davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 The above is the original compliant and request for assistance. I called the company regarding paying off my account before vacation in XX/XX/2018. I learned that there was an overpayment in the amount of {$700.00}. I was sent a check for that amount. During the next billing cycle, I notice that {$700.00} was posted to my account as a sale and included in my bill. I called to dispute this and to date there is no resolution with regards their clerical error. The amount is shown as + {$700.00} sale. I spoke with several supervisors at least twice monthly and asked that the amount disputed be removed. I have stopped using the card and paid all but the {$700.00} that was added to my account. XX/XX/2018 {$23.00} interest charged XX/XX/2018 {$19.00} interest charged XX/XX/2018 {$16.00} interest charged XX/XX/2018 {$27.00} late fee charged XX/XX/2018 {$17.00} interest charged I called again regarding the posted charges and a supervisor assured me that since there is an ongoing dispute the charges would be removed. However they are still posted on the account. Pleas help me with this dilemma. Thank you in advance.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of XXXX. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

XXXX accordance with the fair credit reporting act XXXX XXXX Acct # XXXX Credit Coll Acct # XXXX XXXX services L Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Has violated my Rights. 


15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (VT)

XXXX has an account on my report showing missed payments from a Barclay 's account. I call Barclays and they say they have nothing under my SSN so they can not help. XXXX says Braclay 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like XXXX ruin a consumers credit with ZERO evidence? ) Barclays is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. XXXX says they need a letter from barclays who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX corporation ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I requested a 60 day ira disbursement from Merrill edge account number XXXX. They insisted the check had to be sent us mail and there was no ability to expedite. The check was drafted on XXXX XXXX but never arrived until XXXX XXXX. The check was payable to my house. Literally payable to my house, not me. Obviously I can not cash a {$56000.00} check payable to my house. 

I called Merrill and spent XXXX minutes on the phone asking how they would get my check expedited to me. They told me I had to fill out a form identifying them for the check sent to my house before they would return my funds and reissue the check. After a tense exchange, the operator pulled a manager on the line who said she would fix the problem as soon as I sent in the indemnity letter ( on behalf of my house ) she would get back to me with information on how I can help them expedite the check to myself. 

Its been nearly XXXX hours and no call back from Merrill. 

Theyre service line apologizes for slow mail and the receptionists all apologize for the delays in talking to them. 

At some point its intentional interference with getting the asserts Merrill holds back to their customers.
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

CMRE was sold my Collection from XXXX University XXXX XXXX I understand limited info about my medical information is given, but anything additional should be authorized by me the consumer, which isn't thus why I requested for this collection to be removed per XXXX violation. CMRE has my full medical in their collection that I didn't authorize. I sent a letter to the credit beauru that is attached and XXXX directly to CMRE. XXXX responded that CMRE said " All info is correct '' Which doesn't match my reasoning for dispute.
Consumer complaint received 2022-02-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

I don't owe anything to XXXX XXXX with account number XXXX. They should have confirmed this from the XXXXriginal Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a dispute to Transunion to remove an inaccurate bankruptcy reported by a third-party company and they failed to do so.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. XXXX  dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following accounts do not belong to me. I have contacted the individual companies about the fraudulent accounts. I am requesting signed contracts that obligates the following accounts to me. XXXX XXXX   XXXX / XXXX Card opened on XX/XX/XXXX. This account is fraudulent and does not belong to me. XXXX XXXX XXXX opened XX/XX/XXXX. This account is fraudulent and does not belong to me. The following hard inquiries that are fraudulent are XXXX, XXXX XXXX, and XXXX XXXX. These inquiries are fraudulent and were not authorized by me. Chapter XXXX Bankruptcy opened on XX/XX/XXXX,  reference number XXXX does not belong to me. 

Police reports have been mailed to the credit reporting companies.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank (CO)

I was looking at my dashboard and I noticed some charges on my account and the company didn't have an email address that I can contact to resolve the issue First Progress Mastercard Late charge debt fee {$29.00} on XX/XX/21 MC-1 sales draft {$95.00} on XX/XX/21
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$0.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear Sir/Madam, I bought my house in XX/XX/XXXX and moved in fully in XX/XX/XXXX. As of XX/XX/XXXX, I started getting credit card demands for an " XXXX XXXX '' from Capital One. I reported that this person does not live at my house and thought nothing of it, but today I found out that an " XXXX XXXX '' was automatically added to my XXXX driver 's insurance, as he is registered at my address with the XXXX, so I suspect some sort of address fraud. 

I've tried to contact CapitalOne multiple times ( via phone, email, and XXXX message ) to report this and to ask them to stop sending bills to my address, as I'm worried about possible court proceedings being associated the address. CapitalOne did not take my reports seriously and keep sending demands to me house. I would like someone to contact me and look to resolve this issue. 

Kindest Regards, XXXX
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (MI)

The account XXXX XXXX  with the account number XXXX is said to be a collection account that was sold to Source Receivables Management with the same account number showing on my report. This collection account were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. This particular collection account should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. This should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (AZ)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (AZ)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MI)

This collections agency appeared on my credit report with me having no knowledge of them at all. I have never been contacted by this agency nor have I gotten any mail regarding this. After reviewing this collections agency on the XXXX  website via the reviews left, they are known to be fraudulent and very much a scam. This has impacted my credit score significantly and is unacceptable.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
PLEASE NOTE, I HAD MISTAKENLY UPDATED MY SPOUSE DL ON MY PREVIOUS APPLICATION.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I incurred charges by 2 merchants for the month of XXXX-XXXX  2018. I filed a claim and Netspend sent me a letter telling me That upon investigation an error had occurred involving these 2 merchants and issued me credits. However they had not found any error for the Transactions by these 2 merchants that occurred in XXXX  because I didnt file within the 60 days. I did file my claim online on their website. They said they have no record. I have proof that I did file and that their website isnt fully working.But the corporate guy said it made no difference. He wouldnt even let me provide my proof. In fact he sent me a denial letter on XX/XX/XXXX. He called to speak to me directly on XX/XX/XXXX because I was disputing the ruling. So its obvious that no matter what I said he had already made up his mind. The card holders agreement that has a clause that states Netspend may extend the 60 filing period if a good reason such as hospitalization is the reason for missing deadline I would think having a website that supposedly lets you file a claim that turns out isnt working and disputes arent being directed to Netspend is a valid reason. Furthermore Netspend had issued me credits for fees on another claim that wasnt filed within the 60 days. The merchant returned monies owed but the fees was credited by Netspend
Consumer complaint received 2021-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (AZ)

This is for a payday loan, but I was bankruptcy, so I'm not sure how I had gotten a payday loan, this company calls me at least 12 times a day and I tell them I was under bankruptcy, they will not call for a few weeks and then they call back. The issue I have is that they've taken the number they are calling from my profile on XXXX XXXX, which is not public and are calling me on my work cell phone which is on LinkedIn only since I am a recruiter, so it is not public. I'm not sure that the debt is valid since when I ask for the information about the debt, they say they are unable to give me any information, just an amount to pay and can not give details until a payment arrangement has been decided and committed to.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.SYNCB/CARE CREDIT # XXXX account is reporting 30,60 DAYS LATEsinceXXXX,XXXX,XXXX,XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.