davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXXXXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$7100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (VA)

Affiliate is contacting me constantly regarding a medical bill balance that I have given insurance coverage information. Insurance company paid for the service in full. Still sending threatening letters for a re-sold debt that they don't own and cant collect. Will not give original service provider.
Consumer complaint received 2019-05-02
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. (NC)

The following accounts do not belong to me : XXXX XXXX in the amount of {$520.00} Opened XX/XX/2011 XXXX XXXX Acct # XXXX ( I do not have additional information about this account ) The creditors said that social security numbers do not match so would not give me additional information. 
This account does not belong to me!
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KY)

I am writing in regard to ongoing problem Citibank transfers totaling {$16000.00}. 

I have one savings and one checking bank account with Citibank and a checking account with the XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ). On Sunday, XX/XX/2019 I used Citibank 's website to create two transfers from XXXX to Citibank. The first was for {$15000.00} from my XXXX checking account to my Citibank savings account and the second was for {$1000.00} from my XXXX checking account to my Citibank checking account. On Monday XX/XX/2019, a the transfers appeared on my XXXX statement, both as withdraws to " ACH Withdrawal CITIBANK , N.A . ". No corresponding deposits were made to my Citibank accounts during the following days. On Friday XX/XX/2019, I spoke by telephone to account manger XXXX who explained to me my transfers " should '' be complete by XX/XX/XXXX. The same day, account manger XXXX told me Citibank had no record of the transfers being requested. On XX/XX/2019, I contacted XXXX, and asked for the trace numbers for the ACH transfers. I provided these numbers to a Citibank representative who told me they have no record of these transfers. I then requested that XXXX reverse both transfers. I am now waiting to see if Citibank will return these ACH transfers. I am hoping that by contacting you, you can help sort things out in case Citibank disputes the reversals.
Consumer complaint received 2021-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the XXXX -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL. 
This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.
Consumer complaint received 2019-09-24
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. (NJ)

I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please
Consumer complaint received 2019-09-24
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. (NJ)

I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XXXX, XXXX XXXX   XXXX, XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please
Consumer complaint received 2019-09-24
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: CITIBANK, N.A. (WV)

I discovered that my card had been stolen/returned to my purse multiple times, along with my drivers license, and used without my authorization. At the time this began, I had only used the card a few times. I was not traveling or out of state at any time during the fraudulent usage. I called immediately yet did not have time to review charges over the phone as I work a high demand job. I could not get access to my online data following the call because it was of course cancelled and suspended until I activated the new card. Once I was able to login and review, I called back and disputed all transactions I did not recognize. At this time, the rep that took my call was rude and criminalized me as opposed to assisting me professionally. In addition, the investigator that called me was very rude and pushy. I am not able to spend 30-45 minutes at a time on phone calls with your representatives going over the same questions and information multiple times. The process is terribly redundant and wasteful as well as a burden on your customer that has been the victim of fraud and identity theft. At this point, it has been three months, I have been treated extremely rudely, criminalized for being a victim of fraud and identify theft. My claim of fraud was denied saying the charges were within my regular spending pattern. I literally had the card two months before this happened and only used a few times so I had no spending pattern developed. Total amount of fraudulent transactions is {$830.00} PLUS INTEREST.
Consumer complaint received 2019-09-24
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: JMD,LLC (CA)

I have called and called the service provider to help me audit the charges for a 6 mile  ambulance trip, but have been ignored. As an inactive XXXX I encountered billing errors over 50 % of the time ; however, this company, instead of cooperating, they send me to the credit beaureau and lower my score when I'm in the middle of a house purchase. I have found in the High Desert ; whether is a service provider or retailer, especially in the medical field, that they are ruthless, uncaring and corrupt. In fact ; the XXXX XXXX XXXX is investigating it. Since ; It took us over a year and a half to find a competent doctor! We are XXXX senior citizens. It is alarming how many service providers, including doctors and so called nurse practitioners and especially landlords they victimize the XXXX seniors and the poor. In other words ; they practice here becaseu they know that they can victimize the defensless poor and the XXXX. There are quite few XXXX poor people in this county and have no qualms in the abusers victimizing us. Therefore ; I'm trying to address so many issues of corruptions. Even the hospital here ; one of the feedback reads : " I'd rather drive 40 miles to a XXXX XXXX than go here to XXXX XXXX XXXX! ''
Consumer complaint received 2019-10-01
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (IA)

( XXXX ) XXXX is the number they tell me to call. They are calling from this number though XXXX. It is a recording telling from XXXX XXXX. Stating that my account is been audited internally and that I need to call their office immediately before schedule advancement of my account. This will be their final call. They call me every day different number. They call my parents cell phones 10 times a week. Stating i owe XXXX. Doesn't say name of debt collector. Website given to go to is XXXX.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.
Consumer complaint received 2023-03-03
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: DISCOVER BANK (MD)

This Discover Bank account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.
Consumer complaint received 2019-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My bank is Bank of America. My name is XXXX XXXX. Me and my husband found a room for rent on XXXX. The seller said that they owned the property but they lived in another state. We had to send them the security deposit and then they would send us the keys and give us a tracking number. We XXXX 'd this person the security deposit which was XXXX XXXX They gave us a tracking number to a website called XXXX which showed progress of being mailed but turned out to be fake. I'm furious because we tried sending this person the money the first time and it didn't go through. We thought we didn't put in the information right at first but we later learned from the bank that this person tried one bank which was apparently flagged for suspicious activity and then when we tried to send the money the second time it went to a different bank and it went through. I thought banks share information with each other i mean i can't even start a bank account if i owe a DIFFERENT bank money.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several errors on my XXXX and TransUnion credit reports. on my XXXX XXXX ) XXXX bank acct # XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX acct XXXX XXXX * XXXX. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2019-02-12
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. (IL)

On 2 separate occasions ( XX/XX/2018&XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (VA)

Advante USA placed a new collections on my credit report on XX/XX/, 2019. I have no correspondence of this debt. I have no debt with this company. I have no contractual agreement with this company. I have no debt on this date. Company states I owe them {$1200.00} out of nowhere. Can not seem to contact such company. Can not understand how this is legal.
Consumer complaint received 2019-10-01
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. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-01
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: Experian Information Solutions Inc. (CA)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MI)

My student loan account had a 60 day forbearance applied twice in an effort to postpone any full payments while my income driven application was processed. I called on XX/XX/XXXX to confirm forbearance and I also cancelled direct deposit to ensure full payment was not deducted. On XX/XX/XXXX ACH debits for {$310.00} and {$480.00} were authorized to my checking account. I called on XX/XX/XXXX and the rep I spoke with said that fedloanservicing could not issue a refund until the payments post on their system and assured me to call back tomorrow ( XXXX ) and the payments would be refunded. I called today XXXX around XXXX and spoke to XXXX XXXX XXXX who transferred me to XXXX XXXX who said she was transferring me to a manager but disconnected the call. I called again XXXX around XXXX and spoke to XXXX XXXX who transferred me to a manager XXXX XXXX. XXXX confirmed that though I called on XX/XX/XXXX, my forbearance wasnt processed until XXXX and my direct deposit wasnt processed until XXXX. She said the refund request will take 60-90 days instead of the 48-72 hours quoted by the initial rep. She also said no overdraft fees or NSF fees that the bank imposes would be refunded to my account. Most egregiously, XXXX said that there was no further dispute resolution process or no other person/department I could speak with to expedite this refund request. I did request the address to FedLoanServicing Legal department, for which she gave me the corporate address, FedLoanServicing XXXX. XXXX XXXX XXXX, PA XXXX XXXX. These two payments / ACH debits have wreaked havoc on my checking account. I followed the proper steps to not only halt any full payments ( for which I did not have the funds to pay ) but also cancel the direct debit payments outright, just in case there were any issues. How then, is it reasonable or legal for a student loan Servicer to neglect processing payment/loan changes and the financial fees/burden be imposed on the borrower? This is plain negligence.
Consumer complaint received 2019-09-24
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: EOS Holdings, Inc. (UT)

Eos CCA # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.
Consumer complaint received 2019-05-07
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. (CA)

Transunion is reporting incorrectly that I am 120 days past due on XXXX/XXXX - partial account number XXXX ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2021-02-15
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: ALLY FINANCIAL INC. (FL)

On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX  XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX of XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX