davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-05
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. (TX)

Transunion will not allow me to submit another dispute, and at the time of their response they advised me they were researching this issue further. During this time, the accounts that were reporting invalid. XXXX XXXX XXXX XXXX, Two Cards one that shows own {$15000.00} that was opened unauthorized not in my name.  Another is for {$10000.00}. These are not my account 's i have submitted identity theft to the company and i want these cards blocked from my credit file. Also i see that XXXX XXXX is showing an account for an authorized user that is owing {$6000.00} This is not my account. I did not get added to this account by anyone i know. The account was opened fraudulently. XXXX XXXX did admit to this, i asked to be removed as per their rules and card agreement you can be removed at any time if unauthorized. Yet they still don't remove me and i don't want this showing on my credit file as i did not authorize this account. 

Secondly i have seen two collection accounts re appear on my credit once again, XXXX XXXX XXXX for {$200.00} which is not my account and shouldn't be on my credit file as i have no knowledge of this account. And XXXX XXXX for {$120.00} Which appears to be for a XXXX account that i do not have and have already previously reported identity theft with XXXX, and also XXXX XXXX, and the FTC. I am going to attach a identity theft report. I want all of these accounts removed and blocked from my credit file immediately. Another Account is XXXX XXXX XXXX. I paid this account off over 6 months ago. They finally removed it three months ago after filing constant complaints against their practices since they agreed to remove the late charges and never did, and also agreed to Match the payments which they never did. They finally showed it paid off. Then 3 months later the account reappears, and all the sudden says opened again for the same amount owed then 3 more late payments are added. THIS ACCOUNT WAS PAID OFF MONTHS AGO, I have Receipts for these. I will attach it. 

Lastly there are several inquiries that were not from me these are fraudulent inquiries and i will list them below please investigate this. 
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.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

Rooms to Go has charged me {$160.00} in late fees from XX/XX/XXXX thru XX/XX/XXXX even though I have been paying the bill monthly on time, the late fees are, what's happened is they are not posting the payment on the date that im paying the bill and incurring late fees on top of late fees. The problem started in XX/XX/XXXX, until then I have had no problem, and I have had the acct since XX/XX/XXXX. My outstanding balance in XX/XX/XXXX was {$370.00} and between XXXX thru XX/XX/XXXX I have paid {$100.00} which should leave an outstanding balance of {$270.00} minus the {$160.00} unfair late fees leaves an outstanding balance of {$110.00} which I am willing to pay. Rooms to Go uses Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT phone XXXX, and Synchrony Bank  Reps are the people I have to speak with whenever dealing with the account. I also want no negative remarks on my credit report regarding this account.
Consumer complaint received 2019-06-03
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. (CA)

I requested to remove inaccurate information from my credit history many times. They always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received such description ever. 

DEFINITELY, THE DATE OF 1ST DELINQUENCY IS INCORRECT AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.
Consumer complaint received 2022-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I co-signed for this car for my dad and he got sick I tried to sell it but it had to much work that needed to be done to it so I called them and told them to come pick the car up. My dad passed away and it was costing more to keep the car I tried for months to sell it. they sold the car and it had a {$1200.00} balance but on my credit report it has {$4900.00}. balance on my credit report and its wrong and it needs to come off this account has been sold to 2 collection agencies. Every call get from them the price goes up every time they sell this account. i was told the car was sold in a auction
Consumer complaint received 2022-06-14
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. (DE)

In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : Fair Collections & Out, Account # XXXX 15 USC 1681 602A states that I have the right to privacy.

15 USC 1681 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (ID)

I was affected by scam and fraudulent transactions in all of my accounts, credit cards, checking accounts, XXXX, phone account, but mostly, by wells fargo. Wells fargo would only repay the smaller funds withdrawn from debit/credit XXXX XXXX online transations, but when it came to the larger amounts in the checking account, they declined my claim. My claim is equaling {$26000.00} that was transferred to other wells fargo accounts. I am a single mom raising XXXX kids on my own and this was all I had left to rely on. I thought at wells fargo I was going to be secure, safe and insured. I thought wells fargo was a reputable company that I transferred my IRA to your company. Now, I am unable to recoup this horrible act brought upon me and my kids.
Consumer complaint received 2020-07-29
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. (MN)

I am requesting the following inquiries and account be removed for my credit report. 

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : XXXX XXXX/XXXX  - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. Fraudulent Account. 

XXXX XXXX XXXX Account number XXXX This account along with the inquiries have been removed from my XXXX & XXXX Report.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

Letter from Law Office Mitchell Bluhm and Associates asking for medical debt collection on a 2 year old ER hospital bill dated XX/XX/2019 that was already paid in full 2 years ago by XX/XX/2019. The amount listed was for {$330.00} with no information on what it was for. I have not called them or gone to pay on their online portal : " law-mba.com '' since it seems like a scam.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I experienced unauthorized withdrawals on my ATM card on a Bank of America account. It happened twice : ( XXXX ) unauthorized withdrawal of {$980.00} on XX/XX/XXXX ; ( XXXX ) unauthorized withdrawal of {$760.00} on XX/XX/XXXX. The total unauthorized withdrawal was {$1700.00}. I noticed my bank account was locked on XX/XX/XXXX when I tried to use my ATM card. I received a new ATM card on XX/XX/XXXX and I found there were XXXX unauthorized withdrawals on XX/XX/XXXX and XX/XX/XXXX respectively. I was staying home and I did not use the ATM card in the XXXX days. I kept my ATM card and I did not release my pass code information to any other person. I filed a claim to Bank of America and I was issued a claim number : XXXX. On XX/XX/XXXX, I also filed a claim to XXXX XXXX Police Departement and I was issued a case number : XXXX. The contact phone number of XXXX is XXXX. I have provided all my identity information to Bank of America and XXXX. During the past XXXX year, I have contacted Bank of America multiple times on this subject. However, I still have not received any compensation from the Bank of America. I am perplexed by the following facts : ( 1 ) My ATM withdrawal was limited to {$900.00} on a day. How could Bank of America allow an unauthorized withdrawal of {$980.00} on XX/XX/XXXX? ( 2 ) It seems to me Bank of America noticed potential frauds after the XXXX withdrawals on XX/XX/XXXX and XX/XX/XXXX. Bank of America locked my account shortly after the XXXX withdrawals. They were certainly frauds. Why Bank of America does not compensate me on the unauthorized withdrawals after they were confirmed?
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc. (OK)

XXXX XXXX XXXX, and/or affiliated persons, demanded money from me that I do not owe. 

Specifics are given by the attachments. But generally, XXXX and those in privity with him, demand money for medical services,  which XXXX, et al., failed to obtain from my medical insurer, by XXXX 's own wrongful conduct. 

The services were preventive under 42 U.S.C. 300gg-13.  Nevertheless, XXXX and those in privity with him, failed to submit proper claims to complainant 's XXXX XXXX XXXX XXXX insurance plan. Instead, XXXX et al. proceeded with false statements of a debt, and attempts to deceive, harass, intimidate and coerce money out of someone who did not owe it. 

XXXX 's affiliated persons include " National Patient Account Services , Inc. '' ( or " NPAS, Inc. '' ) operating from and/or chartered by the States of Kentucky, Tennessee and/or Texas, and " XXXX XXXX XXXX XXXX, '' probably connected with the States of Oklahoma and Ohio ( see attachments, p. 3 ).
Consumer complaint received 2023-03-14
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: AMERICAN HONDA FINANCE CORP (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I use XXXX XXXX and also various credit card FICO score which shows that my score is XXXX I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX salary. 

When I went to get Auto loan at XXXX dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the XXXX Loan that I took ). I believe XXXX intentionally showed me a lower score. There is no reason for my score to be less than XXXX. I checked all agencies, credit card FICO scores they are all above XXXX. 

I have a suspicion that the score is manipulated when I seek loan by XXXX financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.
Consumer complaint received 2020-07-29
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. (CA)

Hey Guys. Hopefully you can help me out. I sent a letter to the credit bureaus over 2 months ago and I haven't gotten nothing back. Aren't they supposed to respond to me in 30 days? It's been more than twice that with nothing. Can you check into this for me please?
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I've had my account and funds locked in the account for over a month now. The bank told me there was a security issue with my account which was due to a website I entered my card details into. They locked my account and said they would send me a letter to confirm my identity. Told me it would take 10 business days to receive and it has been over 20 business days without receiving a letter. When I called back Wednesday XX/XX/XXXX they confirmed my phone number and told me it would take 48 hours to clear my account. However when I called back today they told me they could no longer service me and were closing my account then hung up on me. I have a little over XXXX  dollars in the account and have no idea how to get my funds. All these issues are with Citibank and could be resolved easily. However even when I go into the physical bank and show proof of who I am they say they can do nothing without the customer service and fraud department giving them the okay. I've been hung up on on multiple occasions and feel helpless with the people I entrusted my money with. This is very unconstitutional and unprofessional and I would like the issue to be resolved immediately. Thank you.
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (VA)

For the record, I do not have a loan on my XXXX XXXX XXXX, have never had a loan for this vehicle, nor have I ever had a loan with JP Morgan Chase- except for a credit card, which I pay off each month. 

On XX/XX/XXXX, JP Morgan Chase ( XXXX ) stole my car. At XXXX I called the XXXX XXXX County Police, Virginia ( XXXX ) to report my XXXX XXXX XXXX stolen. I was told I can not report it stolen, as Chase Auto Finance repossessed it, and they refused to take a report or review any documentation. I have a clean title issued by the Virginia DMV showing it is my car, and there are no liens against it. 

Background : On XXXX XXXX, XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). I purchased it on part credit card ( {$2500.00} ) and with cash from my bank ( $ XXXX which was not a loan or financing from a financial institution ). I have never had a loan with Chase in my entire life. 

I received the title ( attached ) from the Virginia DMV, issued on XXXX XXXX, XXXX. There are no liens against it. I purchased a DMV report from the Virginia DMV on XX/XX/XXXX, also attached, showing that there are no liens against it. The dealership also provided me a report on XX/XX/XXXX showing there are no liens against the car from the XXXX  system ( attached ). However, XXXX 's refuses to provide me a copy of the prior title showing whether there was a lien previously or not. 

Chase has no right to my car as they did not legally perfect the loan making this a lien loss. Chase refuses to provide me any information or talk about the vehicle, as the loan in question is not under my name. The XXXX XXXX County Police provided me the phone number of the tow company, which I found is XXXX XXXXXXXX XXXX XXXX   in XXXX, VA, XXXX. 

The intermediary Chase used to repossess the car is XXXX, XXXX. 

Note : I wrote VOID on my title to prevent someone from copying it. The title is current and in my possession.
Consumer complaint received 2020-07-29
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. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : 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
Consumer complaint received 2019-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my  personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2018-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2018 XXXX  removed Capital One Auto Finance ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

I.C. Systems claimed to have spoken with me in XXXX  about a medical debt. No recollection of such call. Company claims they sent a letter to a California address Ive never lived at and dont understand why they would send one to California when I live in New York and have lived in New York for almost 20 years. I.C. Systems placed a collection account on my credit report and claims they followed U.S. law by sending a letter to a unknown address to claim that the consumer was notified.