davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: ROBINHOOD MARKETS INC. (NJ)

There are two charges on account which were done without my permission. One of the charges are from the XXXXXXXX XXXX XXXXXXXX XXXX for {$770.00} I was present at the location at the time and I had given permission to hold my card for reservation but never authorized them to charge my card- this charge was made on my robin hood card and the card company is not able to under help me at all they have been giving me a runaround for months now. Following this charge there was another charge for {$200.00} from XXXX I did not authorize this charge and I do not know who this merchant is. Please help me out because I this is almost a {$1000.00} which is missing from account and the people who are suppose to help are unable to understand what the issue is. 

XXXX XXXX  WAS DONE ON XX/XX/2022 AT XXXX while the card was in my possession. It shows it was an online purchase for {$200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS DONE ON XX/XX/XXXX at XXXX while I was present at the location without my permission. I tried reaching out to this merchant several time but they wouldn't respond and my credit card company would not help me recovering my funds.

PS : *ALSO PLEASE THERE IS NO NEED TO SEND ME A NEW CARD JUST BECAUSE I AM FILING THIS COMPLAINT. I HAVE ALREADY RECEIVED THE NEW CARD. I DESTROYED THE CARD THAT IT OCCURRED ON. I WILL GIVING YOU THE NEW CARD NUMBER HERE FOR THE COMPANY TO LOOK ME UP
Consumer complaint received 2019-07-11
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. (PA)

I have sent numerous letters to Equifax Credit Reporting Agency, in regards to their continuing to add five derogatory remarks on my credit report. The five remarks are from XXXX 's XXXX XXXX. These remarks have been unverified for well over a year.I have sent letters to Equifax and XXXX 's XXXX XXXX as for proof of these debts, belonging to me. I have been passed back and forward between them, as to who's responsible for proving owe these debts. XXXX 's XXXX sent to me a " fact '' sheet with my name, address, and the amount of the debts that I supposedly owed! They have not provided any documents with my signature on them! In my letters to both Equifax and XXXX 's Agency, I pointed to FCRA regulations section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 7 ), in regards to proof I owed the debt! I also filed a police report from XX/XX/2018 noting this a fraud. I am asking for the CFPB to look into this matter. Thank you!
Consumer complaint received 2023-07-21
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. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica ()

I have received a new replacement card for XX/XX/XXXX deposit I have notified XXXX XXXX to the point they will not fix the problem with International ATM with draws XXXX XXXX will be my 2 year anniversary in this country of XXXX my Adress : 3 private XXXX XXXX XXXX XXXX # XXXX Phone XXXX XXXX Email XXXX SS # XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I filed a request to remove errors in my credit report with Transunion. They did not investigate and only sent me a letter stating that my request to remove errors looked fraudulent. However, when I filed my complaint, I provided a copy of my driver 's license and a utility bill to verify my address and name. 

After receiving their letter about fraud, I sent another request to remove incorrect information from my credit report. Transunion again sent me a letter stating that my request looked fraudulent, even though I sent my driver 's license and a utility bill again. 

I, again, filed a request to remove errors from my credit report. I have not received any further response from them.
Consumer complaint received 2019-07-11
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. (MI)

There were two account that showed up on my Experian credit report that were opened on XX/XX/2019. I saw them on credit report starting XX/XX/2019. Both of these account are of XXXX XXXX XXXX.  I called Experian to dispute these accounts ( around XXXX XXXX ). The representative told me that I have to contact XXXX XXXX XXXX. I called XXXX XXXX XXXX, and was told that I do not exist in their system. They couldn't find anything under my name and SSN. Thus, I went back to experian and disputed it using their online dispute services on XX/XX/XXXX. On XX/XX/XXXX, Experian responded saying that XXXX XXXX XXXX has certified these accounts and they will stay on my credit report. 
I contacted XXXX XXXX XXXX and was treated rudely by their representative, because she couldn't find any account under my name, while Experian is showing two account that I never opened. 
None of these companies are trying to help me resolve these, as both of them are referring me to each other for dispute these activities. 
One account has balance of {$1500.00} with credit limit of {$14000.00} Second account has balance of {$1900.00} with {$5500.00} credit limit. 
Because of these activities my credit score went down 11 points. 

Also, there is a wrong address showing up on my report, which is reported by XXXX XXXX XXXX. I  tried to dispute that, but Experian is not removing it from my report as well. Other two credit bureaus, ( XXXX and XXXX ) has none of these information on their credit reports.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Miller, Stark, Klein and Associates (CA)

I received a threatening call from a guy who would not identify who he was that stated I owed XXXX over 700.00 and that he had a judgement against me. I do not nor have I ever to my knowledge owed this debt, if I did it would have been more than 11 years ago. I have an account with XXXX currently that has been in good standing for over 7 years. He would not let me talk, he had my date of birth, an address I lived at 10 years ago and the last 4 of my social security number. When I told him I do not owe this he started screaming at me that if I did not pay them today that they would garnish my wages and take me to court. He was very threatening, rude and hostile. When I told him they are a scam he hung up on me. I am very concerned that he has my dob and social. 
I called back and asked what the company name was and was told it is Miller, Stark, Klein & Associates. The girl then asked me if I had an account with them and when I said no she hung up on me. The phone number they are calling from is XXXX
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Bureaus are not reporting accounts I am on personally and also as an Authorized user. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The above are all credit card accounts. I have had the cards for over one year. 

They were reported previously and now they have disappeared.
Consumer complaint received 2018-10-10
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. (DE)

Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.
Consumer complaint received 2019-07-11
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: NAVY FEDERAL CREDIT UNION (MO)

I have disputed and requested the Method of Verification for this account many times, all without an response. Also this very account was moved in XXXX, XXXX due to identity theft, however it was reinserted between the months of XX/XX/XXXX and XXXX of XXXX. And by the laws of the FCRA as my consumer rights, a company can not reinsert an account without giving a 5 day notice to do so, and on any occasion this did not happen. I'm demanding that this account ( Navy Federal Cr ) be removed from the credit reporting agencies immediately. Being a victim of anything is not good, but continuing to be one is painful. Not sure which is worse getting my identity stolen or constantly going thru this.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

Dear Midland I haved told you that i never had account with XXXX XXXX I asked you to please send a credit application with My sign signature attached pending me to this Debt you failed to have done so in your previous Responds.I also asked you again if you are unable to validate this Debt I will no longer talk to you about it If you have applied this unveriffable debt to any of the 3 major reporting agencies I asked that you have them removed them ASAP AGAIN PLEASE CEASE AMD DESIST AND LEAVE ME ALONE
Consumer complaint received 2022-04-29
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. (CA)

I submit a Identity Theft report to Experian regarding an account that does not belong to me. Which is the XXXXXXXX XXXX XXXX account. They removed the account from my credit report and a few days later it was put back on my report.
Consumer complaint received 2019-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NM)

Synchrony Bank that collects for CareCredit interest free credit card if paid off within promotional period. 
The website http : //www.synchronybank.com states that one can make " multiple payments ''. This is very important if you are paying on multiple promotions for healthcare, i.e. medical, dental, hearing aid, and/or veterinary bills. These bills have different ending dates for their promotions. They are generally 12 months in length. If not paid by end date, they will collect the combined 12 months of interest. So it is important to schedule all of your payments. 
I chose multiple payments BECAUSE if you don't your payments subtract from the oldest promotion on the bill first, applying nothing to the second or third promotion. Example : Promo 1 balance is {$300.00} ; Promo 2 balance is {$480.00} = Total Balance of {$780.00} 12 months of equal payments = {$65.00} They will only apply the {$65.00} to promo 1 and it will be paid off in 5 months. This leaves 7 months to pay on {$480.00} at about XXXX/month. You have to edit the payment amount online. I called customer service on XX/XX/XXXX and XXXX, 2019 to inquired why I could not make multiple 12 month payments. I logged on to make multiple payments, but you are only allowed to make a total of 12 payments in different amounts. Promo 1, I owed $ XXXX 7 months of {$53.00}. Promo 2, I owe $ XXXX/12 months at $ XXXX/month, but  only can schedule 5 payments, not 12. First call they told me you have to wait 24 hours to schedule another multiple payment, the second time, they told me it doesn't work that way. I have to call every month to tell them to allocate a certain amount that they received to each promotion. This is insane, not user friendly and appears to set you up for failure. 
Also, if you make 2 payments in one month and skip the next month, they will charge you a {$25.00} late fee!
Consumer complaint received 2019-07-11
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: SUNTRUST BANKS, INC. (NJ)

On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/XXXX/ XXXX dated for XX/XX/2019, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and XXXX XXXX , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as SunTrust Bank to gather information. 

I immediately called Suuntrust Bank for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My business account has been forcefully closed by Bank of America because they assumed I was misusing my account as a fraud. I am a business owner, and I am having an issue to pay off the IRS tax, rent and employee paychecks, so I lend money from private companies. Also, I had my husband, who is living in XXXX, send me money for my child 's college tuition around the same time. The bank gave me a call two days ago, and just told me they will close my account due to fraud. I tried many times to explain where the money deposits are coming from, but they are not interested to hear about it. By this incident, I am having more financial issues since I can not withdraw nor use my bank account. Multiple checks I used to pay my rent and other expenses are now bounced, and I am responsible for paying all the fees, and my employees can not deposit their paychecks. I already lost two of my employees because of this incident. The bank said they will give me a check for the balance, but it will take longer than what I hoped. I need to pay for all the scheduled payments, nor I will ( and already have ) have many problems financially and legally. I want to prove that my account is not involved in any fraud, and not be responsible for the bounced checks and late payments that were caused by this incident. Please help.
Consumer complaint received 2019-07-11
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. (NY)

I have an collection reporting from associated credit I have on numerous occasions mailed documents to associated credit requesting documentation to what this may have been. They have no once responded to my request. I don't believe an investigation has been done in this matter.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX   has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.
Consumer complaint received 2019-07-11
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)

Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX/XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : Equifax # XXXX, XXXX # XXXX and XXXX # is 2003 but all are the same account being reported..
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC (AZ)

I have submitted in a complaint before and have provided the requested documentation in a addition have disputed these two accounts for two years. I have spoken to my XXXX XXXX XXXXXXXX XXXX insurance company I had at the time who has confirmed on multiple times that this debt was not ever sent to them as a bill. The insurance company has also sent XXXX XXXX a letter directly stating that any medical bills from XXXX need to be billed to them as they have gotten any bills from XXXX XXXX. With that being said, since this is in fact reporting in correctly I would like both accounts to be removed from my credit reports. I have one for XXXX dollars and XXXX dollars. I have also sent letters requesting for a in depth validation demand for two years now with no response as well. This issue is still and issue and I want it corrected as soon as possible. I have spoken to the XXXX XXXX XXXXXXXX XXXX and they advised that it is intact against my rights for these two items to be reflecting on my credit reports as I have coverage at the times of service and your company did not bill them.
Consumer complaint received 2019-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is giving false information about a account that says by law it SHOULDVE been removed and it still showing on my credit report the investigation was estimated to be completed by XX/XX/2019 today is XX/XX/2019
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

Under a prior investigation, Citibank reported that they could not accept payment to clear the Sears Card charge off that appears on my credit report. They acknowledge their total lack of customer service and egregious late fees of XXXX presented for a XXXX purchase. 

They merely refuse to assist and are advising me to standby for the negative reporting to evaporate. Please request the negative reporting removed. This account failed due to poor communication and exorbitant Citibank fees. 

Removing the chargeoff in recognition of my XXXX Government service status and otherwise commendable credit history would be a redeeming act for the villainous massive Corporation and would help me in performing a large consolidation putting me a step closer to meeting the financial requirements that my wifes terminal illness represents.
Consumer complaint received 2019-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.