davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NV)

Hello, Back in XXXX of XXXX  In XXXX XXXX, South Dakota, I changed cell providers. My daughter & I left XXXX to go to XXXX. We were told there would be no problem porting our numbers from XXXX to XXXX, pay off our existing XXXX contract. It took a month & an awful lot of phone calls as well as an immense amount of frustration. We were told that it couldn't be done. Not either company would except any responsibility. Even though it was clearly advertised by XXXX. I returned home at that time to XXXX, Texas, where I received a final bill from XXXX for XXXX XXXX tried calling & making arrangements, to no avail. I then received a collection letter from XXXX XXXX XXXX. I spoke to a XXXX XXXX XXXX & set up payment arrangements. It was a {$50.00} a month automatic payment from my checking account. Payments were made XXXX, XXXX & XXXX. Then the giant headache started with Amsher Collection & the XXXX XXXX XXXX XXXXXXXX XXXX. The way I found out was through an email from XXXX XXXX & an email from my XXXX credit card. I have be trying since Monday, XX/XX/XXXX to contact both Amsher XXXX XXXX XXXX. I have been disconnected at least 8 times. Dial the number & a recording says if you are calling from Nevada dial 1, all other states dial 2. After multiple times I spoke to a XXXX XXXX & he said all he could tell me was my Amsher account number # XXXX & the call ended. I did my due diligence & researched Amsher, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I felt like a fell into a trash dumpster. It seems that Amsher & XXXX XXXX XXXX XXXX  XXXX XXXX are also some how involved with XXXX who seems to also own & operate a collection company. No matter what I did or the amount of calls I made I hit a brick wall each & every time. Please rest assure that all I wanted to accomplish was to pay my bill.
Consumer complaint received 2019-09-13
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}, {$1400.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -This is not my account.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5800.00}.
Consumer complaint received 2022-07-26
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (FL)

On XX/XX/XXXX I realized I needed to replace my car. It was suggested I investigate using some equity in my home to finance the car. I am a Senior Citizen, retired and do not have much banking and loan knowledge. I used the Internet and found many companies offering home equity loans. I clicked on Discover XXXX XXXX trying to find out what the interest rates were. I feel that I was tricked by this company. I entered information that the page requested. I simply wanted to see the interest rates. Discover Home Loans did a Hard Credit Inquiry on me without my permission. Their webpage does not disclose that not only are they doing a hard Credit Inquiry but they take any information request as an Application for credit! Then I got an email from Discover Home Loans saying they were working on " my application '' and I NEVER applied for anything. I also received an application package in the mail. It seems that requesting information to Discover Home Loans is some sort of Contract of Adhesion in their minds. I was shocked when I got an immediate Alert from XXXX. I called XXXX and was told I needed to call Discover Home Loans to get that Hard Credit Inquiry removed. I did that and was treated rudely by 2 different employees of Discover Home Loans and was told they refused to remove the Hard Credit Inquiry. I called them and emailed them and said I NEVER applied for a loan and I was not going to apply. I contacted the XXXX XXXX XXXX and received a response from Discover Home Loans denying my request to remove this Hard Credit Inquiry. XXXX will not allow disputes over Hard Credit Inquiries and has not responded to my complaint with the XXXX XXXX XXXX. Discover Home Loans took advantage of my simply researching rates and now my Credit Score is impacted. I need your help, please.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2019, Citizens One notified me that my credit card on file that was used to make automatic payments was expired. The link included in the email took me to a loan that had already been paid and had a {$0.00} balance. A credit card update could not be performed since the balance was {$0.00}. This email came every month, taking me to a loan of {$0.00} balance. 
It was later discovered, after a new personal loan was denied by Citizens One, that the email was in reference to a different loan than the one linked in the email. By this time, I could not access the appropriate loan using Citizens One mobile banking as the loan had already been sent to collections. 
I was never given the chance to make payments on the correct loan because Citizens One failed to send the correct information and did not explain in XXXX how the correct loan could be paid. Citizens One also did not make any attempt to contact me by phone or postal mail prior to sending my account to collections.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

CitiBank has still not been able to properly deliver my check from XXXX previous cases. The most recent one they sent me a photocopy of it, which is useless and can not be deposited. I asked for it to be mailed to me, at my correct address ( which they had on file under my CitiBank account the entire time ), but since they did not respond to my original claim resolution dispute I have no faith that they will respond to my XXXX resolution dispute. Hence, I am creating a XXXX one.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

There is currently an inaccurate item being reported on my credit report from XXXXXXXX XXXX XXXX I have never been late on this account and they furnished information to you stating that I was 60 days late during the month of XX/XX/2021 and 60 days late during the month of XX/XX/2021. Furthermore, they also claim that I have a balance of {$3000.00} left to pay and a High Credit of {$1500.00}. This information is false and incorrect. I have never been late on this account and I do not owe a balance on this account. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, CA XXXX. 
As you can see, I have uploaded a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item information is updated to no late payments and a {$0.00} balance owed.
Consumer complaint received 2019-09-13
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}, {$1400.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -This is not my account.
Consumer complaint received 2019-09-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I took out a loan on a vehicle that was paid through and protected by the Automatic Stay in my Chapter XXXX Bankruptcy. They have not applied the payments made to the Trustee. Here is a copy of the recent letter I sent them. 


XXXX XXXX Bankruptcy Specialist Wheels Financial Group, LLC dba XXXX Legal Department P : ( XXXX ) XXXX F : ( XXXX ) XXXX RE : CFPB LETTER & ARBITRATION Consumer Financial Protection Bureau ( CFPB ) Case No. XXXX Dear Sirs : Today has been the second day that we have called your compliance department and they have not returned our call. 

As you know, we filed for Arbitration before we go to Federal Court pursuant to the documents we signed with you regarding the return of our vehicle the XXXX XXXX. License Plate XXXX and VIN : XXXX. 

We do not understand why you state that the vehicle is not registered and licensed when the XXXX has contacted us and confirmed that it always has been not only registered and licensed, but also insured since we bought it many years ago. 

We have served you with the documents we have presented in Federal Court and everything is stayed until we resolve arbitration. 

The sooner we do this the better and we would like a full accounting of the thousands of dollars we paid you via the Bankruptcy Trustee which you have failed to apply to the $ XXXX taken out as a loan on this vehicle. 

We will copy the CFPB on this email. 

Thank you and we await your reply as soon as possible. 

Mr. & Mrs . 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Attached. Federal Court Documents served on you.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 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 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 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe 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
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

1. I did not receive rewards points for the past month. 

2. My last payment on XX/XX/XXXX has not shown up yet on my account. I have spent approximately three hours on the phone with several customer service agents with no answer. I find it impossible to get a straight answer from anyone
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have spoken to Equifax regarding, Company : XXXX Account # : XXXX That this debt collection is not mine because I never signed a contract with the company, they never lent me money, I asked that they provide me the original signed contract, the opening date of this account is false, the payments made on this account is false. 

Also Equifax deleted it off my report in there portal in the past, but when I pulled my credit report this year it was still there ; which is false, misleading, a misrepresentation, and direct violation of FCRA. I have proof. 

The other credit bureaus have deleted the account due to the information begin inaccurate and unverifiable.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

The bank Capital One is holding credit on my accounts not allowing me to use my funds in my account. Capital one also denied claims of mine without doing a full investigation. Capital never looked into my police reports capital one also did not look into the girl that was charged with stealing my banking information. Capital one has had my claim more than 30 days and they are holding my money and causing me hardship.
Consumer complaint received 2018-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (OH)

Choice Recovery is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; SXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went into Bank of America to apply for an bank account on XX/XX/XXXX. I was told to call ph # XXXX. I call number gave them my info I thought it pertained to a fraud alert I have on my credit report. Little did I know, the agent to me that checking accounts had been open from XXXX to XXXX with my Husband which, I was only married for three months before his death and we had no accounts together. Woman stated the amount charged off for over $ 7k ( fraud ). I was then told about 4 other accounts open in my name in XXXX ( bank would not disclose the amounts ). I told them I was a victim of fraud I Bank America has never sent any letters or notice to me. I asked about the address listed for the account but, the agents said it was against federal law to disclose the address since, this was a fraud account. I never had any accounts with Bank of America. I filed an Identity Theft report with XXXX Police Department XXXX. I am very upset because this is the first time ( its not ever on any reporting agency reports. I would like to know what was purchase on all the accounts and the address this was sent to. Why would bank allow someone to open that many accounts in one year running up amounts? I need to know this I have a right ...
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple certified written letters to Transunion in regards to Accounts on my XXXX XXXX TransUnion credit report. 
Upon reaching out to the companys who provided these accounts, they cant confirm the accounts belong to me due to billing address discrepancies. 
I have informed this bureau on multiple occasions that my only address is XXXX XXXX XXXX a home that is OWNED. This is where I live, this is where I receive any communications. They have refused to take action. This tort, unlawful, unethical, decision has caused hard to me. There are multiple late payments being reflected on my report, in which the accounts do not belong to me. It seems as if TransUnion is only in this for financial gain! Why? Due to the lack of not properly informing me when someone signed up for something in my name using a different address! I have lost thousands of dollar trying to repair this mess they have caused!