davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
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. (NY)

Trans Union refuses to investigate and remove the following tow debts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for {$550.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX for {$5400.00} Both accounts have been settled/closed. 

In addition, XXXX XXXX is still contacting me about wanting payment.
Consumer complaint received 2021-03-02
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: EQUIFAX, INC. (TN)

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with AAMS LLC. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

Td bank offered me the debit card advance. I enrolled days ago and it took till yesterday. The bank told me keep trying every day that it's the computer that will issue the funds. So I tryed it yesterday. They said it was only one transaction that it would allow! I took out XXXX. Then I tried it again it let me do it 3 more times. I had major XXXX 3 weeks ago and it left me in a hard financial times. Now I'm negative in my account! I'm XXXX so every XXXX helps! And they were supposed to take it out of my account when I get my direct deposit next week. I don't know what to do now?
Consumer complaint received 2020-08-22
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. (FL)

Transunion is in violation of fcra rules section 1681 for reporting XXXX XXXX XXXX XXXX to my credit report without notification 5 business days as required by federal law.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with H & R ACCOUNTS. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

My go program card for my georgia unemployment was used without my knowledge or permission by someone to purchase a hotel in XXXX company name XXXX XXXX XXXX for {$180.00} on XX/XX/2020. I filled a claim with the card issuing company for the go program minutes after I received the alert. I filled out all the paper work they needed and requested and faxed it back to them in the time frame they wanted I was suppose to have gotten a credit on the 10th day for the stolen money on my government issued card. That was 3 weeks ago I have called them numerous times I will include all the papers and phone records later if I can. But I have received the run-around since filing the claim I have been hung up on twice after sitting on hold for over an hour each time. I have set on hold a total now of 16 hours since the claim was filed. And still can not get any information. I received a letter from go program today stating the merchant had refunded the money on XX/XX/2020 I don't know what that was but I didn't file the claim nor was the purchase made untill XX/XX/2020 and I definitely did not receive any refund. I believe the card company has made this fraudulent charge to keep the money I have researched cases like mine occuring numerous times with this card/bank issuer.I want to know what I can do to get the money back that was stolen from my account via this {$180.00} fraudulent charge.
Consumer complaint received 2018-07-02
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. (AZ)

I am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.
Consumer complaint received 2021-11-17
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)

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX {$7500.00}
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I filed report number XXXX. Agency responded within one day stating that my account does not belong to them but they are reporting a collection for two years on a capital one card that I never opened or authorized to be opened and used in my name and is no reflection of accounts openly legitimately or used legitimately by me. The name of the agency is confusing, one report says XXXX XXXX and the other says XXXX. Please just review identity theft notification to remove collection. 

I have called, written letters, filed theft reports and sent them to this agency. Even to this consumer complaint they are dodging this to be removed and falsely claim they verify my debt when disputed but even here claim its not my account. I am a victim of identity theft and it needs to be removed from collections and my credit report immediately. 

Please see first attachment of account listed under their name on my report for the amount listed as a collection, reported every single month and opened in XX/XX/2018. My last name has been XXXX since XX/XX/2018.
Consumer complaint received 2018-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

ON XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL XXXX AND CELL XXXX 12 TIMES AFTER CEASE AND DESIST NOTICES.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2015-09-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (TX)

To the best of my knowledge {$400.00} dollars was used on credit card to make down payment on a vehicle purchased the owner and or dealer of the vehicle promised and had a warranty of one week to buy or exchange if not satisfied according to purchaser or buyer vehicle was reposed and dealer did not comply with warranty. this transaction was opened on or about 2005.It has been more than seven years to this date. What I understand Midland funding llc bought the collection debt and has a debt of {$740.00}
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (TN)

Transworld Systems Inc sent me a letter dated XXXX/XXXX/16 claiming I owed them {$870.00} and offering me a XXXX % settlement. Two weeks later I called them requesting proof of debt. I also called the hospital, confirmed that I owed them NO money and that I had insurance at the time this charge may have been incurred. I tried to get the phone number of the creditor from Transworld and the request was denied. I was also informed by the hospital that they never worked with the creditor listed -- XXXX XXXX XXXX. 

It is now XXXX XXXX. I still have not received proof of debt. I called Transworld again this morning. The phone went immediately to an extension 's voicemail. That mailbox was full and unable to record messages. I went to Transworld 's listed website " XXXX '' to try to contact someone -- that website has been shutdown. 

I do not have money to buy my credit report to see if this charge has been listed against me. 

The address for XXXX XXXX XXXX is for an office building. The suite number was not provided. I have no way to contact them. 

The above leads me to believe that this is an attempt to steal money from me by threatening my credit score by illegally obtaining protected health information.
Consumer complaint received 2021-10-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

Hello sir / madam i had opened up an account on XX/XX/2021 on the trading platform Gemini ( gemini trust company llc ) for trading cryptocurrencies they had my account verified through drivers licence, e-mail and mobile number and linked my checking account with them to wire money, later on XX/XX/2021 i had wired {$60000.00} USD to them and it was debited from my checking account then Gemini e-mailed me to further verify my self on their support by providing my drivers licence photo with a hand written note along with a selfie all in one frame to make my funds available, I submitted it and the finds were available in my gemini account but they restricted my account to buy trade or withdraw the amount its just stuck in their platform and i don't have a resolution for it i e-mailed them regarding the same bit they just said the will transfer my case to a specialist and then i have no response.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (GA)

The week of XX/XX/XXXX - my sister placed me on her XXXX XXXX card as an authorized user. XX/XX/XXXX - my Lender pulled my credit reports from all three bureaus however, the card was not showing up on Experian so my Lender asked me to give Experian a call. It was like trying to get into the White House uninvited. The recorded messages kept sending XXXX in circles as well as when I finally spoke with someone they mentioned that they had to do an escalation as they were not seeing the new card for XXXX XXXX ( XXXX addition ) they only saw an old reported card ( XXXX ). Experian told me that it would take 3-5 business days and it has been over 14 days and I still have not received a phone call, email nor a letter in the mail advising me of the outcome to my submitted escalation. 

This horrible because it has prolonged the closing of my home loan which in turn I may lose the house that I currently have an offer on. 

The Sellers are not willing to wait any longer. 

My sister and I both have call several times to ask why Experian was not reporting and they can not provide a concise answer. My sister as called XXXX XXXX her credit card company as well and all they can tell her is that they report to all three credit bureaus. 

I understand COVID-19 has affected businesses and their staff personnel, but if one is a national credit reporting company they should have persons manning their phones during normal business hours. 

Not only does it feel like I wasted so much time going in circles I may not be able to close on my house. I am furious.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

To whom it may concern, The reason for this letter it to dispute an unauthorized collection on my credit report. On XX/XX/2021 I retrieved a copy of my credit report and discovered a collection account with XXXX XXXX XXXX Credit card that I have no knowledge of. 

I have reached out to XXXX XXXX several times and have gotten no where. I advised them that this was not my debt and to removed this debt from my profile. 


Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2020-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I was notified by XXXX that the auto loan account with Wells Fargo was 30 days late. A check of the payment history shows that a partial payment of {$120.00} was made on XX/XX/XXXX and XX/XX/XXXX. A payment of {$700.00} was made on XX/XX/XXXX, just one day beyond the due date for XXXX. I never received any communication from Wells Fargo that the account was delinquent. I had email alerts set up but they moved everything over from Wells Fargo Auto Finance to their main website without notifying me. I didn't even have this information until today. In looking at the account I saw that a late charge of {$18.00} was added on XX/XX/XXXX and a late charge of {$6.00} was added on XX/XX/XXXX. There was no past due amount other than the payment for XXXX which was {$370.00}. With the late charges added the total amount due should have been {$400.00}. With the payment of {$700.00} made on XX/XX/XXXX the account should have shown a balance owed for the XXXX payment of {$82.00}. The payment showing due as of XX/XX/XXXX is {$220.00}. How can this be? The numbers are not adding up. I request a full investigation. Due to this I can no longer close on financing for a home that I was about to close on very soon and my family and I are going to be homeless. I was treated with complete contempt by the call takers of Wells Fargo when I inquired about the situation and was even told there was nothing they could do and that the information would remain on my credit report as they were showing it was accurate and met the standards of the Fair Credit Reporting Act. Based on the information I have provided with this complaint you can clearly see that their reporting to the credit bureaus was false according to their own records.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am submitting this complaint against, XXXX XXXX XXXX, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to Experian 's information contained in my credit report as of XX/XX/XXXX : XXXX XXXX XXXX reports on Experian : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX XXXX This was an account XXXX XXXX XXXX purchased from XXXX. The original account was written off. Below are the basic details of the original account as reported by Experian. Original Credit card account details : Creditor : XXXX. Account XXXX : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that XXXX XXXX XXXX, purchased a debt from XXXX, which had been established as Charged off. XXXX XXXX XXXX then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX 's own reporting shows this account was not written off and closed until XXXX, after the date XXXX XXXX XXXX XXXX the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as XXXX XXXX XXXX seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX, to XXXX.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NY)

I am a credit card account holder with Chase. My card card account was compromised ( fraud ) by a company named XXXX XXXX XXXX with a listed address XXXX, NY XXXX and a phone number of XXXX ( on my account statement ). It unlawfully charged my credit card for {$14.00} on XXXX/XXXX/XXXX and it posed on XXXX/XXXX/XXXX. The Company appears to be a music streaming service. When I researched the company, on one site, I saw that several ( probably thousands easily if you multiply account holders that do n't check their statements ) Chase account holders have been victims since XX/XX/XXXX. On website showed similar fraud dating back to XX/XX/XXXX and several in XX/XX/XXXX. I called Chase customer service and spoke with their Fraud division on XXXX XXXX, XXXX. 
After they agreed to remove the charge, I asked the fraud dept. rep. why they did not contact their customers to advise them their cards were compromised and was advised an investigation is ongoing. I again asked if it made sense to alert customers that their personal information has been compromised ( possibly via a data breach ) or contact law enforcement and was told the investigation is ongoing. While they spend years investigating, people are becoming victims of fraud and identity theft.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

( Because the layout format of the previous submission is messy, I resubmit and put all the content in the pdf attachment ) /n Complaints against BOA for alleged abuse of discretion and systemic discrimination : Im a XXXX  resident in the US . I believe I do nothing wrong. But just because of Bank of Americas misleading sales, abuse of discretions, and possible systematic discrimination against ethnic minorities, all my five well-run BOA accounts were closed. In this  difficult COVID-19 pandemic time, I cant pay online. I have to go out, again and again, to solve various financial and shopping issues for my family regardless of the risk, in the area with the highest number of infected in my state. /n Especially when I simply searched in XXXX and inquired about the XXXX  complaint data of BOA , I had to suspect that this was BOAs systematic discrimination against disadvantaged customer groups and malicious abuse of the discretionary power granted by the law, to maximize the BOAs own interests., Minimize their risk, and deliberately harm the interests of customers, as the similar discrimination cases of XXXX XXXX, XXXX, and XXXX XXXX in XXXX .... ( Because the layout format of the previous submission is messy, I resubmit and put all the content in the pdf attachment )
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I opened a new checking account with Citi bank who had a promotion for {$750.00} bonus if deposited {$100000.00} for 60 consecutive days. I opened account and when I got the ATM card in mail deposited $ XXXX ... unfortunately Citi put in their system it was only XXXX. After weeks of trying to figure out what happened i deposited another XXXX for a total of XXXX. I left in there for at least 6 months waiting for bonus. Citi then told me they did not get the minimum deposit withing 20 days of opening so I do not qualify. The entire error was their fault and they dont want to give me my bonus.
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (MN)

Dear NorthStar Companies. a few weeks ago I asked you to cease and desist on a debt that you claim I owe unless you could provide me a copy of the credit application with my Signed Signature attached. You sent out a letter today with incomplete Information on some paper with XXXX XXXX XXXX Logo attached that was Typed up by your office with Invalid information Most important their is no signature with my name signed to it. so therefore you are violation the cease & desist demand I asked for. Unless you send me the Original credit application with my named signed to it. I asked You once again to cease and desist thank you!