davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

I have a debt on my credit report that has been increasing however I do not owe the XXXX Kimball. They are a third party attempting to collect on a past apartment I lived at but was settled in court. I paid {$600.00} that was the judgment ordered I did not live there after that and nothing more was owed. 
This was removed from my credit report then it appears again now. 
This same exact amount {$4000.00} also shows up on a separate persons credit report who lived there also which would definitely be incorrect information because that is {$8000.00}. In total for the same apartment. 
This person was not even initial lease his name is XXXX XXXX XXXX. 
I do not owe XXXX XXXX XXXXXXXX ANY AMONNT of money I paid what I was ordered to pay in full {$600.00} and moved out I was never informed of any additional charges owed that was it. This took place in XXXXXXXX XXXX XXXXXXXX. I moved there in XXXX XXXX and that would be when the initial lease was signed by me I lost alot of my belongings in storage I couldnt afford due to XXXX and XXXX related issues. I do not know if I have the lease but the copies exist and so does a court judgement I never did any business whatsoever with KIMBALL AMD TIREY XXXX and they could not validate that I have ever or produce a contract which I have signed period because there isnt one. I am also part of the data breach in XXXX XXXX settled for XXXX XXXX and have filled a claim. 
I have filed multiple disputes and I feel to that the XXXX debt in my credit report for XXXXXXXX XXXX may be a result also because I did not open a new account in XXXXXXXX XXXX XXXXXXXX Theres not even a way anyone would open one for me that XXXX {$290.00} Is absolutely not mine in any case please help.
Consumer complaint received 2021-07-19
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. (GA)

My purse was snatched with all of my Identification information in it. I called and spoke with a representative and explained what happened. They instructed me to send in a identity theft with the information that was created by the thief to have that deleted from my credit report.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY (FL)

I, XXXX XXXX, entered into a consumer credit transaction with TD Auto Finance on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. The finance charge is not to include cash, but I was required to pay a down payment of {$2000.00}. The finance charge is also supposed to include auto insurance, but I was made to purchase insurance separately. The contract provided to me by TD Auto Finance did not disclose the right to rescind, nor did they provide appropriate forms to allow me to exercise my right to rescind. This is a violation of my rights per the Truth in Lending Act 15 USC 1635 ( a ).
Consumer complaint received 2021-05-28
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. (TX)

Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in XX/XX/XXXX.
Consumer complaint received 2021-05-28
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. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

Lowes Credit Card double charged me on XX/XX/2021 for same purchase. I have only made 1 purchase for {$300.00}, but Lowes charged 2 of the same transaction amounts instead. I have requested a dispute over the phone around XX/XX/XXXX. On, XX/XX/2021 I have received Lowes decision not in my favor and said that they would not return my funds to me. As proof they have attached 1 receipt for the 1 valid {$300.00} charge that I made and the second receipt for {$450.00} completely different charge. Lowes has not provided we with receipt for the second {$300.00} charge that they charged me. And refuses to re-investigate. They keep referencing the wrong receipts.
Consumer complaint received 2022-11-16
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)

MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XX/XX/XXXXXXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX the reporting of any XXXX in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

Earlier today I saw on XXXX that someone was selling tickets to the XXXX vs. XXXX game in XXXX tomorrow ( XX/XX/XXXX ). I contacted the seller via text message. He was selling the tickets for {$110.00} each, and I wanted 2. So I paid him {$230.00} through XXXX, an application that is backed by my bank, XXXX XXXX XXXX ( so logically, I thought this company was trustworthy ). I sent him the payment through XXXX and let him know. I never heard from him again and never got the tickets. He provided his name, XXXX XXXX, and email, XXXX, which I do not know if it is legit. I also have his phone number, XXXX. I figured if he used this name and email address on XXXX that XXXX would be able to track him down and stop the money from being transferred into his account ( and before he was able to close the account ). I tried contacting XXXX via the contact page on their website and didn't receive a prompt response to fix this issue. I also tried calling the number listed on their website. They provided no option to help resolve this issue and no option to let me speak to a representative. All I wanted was to stop this money from being posted to his account and out of mine. I do not have {$230.00} to spare. I am a recent XXXX XXXX  with very little money. People like this should not be able to get away with such actions, and in addition, I want my money back. 

I have read countless posts online about how XXXX says there is nothing they can do since the buyer ( me ) authorized this transaction. This is not fair.. especially when I've attempted for hours to get this transaction to be stopped before the scammer gets his money and shuts down his account. 

I will NEVER use XXXX again and will NEVER recommend XXXX. I'm livid. 

I've reported him to the FBI Internet Crime Complaint Center in hopes he gets caught.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (IL)

My complaint is that I am owed {$120.00} from BMO Harris Bank. Here are the facts : BMO Harris Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX x XXXX XXXX Loan Numbers : Old XXXX XXXX ( purged system ) I purchased my current residence ( XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) in XXXX of XXXX Financing was through BMO XXXX XXXX loan # XXXX ). 
I refinanced this loan in XX/XX/XXXX. XXXX for a more favorable interest rate. 
After the closing I received a letter from BMO-Harris stating there was a balance in my BMO escrow account of {$120.00}. I called my bank about it, and was told I'd be receiving a check within XXXX days. 

First Call : When I had not received my balance due by XX/XX/XXXX I called BMO Harris XXXX XXXX ] and spoke to XXXX XXXX employees are not allowed to give out last names. ) XXXX informed me that on XX/XX/XXXX BMO-Harris issued check # XXXX and sent to my address. When I told her I never received it, she stated the check would be stopped and reissued. The process was to take approximate 10 days. 

Second Call : On XX/XX/XXXX I called again and spoke to XXXX of Customer Service. She confirmed that the check had been stopped, but it was to be reissued on XX/XX/XXXX and I should receive it by XX/XX/XXXX. I also spoke to a supervisor ( XXXX ) who promised to call me to insured I received the check. 

Third Call : " XXXX '' XXXX of BMO Harris XXXX called on XX/XX/XXXX. I told her I had not received my check. She expressed surprise and told me she would look into the matter. 

Fourth Call : I called on XX/XX/XXXX and spoke to XXXX of Customer Service ( BMO XXXX XXXX. I asked to either see a copy of cancelled check or for them to send me my check. She asked me to wait and give it a few more days. I should have it by XX/XX/XXXX. 

Fifth Call : I called on XX/XX/XXXX, and spoke to XXXX. She verified my current address. I was told the check was in the purged system and a new check is being prepared. It was to be sent by 2 day air on XX/XX/XXXX and be placed in my hand by XX/XX/XXXX. 

As of XX/XX/XXXX I still have not received this check.
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Synergetic Communication Inc (KY)

I don't get a lot of calls on my land-line. I keep it for emergencies only. 
On XX/XX/XXXX after XXXX XXXX. The XXXX man did not identify himself and asked for XXXX XXXX. I have a few relatives with this name and none of them live at my house. I said there's nobody here by that name. And he said but you know him. He kept asking and I kept avaiding since I am not responsible for the debts of XXXX XXXX. 
When the man said, " listen, XXXX! '' I hung up. 
Then 3 days later the collection letter arrived. I can not prove that the call came from their " researcher, '' but why else would I get a collection letter for someone who does not, has never lived in my house?
Consumer complaint received 2021-01-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOV ASSOC Opened XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (IN)

Equifax is showing me two different versions of my credit report. I ordered a 7-day trial of the Equifax XXXX XXXX XXXX which shows me all three bureau reports and scores. I have attached images of what the 3-bureau report is showing me for inquiries, addresses and several other accounts. I then attached images of what the stand-alone Equifax report is showing me for inquiries, addresses and other accounts. This falsification / misconception is preventing me from knowing the truth about my credit report, and if it is not corrected to my specifications, I will litigate in arbitration AGAIN.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I bought a XXXX transact card onor around XX/XX/2021 i put XXXX dollars on it and when i tried to activate it they told me they closed my Account becaise of frsud on a previous acvount. I told them i never had an account and they ignored me and tokd me id get my money in so long and hung up
Consumer complaint received 2021-05-28
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. (CA)

Since XX/XX/2021 I paid my XXXX XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

TransUnion however, still shows {$3700.00} - I have contacted XXXX XXXX AND TransUnion to have the account information brought current. I asked XXXX Bank today to send a record update over to TransUnion, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days.

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2 (CA)

I have been attempted to contact Persolve Legal Group attorney who filed a lawsuit against. The collectors on the line refuse to allow me to speak with their legal team and instead state they are the legal team. I have been trying to resolve this matter for months but have received nothing but belittling and threatening phone calls from this company.
Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NC)

My car was deemed as a Total loss by my insurance company on XX/XX/XXXX. My insurance company and myself tried reaching out to Santander many times without resolution Santander consumer usa, continues to ignore my claim. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... No one at this company wants to work!!! On XX/XX/XXXX It was brought to my attention that representative at Santander never filed my claim when I called originally. I had to file another claim while listening to babies cry in the background, mothers yelling at children, all while trying to get information to the representative at Santander consumer USA. I called Santander back again to speak with someone in the insurance department and for some reason she thought my situation was funny and continue to laugh throughout our conversation. She stated there was nothing that can be done for my situation.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company withdrew XXXX sent it to somewhere without letters no me know where leaving me a balance of XXXX they have been holding my money since XXXX I been calling they will not give no explanation for what they are doing I called again to get my remaining balance and close my account they still will not do this I need to know where my money went also I need access to my funds this has been a battle with capital one bank since early XXXX this is ridiculous.
Consumer complaint received 2021-05-28
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. (TX)

I reviewed a copy of my currrent credit report and show inaccurate information with creditor name XXXX XXXX account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted XXXX XXXX you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.
Consumer complaint received 2021-07-18
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. (IL)

To Whom This May Concern, I am reaching out due to the credit bureau system disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I act that you hold them accordingly to these violations or I will file a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards.
Consumer complaint received 2020-11-23
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)

Request to Reinvestigate & Delete Accounts FulXXXX name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1991 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$420.00} XXXX {$500.00} XXXX  XXXX  {$310.00} XXXX  XXXX {$530.00} XXXX XXXX {$150.00} XXXX XXXX {$10000.00}