davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
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: TD BANK US HOLDING COMPANY (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX of Inquiry : XXXX XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  XXXX  Date of Inquiry : XXXX XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Date of Inquiry : XXXX XXXX This is not mine.
Consumer complaint received 2022-04-06
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)

XXXX I visited a XXXX resort in XXXX, Florida. After a lengthy sells pitch they sold me on a every other year timeshare. I was never told about my rights to rescind or given the POS. In XX/XX/XXXX, I used the timeshare and discovered it wasnt what I was originally sold. After making many calls and no reply from XXXX didnt hear anything from XXXX resorts until XX/XX/XXXX when they reported a delinquent account to my credit report. I had to call XXXX and I requested the original contract, etc.. ( via phone & written request ) which no one would assist, they just tried to sell me on a new timeshare. Completely disregarding my concerns. I have nothing with my signature stating I agreed or authorized XXXX to report to the credit bureaus. I have never received an inquiry to access my credit report and they have never reported the account until XX/XX/XXXX.
Consumer complaint received 2020-05-13
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. (OH)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2019-05-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

i do not owe this third party debt collector and under fcra policy section 609 there is no originally signrd contracts and no proper debt validation i did recieve financial aid and this company is not trying to collect illeagally
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CRESCO CAPITAL INC. (IL)

Hello there! Iam making a final goodwill attempt to have you clear up this matter. Its my understanding that consumer financial protection bureau help 's enforce consumers right 's, and stop bad reporting agency feom reporting inaccurate incomplete errors on consumer credit report. Also be advised that this is my third attempt, 120 days no response, is a automatic delection. This company is in violation of 15usc 1681, no need for me to go into detail, and tell you the law your company knows for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report, with physical documents. I am sure that uou are aware, current federal case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report report on their responsibility must consist of something more than parroting information received from other sources which means i never received any proof of this account so it has to be removed required by law. 30 days validation note section 1692g ( B ) collector must provide name/ address of orignal creditor if different from current creditor. Section 1692e ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies the list just continues. This company has ignored my request to provide me with the documents thats in their files months ago. Its obvious this company can't this account, and under section 611 ( 5 ) ( A ) of the fcra tou are required to promptly all information including the big three credit bureaus which can not be verified. Sounds like a civil liability thats granted to me for negligent noncompliance section 617 state 's if you fail to comply with the federal law, i can pursue litigation to my right under thr FCRA, i truly demand this account to be removed immediately Sincerely XXXX XXXX
Consumer complaint received 2019-11-08
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: EQUIFAX, INC. (GA)

I am a victim on Equifaxs Data Breach and have put a fraud alert on my credit report after finding over 200 unauthorized /fraudulent on my credit. My credit score has dropped from a XXXX to in the low 400s. On several occasions I have called equifax and filed disputes online to have these inquiries removed. There was also some incorrect information on my report including the wrong name and birthdate but they were removed. I have attached a copy of my latest dispute results below.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (TX)

A false creditor and false account was placed on my creditor was placed on my credit report. It shows as an open account. The creditor shows as XXXX XXXX XXXX and they do not exist. I want to know what this is and who did this, and why was the account opened in my name. I want it taken off my credit report. I do not want to call the Midwest Recovery and give them any of my personal information, I want you to research this and provide me all the background information.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MO)

Synchrony/SAMs MC with a balance of {$2000.00} was settled via phone conversation between XXXX  XXXX  XXXX  agent and Synchrony Bank representative XXXX XXXX for {$710.00} lump sum payment to be received by Synchrony Bank on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by Synchrony Bank on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by Synchrony Bank as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. XXXX XXXX  notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to XXXX XXXX  on XXXX. XXXX XXXX  notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XXXX. No further settlement terms are needed or secure.
Consumer complaint received 2019-11-08
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 — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK (CA)

My XXXX XXXX XXXX lease end date was set for XX/XX/XXXX. Therefore, I went to the dealership, XXXX XXXX XXXX, on XX/XX/XXXX to purchase my XXXX XXXX XXXX  which I had leased through XXXX XXXX. The dealer quoted me a payoff balance of XXXX to purchase my lease. I agreed to have my vehicle financed. 
On XX/XX/XXXX I called XXXX XXXX  to confirm they received the payoff amount and was advised they received a payoff amount of {$19000.00} which is XXXX less than the amount I was quoted. I called the dealer and spoke to finance manager and was advised to call my new finance company, Mechanics Bank. I called them right after and spoke to XXXX who could not help me in getting my financed amount updated due to not having a copy of my contract. She said s she would follow up with me but never did. 
Today ( XX/XX/XXXX ), I called Mechanics Bank again spoke to XXXX and XXXX. Was on the phone for over 1hr and was not able to get a resolution. XXXX did her best to get someone on the phone who could assist me but had no success. Again was promised a call back.
Consumer complaint received 2019-11-08
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

I called American Express on XX/XX/XXXX to tell them that I had just lost my job and will not be able to pay them the amount I am being billed. I have been a customer of theirs since XXXX and have always paid my bills on time. In the past when I had financial issues such as being laid off from a job, they let me get on a payment plan or hardship plan until I found another job. This time when I asked for a hardship plan or payment plan, they refused and said I am not eligible for any such plan. I reiterated that I DO NOT HAVE the money to pay them. They said, " well, then your account will be past due. '' This is unacceptable. I am trying to work with them, but they will not work with me.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$5400.00} Open balance Improper use of my credit report. 

In accordance with the fair credit reporting act, this creditor, MIDLAND CREDIT MANAGEMENT has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy.

15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose It is my request that this account be removed from my credit bureau XXXX XXXX and any other credit bureau
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Fraud Alert added to report. Suspicious inquiries reported to credit report ( Transunion ). contacted credit bureau to have removed. 
Also collections reporting in violation of my consumer right and the Hipaa laws.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Consumer complaint received 2017-09-14
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. (OH)

TransUnion had a computer glitch that caused some inquiries on my report to fall off. TransUnion then decided to readd the inquiries to my credit file ILLEGALLY without giving proper 5 day notice as required by law. I 've contacted TRANSUNION out of good faith to help resolve this matter and to help get the unauthorized illegally added inquiries off the credit file. Having these inquiries on this credit file is creating a harship for me and my rights are totally violated by TransUnion. I 'm asking that you help make TransUnion to stop victimizing me.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ARVEST BANK GROUP, INC. (AR)

I have an active account with Arvest Bank. 
I came to the bank and I asked for XXXXXXXX cash from my account. They asked me to sign a withdrawal cach request and they asked me to provide my ID. After that they asked me to step out of my car to see my face clearly. I got clos to the camera and they confirmed the identify my face. And they start processing the transaction. Then, they back again and they told me Sorry we cant help you the system is down. And they didnt give me my money. 

I ask them what should I do they said everywhere system is down and we cant give you your money. 

The Bank address was : XXXX XXXX XXXX XXXX, XXXX, AR XXXX, United States.
Consumer complaint received 2021-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

ON XXXX of 2020 credit collections issued a collection for {$2.00} on behalf of XXXX XXXX XXXX. I have reason to believe that this debt is fraudulent. I never conducted business with XXXX in 2020.
Consumer complaint received 2019-11-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Georgia Student Finance Authority (GA)

Georgia Student Finance did not do what they said they would do. Representatives stated to me, that due to my medical illness. I qualified for a Medical Hardship, or Financial Hardship program. I was told that they would mail me a form to fill out, but I never received it. However, they are continuing to report late, and non payments to my Credit Report that has caused tremendous damage to my reports. Georgia Student Finance did not keep their word, and never reached back out to me to see if, or why I didnt receive the form. It seems they dont care, about my Medical illnesses and want to continue to ruin my Credit month, after month.
Consumer complaint received 2019-11-08
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)

On XX/XX/2019 XXXX deleted 2 Public Records ( Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 XXXX turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my XXXX Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! I am requesting the same request, from TransUnion as well. TransUnion did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my TransUnion Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! XXXX  has removed both of the Public Records ( Bankruptcies ), from my XXXX Credit Report, due to inaccuracies. Thank you XXXX. XXXX and TransUnion has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.
Consumer complaint received 2017-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have disputed this item twice previously and advised this was not my debt and I wanted to see the contract from the original debtor. All I keep receiving in the mail is a general statement showing how much is owed and who it is owed to. They refuse to send me the documentation I am asking for and I have no knowledge of this debt. The debt has been placed on my credit report for all 3 credit bureaus. I would like this debt to be removed unless they have a valid contact from the original debtor showing I signed or authorized this account.
Consumer complaint received 2022-08-11
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Sir.The prize amounted $ XXXXUsd was said that in my name and contac to the bank of america.After the contacted them they had send me prize winning certificate.I don't know who issued that certificate and the certificate are true or not.But according to those certificate issued in my name I had claimed the winning prize.But they said that first to pay the transfer and processing charged amounted to {$1700.00} Usd.I refused to pay and asked them to transfer me the amount deducting the transfer fees.But they said the prize couldn't be deductible because of uno security reason and insurance protection.so the fund is still in hold or what was the actual reason.? Now they are telling me they are going to return it in government unclaimed fund.So what was the actual reason and what should I do to achieve that prize amount if that is real and genuine .Thank you