davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (AL)

I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.
Consumer complaint received 2020-11-30
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)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, Santander said he was unable to finance on his own and refused to assist me. I assisted Santander in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due 180 days then 120 days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX law to assist me with this issue. Santander is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my ex-husbands credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Consumer complaint received 2019-05-29
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. (CA)

I went to XXXX XXXX in XXXX, CA on Tuesday, XX/XX/2019 and was helped by a man named XXXX. When it was time to pay and leave, he offered me a XXXX XXXX card and said if i got it, it would take 10 % off my bill. He said that it was a " soft pull '' and talked about the perks of the card. I was interested in reducing my bill by 10 %, but questioned him saying, " are you SURE it's a soft pull? '' He responded very strongly stating that he was sure and even saying, " i don't want to go to court. I wouldn't be giving people false information. '' The only reason i took the card was because he told me it was a " soft pull. '' I did not, ever, give authorization to do a hard inquiry and I want this removed.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Discover Card is showing that I owe XXXX dollars on my credit report, but they filled a XXXX cancellation of debt in XX/XX/XXXX for the XXXX tax year on this. 
They cancelled the debt so it needs to be zero 'd out on my credit report.
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

I was sent a letter about monies owed for cleaning/carpet from a previous apartment ( XXXX XXXX  ). I called the debt collector and asked why they were requesting it as when I left I was told there was nothing owed... The man on from the debt collection agency said not to worry as he will look into it more and get back to me within a month- he told me he would call me in XXXX with more information. This person/company did not ever get back to me ( call/letter/etc ) and then this month ( XX/XX/XXXX ) I get a word from my credit agency my credit dropped XXXX points due to no paying this debt ... Then I finally get a letter from this debt company this month as well ( XX/XX/XXXX ) - - nothing in between XXXX and XXXX! 
I reached out to the debt company yesterday and the gentleman I spoke with was the SAME person I spoke with back in XXXX and he denied saying he was going to call me ( like he said before ), he also told me they sent another letter which was a lie as well.. He basically told me I was wrong and pointed the finger at me. 
I would have paid this debt long ago if I was contacted as it is not a lot of money, but instead forgot about it and/or figure they got rid of the debt as I NEVER heard anything until now.
Consumer complaint received 2021-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TX)

Capital Accounts at XXXX. XXXX XXXX XXXX, TN, XXXX. Contacted me via email saying I owe them {$140.00} in back interest for mailing out letters that I never received. And that I owe them a total of {$880.00}. I sent a validation letter to them XX/XX/2021. They responded via email with just an invoice no proof or a signed contract. I followed up with a 2nd validation letter asking for sufficient proof on this alleged account such as the original contract/agreement between myself and the original creditor bearing my signature, proof of any interest or fees authorized by the agreement, and once again all I got in return was the same invoice they previously sent. I have never done business with this company.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arbor Professional Solutions, Inc. (IL)

I proceeded to call this company to see if they had gotten my police report the lady that answered was very sweet how the guy supervisor who ever he was so disrespectful when I asked to get a letter of them canceling this account as he told me they were he In turn told me I would get nothing saying anything because I filed a complaint with the CFPB so rude and began being very nasty after us where I hung up the phone I was the victim of this fraud account. He made me feel like I was the perpetrator this company should be out of business.
Consumer complaint received 2020-11-04
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. (IL)

I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-08-12
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 2021-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Every month for the past 6 months ( XX/XX/XXXX-XX/XX/XXXX ), Ive had nothing but problems trying to access Synchrony Bank through my Amazon and PayPal accounts. You can not even reach them online. Ive had to go through all the hassle of contacting them by telephone, with extremely long wait times and multiple hang ups, with the comment by Customer Service they are having technical difficulties. Six ( 6 ) months + is more than enough time for them to get their act together.
Consumer complaint received 2022-01-08
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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (FL)

I have as morgage company a corrupted company bank. XXXX XXXX managed by shellpoint morgage servicing they were to be my mortgage lender on XXXX when they and right away started to sending me paperwork for a foreclosure and I asked them to showed me proof if the mortgage month missed if they will i will pay you but they never did. they started the harassment every month they charged for a late fee until last year around XXXX of XXXX my daughter gave me some money so I can stop the harassment they charged me {$1500.00} or more for late fees and a month. they claimed I owed. so they stopped the harassment now when I tried to get a refinance the other bank see all the late months and they are denied my refinance they see all the late fees shellpoint morgage servicing claimed I owed on XXXX of XXXX XXXX  XXXX XXXX on one of the credit report they stated I never missed a payment and I was late in one or two months but never behind NO PAYMENTS MISSED you can checkout it so why shellpoint morgage servicing charged me for 20 or months of late payments i made a complaint on XXXX and XXXX of XXXX through the XXXX the credit report agencies but they didn't care i made a complaint here actually the second one and one of the XXXX or more I did before for the same issue. collecting money than wasn't owe XXXX XXXX covers his criminal activity by hiring another corrupted criminals company as shellpoint morgage servicing they robbed me they harassed me they took advantage of me it's some kind of crime couse they CAN!!
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (AL)

Binance.US 5000.00 Account frozen No customer service or contacts Around XX/XX/XXXX deposited Around XX/XX/XXXX account frozen refuse to reply After sending all documents, photos and documents requested/ still locked Went online can see now problem issue is all over social media Have ticket number from an auto zen desk response via their website but its useless just auto response loop
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION (NC)

I sent out a letter on XX/XX/2021 with my ID and identity theft statement as well as a police report for an account someone took out fraudulently in my name. SECU failed to remove it. I called to ask why and they said it is correct but it is not. I also have never lived at the address they are saying I have and I provided that proof as well. 

I also called the credit reporting phone number XXXX and was not given any help by XXXX or XXXX. I had to ask for the supervisor. I was transferred to XXXX and he disconnected the phone line. I have not been able to get help since and they have seemingly blacklisted my account so no one provides help.
Consumer complaint received 2017-07-28
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. (CA)

XXXX Inquiry from XXXX XXXX, 2017 Initiated a hard pull using my social security information when this was not authorized. Institution should be looked into for further investigation. The date of which this was initiated was not consented. Spoke with institution and they would not assisting.
Consumer complaint received 2022-01-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to mal practice while several laws were being broekn nder the FCRA by your company ... .this has caused me defermation of character, financial injury, can not apply for credit cards, and am unable to get a sba loan due to the pandemic under this crisis. This has greatly impacted my abiliity to obtain credit.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

On XXXX/XXXX/XXXX Wells Fargo fraudulently requested back the {$270.00} payment that was made to my insurance company ( XXXX ) on XXXX/XXXX/XXXX, claiming that i disputed the transaction. 
My insurance company ( XXXX ) notified me on XXXX/XXXX/XXXX, and stated that payment has already been issued to Wells Fargo and refunded back to my debit card ( ending in XXXX ). 

Wells Fargo never tried to contact or notify me and never credited my account the {$270.00} that they received back from ( XXXX ). 
Wells Fargo blatantly lied, claiming to have no knowledge of a refund request, dispute or the matter at hand, when i contacted them on XXXX/XXXX/XXXX. 


( attached bank statement shows & proves my current account balance as of today, the original payment made to XXXX on XXXX/XXXX/XXXX, and no credits/refunds issued back to my account between XXXX )
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (VA)

On Tuesday, XX/XX/XXXX I noticed a charge on my prepaid debit card for XXXX deducted from my prepaid debit card from a XXXX XXXX store. This store charged me for a phone i did not purchase and left with the merchant. I called NetSpend, who say that they credited the card. On Friday eve XX/XX/XXXX this unauthorized charge reappeared on my card, so On Saturday XX/XX/XXXX I called and explained again that this charge was not authorized, I sent them proof from my current carrier, showing that I did not authorize nor did I purchase this phone. The representative, blocked my card, without notice, and hung up on me. When I called back and requested to speak with a supervisor, three other representatives hung up on me, it took me three hours to reach a supervisor, who apologizes, and stated that the card should not have been blocked, and he rushed me another card. I got three cards that weren't active in the mail, and some snotty man in escalated billing reactivated the card they blocked that Saturday, leaving me open to this merchant. It has been over two weeks, they have not replaced my money, and are ignoring my emails regarding my dispute. They refuse to return the money withdrawn from my account or provide me a provisional credit.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I requested my equifax free anual credit report. Received a " request for proof of identity '' which I replied back ( I believed a normal procedure cause it 's a new account ) including my SSN and a bill for address proof. 
Received 15 days later two credit reports ( with a submitted date difference of one day between them ), the first 14 pages, the second 18 pages. 
the second one ( dated one day later ) explicitly said on the first page : " We are please to let you know that the results of the dispute you recently filed with Equifax '', which I never did, it 's my first credit report.
The following personal information was inaccurate on both reports : last name, DOB. 

Opened a dispute online, got a confirmation number valid to check till XX/XX/2017, and ca n't check status on the webpage ( https : //www.ai.equifax.com/XXXX ) not responding and over the phone with an " unable to check the status '' msg. I tried every day since I 've got the email confirmation about the dispute resolution ( XX/XX/2017 )  with the same results. 
Got denied at least 4 times from different financial institutions that get the reports from Equifax probably cause of this inaccurate information. This is impacting in my credit and financial ability and I have no response from Equifax.
Consumer complaint received 2021-01-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Consumer Finance, Inc. (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-09-27
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. (KY)

I requested copies of my credit report from XXXX  & equifax XX/XX/XXXX that had many inaccurateies. I called them XXXX to dispute 2 visible items XXXX XXXX ( verison ) {$320.00} from XX/XX/XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with Equifax. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm indigent! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.