davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

Adler Wallach & Associates ( AWA ) placed a collection on my credit report for " XXXX XXXX ''. 
It is not mine, I've NEVER had any sort of XXXX XXXX account. 
I informed them that it was not my account and I disputed it through the credit bureaus but Adler Wallach & Associates refused to delete it from my XXXX  credit report.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I don’t have specific dates. Bank of America closed all my accounts that were all in good standing. Wouldn’t disclose reason. When the accounts were closed my auto pay stopped and I wasn’t even aware the accounts were closed. I tried disputing the late fee charge but was told they couldn’t help me because the account was already closed. I continued to pay until a few months ago when a payment I sent through my bank didn’t go through. And was then charged another late fee. I called and wanted to pay off the account in full if they would take the two late fees off but absolutely no way they would do that. At that point I owed roughly XXXX plus the 2 late fees which were $XXXX  each. In protest I decided not to pay anything and now my FIco went from over 800 to XXXX. Please help. The balance now exceeds $XXXX
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

Amsher collections states I owe {$1200.00} for XXXX XXXX. I have disputed XXXX XXXX claim before in XX/XX/XXXX but now a new one appeared on XXXX XXXX. I have no account with XXXX XXXX or Amsher collections. I have never had services from XXXX XXXX. I have lived in apartments the last 10 years none of which allow for XXXX .I disputed with XXXX company tried to say it was a accurate account. I called XXXX they only transferred me around and continually asked for my ssn. Was sent to the Spanish line twice, I do not speak Spanish. Never sent information about this debt only saw it on my credit report.
Consumer complaint received 2018-10-05
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: CITIBANK, N.A. (CA)

I removed a authorized user from my account in XXXX or 2018 I notified Citi bank I no longer want to be financially responsible I would like them removed the agent was nice told me everything was done I paid the XXXX dollars they had run up on the card in full. Without my permission without my knowledge Citi bank issued them a new card 4 months later They run the credit card up to XXXX dollars and citi bank says Im responsible. Now citi bank admits in recorded phone conversations I called and told them in XX/XX/ 2018 I no longer want to be financially responsible and I want this person removed and citi bank admits I never once called them to add another autorized user to my account so how am I able to be held financially responsible?
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My name is XXXX XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws. If Im receiving her information she might also be receiving mine. My credit score has dropped from a XXXX to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So Im not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and seen a lot of inaccuracies. I filed identity theft with the XXXX XXXX police after realizing i was a victim of the crime. I 1st tried to settle the problem with the credit bureaus directly. I sent the all the documentation stating the situation and nothing has been done. I have not received anything of it being settled or deleted. I have provided information that my information has been in multiple data leaks. Enclosed are all the documentation as well as tracking receipts.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - XXXX XXXX
Consumer complaint received 2020-11-22
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: CITIBANK, N.A. (VA)

On XX/XX/2020, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CO)

I sent them on XX/XX/2024 copies of the letter I opted out of Dell extended warranty, I called XXXX several times in the last pass year and was told that I have to keep paying until they get this straighten out and what I pay will be refunded to me, that never happened. So I quit paying on something I didn't owe. When I asked for my refund, that when they said I was 30 days late twice. I closed this account out frustration that no one from Dell or Comenity Capital Bank. Comenity couldn't or wouldn't get any information from prior to the sell from Dell Financial, but still was able to charge me for information they couldn't obtain. All I asked that they delete the 30 days late and they didn't need to refund me. 
In option no one research this, only went the misinformation that showed on their computer, if they would look more into I wouldn't being punish for their error.
Consumer complaint received 2020-12-08
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: Santander Consumer USA Holdings Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-08-12
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: PINNACLE FINANCIAL PARTNERS, INC. (FL)

These are the companies that have reported items that I have no knowledge of, I've never cosigned for and never signed up for. I would like to have them investigated and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jim Bottin Enterprises, Inc (AL)

XXXX XXXX XXXX XXXX XXXX has repeatedly called & tried to " XXXX '' me into paying a debt, I never incurred to " XXXX XXXX '' Even after I sent their attorney, a letter disputing any & all " bogus '' charges, their representative continues to call threatening to sue me, even at one time trying to disguise himself as a lawyer. Calling me an " XXXX '' on this last call ( XX/XX/2021 ), I finally blocked their number which is ( XXXX ). 
After reviewing their comp [ any, this is a pattern they use with many consumers. The representative of this company, disguises himself as an attorney and/or someone from a law firm TRYING to " XXXX '' me into paying, something I DO NOT OWE, threatening to sue, calling derogatory names. Something you would see on a playground or in movies as a " shakedown '' Please investigate this company, so others will not have to go through this kind of conduct. Thank you for your cooperation in this matter.
Consumer complaint received 2017-12-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX is reporting a multiple collection of the same account. I have contacted TransUnion, they just updated without removing the same multiple account.
Consumer complaint received 2021-05-05
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. (OH)

The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been paid.
Consumer complaint received 2021-05-05
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. (OH)

The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been paid.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

I requested on  XX/XX/2019 that Afni send me validation bearing my signature of a collection account that they place on my credit report claiming i owe XXXX Which i don't recall ever having an account that i owe XXXX to Afni nor XXXX. On XX/XX/2019  Afni sent me a letter of verification and not Validation bearing my signature . Included in this letter it was stated that the Current Creditor of this account is XXXX . On XX/XX/2019 i sent Afni another letter asking for the validation since they say that I owe them. ON XX/XX/2019 Afni did not provide me Validation once again bearing my signature. Also this Letter stated that the Current Creditor is XXXX and that Afni will now cease in further communication with me regarding this account.
Consumer complaint received 2018-07-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WLCC (ME)

On XX/XX/XXXX I received a voicemail from " XXXX '' calling from XXXX. She advised she was calling from " XXXX XXXX XXXX '' and I needed to call her immediately. I returned the call and XXXX proceeded to tell me that I took out a {$400.00} loan with her company in XXXX and now owe over {$600.00}. I advised that I had never heard of her company, never took out a loan, and owed them nothing. She then provided me with " reference names '' I allegedly provided when applying for this loan and I told her I did not know who these names were. I then advised I had never taken a loan from her company, had never even heard of them, and they are trying to collect a bogus debt they are saying is from over three years ago and they need to stop calling me. XXXX then told me that I need to file a police report ( again, for something that allegedly occurred over three years ago ), and that this would be going on my credit report. I told her I went through a bankruptcy last year and do not owe anyone anything, and that she does not have the right to alter or examine my credit report at all as this is not my debt. XXXX continued to speak over me and tell me that I was " making this more difficult for myself ''. At this point I terminated the call.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

I discovered that the same account on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the inaccurate account that needs to be investigated and updated : XXXX XXXX XXXX : {$160000.00}
Consumer complaint received 2021-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

So my loans are being charged different fees and different interest rates than they were when pay off was signed with lawyers and agreements were set. I see suddenly my entire payment is now counted as a fee when this wasn't the original agreement or how the accounting was handled. Please fix the accounts to show the same interest rates that was agreed upon. Debt collectors can not just change as they see fit as rules must be the same. I have the payments and how they were being distributed to 2014. Once the debt collector sent my bill to another company Navient chose interests and payments were changed. I need statements of accounts that show the agreed upon rates and terms.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

After reporting fraud and suspicious activity since XX/XX/XXXX to boa at XXXX   XXXX XXXX XXXX XXXX va XXXX manager thru present on my accounts XXXX XXXX did a intense research into all my accounts after me making a complaint with the cfpb.I STILL DO NOT HAVE THE ORIGINAL XXXX bank of America  ACCOUNT SIGNATURE CARD WHEN OPENED XX/XX/XXXX as per XXXXAND I was also  promised by XXXXAn  ORIGINAL XXXX ACCOUNT SIGNATURE CARD OF XX/XX/XXXX.As per XXXX. I ordered a duplicate copy of my full complaint on bank of America to see if she had sent the promised crucial signature cards to the CFPB as she stated she did. I opened the cfpb package today XX/XX/XXXX after waiting all this time AND NEITHER ENCLOSURE IS IN BOA XXXX info sent to the CFPB as stated in her letter of XX/XX/XXXX to me and the Cfpb.I am requesting production of these documents be sent to me asap as promised by bank of America regulatory XXXX XXXX  .XXXX ncSend them certified so I have to sign for them XXXX XXXX  XXXX  XXXX nc XXXXXXXXAND FAX ME A COPY OF EACH OF THE ORIGINAL XXXX AND XXXX   SIGNATURE CARDS ON OPENING DATE OF THESE ACCOUNTS as promised since XXXX.My fax plus NUMBER IS XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

I am a victim of identity theft. Someone opened ( XXXX ) Affirm accounts with my information. This is fraud. The accounts are : XXXX {$94.00} opened XX/XX/2023 | XXXX  - {$110.00} opened XX/XX/2023 | XXXX - {$85.00} opened in XX/XX/2023 XXXX
Consumer complaint received 2023-01-18
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. (TX)

I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes XXXX, Equifax and XXXX have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

XXXX. ) XXXX XXXX ACCOUNT # XXXX ( NOT FOUND ) XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX ( NOT LICENSED IN TEXAS PDF ATTACHED ) XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ( NOT LICENSED IN TEXAS ) XXXX. ) XXXX XXXX  ACCT NUMBER XXXX ( NOT FOUND )
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (TX)

I disputed account # XXXX company name XXXX and XXXX company address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account # XXXX XXXX company address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX and Equifax deleted all XXXX accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all XXXX of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from XXXX XXXX and Equifax with these accounts deleted.
Consumer complaint received 2023-02-15
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: U.S. BANCORP (CA)

On XX/XX/XXXX, I placed an order with XXXX in the amount of {$170.00} which was not delivered. ( Order # XXXX ) XXXX tracking ( XXXX ) shows it was returned to the sender. XXXX did not notify me of the issue. The item was a XXXX gift and I did not become aware of the issue until XX/XX/XXXX. This FIRST order included a credit of {$21.00}. On XX/XX/XXXX I placed a SECOND order ( Order # XXXX ) for a similar item in the amount of {$170.00} so that my daughter could have her XXXX gift, and this item was delivered on XX/XX/XXXX. I contacted XXXX and asked for a refund for the first purchase. They also agreed to apply the previous credit TO THE SECOND ORDER. They immediately issued amount of the credit to the second purchase, XXXX ( XXXX plus CA sales tax ) because the original purchase had this discount. However, they said they would not issue the refund of {$170.00} until they completed an investigation with the shipper. XXXX at XXXX ADVISED ME TO DISPUTE THE CHARGE. The Performance Lead ( XXXX ) at XXXX documented these statements in an email which I provided to my credit card company with my other documentation. XXXX still has not refunded the full amount of the undelivered purchase because apparently they have no internal system of dealing with their errors. The credit card company ( Fidelity Investments through Elan Financial Services ) is taking XXXX 's word that the refund of {$21.00} was towards the FIRST order rather than the SECOND and will not refund the full amount. I am asking that I be made whole in my dealings with XXXX, a company which has not followed through on its commitments and has no internal processes to protect its customers from unnecessary grief and hardship due to their sloppy and incompetent performance. The FTC says the seller of an item which is not delivered must refund the payment to the buyer and deal with the shipper separately. XXXX is in violation of this law. I provided Elan Financial Services with FULL DOCUMENTATION on this matter, including email, purchase receipts, and tracking information, and they still have not issued a complete temporary credit to my account while they wait for XXXX to approve the credit. I am asking that Elan Financial Services properly apply the {$21.00} credit to the SECOND Vitamix charge and refund the ENTIRE {$170.00} for the UNDELIVERED FIRST PURCHASE. 

I paid for a replacement gift for my daughter because of the XXXX holiday. Otherwise, I would have waited to work out the details with XXXX over the phone before placing a second order. No one answered the phone at XXXX when I decided to place the order in the hope that the item would arrive while we were still visiting with my daughter. Needless to say, it took XXXX weeks for delivery, so all was in vain. Just because the XXXX order was never delivered does not erase that credit.