davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XX/XX/2018 Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

I received a cancellation of debt notice from XXXX , XXXX dba XXXX XXXX , XXXX in XX/XX/2018 indicating that a debt that I supposedly owe XXXX XXXX had been discharged in the amount of {$1200.00} dollars. 

On XX/XX/2018, I sent a letter along with a copy of the cancellation of debt notice to XXXX , XXXX dba XXXX XXXX , XXXX disputing this alleged debt and requested validation of the debt. Thirty days passed with no response from them. After failing to respond to my request, a second request for validation of the alleged debt was sent on XX/XX/2018. I included a copy of my previous letter, a second copy of the cancellation of debt notice, and a copy of the mail receipt showing that XXXX , XXXX dba XXXX XXXX , XXXX received my first request for validation of debt letter on XX/XX/2018. 

XXXX , XXXX dba XXXX XXXX , XXXX responded with a letter and a copy of a check that I supposedly signed and cashed ; however, after carefully reviewing the check, I still disputed the validity of the alleged debt. The check states that a Payees endorsement and 2 forms of ID are required. XXXX , XXXX   dba XXXX XXXX , XXXX did not enclose a copy of the 2 forms of ID used proving that I indeed endorsed the check. Identity theft is rampant in the world that we live in today, and a signature can easily be forged by anyone. 

I am requesting that this item be deleted immediately from my credit file because XXXX , XXXX dba XXXX XXXX , XXXX has failed to validate this debt. Please send me an updated copy of my credit report reflecting this change. 

Sincerely, Enclosure
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OK)

No y problem is with Citibank. They have STOLEN my money for almost XXXX months now and unjustly refused to allow me access to it. 
They claim that they can not verify my identity via my phone number. Which I know personally is a lie because a couple of representatives have told me already that my identity HAS been verified via my phone number. However there is a certain department that has to remove the block on my account and they refuse too. I am beyond appalled. 
They claimed to have mailed out a letter with a pin number that I could use to verify however, I never received such a letter. And lastly they will not allow me to cost my account and send me a check for my remaining balance. 
I WANT MY MONEY!!!
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on NATIONAL CREDIT ADJUST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (IN)

On XX/XX/2019 Via LexisNexis portal site : https : XXXX I requested that LexisNexis Please forward an updated copy of my report to XXXX screening reports within 48 hours. After updated report has been forwarded, please place a freeze on my account, as well as an information suppression. 

Please send a copy of the updated report you sent to XXXX to me as well at the address above 2 days later i still have not heard a response
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2021-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I HAVE FILED NUMEROUS COMPLAINTS AGAINST BANK OF AMERICA USING PRADATORY LOAN TACTICS AND YOU ( CFPB ) CONTINUE TO DO NOTHING!!! ABSOLUTELY NOTHING!!! THERE HAS GOT TO BE SOMETHING YOU PEOPLE CAN DO, I MEAN YOU'RE PAID BY THE GOVERNMENT TO SIT IN YOUR OFFICES AND DO WHAT EXACTLY??? TO BE A MESSENGER AND TAKE IT OUT OF TAX PAYER 'S WALLETS??? WHAT EXACTLY IS YOUR PURPOSE BECAUSE I AM NOT GETTING ANY CHANGE FROM BANK OF AMERICA!?! 
NO BECAUSE THEY ARE CONTINUALLY LYING LYING LYING AND CONTINUE PRACTICING THEIR PRADATORY LOAN TACTICS AND YOU ( CFPB ) ACTUALLY BELIEVES THEM WOW!!! 
THE COMPANY 'S " RESPONSE '' IS THE SAME BS THEY'VE BEEN TELLING ME FOR YEARS!!! THAT THEY ARE WORKING ON IT AND/OR HAVE " RESOLVED '' IT AND/OR TO CALL THEM ( WHICH THEY NEVER NEVER NEVER ANSWER THEIR PHONES!!! ) I HAVE BEEN TRYING TO CALL THEM FOR YEARS NOW SINCE THEY STOPPED TAKING PAYMENT OVER THE PHONE AND THEY " USED '' TO GIVE ME A CONFIRMATION NUMBER AND HAVE NOT DONE THIS IN YEARS!!! SO NO THEY HAVE NOT RESOLVED NOTHING!!!
Consumer complaint received 2020-04-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc. (GA)

On XX/XX/20, I received notice from credit card company that my credit score had decreased by 100pts!!. This prompted me to check my credit report. There was a collection account posted XXXX on my report by First Financial Asset Mgmt for XXXX XXXX XXXX in the amount of {$210.00}. I have never heard of First Financial Asset Mgmt until XX/XX/20. I have disputed the validity by phone and in writing with First Financial Asset Mgmt., but the false reporting remains damaging to my credit report. I need to report the practices of First Financial Asset Mgmt. I would like them to be held responsible for the damages caused to me and my family for making false reports.
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I attached my credit report I have student loans and I never went to school. I have multiple collections and charge off. I don't have any bad debt. I drive for XXXX and I have XXXX kids and a wife. Life is hard for us. Please I don't know who could've done this to me. 
XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$630.00} Closed Hide closed ( 1 ) CREDIT CARDS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$2200.00} Closed CXXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$1400.00} Closed XXXX/XXXX Reported : XX/XX/XXXX+ {$0.00} Closed XXXX XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported :XX/XX/XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS DEPT OF ED / XXXX not mines Reported : XX/XX/XXXX + {$4100.00} In good standing DEPT OF ED / XXXX   not mines Reported : XX/XX/XXXX + {$4000.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.

I have not applied for anything please remove these inquiries XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX   XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX   ) XXXX-XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX-XXXX XXXX XXXX  Inquiry :XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX + Finance/Personal ( XXXX  ) XXXX-XXXX XXXX Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX   ) XXXX-XXXX RISE Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX  ) XXXX-XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX-XXXX  XXXX XXXX Inquiry :XX/XX/XXXX + Credit Union ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX  ) XXXX-XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX  ) XXXX-XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX Reported :XX/XX/XXXX + {$1900.00} Needs Attention XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$860.00} Needs Attention
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.
Consumer complaint received 2023-01-20
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. (TX)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (FL)

Medical bill after auto accident XX/XX/2021. Covered by at fault partys auto insurance when an itemized bill is provided detailing service, date of service, and cost. Neither the originating company nor the debt collection company did so after multiple requests. 

After over 2 years of no communication item was added to my XXXX credit report as in collections. 

I filed multiple disputes and added as much supporting information to prove this bill was not my responsibility. I finally recieved the itemized bill and am working with the at fault insurance company toward resolution.
Consumer complaint received 2019-05-29
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. (WA)

XXXX ; Experian and XXXX are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

XXXX XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX contacted me by phone and said I owe {$2000.00} for a delinquent credit card balance. 
I have excellent credit and have never missed a payment so this sounded fishy. 
I called HSBC and they did a search under my SS # and have no record of me at all. 
They threatened me that if I didn't pay I would have to take it up with the judge. 
I never received any certified letters at all from them witch is probably the first step to recover a debt i'm sure. I was very close to paying a {$1300.00} settlement when I decided to check to see if the debt was real because I never recall having a HSBC credit card.
Consumer complaint received 2018-07-18
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. (KY)

I have several hard Inquires on the XXXX credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my TransUnion XXXX XX/XX/XXXX
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, my name is XXXX XXXX. As I've gone through the accounts and collections listed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. 
Thank you
Consumer complaint received 2021-09-21
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. (NV)

Tried several times to dispute several inaccurate and fraudulent accounts from XXXX XXXX XXXX XXXX, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue. 

These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with this company.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX, Synchrony Bank Credit Card closed the following credit cards with XXXX balances. The cards were the " Discount Tire '', " Conns '' and " XXXX XXXX ''. To my knowledge, none of the cards were ever delinquent. I received notice that the accounts were being closed based on information obtained from XXXX. According to the notice, the accounts were being closed because either high balance to credit limit, or delinquent status, or to many revolving accounts with high balances. 

The company made no attempt to contact me to gain an understanding of my financial situation. 

I find the Synchrony 's actions to borderline on XXXX and immoral, I base the statement on the fact we are coming-off a pandemic year and instead of working with an XXXX to address the need or to understand the needs, the CEO choose to close the accounts in a segment of the population that probably needs assistance.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (GA)

XXXX XXXX XXXX XXXX was apparently bought out by Citibank. For SEVEN weeks we had no access to the account, nothing, no statement, no online access etc. Apparently none of the payment information transferred over where we had the account set up for auto pay monthly but NO one advised us of this and we weren't sent a new card in the mail to date. The new card will have a new number so there is no way to check on payments or get in the system to check on anything. I have been receiving collections calls from Citibank regarding payments I didn't make, except it is THEIR problem. The collections agent tried to collect for TWO months, even though the 2nd payment isn't due until XX/XX/18. I was then transferred to his supervisor since I am unwilling to pay a higher monthly payment that is high through XXXX and Citibank error and NO error of ours. XXXX employee number XXXX became condescending and nasty and attempted numerous times by PUSHING for a payment that isn't due until XX/XX/XXXX. I set up a payment for XX/XX/XXXX for a little more than the normal monthly payment but am still being harassed for a payment that is almost {$30.00} more than is due because of their late fee that they will only take off of the total balance but are still trying to collect on the front end. I was called via robocall at my place of employment to collect on something that was " late '' through no fault of my own. I believe I am due for these calls and treatment. They won't even send a NEW card at this point until I pay what they say as due but I have no ACCESS to my account. So I am filing for their unethical collections practices.
Consumer complaint received 2021-04-06
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 (KY)

On XX/XX/2020 I purchased online from XXXX on her XXXX page a full body silicone doll for {$2500.00}. XXXX XXXX is a world known XXXX XXXX and when she asked me to use PayPal credit family and friends through Synchrony Bank I saw no reason to question this, but unfortunately I found out this person is a imposter and their is no doll. 
I filed a complaint with Synchrony Bank and my case was denied sighting the reason is that I entered into this binding agreement. On XX/XX/2020 I appealed this decision and provided proof and was again denied for the same reason. I thought I was buying from XXXX XXXX why would I buy something from an imposter. This person has pretended to be PayPal in a email to me to intimidate me and has contacted me pretending to be other people. I have not received any doll.
Consumer complaint received 2019-03-08
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: Innovative Funding Services, L.L.C. (GA)

Went on XXXX XXXX and saw this company offering a better rate for my car loan. The offer was to lower my interest rate and monthly payments based on my credit score. I filled out the information needed and the company stated a soft credit check will be made. The company guaranteed A better rate so I agreed for them to do a hard inquiry on my credit. I received an email from the company Saying a agent will call with the good news. The agent did call me and the offer was not what I sign up for the interest rate was higher and the payments doubled. I went from 72 month lease to a 48. Now I have a hard Inquiry on my credit report. I called the main office of the company and XXXX with a supervisor. Told him the situation and he said he will call me on Monday he never called me and now I have a bad report on my credit I would have never allowed them to check my credit knowing that the offer would be worse. They promised a better rate and lower payment that never happened