davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (NC)

I've been communicating with XXXX XXXX about a Line of Credit that I used to have with the bank. That Line of credit is now charged off. On XX/XX/XXXX of 2021 I called their customer service with the attempt to Settle this account. The customer service representative from XXXX XXXX told me they don't settle debts but that I can call their collection company called TRS. She provided this information but at the same time couldn't provide me a phone number or address to such business. 

I then contacted TRS via telephone that same afternoon of the XXXX and spoke to XXXX XXXX. She did confirm the debt and the amount owed. I asked them how come they never tried to contact me in regards to this debt and she claimed the company did however I have never received any correspondence from them. 

XXXX also told me of a settlement offer on the account in the amount of {$1100.00}. Original amount owed is {$1500.00}. She stated they were to send a letter that same day with the settlement and that I can pay over the phone. I went ahead and made the payment to settle the account over the phone with her using my debit card. 

On Wednesday the XXXX of XXXX I then contacted TRS again just to make sure that the settlement had been reported to XXXX and this is where the problem started. At first, they kept hanging up on me and telling me there is no settlement on this account. Other representative would take my name and phone number with the promise of having a supervisor by the name of XXXX XXXX call me back. No call has been received. 

I also have contacted XXXX XXXX branches just to make sure this wasn't a scam and at first the branches had no idea who TRS is and how they are related to them. I had to then escalate at a branch in XXXX, NC and a manager finally was able to dig some information and told me TRS does handle their collection accounts but no settlement can be offered. 

I feel like I was deceived by both XXXX XXXX and TRS into believing that I was settling this debt when I am really now. Also, the " connection '' or " relationship '' between XXXX XXXX and TRS needs to be more clear to its customers. It is deceiving and confusing, even to its employees.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I'm emailing you because my credit report contains inaccurate information. Regarding this, I've written to XXXX, TRANSUNION, and XXXX. Well, none of them try to fix the situation in any way. As additional identification, I provided them a copy of my passport and my social security card. 

Please assist me in finding a solution. I've been under a lot of stress because of this issue. 


Best wishes, XXXX XXXX
Consumer complaint received 2018-04-29
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: MARINER FINANCE, LLC (PA)

I was a victim of identity theft. In XX/XX/2017, Mariner Finance made a loan of greater than {$5000.00} in my name to a person who impersonated me. After I was notified that I had a delinquent account with Mariner Finance, I filed an affidavit with them explaining the situation ( with a police report ) and have been told for months that they are investigating the situation. However, they continue to tell the credit reporting companies that the loan is delinquent which is hurting my credit score. Every time I e-mail and call, they say it will be fixed shortly but it has not. It has been more than 6 months at this time.
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX I placed an order with XXXX ( Order # XXXX XXXX for {$210.00}. 
Unfortunately, the item was received damaged and XXXX issued a return. They claim to initiated a refund on XX/XX/XXXX to my original source of payment, which was my debit card issued by Chase. 

On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 
So since the refund was issued after the account was closed, Chase claims that they would not be able to locate the refund and issue a credit. XXXX claims that Chase would be able to do that. 

After making several phone calls to both companies, both reps and supervisors on both ends kept point fingers at who would be responsible for issuing me a check refund. I even had supervisors from both companies conference in two times and they could n't agree on how the refund will be issued.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IN)

Citibank is making law-abiding gun owners, who have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups targets by denying them services simply for exercising their rights under the U.S. Constitution and laws. 

These efforts create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business because of their purchasing or using legal firearms dealers or suppliers for their personal use. 

Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. 

No American should be treated as a scapegoat for someone elses crimes by denying them credit or use of their credit to legally purchase firearms for which they are legally entitled.
Consumer complaint received 2017-06-05
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: Experian Information Solutions Inc. (WI)

1 )   XXXX   XXXX  is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.    2 ) In quires not authorized by me are on my file and should be removed and have not been removed.    3 )  Disputed accounts have not been removed after the 30 day limit to respond by the creditors Thank You  XXXX   XXXX
Consumer complaint received 2023-07-31
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: General Motors Financial Company, Inc. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for purpose. 

Credit company Gm financial
Consumer complaint received 2020-07-21
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. (TX)

FTC Violations XXXX XXXX {$810.00} XXXX {$20000.00} XXXX {$1700.00} XXXX XXXX 's {$270.00} XXXX  {$1300.00} XXXX XXXX {$520.00} XXXX  {$840.00} XXXX   consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ).
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.
Consumer complaint received 2022-09-13
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. (NC)

XXXX XXXX XXXX XXXXXXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2020-08-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mother passed away in XX/XX/XXXX, while I was still a minor, of 9 years of age. This has proven to be detrimental in the quality of life Ive had there after. She worked since XX/XX/XXXX to XX/XX/XXXX with full employee benefits, retirement and life insurance, Where I believe I was the only beneficiary, but as a minor, I had no voice and my future was in the hands of family. To my knowledge the court placed the life insurance in a CD that I would be penalized should I have withdrawn ahead of time, which I did, however received no penalty. My aunt was a personal banker at the same Bank of a America branch off XXXX XXXX in XXXX Ca and she handled all of my families banking needs. Including my inheritance. In XXXX, I had an urgent need to make my first withdraw, and by XXXX the approximate XXXX balance was completely gone, my aunt retired early due to the stress on the job and now in XXXX when I am wanting documented records of the XXXX, names, dates and withdrawals, the bank has no records of it. 
My problem is, how is it not a policy against Family members having access to families financial needs? Theres companies such as XXXX XXXX who will not allow even relatives to be employed together, how does Banknof America allow this?
Consumer complaint received 2018-07-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MA)

I bought my truck lease out with GM Financial on XX/XX/2018. They gave me a payoff, I sent them a check and they sent me my title. They sent me a letter acknowledging my lease is paid in full. They are now billing me {$210.00} for a tax that has nothing to do with me. I have called them several times to get this resolved. They have admitted to the error and promised fix it. This has not been done, now not only has the bill gone to {$420.00} ( dated XX/XX/2018 ). This is effecting my credit from all three agencies. I am unable to get credit due to this issue. The people in customer support promised this would never get to a reporting agency.
Consumer complaint received 2020-07-21
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. (MI)

I turned in my lease a year ago. 

this is still showing as active on my credit report. I am trying to purchase a house and this debt is inhibiting me from being able to purchase I called to make sure that I was closed out. They confirmed i was closed with a {$0.00} balance. It is showing on my credit report as still open at all 3 bureau and that I have a balance of {$23.00}.
Consumer complaint received 2020-07-21
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. (TX)

FTC Violations XXXX XXXX {$810.00} XXXX {$20000.00} XXXX {$1700.00} XXXX XXXX 's {$270.00} XXXX  {$1300.00} XXXX XXXX {$520.00} XXXX  {$840.00} XXXX   consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million  worth of outstanding loan payments. It also agreed to pay {$7.00} million  to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ).
Consumer complaint received 2017-06-05
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. (WI)

1 ) Trans u nion is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.     2 ) Inquires not authorized by me are on my file and should be removed and have not been removed.
3 ) Dis  puted accounts have not been removed after the 30 day limit to respond by the creditors Thank You  XXXX   XXXX
Consumer complaint received 2022-09-13
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. (FL)

In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXXDELETED dated on XX/XX/2022 In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXX I, XXXX XXXX XXXX XXXX, am demanding TransUnion LLC to DELETE XXXX XXXX from my Consumer Report immediately as it is inaccurate information. 

For any noncompliance, TransUnion LLC will be fined pursuant to 15 USC 1681n, 15 USC 1681o with Prejudice!
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

Medicredit, Inc is attempting to collect an alleged debt attributed to me by XXXX XXXX XXXX XXXX XXXX. Account # XXXX, date of service XX/XX/2020, {$220.00}. This debt does not belong to me. 

I have asked Medicredit to provide me documentation for my review which establishes the account as mine. Ideally, this would include my dated signature, a receipt of the goods or services provided, and a copy of my identification. I have written to Medicredit to formally dispute this debt and request this documentation -- it has not been provided. I have requested Medicredit to discontinue attempts to contact me by telephone, but I still routinely receive auto-dialed calls and requests to communicate by telephone. I have asked Medicredit to report the debt as unverified and disputed, but credit reports do not show the disputed nature of the debt.
Consumer complaint received 2017-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (MI)

I recently had a lease vehicle repossessed by   XXXX   XXXX   XXXX   out of  XXXX , MI. The fellow who repossessed the vehicle stated he knew my nephew and such. I was cooperative and was not at all angry. I did today receive news that this agent went to my nephew and told him he had repossessed my truck and was looking for my wife 's truck. My property is posted no trespassing which he violated as well. My problem with them is that they violated my privacy by telling my personal business to people. What is my options for recourse with this agent and company?
Consumer complaint received 2021-09-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I filed an disputue off my credit report reguardsing the incorrect information on my credit report. it has been well over 30 days and i havent got any investigation results.
Consumer complaint received 2020-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I was away from my main home and living in XXXX XXXX due to COVID-19 local government lockdowns, thus I did not receive any paper statements regarding my {$100.00} balance owed and was completely unaware of this purchase. 
After lockdown easing, I returned home and immediately after seeing a pile of Macys statements. I called Macys to resolve this issue. 
I paid off the balance via a last minute offer made by an agent who stated once the payment is made, the negative items on my credit report will be removed. 

I was told by several Macys representatives that if I pay my balance that the negative items reported on my credit report would be removed. However it was never removed as promised. I was then transferred to several different agents. After making the payment, they stated that they no longer have access to my account, and can not make any modification. And told me that Im unable to speak with the macys credit report department, and I must write a letter instead. 

I wrote a letter, and called to speak with Macys executive office. I spoke to a gentleman who denied my request to have these negative information removed. 

He did not list specific reasons, only that it was denied. I pressed for a reason and was not given any to understand why it was denied.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation
Consumer complaint received 2020-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (DC)

I noticed today that over the course of four months ( XXXX, XXXX, XXXX, XXXX 2015 ) my bank account was debited {$40.00} each month by XXXX. The debits appeared on my bank account statement as " XXXX WEB PMTS '' and " XXXX WEB PMTS '' A quick search through Google shows that other individuals have been scammed by the same entity. A call to the number listed for the company goes only to a voicemail account. The company website lists a location at XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX. However, many online have noted that this is likely a scam originating from outside of the United States. I filed a claim with my bank and they are investigating. However, the source of this scam needs to be found and stopped. An alert should be sent to US financial institutions. I imagine that because the amounts are relatively small there are a number of these fraudulent debits that are going unnoticed. Because I just noticed this activity, I am not able to receive a credit for the first debit that occurred in XXXX 2015. This needs to be stopped before it happens to more people.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC (NJ)

About XX/XX/2021 I received by mail the Letter from Receivable Collection on Services, LLC ( Collector ) dated XX/XX/2021 with information that I have a debt {$410.00}. 
In order to verify the validity of the debt I sent the dispute letter against this action and demanded the additional evidence ( by fax number appeared on the Collector 's letter ). 
The Collector must verify the debt in case they have a dispute and inform me. However the Collector ignored the rules and violated my rights reporting Credit Bureaus ( at least XXXX  I'm sure ) the disputed collection. This report harmed my credit score and credit history. 
The Collector failed to comply with the FDCPA law and abuse his power trying to collect the debt against the rules. 
All letters attached.