davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus XXXX, Transunion and XXXX trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.
Consumer complaint received 2020-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I have a transaction on my savings account with Citibank that says " Other Withdrawal '' for {$16000.00} on XX/XX/2019. I did not do this transaction. Citibank refuses to tell me ANY details about the transaction. I'm not even sure if the charge is being disputed or investigated. I've been bounced around on the phone several times. I will go in sequential order 1 ) In early called citibank to find out why they are closing my account. They said there was a fraud issue and that they would close the account and mail me the funds if I verified my address. I verified my address and they mailed me a check for only {$1600.00}. This was the money that was in the checkings account. They did not mail me the money from the savings account. 

2 ) Upon receipt of the check i called back again and asked them where is the savings account money? They told me it was going to come in a separate check. That check never came. 

3 ) On XX/XX/2019 I called Citibank back and they still refuse to tell me what is going on with this transaction. How did this transaction happen, when, where, what is it? Where did the money go? No answers. 

Citibank has my money in limbo. I want to know what is going on. Please note the following : Citibank never contacted me to inform me of ANY of this proactively. No email. No text. No phone call. I had to find out on my own by trying to access my account.
Consumer complaint received 2020-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IN)

On XX/XX/XXXX a Saving Account and a Checking account were opened with Citi Bank. Within 150 days waiting period I was to receive a {$400.00} and a {$100.00} signing bonus. On XX/XX/XXXX 150 days have passed and I have NOT received the bonus. Multiple phone calls to CitiBank have not resolved this issue.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (VA)

I leased a vehicle from XXXX XXXX and turned in the vehicle on XXXX XXXX and purchased a new vehicle the same day. They took possesion of the old car ( XXXX ) with the original license plates and my new car got new plates from dealership. 

A year an have later, I received notice from the credit bureaus that I had an outstanding debt from GM Financials -- the lessor. When I contacted them, they said there were property taxes due for XXXX, which I didn't have possession for. They asked me to send confirmation that the dealer took possession of the vehicle on XX/XX/XXXX and I emailed the documentation on XX/XX/XXXX. I continue to receive calls and have this listed on my credit reports. 

On DMV 's website it indicates-If the lessee relinquishes the leased vehicle at lease terminaation, the lessee has no further obligation to DMV regarding this vehicle. Any actions regarding the vehicle after relinquishment are the sole responsibility of the lessor. 
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Consumer complaint received 2022-01-12
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: ENCORE CAPITAL GROUP INC. (TX)

The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full
Consumer complaint received 2021-06-07
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: Porania, LLC (NY)

I have this accounts that i want to remove from the 3 credit reporting agencies as they does not belong to me. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MO)

This account was opened for XXXX care on XX/XX/XXXX. I had subsequent appointments but never received a bill until after XX/XX/XXXX with an attached late payment due. Immediately following with mass texts and mass calls from automated # 's. And furthermore, they sent the bill ( after 3 months ) to my daughters address which is 300 miles away and not the address that I gave them for billing. Obviously, if that wasn't my daughters address, I would have never received a bill and would be in serious arrears because of an error on their part. I called a # on the bill when my daughter sent it to me on XX/XX/XXXX ... XXXX, talked to a woman who told me that the text and calls are not from her company, but as soon as I hang up and think the problem is resolved, they are calling and texting again. Today i received more than 6 calls and 2 texts. This company says it is XXXX XXXX but does business as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XX/XX/XXXX
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both Portfolio Recovery and XXXX  XXXX XXXX in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. 
The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? 
FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Portfolio Recovery Associates, LLC or XXXX XXXX XXXX the alleged amount owed.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (AZ)

Original Creditor XXXX XXXX apparently forwarded an amount of {$270.00} to Receivables Performance Management as an outstanding amount due. I noticed the amount on my credit report in XXXX and paid it immediately by calling XXXX XXXX. XXXX XXXX has contacted Receivables Performance Management and told them that this account needs pulled back from my credit report because they agree they do not have the right mailing address and I never received notice. Receivables Performance Management has not deleted this even though they've received emails from XXXX XXXX and from myself with XXXX XXXX 's email. Attempts have been made from XX/XX/21 up to and including this morning XX/XX/21.
Consumer complaint received 2022-04-29
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)

In accordance with the Fair Credit Reporting act XXXX 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 2021-11-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am filing the complaint against XXXX, XXXX, TRANSUNION because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

I received an income execution from the Supreme Court of the State of New York County of XXXX. The creditors are Midland Funding. At no time did I receive any warning or was I ever notified that I was being taken to court for this. I had no prior notice of this until I was sent the income execution in the mail. Further more, I went on to can you help methe Midland Funding website to check the bill and I see payments have been paid on this account as recently as XXXX of XXXX. I did not make these payments as I did not know about this outstanding bill from XXXX. I never received notice of their intent to sue. Furthermore I am asking for a fraud packet and am getting a run around. Can you please help me?
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i am disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had annitially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong. I was angry that they did not file the paperwork properly. I filed a new dispute and had to wait another 10days. It had seemed that every person who i spoke to during thus whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regurds to my dispute. I have cought them in lies and deceptive behaviour a number of times.
Consumer complaint received 2021-06-07
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: Porania, LLC (FL)

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

IQ data contacted us via phone and mail regarding a debt we are currently disputing with a rental agency that grievously violated the lease so we vacated after trying to resolve the matter. 
We notified IQ through Certified Mail in XXXX that we were disputing the debt and per the Fair Debt Collections Act to only contact us via mail, not phone. They continued to call and harass us after the Certified Mail and have shown no proof of investigating the debt.
Consumer complaint received 2021-11-09
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. (FL)

You are reporting the below accounts with a past due balance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 

- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America ( Credit Card ) was notified of my hardship shortly after being laid off from work on XX/XX/XXXX. Month after month Bank of America continued to insist that only my full monthly payment ( {$450.00} ) was to be accepted. I emphasized my hardship being unemployed however I mentioned to them that I could make smaller payments to maintain some degree of repayment. Their reps would only ask if I had someone I could borrow money for payments. At one point I even mentioned I could make half the payment at {$200.00}, but they didn't take it over the phone. I stated to them that there are FFIEC Uniform Retail Credit Classification Policies and Guidelines which address financial hardships and provide the flexibility to restructure the debt to maintain repayment in light of a hardship. Please see below as it is a section of that very same policy that financial institutions must follow. There was no need to charge off my account and destroy my credit rating as I have maintained a FICO score of over 750 for 20+ years, and more so given my excellent repayment history with BOA since being a customer in XXXX. I showed a willingness to discuss a workout option to continue payments. I spoke to an agent three days prior to being charged off and they never stated a payment had to be received by a certain time to avoid charge off. They can listen to that recorded call as well. I called at the end of the month one evening to make a payment but they said it was too late as payment should have been made earlier in the day. 

FFIEC Uniform Retail Credit Classification Policies and Guidelines Re-Aging, Extensions, Deferrals, Renewals, and Rewrites Re-aging of open-end accounts, and extensions, deferrals, renewals, and rewrites of closed-end loans can be used to help borrowers overcome temporary financial difficulties, such as loss of job, medical emergency, or change in family circumstances like loss of a family member. A permissive policy on reagings, extensions, deferrals, renewals, or rewrites can cloud the true performance and delinquency status of the portfolio. However, prudent use is acceptable when it is based on a renewed willingness and ability to repay the loan, and when it is structured and controlled in accordance with sound internal policies.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Yes Hard Inquiries have been addressed with the 3 major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, 2015, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (CO)

I had a membership at XXXX and cancelled during the peak of the pandemic in XXXX XXXX after cancelling the membership XXXX from XXXX called me and said my membership was NOT cancelled and I needed to cancel in person. This was during COVID and XXXX was closed due to the pandemic. They would not allow me to cancel via email of phone call. Then XXXX called me again and said that they would be charging the membership fees monthly even though the gym was closed and that i was also accumulating fees due to non payment, I reminded him of the global pandemic and he didn't really seem to think this was an issue. I asked where do i need to go in person to resolve this? XXXX didn't have an answer and just said they were going to continue to charge me. So I called my bank and said do not allow XXXX to take any money from my account and they stopped all charges. I didn't receive any more phone calls and then received a letter from Aldous and Assoc. on XX/XX/2022 who have been calling and threatening me regarding my credit and saying they were going to ding my good credit. They also would get angry and then hang up on me. I think XXXX are criminals and Aldous and Assoc are their Thugs and have been insufferable. i have read on the XXXX  website i am not alone in this scheme of theirs to collect money during the pandemic My {$69.00} is now a {$1200.00} .... BIG Difference!!
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

There. Was. And. Is. A. Fraud. Charge. Transaction. That. BofA. REfuses. To. Help. To. Resolve. Issue. And. Credit. My. Acount. With. Reference. To. These. Fraud. Charges?
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The account listed as past due with XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

My account is locked and have not received a reason why. I reloaded my card as I usually do and when I kept trying to get into my account via the Serve app it kept saying basically that my Password and Username is incorrect. So I kept trying to change it to no avail because I knew that my Password and or Username was correct and couldnt understand why this was happening. So I called Serve Card Customer Service and had spoken with the Representative and had gotten of the call with XXXX at XXXX XXXX XXXX said Said that she will send it to the back office and make it urgent. They will start working on it within the next few minutes. XXXX said that they may send an confirmation via email and if they dont just call back. She said that they locked my account. I asked her why and she said she didnt know. It was no reason for my account to be locked because I reloaded it tonights s I had always done and there was no problem. So I had called back and had Spoken with XXXX @ XXXX XXXX. when the call was ended. He said that the account should be unlocked within 24 hours. He said they didnt list a reason why the account was locked. So here I am the next day without my funds being made available to me for absolutely no reason at all. Some months back I had decided to go with American Express Serve due to the good reviews and was having no problems. Now I see how they take your money and hold onto your money for no reason at all. This is an absolutely horrendous experience and no one from American Express Serve is giving me any answers or telling me why this has occurred! All I know is that I went to the store handed over my money to the Cashier and reloaded my card and now Im not able to use it because American Express Serve has mad my funds inaccessible. This is absolutely ludicrous and I am asking for my money to be made available to me and I feel that what Im asking for is just and fair. I was very happy using the American Express Serve Card until this incident happened last night onXX/XX/2020. Im not asking for much ... I only want to be able to pay bills and to be able to cover my basic expenses. I am just desperately asking to be helped in this situation and would be so grateful and thankful to have this issue resolved. Thank you.