davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX  /Cbna XXXX I have tried to call this company four times and i can not speak to anyone. I have also tried calling Citibank Cbna and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

i have called credit control for 4 months to no satisfaction. they keep offering a settlement and demand a one time payment for this settlement which they understand is not possible. they then offer terms on the full amount which is not fair and discriminatory. 
they are in fact not wanting to settle and then start repeating, offensively there demands. 
they are not open to any discussion but their stipulated terms.
Consumer complaint received 2020-01-24
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. (FL)

I have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I started to receive letters from Midland Credit a couple months back for a said amount of {$1400.00} that they claim I owe. I sent them a Debit Validation letter via certified mail on XX/XX/2020 to ask them to please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

I mailed it out to the address that they have on file that says to mail any kinds of disputes there, which according to them is located in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX. I received the return slip that certified mail is sent out with and returned with a signature by XXXX XXXX showing that they indeed did receive my letter but they have not answered me with the information I requested to validate this said debt. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).
Consumer complaint received 2023-03-10
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} XX/XX/XXXX
Consumer complaint received 2019-09-27
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: Experian Information Solutions Inc. (NC)

IamtryingtoapplyforamortgagebutXXXX,XXXXandExperianwerenotreportingmyscore.DidsomeresearchandfoundoutthatIneedtocontacteachoneandaskthemtoremove"DisputeComments''sincethedisputewasalreadyclosedwithmyvisawhichIhada30daylatepaymentinXX/XX/2017.IwasabletofixthiswithXXXXandXXXXBUTcannotdoanythingwithExperian.WhenIgoonlineIgetascreenthatstates"DisputeCantbeprocessedonline''PleasecallXXXX.Ihavebeencallingthatnumberwhichisonlyarecordingwithmenu'sandthenhangsup.IhaveXXXXallnumbersandhavebeentryingtocallthereforweeks.ItsfrustratingbecausethereisnothingIcandoandnowaytogetintouchwithanyone.Thereisnotchatsystemorevenanemailwheretosendaletter.Howcanthiscompanycompletelyruinmycreditlikethiswithoutprovidinganyoptionstofixit????
Consumer complaint received 2020-01-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc. (NM)

I have repeatedly told this debt collector to stop contacting me let this is harassment they still try to call me. I have reported the harassment to law enforcement please see the attached police reports. I also told them that I'm on the federal do not call list. The company has been spoofing their number
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NY)

As a victim of identify theft, there was an account opened under my name with a creditor. I have for more than several months doing all things possible to rectify this situation with the original creditor. After being unsuccessful in those attempts, the original creditor sold this alleged debt to MRS BPO to collect on this debt that has resulted from fraud.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I made a transfer to a relative in XXXX, the banker official ( inexperienced in the matter ) did not match the account numbers of the intermediary bank and those of my relative 's account. 
The next day I went to the bank to request information, they said they would call me, the XXXXnager of the branch does not explain clearly what solution he can give me, I have already been four times, and the terrible attention of the manager and the poor quality of the The service has been constant, the documents issued by the official show an amount of money much lower than the value debited from my account, the dates are from XXXX, it does not accept that errors were made in the execution of the shipment I have called customer service, emailed the general manager of customer service, went to another branch ( despite the good disposition and kindness ) and I do not get a clear answer about my money.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX  XXXX XXXX XXXX XXXX and still no response.
Consumer complaint received 2021-02-04
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. (CA)

I wrote to XXXX ( formerly known as XXXX XXXX at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/XXXX credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both XXXX  and Transunion on XX/XX/XXXX and never received a response. 

Please investigate.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCP Holdings, L.P. (TX)

i asked for detailed information with my signature etc, i have still not received any documents, and company continues to call me and my job on a regular basis after i asked them to send me information about this and to stop calling my job, and send me the information to my home address
Consumer complaint received 2022-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. 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 erroneous information that needs to be investigated and delete : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-01-13
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: Possible Financial Inc (FL)

After going over my monthly credit report analysis and maintenance I noticed a account had been opened under my name without my knowledge or consent which may have been a result of an information data breach, I have tried solving this issue with XXXX but the online dispute center did not have the proper options to help me properly. The Account is a " Possible Finance '' Account # XXXX is the amount of {$600.00}.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DE)

My savings accounts were frozen for one week early in XX/XX/2024 caused a payment to bounce and did not have any notice by phone or by text or by email and when I logged into my account online saw no issues noted on screen a letter was sent to me last week but XXXX was unable to deliver that letter so I request it be sent by XXXX regular mail. 
This issue caused me headaches with my landlord and would like to talk to some higher up in management @ XXXX or XXXX
Consumer complaint received 2021-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

Upon calling I informed them that any medical debts that I had were covered under insurance and had no record of this debt, they would not send me documents with my signature that I agreed to pay this amount nor would they verify that I signed any contract for this
Consumer complaint received 2018-02-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (VA)

Graduated from XXXX XXXX XX/XX/XXXX. 
Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XXXX GI BILL. 
For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? 

Lived on and came across Navient looking to collect same debt, then again a year later XXXX looking to obtain this obscene amount of money. 

Sent message today to complain to FSA. 



After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XX/XX/XXXX GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XX/XX/XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. 



XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. 
Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.
Consumer complaint received 2021-06-02
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. (TX)

XXXXXXXX XXXX account with an outstanding balance of {$980.00} not reporting accurately across the three bureaus after multiple disputes have been opened. The account continues to come back verified but the information being reported does not align across all three bureaus nor does it align with what the original creditor supplied with billing statements as well as their own response to an inquiry.
Consumer complaint received 2020-01-24
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)

I have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2018-02-12
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: DISCOVER BANK (TX)

Since signing up with XXXX XXXX last XX/XX/2017, I have come to realize that after paying XXXX XXXX {$2000.00} I have been defrauded of my money, because I was NOT provided the service as was described to me, that is the reason for this dispute! 

It is my belief that not only was I was taken advantage of because I was gullible and older and couldnt remember that way they could. But that he knowingly sold me services under false pretenses. 

I saw a XXXX ad about opening an online store, I decided to check it out, thinking it would be a good way to make money since I am no longer able to hold down a job due to my physical problems. I later received a high-pressure sales call from a representative. He talked about a Blog content and Custom Logo, to establish my online e-commerce business. 

I quickly explained I hadnt any money, he asked if my credit was good and talked me into obtaining more credit cards to pay the {$2000.00} he was asking for. I have not made any money and now I am left with severe credit card debt that I cant afford to pay back. 

I read an article from the FTC about their ongoing investigation with companies such as this one. Please help me get my money back from this company.
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems (GA)

FINANCIAL DATA SYSTEMS is attempting to collect 2 fraudulent debts that do not belong to me and were opened as a result of identity theft. I have contacted this company and made them aware that this was fraud, however they continue to attempt to collect these fraudulent accounts. The partial fraudulent account numbers listed on my credit file are XXXX and XXXX. I have been a victim of identity theft and have provided a copy of my police report to XXXX XXXX and they continue to report these fraudulent accounts. These are not my accounts and I live in XXXX GA and have never lived in South Carolina. These ACCOUNTS ARE FRAUDULENT.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

My Social Security Number XXXX has been compromised, and someone fraudulently applied for a credit card with XXXX XXXXCBNA using my identity. Furthermore, I want to highlight that I was not present in the USA at the time of the application, as I resided in XXXX until XX/XX/XXXX. I can provide my immigration papers ( XXXX Form ) as evidence, stating the date of my arrival in the USA. Please find them attached for your reference.
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (GA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Prior to the COVID - 19 pandemic I scheduled and paid for a vacation XXXX XXXX cruise ) for the year XXXX using my Capital One credit card. I paid the card off in full for the trip. Unfortunately, due to the COVID XXXX pandemic the trip had to be cancelled. The cruise line did reimburse my Capital One XXXX XXXX XXXX XXXX credit card. Since I already had paid the trip off on the credit card it left me with a credit owed to me. I rescheduled another trip ( resort in XXXX XXXX in the year XX/XX/XXXX but once again the trip had to be cancelled due to COVID. My credit card had been reimbursed from the resort and again I had a credit owed to me. In the meantime, I was using the credit card for small purchases which brought the credit owed back to me down to {$700.00}. I noticed on my statement that the credit was no longer there. I reached out to Capital One customer service and the representative that I spoke with explained to me that the system automatically generates a check out to the consumer. I explained to her that I never received a check. After a brief hold the rep. checked the status of the check and saw that it had not been cashed and said that they had to put a stop payment on that check and then they would issue another check. She said it would take about 15days. I waited, but again, still no check. I called back and explained the situation again and they did the same process, put a stop payment on the first check and sent out another one. Still no check. I called back and spoke with a Supervisor. After looking into the matter the Supervisor said they would credit the money via ACH of the {$700.00} to my bank account and that they first had to put a stop payment on the second check and would issue the funds into my account ( via ACH ). It would take approx 5 days. About 10 days ( give or take ) later still no funds. I again called Capital One and asked to speak to a Supervisor again XXXX XXXX XXXX and she too said that she doesn't know why they haven't returned the money back to me but that they would issue the ACH funds back to my bank. I still have not received the funds. This has been going on since approximately XX/XX/XXXX to present XXXX XXXX to XX/XX/XXXX ). I am at my wits end. This can not be right that Capital One can just keep my money. Please help!!!
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have a linked savings and checking accounts with Wells Fargo. 

I had {$3300.00} in my checking account and {$3200.00} in savings. Checks for XXXX and XXXX went through the checking account and Wells Fargo charged me a {$35.00} " insufficient funds '' fee and did not transfer funds from the linked savings account. 

Since it hardly costs {$35.00} to transfer money from one account to another, this seems like an illegal charge.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NV)

Opened a credit card with Apple at the Goldman Sachs Bank. 
Decided I don't want it paid off the amount in full and cancelled the card on XX/XX/2021. 
To date Goldman Sachs bank has not provided the necessary information to all the credit reporting companies with the correct information and my balance which was paid in full is shown on my credit as not paid. I have had numerous phone calls to the bank with nothing but excuses. I have disputed the problem with XXXX  but they have no resolve with the bank.