davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WA)

Savings accounts I opened in XXXX for my then minor sons for their college funds have been charged for monthly service fees for " inactivity ''. I discovered this when trying to withdraw funds for their college. The accounts had {$2000.00} when opened, they now have {$1500.00} and {$780.00}. First Interstate Bank manager XXXX XXXX has offered to refund 9 months ' fees stating " It looks like the accounts went dormant XX/XX/XXXX. This means there was 18 months of charges for each account '', however, I know this is not true since the funds have been untouched by my sons and me except for a withdraw made by one of my sons for approx. {$300.00} in XX/XX/XXXX and a couple of deposit made by me when I could afford it. I am trying to get a printout prior to the 18-month printout I was able to get from a teller in the XXXX XXXX, which was as far back of record they keep at the branch level. In one email Mr. XXXX said he could get the printout further back but they would have to charge me for it. The next email from him ignored the request I had made about getting printouts. I don't think he is being honest with me.
Consumer complaint received 2018-02-04
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. (SC)

I have informed all three agencies that I have been a victim of id theft and requested that the items be deleted with no result I have even given the name of the suspect. one company, XXXX even has the same item listed twice.
Consumer complaint received 2019-08-21
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: Ballybunion Enterprises, Inc (NC)

Freedom acceptance corp continues to report fraudulent information to my credit report. They say I opened a account with them XX/XX/XXXX which is incorrect. They keep changing dates to keep this incorrect info on my report. They also are reporting false payments to keep the account on my credit file. They stated I made a payment to them on XXXX XXXX XXXX. I have NEVER made a payment to this company amd I have NEVRER open an account with them. They refuse to give me any information. They are known for doing this illegal type of practice. They had a lawsuit filed against them in XXXX by the VA Attorney General for the same exact thing but yet they continue to practice these illegal practices.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST FINANCIAL BANCORP (OH)

ON XX/XX/XXXX I WENT TOFIRST FINACIAL BANK THE BRANCH I BANK WITH AND WITHDRAWLED SOME MONEY OUT OF MY CHECKING ACCOUNT BECAUSE I WAS LEAVING ON XX/XX/XXXX TO GO ON VACATION WITH MY FAMILY I AT THAT TIME TOLD TELLER TO MAKE NOTE I WOULD BE TRAVELING THRU KENTUCKY TENNESEE AND VIRGINIA AND NORTH AND SOUTH CAROLINA IF CARD WAS NEEDED TO BE USED ON XX/XX/XXXX I RECIEVED A TEXT MESSAGE ABOUT MY CHECKING ACCOUNT I IMMEDIATELY CALLED THE 1866 NUMBER TO SEE WHAT WAS GOING ON AT THAT TIME I WAS TRANSFERRED TO MY BRANCHAND TOLD I WITHDRAWLED OVER XXXX SOME DOLLARS WHICH BY FAR WAS NOT TRUE I NUMBER ONE WAS NOT ANYWHERE NEAR TEXAS WHERE THESE CHECKS WAS FROM THE BANK MANAGER WAS VERY RUDE ON THE PHONE TO ME ACTED AS IF I WAS IN THE WRONG I WAS TOLD TO FILE POLICE REORT AS SOON AS I RETURNED ON XX/XX/XXXX I DID THAT THE SAME MORNING I WENT TO MY BRANCH AND WAS TREATED THE SAME WAY WHEN CLEARLY I WAS A VICTIM OF IDENITY THEFT FROM THAT DAY ON I HAVE HAD NO ASSISTANCE THRU BANK NO CALLS NOTHING LETTING E KNOW WHATS GOING ON ALSO I HAVE XXXX BEING KEPT FROM ME FIRST IT WAS TO INVESTIGATE NOW ITS THE BANKS TO KEEP BECAUSE I WAS OVERDRAWLED I CALLED ON XX/XX/XXXX AND WAS ASKING QUESTIONS GOT TOLD 3 DIFFERENT VERSIONS WAS TOLD MY MONEY STILL WASNT AVAILABLE AND WAS THERES AND AFTER I HAD TO CUT HER OFF AND TELL HER THE VIDEOS SHE HAD OF ME AT BANK WAS MY MONEY I WITHDRWLN THESE CHECKS WAS DONE THRU ONLINE BANKING MOBILE BANKING I DO NOT UNDERSTAND HOW A BANK CAN ALLOW 3 CHECKS TO GO THRU THAT DO NOT EXISTS ANYWHERE AND HOW THEY DIDNT STOP THEM BEFORE IT GOT THAT BAD AND WHY MY MONEY HAS NOT BEEN RELEASED I HAVE CONTACTED A LAWYER AND HE IS LOOKING INTO IT AND STILL AS OF XXXX TODAY THAT BANK MANAGER HASNT RETURNED MY CALLS SO I KNOW THEY KNOW THEY MESSED UP SOMEWHERE IM THE VICTIM BEING TREATED LIKE A CRIMINAL
Consumer complaint received 2022-04-28
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: COMMERCE BANK (OR)

On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I have NO IDEA why. I did not apply for credit, housing or employment anywhere. This appears to be fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. 

The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX But after calling, they say this information is not correct. 
The correct phone number is : XXXX I advised them what happened and gave them my info. They reported they just started receiving many calls with the same complaint. They said their Security Dept would return my call within 48 hours. That was today, XXXX XX/XX/2022 No further at this time.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (MA)

How is this possible XXXX? This was removed due to violation on reporting and the opened date is incorrect! Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (CA)

I received a call from California check cashing on XX/XX/XXXX from XXXX asking if I wanted to make a payment towards XXXX XXXX XXXX of XXXX. 
I told her I wanted to pay XXXX. XXXX she said ok and gave me my balance. 
I go to check my XXXX account and some one from XXXX XXXX took XXXX off of my card. The lady informs me they handle payment for personal loan companies and to call my lender because that's not hr department gives me the number to XXXX XXXX. She told me there are numbers to call when an employee makes a mistake. So now everyone is saying there is nothing they can do because it's already processed. And I can take out another loan .The store excuse was oh she's new. So I called my bank and filed a dispute and I'm waiting to see what These loan places are going to do in these types of situations. People work to harder for their money now a days and if they offer out money they need to be able to give it back swifty. And XXXX needs more training and pay me my money lol
Consumer complaint received 2019-08-21
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. (WA)

XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to XXXX  ; XXXX and Transunion on the XXXX XXXX XXXX  account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-03-14
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: CORELOGIC INC (FL)

I did not authorize XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX  did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (NY)

I arranged for a transfer of funds from Marcus ( Goldman Sachs ) to a XXXX account. I linked my account at XXXX by providing them with my login details and initiated the transfer. Marcus put a hold on the funds and did not call my cell phone ( despite indicating that they did ) due to 'potential fraud activity '. When I called Marcus to indicate that it was an actual transfer from me, they had returned the funds to themselves. Upon verification of my identity they did not seek to reinstate the transfer, which has resulted in lost interest revenue on my account.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX as well as the Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I address the consumer reporting agencies regarding multiple unverified accounts causing undue financial and emotional strain. I demand all disputed accounts to provide the original contracts within 30 days. Failure to comply will result in legal action against the involved companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Leading Edge Recovery Solutions, LLC (PA)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/XXXX, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

At the end of XX/XX/XXXX, I received a CitiBank issued credit card co-branded with XXXX XXXX offering XXXX miles after spending {$7500.00} over 3 months and the privileges of access the Admiral lounges. The annual fee is {$450.00}. In XXXX and XX/XX/XXXX, Citibank launched a credit card promotion with XXXX XXXX which is widely promoted in the XXXX airline cabins. The benefits offered are XXXX miles with {$3000.00} spent in 3 months with the first year fee of {$95.00} waived. 
I called today offering to give back XXXX miles to XXXX and Citibank and to have the {$450.00} fee reimbursed and the card cancelled. Citibank refused to refund even if I cancel the credit card. Citibank claimed that they have a policy of no refund after 37 days while a consumer can dispute a charge billed within 90 days. Citibank is setting a more restrictive refund " policy '' to their own advantage. 
One card was offered with {$95.00} annual fee waived while another premium card fee has to be paid upfront with limited recourse for refund if the card holder is not satisfied with the services and benefits received.
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc. (TX)

In XX/XX/2021 I received an email from XXXX XXXX stating that I owe them {$510.00}. As you can see in the email I responded with " What is this? Cancel please I didnt sign up '' I just now received another email from a debt collector " Rauch Milliken International '' saying I owe XXXX XXXX {$2100.00}. XXXX XXXX is committing fraud, I never even saw the advertisement that was posted with them. I need your assistance investigating this matter. How is it that they keep trying to bill me without my consent? I need these fees waved and all debt collectors to stop contacting me for debt I do not owe. The debt collector 's information can be found here : www.rauchmilliken.com As also stated in the email, the debt collector agreed that I tried to stop the charges but then states that she could only waive {$310.00} XXXX XXXX and rauch milliken are committing fraud.
Consumer complaint received 2019-03-14
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. (OH)

I Just needed to update my credit file for removing unverified accounts that I do no recognize.I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX .
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: VIRTUOSO SOURCING GROUP, LLC. (MN)

Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX XXXX XXXX XXXX Virtuoso Sourcing Group Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX , XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX , GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!
Consumer complaint received 2018-10-04
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. (GA)

I am filing this complaint because the credit bureaus Equifax and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (LA)

I recently reviewed a credit report from XXXX XXXX and found that There is an item allegedly pertaining to me and was furnished by Pro Collect.The original report date was XX/XX/XXXX I reached out to Pro Collect via Affidavit dated XXXX XXXX and advised them of the following : I do not recognize the item which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the item is Pro Collect. 

I was never given notification by Pro Collect of the alleged debt prior to it showing up on my credit report I was never given the opportunity by Pro Collect to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by Pro Collect before it could be assumed as pertaining to me. 

I advised pro collect that this is undeniable proof that they are in violation of the Fair Debt Collection Practices Act section 809 which only allows for 5 days after initial communication to provide the above mentioned information. I requested that they cease reporting this item to any and all bureaus immediately.