davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank has refused to chargeback {$900.00} to merchant XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX I hired the company to file my taxes and to date they have failed to do so. I want to file a chargeback based on failure to receive services however Bank of America has refused to do so.
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Genpact Limited (CA)

Re : Account # XXXX Amount {$180.00} To whom it may concern I did not receive my last two Re-file Prescription, two times I called XXXX XXXX and they said they were going to looking to the issue, but they never ever called or follow up with me. 
After talking to post office and my postman, they did inform me that, there are so many packages are missing in my track due to theft and after doing more investigations my neighbor couple doors down caught the thief with security surveillance camera ( see attach two photo ) I called XXXX XXXX and explain the situation and told them we do have the police reports as well, XXXX XXXX told me they will have my Re-file Prescription send over again but they never did, Now I am getting this none sense letter which is absolutely unfair, XXXX XXXX is the one at fault for not following up and report inaccurate information to agency, XXXX XXXX never contacted me after I contacted them three ( 3 ) times I am sending this letter with USPS certify mail with pictures attach, for unfair Collection and if I get harass by this agency or any other agency regarding this unfair collection I will exercise my federal Fair Collection Practices Act Rights XXXX XXXX Tuesday, XXXX XXXX, 2017 CC : XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Early XX/XX/XXXX, I got the mail notification from Citi Bank to close my saving and checking accounts because of several transactions. 


Actually, at that time I just bought a house and got a loan. So I paid {$9900.00} ( the  max daily allowance for early-payment ) to the loan bank several times in XX/XX/XXXX to access my loan payment. 


I explained this reason by phone multiple times. Then went to XXXX XXXX Citi bank and talked with some officer directly with related documents and evidences. She tried to help me to reach the particular department several days. I also confirmed from her that I could still use all credit cards and the mail was only about saving & checking accounts.

But unfortunately my saving & checking accounts were closed in XX/XX/XXXX, and to my big surprise, all my Citi credit cards were closed without any notification ahead. All rewards disappeared and not able to cash out.

I am a loyalty Citi customer since XX/XX/XXXX with several credit cards ( as my primary cards ). I feel so sad on this decision even without notifying me ahead. In XX/XX/XXXX I tried to apply a citi credit card and got rejected. 


I just wonder if I can get my rewards back as money. Just in one card -- double cash, I still had {$300.00} not collected rewards. Would you please help get back my lost from all credit cards?
Consumer complaint received 2017-11-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc. (AR)

On XX/XX/XXXX I was admitted and discharged from XXXX XXXX, XXXX, Georgia. A few months after this I received a bill from XXXX XXXX for the amount of {$700.00}, which represents the amount of my care that was not covered by my health insurance provider. I contacted XXXX XXXX 's department of XXXX XXXX XXXX to establish a payment plan and verbally committed to a payment plan of {$55.00} per month until this matter was resolved. On XX/XX/XXXX I received a Payment Plan Installment Letter from XXXX XXXX XXXX XXXX XXXX listing the terms of my payment plan, reflecting the terms that were agreed upon over the phone, 13 payments of {$55.00} to resolve the balance of {$700.00}. This letter was signed by XXXX XXXX, a representative of XXXX XXXX XXXX XXXX XXXX. 

Since receiving this letter, I have made all payments required of me pursuant to the above referenced agreement. I have had my bank send checks to the address listed in the Payment Plan Installment Letter in the amount of {$55.00} and have not missed a single monthly payment. During this time period, XXXX XXXX XXXX XXXX XXXX has referred my account to a collection agency twice, resulting in severe deterioration of my personal credit score. XXXX XXXX XXXX has contacted me through mail multiple times requesting full payment of this account, despite my existing agreement with XXXX XXXX XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to explain I had an existing agreement with XXXX XXXX and they informed me that I would have to address this matter with XXXX XXXX XXXX XXXX XXXX. I spoke with them about this the first time my account was referred to collections and referenced my Payment Installment Letter. was assured by the manager of the department that the collections account reference would be withdrawn, that my original payment plan would be honored, and my account would not be referred to collections again. This month, I received notification that my account was referred to XXXX XXXX XXXX again and my credit score subsequently was negatively impacted by this. I called XXXX XXXX on XXXX XXXX, 2017 to address this and was told that they were unsure why my account had been referred to collections again and this would be reversed. While I am relieved that they agree my account should not be referred to collections, it is still cumbersome to continue having to address this issue after being told multiple times that it would not happen again and it is detrimental to me as a consumer to have derogatory remarks reflected in my credit score. 

Pursuant to the Fair Credit Reporting Act and Dodd-Frank Wall Street Reform and Consumer Protection Act, I believe that it is unethical and unfair for XXXX XXXX XXXX XXXX XXXX to continue to refer my account to collections agencies, resulting in negative marks on my credit profile and deterioration of my credit score. I have made all payments required of me through the XX/XX/XXXX Payment Installment Letter.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Equitable Acceptance Corp (SC)

The supported company " Equitable Acceptance Corporation ( EAC ) '' is a fraudulent company that has taken my personal and highly secretive information ( such as name, address, bank info, SSN, etc ) and used it for fraudulent purposes without my permission. They claim to forgive student loans in 3 years if you pay {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. NOTE : Loan consolidation can be done for free by the person taking out the loan. The information on the contract is incorrect and the information in which the Student Advisors for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. NO LOAN CAN BE FORGIVEN IN 3 YEARS. The EAC consciously obtained my information to commit fraudulent acts and have now attacked my credit with an account that was opened on false pretenses. The account in which they ran against my credit is not even a loan, it is addressed as a credit card. If trying to pay back my student loans were not hard enough it has become increasingly challenging now that I have to worry about identity theft. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. 

In attempts to call and cancel with EAC, no one ever answers. However, when receiving calls from them, they harass you. They told me I could not cancel and that they already ran my credit. It is hard to see people of this nature taking advantage of those trying hard to live a good life. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, Kia Motors finance contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX. As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.
Consumer complaint received 2017-11-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, XXXX I received a letter from Citi Bank that stated I was enrolled in Credit Protection Program. Since I have never had a banking account with Citi Bank I called the Citi Banks customer service on XXXX XXXX, XXXX. The Banks representative asked for my SSN and checked if there was any active bank account on my name. Luckily, there was none. However, the letter included the account ending number : XXXX and the Customer Reference number : XXXX. So obviously, there was some account opened in the past. 
I would like the CFPB to investigate this matter. I am very concerned of stolen identity and fraud. 
Thank you in advance
Consumer complaint received 2021-09-22
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MacDowell & Associates, Ltd. (GA)

This debt collection has been going on for XXXX ( XXXX ) years. I have repeatly ask them to stop filing garnishments on me for a debt that I do not owe, and for XXXX that they never sent or produce a bill pertaining to the date. Instead, every 5 to 7 years they continue to file this in the courts. This is causing problems with my employment and adding stress to my life. In XXXX I received notice that they would not file the case was dismissed, also in XXXX ; however, now in XXXX here we go again with the same fradulent file. As of this date, they still have not produce a copy of a bill as I have repeatedly ask them to forward to me. This is a problem that I will differently take to every level I can to stop these types of actions against me, for 20 years of harassment and never producing proof of a debt is just totally illegal practices and I have repeatedly ask them to stop of provide proof of a bill and a letter of intent that I received concerning the so call debt. Why would you mail someone a letter saying you dismiss it and then you do the same thing in a few years.This is obvisously, some lawyer debt firm that buy someone name and then harrass them pertaining they are working for the company. They are claiming they represent XXXX XXXX XXXX, when the company knows nothing about a garnishment being filed on me. There is no documents because I never receive a bill from them.
Consumer complaint received 2021-07-12
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: MARINER FINANCE, LLC (VA)

A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX Mariner Finance. Llc on XX/XX/XXXX Mariner Finance  on XX/XX/XXXX XXXX Card service on XX/XX/XXXX
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (KY)

my name is XXXX XXXX im a former customer at Netspend incorporation in XXXX XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

my account has been completly compromised and drained. ive talked to the company about this matter. ive even filed disputes regarding this matter. 
they wrongfully closed my accounts without permission and my knowledge. 

i asked them to further investigate this matter, but i haven't got outcome thats suppose to happen, they've ignored my calls and emails several times. 

i believe they a guilty party in this matter. 

all i ask for in this resolution is my and my kids money returned to us. over XXXX XXXX  is missing. their has been mobile accounts on my account that i did not authorize, plus netspend denied me of my mobile transaction and transfers. 


ive talked to two guys from netspend by name of XXXX XXXX and XXXX XXXX they both lied to me about my funds. XXXX XXXX is the president and the person in charge of netspend. 


ive even filed a complaint with better business bureau and filed a police report.
Consumer complaint received 2019-11-06
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: ALLY FINANCIAL INC. (TN)

Ally Bank corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against Ally Bank and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the Ally Bank 's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my XXXX Credit report and as you can see, Ally first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and Ally 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current
Consumer complaint received 2020-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I sent a notice of error to my mortgage company about my escrow account statement being incorrect. I have proof from the post office that it was received on XXXX XXXX it it's now XXXX XXXX and I have not receive a notice acknowledging my notice of error has been received. My mortgage company is stating I have a shortage on my escrow account when in reality I have a surplus. They are estimating my county taxes higher than what it is and I have provided the bill to prove it. I'm asking that they fix the error and refund me the surplus.
Consumer complaint received 2018-03-19
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: Bread Financial Holdings, Inc. (FL)

After requesting my credit report.i notice accounts and inquiries that were not authorized by me and made by my ex wife.I did not not authorized you to pull my credit for the following XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I noticed that she never got a chance to use them and I do not want them open and wish for this to be closed and remove from my credit report as well as the inquiries
Consumer complaint received 2019-11-06
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: Experian Information Solutions Inc. (TN)

Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.
Consumer complaint received 2019-11-06
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. (TN)

Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.
Consumer complaint received 2018-03-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX  deleted this account how did they delete it if you verified it with XXXX and XXXX
Consumer complaint received 2018-03-19
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: EQUIFAX, INC. (FL)

After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (NJ)

TRS recovery services are claiming I owe XXXX $ from XXXX and now I owe XXXX $ instead from a transaction on XX/XX/2021 for insufficient funds. Thats impossible because XXXX XXXX wont allow money to be deposited if the money isnt there and I always have money before making a deposit. I checked out the review for this company and its obvious this is a scam. Theyre asking for a cashiers check or money order if not they have my information and I wont be able to cash checks or open up any bank accounts unless I pay. I just want to make sure I dont have to take any action to avoid my credit being messed up even though this is a scam company thats been going on for a while
Consumer complaint received 2019-11-06
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. (TN)

Never had a account with XXXX. It is reporting on my account. I asked for proof of validation, never received anything back. I need this account removed immediately from all three credit bureaus I am not responsible for this debt.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection Services has placed a collection on my credit report without notifying me 5 days prior of my right to dispute this debt. This debt has been added and constantly removed from my credit reports as I do n't have knowledge of this debt. It keeps being sold and reported without my knowledge. The law states that a debt collector MUST notify the consumer 5 days prior of their right to dispute and Franklin Collection Services failed to do this which is against the law. I have no knowledge of this account and do n't have a contract with Franklin Collection Services or the original creditor.
Consumer complaint received 2021-09-10
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. (LA)

I have been submitting these accounts to the credit bureaus for over 1 year with police report and FTC report. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX