davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I received notification that a hard inquiry was made on my credit report ( XXXX ) from Bank of America. I have not submitted a credit application to Bank of America. I contacted Bank of America and they stated someone submitted an application in my name to obtain a XXXX XXXX XXXX  Credit Card, Reference XXXX XXXXXXXX. I did not submit the application.
Consumer complaint received 2022-03-03
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. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NY)

I contacted originally back in year 2015 by Trident Asset Management for a debt from XXXX XXXX. At that time I instructed them that can not be true, because I had successfully returned all the equipment from the company, so there shouldn't be any debt. I even confirmed with XXXX that the equipment was returned and nothing was owed. However since then, I've been sent letters, harassing phone calls and a negative stain placed on my credit history. Such malicious and egregious besmirchment is both unfair and illegal. I would like this to be disputed entirely and removed from my credit report immediately.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (OR)

I got multiple calls from company named " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding a medical bill payment scam. They are trying to scam me for paying a medical bill i do not owe. I don't know how they got access to my medical record and believe they have stolen the medical records. They say to have sent the medical bill but i have not received it on my mail. They called me from XXXX.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent a letter to XXXX disputing THIS ACCOUNT AS BEING CHARGED OFF AND THAT I WAS 30  DAYS LATE IN XXXX 2011. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX XXXX, XXXX. at XXXX XXXX XXXX, XXXX. Attn : Research Dept,  XXXX XXXX XXXX XXXX XXXX, FL XXXX and it was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts.
Consumer complaint received 2018-03-22
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. (WA)

On XX/XX/XXXX I called XXXX  to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one on XX/XX/XXXX. I have verified this with Equifax.

I began calling XXXX  and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called Equifax and was informed that only the company can resolve it.

After many more unsuccessful calls to XXXX, I was put in touch with XXXX XXXX  in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX  at XXXX indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( Equifax ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit burea us ( Equifax,  XX/XX/XXXX  and  XXXX  ) that showed that the amount of {$2400.00} had  been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified  letters to each bureau requesting that the information be deleted from my credit report. Only  XXXX  bureau- XXXX  has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I called Equifax and disputed some old addresses from my report in which on  XXXX   XXXX  got my final response that my dispute was completed. All wrong addresses were deleted. Today  XXXX  I went online to add my current phone number all addresses that was already delete are still showing on my report. This credit bureau is totally messing me up and the process of me buying a home for my children. Their informations are not accurate and they are providing false complete dispute. I expect them to address this issue immediately and update my report accordingly and delete all inquiries that was deleted from another credit bureau. I have attached my document from  XXXX   XXXX  and  XXXX   XXXX .
Consumer complaint received 2017-06-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I inquired about a loan for $  XXXX  and was told the minimum loan was $  XXXX .  One Main does a dvertise $  XXXX  and up and then demands that a $  XXXX  loan is the minimum.   I was pushed to take a loan for $  XXXX  to include my current car loan, which I did not want. The result was that I was rejected for the $  XXXX  loan that I never requested and was quoted 35 % for the  XXXX  loan which I rejected.   I received a letter stating that the loan had been rejected, a loan amount I never requested. The letter did not state that I had been verbally approved for the $  XXXX  loan which I rejected. This is predatory lending.
Consumer complaint received 2019-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Franklin Collection Service, Inc. (CA)

FRANKLIN COLLECTION SERVICES is reporting a collection on my credit report that does NOT belong to me. Numerous attempts to request Franklin collections to validate this account were ignored and instead they are now calling non stop and demanding personal information instead of proving to me that they have the right person they are trying to plug in the ss # and other sensitive data of a consumer which they don't have in first place. Don't they need to be a law firm to  threaten to send sheriffs to the house and why are they allowed to call at 4 or 5am. this is a total violation of FCRA AND FDCPA ..
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of credit card fraud. I was notified by  XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   the bank representative informed me that a person or persons unknown to me opened  XXXX  credit card accounts in my name.  XXXX  card was opened at the   XXXX   XXXX  . The  XXXX   XXXX  card is backed by  XXXX  bank. The second credit card was opened with  XXXX . On  XXXX / XXXX /  XXXX   I contacted all  XXXX  credit bureaus. On  XXXX / XXXX /  XXXX   I went online and received a copy of my credit report from  XXXX  and  XXXX . I tried to obtain my credit report  from Trans Union but  after entering all of my information I received a message that said I could not receive a copy of my report because I ha d two open  disputes. On  XXXX   XXXX ,   XXXX   I made several call s to Trans Union and requested a copy of my report because I was the victim of cr edit card fraud. I also told the person I was speaking with that a  XXXX   XXXX  from the  XXXX   XXXX  police department had told me to get copies of my reports from all  XXXX  credit reporting ag ency 's. After speaking with 2 supervisors at Trans Union I was told I would have to wait until the 2 disputes were investigated. I was told that by law Trans Union has up to 30 days to complete their   investigation. I explained that I could not wait 30 days and needed my report ASAP. I was told the only way to get my report sooner would be to dro p the 2 disputes I filed. I said this is crazy. I just need my report so I can see if there is any suspicious information in my report and that I need a copy for the police department. Trans Union ref used to provide me with a copy of my report even though I was a victim of credit card fraud. This is not fair and it should be changed. Victims of credit card fraud should be giving their credit report upon request even if there is a current open dispute.   I have been very sick with   XXXX   XXXX   XXXX  for a few years now. All this has been very  XXXX  for me. I have had to spend many hours on the phone since this happened.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

I have lived at a rental property current name ( XXXX XXXX XXXX   ) with my ex girlfriend back in 2013 XX/XX/XXXX ( we both signed the lease ) for only a month in a 6 month lease term that soon after i found out my ex girlfriend stole my check books and Debit card and had to leave the rental apartment and involved polices and paid termination fee of one month rent by myself since she was a felon and i was not aware of. I filed lawsuit meanwhile against my ex girlfriend and she founded guilty because of identity theft and forgery. After few months passed i received a letter from XXXX XXXX XXXX XXXX   that i owe XXXX  $ approximately to the apartment i lived only a month though paid them one month advanced plus deposit. This has been affecting my credit and life in general since they keep harassing me because of that even though i explained them the situation and the money i paid for additional one month rent before leaving that place. I believe i am a victim of unfair credit report by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (NJ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX. XXXX
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DE)

Navient is my Student Loan Servicer. Every month during 2016, and possibly before, my payment owed was displayed on Navients webportal. The total was XXXX and some change. Each month I would pay that exact amount ( on time ) without a second thought. It wasnt until I saw my principal balance increase by several thousand that something was amiss. I called customer service and they shared that I should have been paying more due to my loan at some point being restructured. I tried explaining that the amount due that was displayed on the web portal was the XXXX, but they said its my responsibility to know how much Im really supposed to pay! ( ( (???? ) ) ) Because I wasnt paying the actual amount due ( which I still am unaware of to this day ), the remaining difference was placed back on my loan and interest compounded. 

This response makes absolutely no sense. If my payment changed, it should be reflected.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

The beginning of XX/XX/XXXX, I received a notice from my HR department at work that my wages were being garnished. My HR department provided 2 pages ( Citation Notice and the page with the calculation of the wage garnishment ). The total amount on the page was for XXXX. And from looking at the Citation page it looks like the citation was sent to an old address of mine. I never received any information from this creditor about this citation or any hearing dates. I moved to a new location as of XX/XX/XXXX and the citation paperwork was sent as of XX/XX/XXXX. 

I was denied " Due Process '' of the law because the creditor did not properly serve me and allow me to request any type of verification of the debt. 
What did I do to try and contact them - I reached out to an online law team to see if they could file papers on my behalf. The company filed an answer to the citation notice but I have not heard anything from the company ( and I'm assuming that I will not because again I did not receive the paper work when it was file and I probably missed the deadline date for the answer ). 

Now they have created all type of hardships for me by garnishing my wages. I spoke with the HR Dept. today and they said that now the total amount owed is XXXX. I really need help in resolving this issue with this creditor.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (TX)

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-03
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. (CA)

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-23
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. (FL)

XXXX XXXX  has been told that this 5othe XXXX  XXXX  on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and XXXX XXXX
Consumer complaint received 2020-01-23
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. (FL)

XXXX XXXX  has been told that this 5othe XXXX   XXXX  on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and XXXX XXXX
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Regarding : Customer Name :   XXXX   XXXX   ; Checking Account Number :  XXXX  ; Bank : Citizens Bank NA On XX/XX/XXXX , 2017 Check  XXXX  was written payable to   XXXX   XXXX   XXXX   in the amount of {$200.00}. On the same day, that check was voided and check   XXXX   was written payable to   XXXX   XXXX   in the amount of {$150.00}.
<P/>
On  XX/XX/XXXX , 2017, both checks were cashed, thus putting the account ending in   XXXX   into a negative balance. I had called Citizens Bank and spoke to their representative  XXXX , who filed a fraud claim and reassured me that this would be resolved within 10 business days and that Citizens Banks would return my money to the account along with all the overdraft charges that resulted from their error. He noted that " Void '' was written clearly and legibly across the front of the check. He also told me multiple times that this was Citizens Bank 's error. The claim number I was given is  XXXX .
<P/>
I followed up 8 business days later on  XX/XX/XXXX . At that time, I was told it would take 8 weeks for Citizens Bank to refund me my money and that there was no way for them to expedite the process. They claimed that the fault was not theirs and that they had to verify that the check was indeed voided. I asked why this had to be verify as it was already on record that this check was voided, I received no answer.
<P/>
I called again on XX/XX/XXXX , 8 weeks after the voided check was cashed. I was told the claim was still open, but yet to be resolved. When I asked how much longer it would take, I received no answer. I have yet to receive the original {$200.00} back in my account, along with the {$70.00} in fees.
<P/>
On  XX/XX/XXXX , I received a letter dated on  XX/XX/XXXX , stating that Citizens Bank is not at fault, that this was a matter between myself and the payee. They refuse to refund me the money they withdrew without authorization in addition to the fees that resulted from the unauthorized withdrawal, thus going against their previous statements made on the record.
Consumer complaint received 2021-11-30
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: AMERICAN EXPRESS COMPANY (IL)

I initially noticed a new American Express credit card on my credit report which used a different address and birthday in XXXX of XXXX. I disputed it immediately with XXXX but was told to contact American Express. 
I initiated a fraud complaint in XXXX of XXXX  and was informed by a letter from American Express that since the account was being paid then it was not fraudulent. I immediately contacted American Express again and disputed the decision. Again, I was notified by a letter that its not fraudulent since the card is being used. A second American Express card had just opened under my name which I did not apply for in XXXX XXXX. I plan on disbursing the new card as well. American Express somehow continued to refuse canceling the fraudulent account. The reasons they provided did not make any sense. They didnt ask for proof of identity during the dispute or fraud investigation.