davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (OH)

went on XXXX  website for credit card offer XXXX with no interest 14 or 15 months free interest on balance transfers o yearly fees XXXX to XXXX variable interest based on credit worthiness applied and approved in a few minutes then on XXXX got citi bank info in mail about interest charges two days later got letter from citi bank saying during our routine monitoring, we discovered suspicious activity on a new citi XXXX  XXXX account in your name we need to confirm this is your account before any additional charges will be allowed call XXXX so i called on XXXX XXXX different times got hung up on after identifying my social number cell number secret question i ask for the girls name and how to spell her name she said XXXX and is from the XXXX. she put me on hold when i ask her what was going on what is suspicious? i have not got a card with an account number yet nor i cant activate something i have not relieved. then she put me on hold then hung up on me. i have tried several times with no avail. very discouraging when you get scammed on one of the credit reporting bureaus website.i have the mail the sent me and keeping it. i have reported this to the federal trade commission as well. Note : on the XXXX  website it shows citi checked my report but shows i owe more then i do exactly what i was approved {$5700.00} but it does not show what or where or how i owe the {$5700.00} at this pint so i can not dispute what is not there. going to call XXXX and have a talk with them see what they say on XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2021, when signing up for a TransUnion Credit Monitoring account, I was told to input a credit card information to verify my identity on their website. What they did instead was creating a subscription for their service under my account for {$27.00} ( tax included ) sneakily. 

I bet they covered this up in a very small print or link somewhere in the website. I provided my credit card information NOT knowing that I will be charged any amount. I would not have provided it had I known it would be sneakily charging me every month. This is a very predatory behavior and is widely documented online ( try searching XXXX for the term " transunion automatically subscribe me '' ).
Consumer complaint received 2021-12-02
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (HI)

Please refer to complaint ID XXXX submitted on XX/XX/XXXX. 

On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX received my consumer complaint and closed my account. They also notified their client to do the same stating, " We are in receipt of the Consumers dispute and have notified our client of the same. Our office has placed an immediate cease on any attempts to communicate with the Consumer regarding this matter. '' XXXX XXXX XXXX has disregarded this notification and proceeded to send my account to yet another collection agency. This time, for the balance of {$120.00} which is why I am filing another complaint against XXXX XXXX XXXX and the new collection agency, Resurgent Capital Services, who I need to notify within 30 days that I am disputing the validity of this debt. 

At this time, I would like to file a complaint against XXXX XXXX XXXX and Resurgent Capital Services. I don't know XXXX, XXXX 's address or how to get in touch with them, so I am sending them a letter care of Resurgent Capital Services which is within the 30 day window to dispute the validity of this debt. 

As I stated in my last complaint, " My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called XXXX XXXX and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report XXXX : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services. '' On XX/XX/XXXX, XXXX XXXX responded that they closed my account. 

All documents are attached below.
Consumer complaint received 2021-12-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fig Tech Inc. (MO)

Fig loans and XXXX XXXX XXXX repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.
Consumer complaint received 2021-12-02
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2023-03-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-02
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. (LA)

I have attempted to contact each company to validate the inquiry. NO response was recieved. I have an inquiry from XXXX XXXX on XX/XX/XXXX, overstock XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2021-12-02
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-03-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Advanced Portfolio Group LLC (NY)

XXXX XXXX XXXX has been trying to collect a debt, that I am not sure is valid. They have made several calls to me, which I answered most of them. I expressed I need to talk to my attorney about that matter. They sent me a letter for the debt. On Monday XX/XX/2021 this company called my XXXX, who lives in California twice XXXX both at XXXX ) demanding to know an address or other contact information about me. I am still working with my attorney to see if the debt is valid.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

My Coinbase account got hacked into, I locked the account and changed my password, now when I try to sign in it directs me to a verification page to prove its me. I have done the verification and I keep having to repeat the verification process and it wont let me into my Coinbase account. I just get directed to the verification process everytime. Please help Ive emailed multiple times and they keep responding with the basic response. They arent helpful at all! I have a lot of $ in this account and Im worried my funds are gone or Im not gon na be able to get in.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MD)

On XX/XX/2021. I reveived my third stimulus payment in the amount of {$4200.00} to my bank account with XXXX XXXX XXXX. Within 2 hours there were two unauthorized transactions on my account in the amount of {$2000.00} per transaction totaling {$4000.00}. It was sent through the banks service called Current Pay, which is a peer to peer money sending service. I have banked with Current for 2 years and have never known this service existed nor have lever utilized this service. I never received a notification, email, or even a flag asking if these transactions were authorized. I saw that somehow contact was added to my Current Pay service in the name of " XXXX '' ( XXXX XXXX ). I have no idea who this person is or how they were added to my contacts or were able to access my account and send themselves the {$4.00}. I immediately contacted Current through chat because their phones are not on now to dispute the charges and was pretty much called a liar, and told they refuse to dispute. I've since contacted them 5 additional times and they repeatedly accuse me of having knowledge of these transactions and continue to refuse to help me.
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

XXXX received a returned item ( a mobile internet service intended for rural use, well within the 30 day trial period. It did not work at all due to no service available in our area. Their promotion was 30 days no contract to insure it worked. They have not only agreed and acknowledged that they canceled and accepted the returned equipment but did not cancel the service but they called this a buyers remorse issue and never pushed back. They are just unwilling to complete the proper admin work to remedy the issue. 
The original and erroneous bill was {$400.00} and upon bringing this to the attention of XXXX it was said to be removed from collections, however Amsher Collections and the XXXX XXXX XXXX XXXXXXXX XXXX refuse to remove some unknown and fictitious remaining {$63.00}. I have made no payment and refuse to do so. So the reduction is perplexing at best. 

XXXX called with me on the line and Amsher collections and. The XXXX XXXX XXXX XXXXXXXX XXXX refused to speak to them and would only speak to me. It was then that I was hung up on and told in extremely unprofessional terms the only way to resolve is to pay. At one point the rude employee laughed at me. 

From where I stand, Amsher Collections, XXXX XXXX, and XXXX and the credit bureaus have damaged my credit and are all complicit in their Deceptive Trade Practices, false credit reporting, and in their attempts to extort money by making paying easier than dealing with the headache of unwinding their mistakes.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NV)

Truist bank withdrew double my mortgage amount from my account. They refused to return the funds to my account unless I could prove that they took it from me - even though it clearly shows on my account that they took a double charge ( as in can see in their truist account and visible and acknowledged. They then refunded but would only mail the check to me, which will not help me to pay my bills and further delay return of my funds. The reason they said was because they refuse to cover the wire fee associated with returning the money which they had stolen. They literally stole my money, held it and then delayed its return because they were too cheap to cover the fee associated with their error. The customer service was horrific and while I expressed with the customer service reps the horrible financial position they had put me in, they literally laughed at me. I really hope at some point the government identifies this scumbag bank for what they are and does something about it.
Consumer complaint received 2021-05-06
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. (MD)

I've tried numerous times to the student loan closed. I had a parental loan for my son 's school. The federal agency closed the student loan because my son had been deceased for over 3 years. I many times requested they close the loan. It doesn't exist anymore.
Consumer complaint received 2022-10-11
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: WHEELS FINANCIAL GROUP, LLC. (CA)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 800 LOANMART XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have recently filed complaints against 2 companies listed on my credit report thru the Consumer Finance Protection Bureau. The 2 companies are XXXX  and XXXX  and XXXX XXXX. I have attached the complaints and the company responses to my concerns. XXXX and XXXX said this tradeline should be remove and XXXX funding sent me correspondence that clearly states I do not owe them this debt as this debt came from another collection agency and that collection agency got it from another company. I do not have a contract with XXXX. Please delete this tradeline for non factual reporting. Please see the attachments and delete immediately.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian is reporting a fraudulent account, errors, multiple names on my credit file that do not belong to me, i called and Experian multiple times and couldn't get any one to help resolve the problem. 

experian is reporting a fraudulent account called SO XXXX XXXX for {$130.00} from a company i've never done business with, i never signed a contract or gave permission to that company to access my social security number or personal address. 

Experian is reporting misspelled names or some one elses name on my credit report..
Consumer complaint received 2019-08-15
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (AR)

I submitted complaint number XXXX. 
My complaint has been closed without providing a proper resolution. 

I have been following up with company for last 4 months to get the wrong reporting done on my account corrected. I am not getting a proper reply. Every time I am being told it will take 20 or 30 days. Same thing they did with complaint I submitted with CFPB. 

Also, they didn't provide any update on my demand to compensate me for all the troubles I am going thru since last 4 months due to this issue. 

I demand a compensation of XXXX USD.