davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (TX)

On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a mortgage process. The account is showing now 6 times past due which is incorrect and as a result of this incorrect information I was denied a car loan applied for this year. This information was added after my closing because there would have been no way to close on my house which this deliquent information on my report.
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

Good Morning, I received a loan with the company Netcredit in XXXX of 2020. I must admit at the time I was beyond desperate, my XXXX XXXX was a XXXX months out of XXXX XXXX and medical bills was killing me. A couple weeks after I lost my main source of employment. However with my children child support I maanged to scrape by and make payment to avoid credit reporting. The original loan was {$3000.00}. I have been making payments since XXXX, however the company is saying that i have a balance of {$2500.00}. How is that possible? On XX/XX/XXXX, I lost my dad, had to take emergency leave to go to the XXXX, I sent an email to the company to let them know that i will not be able to make a payment, however they tried to withdrew payment, sending my account in negative. 
I tried having loan refinanced as I have never missed a payment and was unsucessful. Please help in anyway dealing with high interest company. I am struggling to get by, honestly can't afford XXXX XXXX monthly.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX has 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.
Consumer complaint received 2021-12-14
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. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I been having 2+ years problem with getting refund for flights bought on XXXX for XXXX XXXX XXXX. In summary what I need from Capitalone is statements from 2020 XXXX to XXXX sent to me electronically at XXXX. I looked at website but available statements do NOT go back to 2020 Please send electronically in letter to me thru this portal of email Thanks
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MN)

XXXX XXXX placed my account in collections with CCS and it was added to my credit report XX/XX/XXXX. This account should not have gone to collections because XXXX XXXX lost it in their system in XXXX of XXXX because, in their words, it was " floating '' between addresses. I made multiple good faith attempts to pay but I was locked out of their online payment platform and no one in their call centers was able to help me get the account paid. I never received any mail correspondence from CCS prior to them putting it on my credit because the address they had on file contained a typo - not a fault of mine. After this account was placed in collections, I spoke with a manager at XXXX XXXX and she told me that the account should have never gone to collections and the only way to get it deleted entirely from my credit was to pay the funds directly to the collection agency. I did that right away. In the time since paying the collection agency, I have been told by XXXX that CCS needs to reach out to them so they can get it deleted. CCS has told me that XXXX needs to reach out directly to them to get it deleted. 

I filed a complaint with the XXXX XXXX XXXX  because, as evidenced by the XXXX website, the CCS Companies have resolved almost XXXX complaints this year alone and the standard turn time on those resolutions appear to be between XXXX XXXX. My complaint was submitted on XX/XX/XXXX XXXX XXXX XXXX XXXX  ), the XXXX confirmed that the CCS Companies received it the day it was submitted, and I still have not heard back from the business. The XXXX has requested their response now three times and there has been no resolution. 

The CCS Companies and XXXX 's refusal to communicate with each other to resolve this error on their end is a consumer rights issue. I am under contract to buy a home and if that falls through or necessitates a loan program change as a result of negligence by the CCS Companies, I will seek any monetary recourse that is available to me for the loss of housing and funds paid in the homebuying process. XXXX 's refusal to delete my account from my credit report is directly contrary to their mission to abide by the Fair Credit Reporting Act. While the account should not have gone to collections and I received no correspondence from XXXX, I paid the balance in full because I was told it would be fully deleted from my credit and I expect that result to take place.
Consumer complaint received 2021-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I signed up for Capital One XXXX card because it had 0 $ annual fees. Now I got a payment scheduled for 29 $ for " Capital One membership fees ''. I called customer service and they didn't have an explanation what this fee is for since the website explicitly declares the credit card as 0 $ annual fees.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

Used my XXXX credit card. Was billed for the amount I charged. 

Payed the bill in full at the address I had in my bill pay, given to me on my original credit card statement. 

Check was cashed. 

Never received credit for my payment. Have contacted Commenity bank. Have sent documentation several times. Called them. Contacted their old account holder for help. 

No help. Keep receiving new statements with interest charges and fines. Bank will not help. 

Found out XXXX  changed banks from XXXX  XXXX XXXX to Commenity and never notified me of the new address for payment. 

They cashed my check to XXXX at their other account but will not give me credit or work with me. Trashed my credit score from 800s to 600. 

I need help. Would like to take legal action for relief and damages.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WI)

XXXX XXXX issued by *Synchrony Bank was closed on XXXX due to inactivity. We had no idea this would be done and had the card to use for times when items were needed. Upon calling, the rep stated the conditions were in the agreements. They are not and these companies are using algorithims that they can not explain. They *Synchrony Bank XXXX also lowered my limit on Sam 's Club card driving up the credit limit ratio to 97 %! without notification. I was supposed to receive a letter after I called and never did. I was told to reapply for XXXX XXXX! why should I when the interest will be higher due to their actions. 

The closing of the account hit the credit bureau and decreased my score substantially to the poor range because they did not report as inactivity but made it look like it was just closed. 

Synchrony seems to be on a trend with this as theiXXXX XXXX site names several such incidents of people who had no marks and whose credit took a dive. They appear to be trying to get more money by lowering your score, having you reapply with a bad score and pay higher interest rates. Their cards already have high rates like usury fees and now these antics are making it worse for people just trying to live and who pay the cards monthly only to be punished.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-14
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. (PA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blakely-Witt and Associates, Inc. (TX)

Blakely Witt and Assco is trying to collect money on a property that was sold and no longer exists. They said I signed a lease but when I look at the signature the signature is electronic and is nit the way I sign my name. I asked them several times to remove the debt from my credit report and they refuse and call my job constantly making threats and harrassing me. The lease was signed on XX/XX/2019 and I received an email from the property on XX/XX/2019 saying they haven't sent me the lease to sign. Blakely Witt is aware and is not doing anything to fix it. He said he would settle with me for XXXX. I told him I am not paying anything I sign my name XXXX XXXX and it was signed XXXX XXXX XXXX. I never use that signature.
Consumer complaint received 2021-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

In XXXX, I received a letter in the mail from a company named Ad Astra Recovery Services. The letter had my name XXXX XXXX on the letter. I opened the letter and it stated that this comp was telling me that I owed an amount XXXX cent. The letter also advised that I had owed the money to Speedy Cash. I did not know who Speedy Cash was nor who Ad Astra Recovery Services was. The letter specified a file # XXXX and reflected the date of loan as XX/XX/XXXX. I told my husband about the letter and he asked when the loan was opened and how it was opened, He then said how were you able to open a loan with them When you were in the hospital the week that this loan was opened up.The letter had the last four of my social security number. The loan number was XXXX, the original creditor Speedy Cash was located at XXXX XXXX XXXX XXXX. XXXX, MO XXXX.Over the past few months I submitted numerous disputes to Ad Astra Recovery Services . I asked for verification of me owning this account, Ad Astra R ecovery Services sent documentation that I requersted with verification of me owning this account. They sent information that was not accurate as it pertained to me, and where I lived. I was advised the account was opened online with my personal information. Such as my DOB, last four of my social security number. I disputed the account, and advised Ad Astra Recovery Services that the account was not mines. I called Ad Astra sme time later after rhey refused to remove the account off my credit file. It was at this timed I found out that the account was opened online with my personal information. I tole them that the day the account was opened, I had been in the hospital the week of the XXXX, XXXXXXXX. And there was no way that I could have opened the account. Cause I was XXXX XXXX XXXX  XXXX XXXX, and would not have been able to open the account. I also was made aware of the address on the account did not match where Iived. The address on the account was XXXX XXXX XXXX XXXX, Texas XXXX. This address was not my address, My address was XXXX XXXX XXXX XXXX, Texas XXXX Who ever opned the account gave a partial of my address, leaving the city XXXX XXXX Texas off. But gave the address as being in XXXX, Texas XXXX, which I have never heard opf before. Over the last four years I have attempted to get this remeoved, it got to the point I just got tired of dealing with it. I became very frustrated with dealing with Ad Astra Recovery Services, I requested copies of signatures, even electronic signature. Thery could not provide any pictured ID, of my drivers license. Even though they said they said they had my drivers license. This account over the years has effected my credit directly. The date that shows when the account was opened. On my credit reports it reflects the loan date as XX/XX/XXXXXXXX, but on documentation sent to me it shows the a date of XX/XX/XXXXXXXX. So, there are two different dates on when the account was opened..,
Consumer complaint received 2023-11-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

Background : XXXX XXXX XXXX XXXX by Citi Customer Service emailed and informed me that the XXXX membership must be renewed by XX/XX/2023 or the credit card will be closed. However, if they close my card, it will affect my credit score, so I contacted Customer Service at XXXX to request to switch or convert the card to another Citi credit card to avoid decreasing my credit score. 
Issue : The Customer Service told me that they refused to switch or convert the card to another and forced me to continue XXXX membership to avoid decreasing my credit score. It is a threat to the customer who does not want to keep the membership but the credit card and credit history.
Consumer complaint received 2021-11-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc. (TX)

In XX/XX/XXXX We applied for a refinance loan with Velocio mortgage. On XX/XX/XXXX we signed the initial loan estimate which included a {$4100.00} credit to offset the loan origination fee. On about XX/XX/XXXX we were informed that the rate had been locked and we would be closing soon. On XXXX we were sent the final closing disclosures and Velocio mortgage had to remove the {$4100.00} credit and could provide no explanation other than they intended that credit to offset our taxes and had decided not to offer this credit. We feel that this was misleading, because throughout the loan process that credit had been part of our disclosures. Without that credit we were unwilling to pay the rate that they offered. Velocio Mortgage and XXXX XXXX XXXX  XXXX understood that by not offering the credit they would put us in a bad position and therefore would force us to pay them an additional {$4100.00}. We did not agree to the revised terms the day before closing. This is really unethical treatment especially for a company who has all of your financial information and understands the position that theyre putting you in. We hope you will review this complaint so that other people dont end up in the same position. 

Best regards, XXXX XXXX
Consumer complaint received 2021-11-28
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: CITIBANK, N.A. (KY)

On XX/XX/XXXX the Home Depot credit card XXXX initiated a hard credit check on my account without my authorization or knowledge. Ive been a card holder with them since XXXX. I called to ask them about it and I spoke with a supervisor named XXXX, her operator number XXXX. She denied that they did it? She told me XXXX did it? So I decided to call the next day and I spoke with XXXX another supervisor his operator number RAW XXXX. He told me that they did initiate it and then it was an accident because I never authorized it and then he was sending a letter to XXXX to have the hard inquiry retracted. I received a letter from XXXX XXXX cardmember services telling me that they can not locate where they did the hard inquiry, it shows on my XXXX XXXX and on my XXXX report that they did do it. This letter is asking me for my Social Security number and they want me to prove to them that they did it? I keep getting conflicting answers from the XXXX XXXX card? I dont know if its fraud on their part or not so I canceled my Home Depot card and I have put a freeze on my credit. I just want the hard inquiry removed since I never authorized it and I cant get a straight answer out of them at all and according to XXXX they need my permission to do this and they did not have it. XXXX XXXX XXXX XXXX keeps denying they ever did this all except for the XXXX person I spoke with, I included a picture of the letter that they said theyre denying knowing about it. Clearly they did it as you can see in the attachments of the inquiry on my report