davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (IA)

Transunion is reporting inaccurate and nonfactual data /information on Accounts XXXX XXXX # XXXX and # XXXX. They are reporting inaccurate Past due amounts, a false Balances which has increased even though accounts are closed, and amount is paid in full Transunion is also reporting accounts open when in fact they are closed these are all are negligent and inaccurate reporting and nonfactual. reporting Inaccurate information and nonfactual information is not in compliance with the FCRA. Should Transunion continue in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Transunion 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt which has been paid against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus without validation and continued reporting of inaccurate information it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed and deleted from my credit report.
Consumer complaint received 2019-02-19
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: Experian Information Solutions Inc. (PA)

XXXX will accept new business on any day of the year and calculate initial billing according to the start of service date. However, when customers transfer service to other providers, XXXX has a 'sore loser ' practice of overbilling exiting customers on their final bill and a practice of refusing to make corrections to the bill. Their practice is to bill exiting customers for an entire month of service no matter what day of the billing cycle the customer cancels service. This can not be legal for them to bill exiting customers for products or services they do not provide. For instance, if I cancel my service with XXXX 5 days into the new billing cycle then I should fairly be billed for those 5 days on my final bill. However, their practice is to charge outgoing customers for a full 30 day billing cycle no matter the day of cancellation and invoice all sorts of inaccuracies on the final bill. Apparently, there is such a huge volume of mobile service accounts that become collection issues that the major credit bureaus very freely accept anything the major mobile service providers report as no burden of proof is placed on them to show what products or services the reported balances are for. I have disputed their false charges several times and they simply need to send any of the major credit bureaus a one page - one line bill that reads 'charges ... .... $ xxx.xx ' and the credit bureaus deem it valid. I'm sure the major credit bureaus are not out for accuracy either because they're doing well from these false, unethical billing practices used by the major mobile service providers. There needs to be a consumer protection intervention because accuracy and ethics have gotten swallowed up by the mountain of mobile service transactions in commerce and consumers are getting trampled by sloppy, inaccurate and egregious billing practices. I really hope someone takes time to look into the magnitude of this problem. Thanks for any help you can provide!
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NY)

After receiving the letter from Sunrise credit services about a collection notice regarding the balance from a utility company. The account number was incorrect on the notice. After investigating, I found the utility company balance was from a property that was sold by me almost 1 and year half ago. I did not receive any notice from the utility company regarding any unpaid balance. Since, my understanding was that all accounts are cleared of balances due at the time of closing. Now, when the collection agency sent the letter it had a date on the letter stating that if I communicate with the collection agency before XX/XX/XXXXXXXX of XXXX, they must stop any collection actions and further investigate the charges. But, they instead reported the collections on my credit report on XX/XX/2023. I have communicated via email to them, explaining that the balance was paid in full to the original creditor after the utility company confirmed that the balance belonged to me. But I never received any letter from the utility company after I sold the property. So, now even the balance is paid in full to the original creditor. Collections agency is not willing to delete the collections reported on my credit report. 
Kindly help .thank you
Consumer complaint received 2023-03-16
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

On XX/XX/2022 at approximately XXXX, I received a phone call from who later discovered was Midland Credit Management XXXX They asked if I was XXXX XXXX, and I asked who they were, and they said they were with Midland Credit Management, and asked again if I was XXXX and if I was XXXX XXXX 's husband. I asked again, why they were asking and what it was about, they said it was regarding a financial business matter with XXXX and asked again if I was her husband. I finally said that I was XXXX 's husband, and then they said they were with Midland Credit Management calling about a debt with XXXX XXXX Credit Card with a balance of {$840.00}. They then asked what the situation was to make us fall behind and how we were going to resolve this. I told them they were violating federal and state laws by talking to me about her debt and not to call me again. The representative kept on and told me that if I live in Arkansas they can talk to me about it. I told them that they were violating federal law by talk to me and they didn't need to contact me again. They continued to try and talk to me about her debt, and finally I told them that I would filling a complaint with the Arkansas Attorney General, US Attorney General, FTC, and filling a lawsuit for violation right under the FCRA and FDCPA, and hung up. 

This is in clear violation of Title 15 USC, Chapter 41, Subchapter V, Section 1692b ( 2 ) and Section 1692c ( b ), which states that they may only ask location and contact information from a 3rd party, but may not disclose any information relating to the debt, like creditor name or amount of debt. Arkansas has a similar law, ACA 17-24-504 ( b ) and 17-24-503 ( 2 ), which says pretty much the exact same thing.
Consumer complaint received 2023-03-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  Services # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BOEING EMPLOYEES CREDIT UNION (WA)

BECU closed account XX/XX/XXXX and continued to report late payment after account was closed. 
I submitted complaint through CFPB and BECU stopped reporting but did not remove the additional reports. 
complaint ID XXXX As of XX/XX/XXXX BECU started reporting late payment on this closed account AGAIN.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OH)

Ashley Furniture HomeStores/SYNCBis u nder violation of the law, according to the letter from a previous dispute. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the c
onsumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

The term affiliate means any company that controls, is controlled by, or is under common control with another company.

Ashley Furniture HomeStores/SYNCB states in the letter that the account was charged off and placed with XXXX XXXX XXXX XXXX XX/XX/2021. 

Ashley Furniture HomeStores/SYNCB later states in the letter that the debt has not been

discharged. This is unfair and inaccurate reporting.
The debt should not be showing as " charged-off '' on my consumer report.

Subsequently, creditors are obligated by law to report fairly and accurately to the consumer agencies under the FCRA.

" We will continue to report the status of your account to credit bureaus '' " Since Synchrony Bank has not discharged this debt, a Form 1099-C has not been issued. " SYNCB completely disregards the law from the IRS and the FCRA.

Please remove this account as being " charged-off '' from my consumer report.

SYNCB has an obligation to follow policies and procedures under the FCRA. The letter shows that the communication to XXXX XXXX XXXX, that they are in clear violation of FCRA and uses unfair debt collection practices.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (VA)

Comenity Capital was involved in a lawsuit that I was a part of. They used misleading terms and advertising to get me to sign up for 3 credit cards. I have contacted XXXX XXXX XXXX over 20 times to explain and send a copy of the settlement. 
They have never I am disputing these collections. I was relived of my obligation to these accounts. In addition the dates on the 3 accounts are all wrong and they change form open to close all the time. I Also when I called the last time, they threated to sue me. 
There are 3 accounts {$1900.00} {$2700.00} {$2200.00}
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DC)

Opened new savings account in late XXXX with min $ XXXX deposit as advertised. Failed to receive an {$800.00} bonus after the maximum 82 day waiting period. Notified Citi many times. I think many other bank depositors are suffering the same problem as I was just finally told there is a backlog. This seems to be an intentional deceptive national practice that allows Citi to earn interest on customer money illegally. I suggest that an investigation be opened immediately.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (UT)

XXXX XXXX XXXX XXXX myprepaidcenter.com states that once activated " it can be used EVERYWHERE VISA is accepted. '' Come to find out this is not true. The statement made on their website is false! 

I tried to use it to pay for my hotel room they would not accept it even though they accept Visa in the same thing with our breakfast. 

I would simply ask that this agency require this site to change their literature to accepted " MOST '' places visas accepted. 

Or for XXXX to reimburse in cash or debit
Consumer complaint received 2022-08-04
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. (LA)

This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 XXXX Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX ( Fraud Victim Assistance Department XXXX XX/XX/2022 XXXX I provide a police report which I forgot to upload in my last complaint
Consumer complaint received 2022-08-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (TX)

My auto debt was originated with Sun Trust Bank. Truist Bank later purchased this debt servicing. When I try to resolve the debt with the charge-off department is not available. The contact information is nowhere on the website. You have to call and be placed in an automated queue. This continues to negatively impact my credit. This appears to be a deliberate act to keep accounts open infinity for leverage while shadow-banning my credit worthiness.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (GA)

On XX/XX/2022, I submitted a dispute and documentation for unauthorized inquiries to be deleted off my credit report. On XX/XX/2022, I got a reply saying these inquiries were deleted off my Equifax credit report. When I check my credit today, on XX/XX/2022, the inquiries are still there. Attached is verification that these inquiries should not be on my report. 

Inquiry : XXXX should be deleted from my Equifax report XXXX 
Inquiry : XXXX should be deleted from my Equifax report XXXX
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

Several weeks prior to today XX/XX/2022, I talked to US Bank about making sure my accounts did not get over drafted so I wouldnt get fees. She assure me that they would not. Fast forward to today XX/XX/2022, I noticed my checking account was overdrawn because a reoccurring debt that I have set up for auto draft was pushed through I called customer service they said well sometimes that happens anyway and youll still get an overdraft fee but theres nothing we can do about it I said that makes no sense how can you tell me that its all shut off and I opted out of it so I wouldnt get fees and here they are still forcing certain transactions to go through so you were forced to pay fees and become even more in debt to me that seems like theft.
Consumer complaint received 2019-02-19
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. (VA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX and XXXX   XXXX
Consumer complaint received 2023-03-16
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: City Enterprises, LLC (TN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (FL)

I was checking the balance on my prepaid VanilaGift card at approx XXXX on XX/XX/2022. I clicked on the first website ( it said ad... mimicked the official site ). I put in my card info and it didn't give me the balance ... .i looked closer at the web address and it said Vanillasgift.com instead of Vanillagift.com. AGGHHH I immediately called the number on the back of my card ... while I was on hold XXXX was taken from the card. Finally after about 20 minutes a customer service guy answered to tell me he put my card on hold and that I would need to call back tomorrow to dispute the charge. I asked why I couldn't dispute it now? Don't pay it! He said that's all he could do.End of call. I called back and asked the young woman, that answered after 20 minutes, why do I have to wait until tomorrow? I explained the fraudulent site to her as well. I asked her please to not let the thieves get the money... stop the charge! She said I could call the merchant ( UHHH nooooo! they have a fraudulent website ) She said that the merchant 's name is ANY SENSE ( ouch ) that they are out of Georgia and their phone number is XXXX XXXX XXXX ( careful!!! They are scammers ) She also said to call back tomorrow after they post the charge. I pleaded for them to not pay the scammers. She informed me that they would have to willingly give back the money. AGGHHHH I will dispute the charges tomorrow as they told me to. I can not afford this loss.