davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (MA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC (AZ)

XXXX XXXX XXXX XXXX was called out to my townhouse, which is a rental, to work on the shower in my master bath ( XXXX and XXXX, my property management company, was XXXX XXXX XXXX 's contact for me ). Their invoice states that they worked on the " shower valve body - pipe mods '' and apparently gained access to the plumbing by breaking out the tile around the faucet. The work was billed at {$550.00}. The work was so shoddy that the tenant could not take a shower because it was leaking and the hole created when they broke out the tile around the faucet was so unnecessarily large there were open gaps around the shower faucet. In order to correct the problem, I had to hire another plumber ( XXXX XXXX XXXX XXXX who charged me {$340.00} ) to repair the faucet enough for the tenant to be able to use the shower. In XXXX XXXX ' statement they say " The customer ( myself ) had other person install valve and broke tile. Shower trim does not completely cover hole in tile. '' To keep water from leaking down behind the wall, we had to cover it with duct tape as a temporary fix. I tried calling XXXX XXXX XXXX at XXXX several times on XX/XX/21 and no one picked up so was unable to leave a message. I also tried emailing XXXX, provided my email, phone number and the invoice no. and asked that someone contact me regarding the work. I've never heard anything back from the company. The only contact has been recently from a creditor ( Recovery Solutions Group , LLC ) with a letter dated XX/XX/21 and then a phone call today, XX/XX/21 ( they left a message ). 

I don't believe this company should receive payment for such poor quality work.
Consumer complaint received 2021-06-30
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. (NJ)

MY REQUEST WAS SENT XX/XX/XXXX AND NOT ONLY HAVE I NOT RECEIVED A RESPONSE IN A TIMELY MANNER OR AT ALL BUT THE INACCURATE INFORMATION IS STILL ON MY REPORT. 

I ASKED FOR THE DESCRIPTION OF THE PROCEDURES USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE DISPUTED INFORMATION, INCLUDING THE BUSINESS NAME, ADDRESS, AND TELEPHONE NUMBER OF ANY FURNISHER OF INFORMATION CONTACTED IN CONNECTION WITH THIS REINVESTIGATION AND WAS IGNORED. 

THIS BEHAVIOR IS UNACCEPTABLE AND IT IS CLEAR THERE IS NO RESPECT FOR FEDERAL LAW OR MY RIGHTS AS A CONSUMER!
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have been disputing accounts with the bureaus for a long time and have not received any results from the bureaus. It has been over a year and my credit looks exactly the same. No inaccurate items have been received, this is ridiculous. I will attach the most recent letters but there have been many previous to this.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

On XX/XX/2021 I received a letter from CACi in regards to an account owed to XXXX XXXX XXXX that was sold to XXXX XXXX XXXX and apparently being handled by CACi for collections. This letter was dated XX/XX/2021 but did not receive the letter until XX/XX/2021. The letter was the initial dunning letter per FDCPA, offering a settlement that expired in 60 days, outside of the validation period. I am neither confirming or denying that this account was owed however I wanted to simply pay it off since I am in the process of closing on a home. For this reason, I took their offer and paid the resolution amount of {$270.00} with a write off of {$68.00} on XX/XX/2021. I thought this had resolved the account however on XX/XX/2021 it was reported to my XXXX report. This is extremely unfair and abusive as I was not given sufficient time to resolve the debt and just recently received a notice and took care of the account immediately. I was told by their rep that the account would be closed and returned to the current creditor and trademarks would deleted from my XXXX.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (IN)

Debt from more than 3 years ago, which is not valid of {$100.00} Have repeatedly contacted company for verification of debt including CERTIFIED MAIL ( have card signature verification that was received ) on XX/XX/2021. Company will not responded. 

Also sent CERTIFIED MAIL ( have card signature verification that was received ) that contact was to cease and communication was to be through mail. Company continues to call. 

Company has reported this account to all three ( 3 ) credit bureaus. I have kept scrupulous records that include dates, names and atte
mpts at communication.

My rights have been violated under the FDCPA in multiple instances.
Consumer complaint received 2020-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( TransUnion, XXXX, and XXXX  ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all XXXX credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

I am writing in regard to a recent line of credit I established through the XXXX XXXX credit card offered by Barclays at the beginning of XXXX of this year. I applied for this card while booking a fare on the XXXX website and clicking on a banner in the sidebar of their webpage. This took me to a Barclays site where I was able to apply for, and receive, an approval for the card and an initial line of credit. As part of this offer, XXXX rewards points, and a statement credit of {$250.00} were offered after spending {$1000.00} on purchases and paying the {$99.00} annual fee within the first 90 days of having the card. However, a couple weeks later I was reading online about the same XXXX XXXX card, but this one offered XXXX rewards points instead of XXXX. I followed the link to a different section of XXXX website and found the same card and benefits, just with a higher reward offer. 

I next reached out to Barclays about the discrepancy and asked them if they could retroactively apply the offer with the higher point return, but the representative said he was unable to do so and that I should reach out to XXXX. Similarly on XXXX end, they seemed to just talk in circles without acknowledging the inconsistency of what they are presenting. What concerns me about this is the lack of responsibility XXXX is taking in maintaining two vastly different reward incentives on their own website for the exact same card. If you happen upon it through this web page, then lucky you, you get the XXXX points. If you only see the banner while booking a flight, then its only XXXX points in your case. 

I could see if I was on an outside site like XXXX or XXXX, that it might explain the difference in the offers. But to have two different offers on the same site, for the same card, feels like being in a store with the same merchandise and pricing it differently based on the way customers enter the business. After navigating to the XXXX website today, these two offers are still being presented in two different locations.
Consumer complaint received 2021-06-30
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. (NJ)

I submitted 3 disputes with TransUnion over the past 3 months. Each investigation led to TransUnion updating the balance on my collection but not actually removing the collection. The creditor advised if I paid in full that they would advise credit bureaus to delete the payment. TransUnion says the creditor confirms this is accurate but how can this be the case if XXXX has deleted the collection per my request?
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TN)

I received my credit report and it showed an account for COMENITY/XX/XX/XXXX I did not open or use this account. I did not live at the address that this account was opened at.
Consumer complaint received 2021-06-30
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)

XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence.

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX data breach and may have got into the wrong hands.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NH)

In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXX XXXXXXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed sleep medication to help deal with my anxiety about potentially losing our home. I have missed several days of work due to my XXXX. 
As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. 
I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my anxiety and XXXX.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Bitstamp USA, Inc. (PA)

I am writing to file a complaint against Bitstamp regarding significant issues with accessing my account and unacceptable delays in their customer service response. This has caused me considerable financial hardship as I am unable to access my funds. 

On XX/XX/year>, I initiated a request to change the email address associated with my account. This was necessary because I no longer use XXXX products and can not access the XXXX email address linked to my Bitstamp account. 

Following Bitstamp 's instructions, I provided all requested documentation, including a photo of myself with my identification and a handwritten note stating " For Bitstamp Only, '' clearly dated. Despite this, I have encountered repeated obstacles and delays. 

Here is a timeline of the events : XX/XX/XXXX : Submitted email change request with required documentation. 
XX/XX/XXXX : Instructed to schedule a video verification call. The earliest available appointment was XX/XX/XXXX. 
XX/XX/XXXX : Scheduled video call canceled due to technical difficulties on Bitstamp 's end. 
XX/XX/XXXX : After a four-day delay, I completed the video verification call with Bitstamp representative XXXX XXXX and answered all questions truthfully. It was revealed that my account was suspended because the new email address I provided was linked to other Bitstamp accounts. I explained that these accounts were created in XXXX and were inactive. 
XX/XX/XXXX ( cont. ) : XXXX XXXX assured me my case was escalated and a support ticket was opened. I was told to expect a decision within one week. 
XX/XX/XXXX : After multiple unsuccessful attempts to obtain an update, I spoke with Bitstamp representative XXXX, who promised to further escalate the case. 
XX/XX/XXXX : It has been nearly three weeks since my video verification, and I still have no access to my funds.
Consumer complaint received 2021-06-30
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)

In XX/XX/XXXXI sent out another letter regarding inaccurate accounts on my credit report. I have not received a response in regards to my request, which was way beyond 60 days, I started my initial dispute on XX/XX/XXXX which is almost 120 days inaccurate and unverified accounts that remain on and hurting my credit report. I still was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX  data breach and may have got into the wrong hands.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc. (TN)

Company name is Keynote Consulting this company is reporting inaccurate information on my credit report. 
Acct XXXX Here are both amounts and acct number for both charges are XXXX. 
{$1400.00} {$7000.00}
Consumer complaint received 2022-07-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-10-11
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. (TN)

I have found out that my identity has been stolen and it has effected my credit and me getting a home. I have supporting documents to get the items removed from my credit.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (MA)

Hello, This is in regards to the BMW of XXXX, MA service center installing a faulty radiator in my car XXXX which they have admitted to in writing ) and are refusing to fully compensate us for the damages. 

Attached you will find the emails, texts, service order invoices, time stamped and dated screenshots of my cars warning lights after multiple consecutive failed service diagnosis regarding the same radiator issues, a independent diagnosis from XXXX confirming the smoke and engine damage were possibly coming from the damaged radiator, and a invoice for the real damages fromXX/XX/XXXXXXXX  BMW in Maryland. 

My compliments to XXXX  BMW for diagnosing the smoke/engine failure issue within just a few hours of dropping off. As you can see in the notes of the service orders I had asked BMW XXXX to diagnose the smoke smell and same issues over three consecutive services, which they did not! XXXX  BMW immediately called us and said our car was no longer safe to drive on the highway. 

This means BMW of XXXX let my fianc and I drive away in a unsafe car after charging us thousands of dollars for service that never fixed the issue, yet completely damaged my engine which I serviced regularly and loyally at BMW service centers. 

As you can see in the attached documentation ; not only did BMW of XXXX install the faulty radiator they admitted to doing so in the attached emails and let us drive around with this defective part for 9 months. ( Unsafely ) As you know a faulty radiator is the way the engine stays cool and hence properly lubricated by keeping the oil temperature at safe levels. This most likely has cause irreparable harm to my cars engine and the expenses are much more than the car is worth. Ive taken really good care of this car at BMW service centers consistently since we have owned it and Ive put my faith in them to keep my car from damaging it self and possibly harming us in the process. 

My fianc and I had to get a hotel for two nights near the XX/XX/XXXX BMW service center, and had to rent a car to be able to drive back home to the XXXX area. Now we are stranded here without our car trying to recover from the covid-19 pandemic and feel abandoned and left with out any options. We are currently paying for a rental car in order to manage our daily lives. 

NOTE : my attached evidence file is too large to upload here, please send us a link to upload or email this information.
Consumer complaint received 2021-06-30
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. (CO)

I have two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.