davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE (NV)

I made a purchase using an XXXX XXXX credit card back in XXXX of XXXX. I went to go make my payment when it was due but when I went to make the payment, I could not get into my account online. I called customer service and found out they gave me a new account number as the company had gotten bought out. The representative I spoke with helped me pay and ensured me I would have no late fees as I did not even know, nor was I notified that I was given a new account. 

Then in XXXX of XXXX, I received an additional bill of around {$35.00} as a late fee from the XXXX statement. I immediately called the company and they said it was a fluke and that I would have a {$0.00} balance soon. I was told I just needed to wait another billing cycle to get it fixed. 

Then I got a statement in XXXX showing a new late fee from the previous late fee back from XXXX of XXXX. I immediately called the company and asked to speak with a supervisor. I was told that my account was not showing a XXXX dollar balance, and that it was showing XXXX late fees. I went through the process of having them try to remove the late fees again and was told that it would be fixed on the next billing cycle. Then I got another bill towards the end of XX/XX/XXXX with the same amount. I immediately called them ( again ) and spoke to another supervisor, and had them create another ticket to get it resolved. I was informed that the ticket would be expedited, and that I would be called when it got resolved. I have yet to be called. Mind you, all of these calls are recorded. 

Fast forward to now, I just got another statement on XX/XX/XXXX, showing an additional, third, late fee from the original one back in XXXX of XXXX. This was even after I had spoken to a representative XXXX times being ensured XXXX different times that my account will show a XXXX dollar balance on the next billing cycle. They are lying through their teeth and being extremely dishonest. 

These late fees are affecting my XXXX XXXX and clearly whoever is working for the XXXX XXXX credit card services is not doing their job and is being fraudulent about what they are doing. I plan to call them again in the morning, but this has been going on for several months. And it is time they be reported.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

My credit score with TransUnion has been XXXX for a period over 12 months. In XXXX in dramatically declined to XXXX and has stayed there until today, XX/XX/2020. Nothing on the report, including inquiries, derogatory marks, collections or public records have said to change. But yet my score still dropped over 100 points for what reason?
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My wife and I sent out our house payment priority mail on the XXXX of XXXX. Specialized Loan services LLC. Received the payment on the XXXX of XXXX and it was signed for upon reception. Specialized Loan services did not process the check and in fact have not to this very day. And now they want to charge me a late fee. I tried calling them on the phone only automated services on the phone. I kept pressing for an agent but, " due to Covid-19 '' blah, blah, blah. 
Look, I have paid my house payment on time for 25 months now and no problems until now. I already read that this company plays these games and I am not going to stand for it. I am trying to get my credit back up so I can refinance my house and they know that and want to keep me on the hook with them. I have the USPS receipt and documentation showing that they signed. This is not the time to be playing with peoples homes I mean I made it through the XXXX ' housing market crash. These guys are just trying to squeeze me for a dollar. This isn't right and I'm contemplating driving to their office and making a scene.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

NOTICE OF DISCRIMINATION AND Default and opportunity to cure YOU HAVE FAILED TO DO YOUR FIDUCIARY DUTY IN PROFORMING YOUR DUTY TO EXTEND CREDIT TO APPLICANT AFTER IN GOOD FAITH I EXTENDING CREDIT IN STEAD YOU XXXX XXXX HAS DISCRIMINATTED AGAINST ME SO NOW AM HOLDING PERSONALLY LIABLE FOR THEFT THE UNAUTHORIZED UES OF MY CREDIT CARD YOU RECEIVED ALL BENEFITS AND PROCEEDS FROM THAT TRANSACTION AND I THE CARD HOLDER RECEIVE NOTHING BUT DISCRIMINATION FEDERAL LAWS HAS BEEN BROKEN YET YOU FOUND NO IRREGULARITIES OR TREAMENT ON ANY PROHIBITED BASIS. ALLY DENIES IT VIOLATED ANY FEDERAL OR STATE LAWS STATE LAW VIOLATION O. C.G.A 16.9.33 STATE LAW VIOLATION O.C.G.A 10-1-439.2 Federal Law violation 15 u.s.c 1691a Federal Law violation 15 u.s.c 1602 ( f ) Federal Law violation 15 u.s.c 1602 ( p ) Federal Law violation 15 u.s.c 13 Federal Law violation 12 c.f.r 1002 Federal Law violation 12 c.f.r 202 Federal Law violation 12 c.f.r 202.5 ( 5 ) These are the laws you have broken there probably more that I havent found yet These are irregularities and prohibition violation you just wasnt called on it I am demanding to see your books, your ledger, your files, your audit trail, whatever you use. all the documents associated with these transactions. validate these transactions that it was legal And as now am holding you XXXX XXXX personally liable for theft and willful noncompliant criminal liability for willfully knowing and violation. 
After extending my credit I am expecting adequate compensation Ignorance to the law is no reason to break it Notice is complete upon receipt Yours truly
Consumer complaint received 2023-01-27
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: Professional Debt Mediation, Inc. (FL)

Im sorry I had no Knowledge that this was XXXX XXXX working with Professional Debt Mediation Inc. I did not expect them to be reporting anything to my credit considering the fact I never signed a lease with them! Unfortunately this information the company provided is misleading. I was never prompted to pay {$120.00} application fee. The manager at the time XXXX XXXX told me I had to bring the application fee into him. He ran my application FIRST without collecting the fee. I attached emails of XXXX XXXX sending me the application through email and me sending the application back to him, and of me asking XXXX XXXX if I can come and bring the application fee in and him responding " Thank you, XXXX, received, We are reviewing ''. XXXX XXXX did not mention or inform me when to bring the fee in. Once I was denied the apartment XXXX called me and told me I was denied. He did not collect any fee from me. XXXX did not follow company procedures of collecting application fee first before running my application. I was never sent any form or payment authorization to run this application fee to where I could even deny payment. Therefor they can not make this as a debt owed! The company procedures was not followed and they are serving the consequences to the applicants.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my endeavor again to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt. 
it has been over 30 days and you are in violation of this law because I am a victim of identity theft. 
I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

I received an alert from XXXX notifying me that there was a collection posted to my credit report on XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX is the the collection agency. The collection Amount is {$2100.00}. On XX/XX/XXXX, I contacted XXXX XXXX at ( XXXX ) XXXX to find out what this was about. I spoke with XXXX at XXXX. She informed me that this collection is in regard to XXXX XXXXXXXX XXXX received by XXXX XXXX on XX/XX/XXXX. I informed her that I'm not XXXX XXXX, nor do I know any XXXX XXXX. I also informed her that I have never received any XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX informed me that she would have this collection removed from my credit history. Prior to this collection posting on my credit report, I have never had any communications with XXXX XXXX or XXXX XXXX. This has negatively impacted my credit rating and damaged my credit score significantly.
Consumer complaint received 2020-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX , Ohio- I filed a dispute based on my car loan being reported as 30 days late numerous times after I had obtained an extension on my loan. My vehicle was paid off in XXXX. 
XXXX XXXX XXXX XXXX  retaliated against me by reporting me again to Transunion Credit bureau based on my dispute. 
XXXX I called XXXX XXXX XXXX, to ask them why they reported me again as delinquent, when my car was paid off in XXXX. They stated that since they had to correct the information on my report, they did another review. On further review this was not correct, so they had to report me again. I understand that during these difficult times customers are unable to pay their car loans, but I find it very egregious of XXXX to do this, what would be the point of this kind of behavior towards a customer that had paid her car loan completely. To date, XXXX has not agreed to correct this misinformation.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

sent a letter on XX/XX/23 letting bank of america know they was violating my consumer rights. they sent me a letter back that had nothing to do with what i sent them. i will be uploading and keeping records of everything before taken the next steps to get remedy. 

Gramm-Leach-Bliley Act
Consumer complaint received 2023-01-27
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-27
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the Following items ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} US DEPT. OF EDUCATIO XXXX Opened XXXX XXXX, XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1700.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$8500.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} US DEPARTMENT OF EDU XXXX Opened XXXX. XXXX, XXXX Balance {$2000.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$960.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$100.00} XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX Inquiry : JXXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.