davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA (CA)

I was mislead by Apple Mastercard aka Goldman Sachs to close my account in order to get XXXX interest as I am facing financial difficulties due to low income and XXXX XXXX. A team instructs me to close it and garentee no interest will be further charge and I will speak to a financial representative to plan an affordable monthly payment as I asked for a financial assistance program. However now they closed my account and said the team wasnt trained properly so now I find my self with penalties on my credit score with high balance credit card close and monthly high interest which I cant afford. I although I complain several times to their management nothing has done. I need to file a complaint to cut to XXXX interest for misleading and restore my credit score
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express has blacklisted me after 40 years of being a loyal card member. Although I have been black listed I am paying off my American Express cards and not late with any payments. Despite my paying off the balance of the Am-Ex cards in a timely manner American Express has contracted a collection angency, who is calling/harassing me to collect the Am-Ex debt which I am paying off on time. As a result of Am-Ex placing my account into collections my credit score has plummeted over 100 points. American Express has hired XXXX XXXX  XXXX as the debt collectiion agency who is harassing me despite the fact I am making timely payments to my American Express account. XXXX XXXX XXXX have repeatedly called me and are harrassing me for a debt that I do not owe. My payments to the American Express accounts they mention are current and I have no late payments to American express. The Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) expressly prohibits creditors and debt collectors from making false and misleading representations to consumers. To this point the American Express accounts XXXX is calling me about are current and I have made no late payments. I am using American Expresses online portal to make payments since my account was black listed by them. Under direction of American Express, XXXX continues to call and harrass me for a debt that is current with payments. ( See CFPB complaints XXXX and XXXX as a reference to this matter ) XXXX attorney 's that call me do not identify themselves by name and are aggressive. I have not recieved any mail from XXXX and their response to my CFPB complaint about them was the first I am learning they are calling/harassing me about an American expess account that is current. American Express attempts to collect debt that is current with payments are unwarrented and destroying my credit scores with credit reporting agencies. I am asking American Express and XXXX to stop harrassing me and will escalate my complaint to the United States Federal Trade Comission and other government agencies, including the FBI if this harassment for a debt I do not owe does not stop immediatly. American Express is violating the FDCPA laws through sending a debt I do not owe to a collection agency that continues to harass me. American Express needs to stop the illegal collection activities and update false information they are reporting to credit agencies which is severly impacting my current credit scores. Very Truely Yours
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX. I shared my experience with XXXX. It was not mentioned at all during the sales process, by the finance head. 
I traded the XXXX XXXX XXXX. As requested, I called XXXX to get the pay off amount. The Accountant was on the phone with me. We both talked with XXXX representative. My account was in good standing. I had no past due balances and owed no payments to XXXX. I drove off with my new vehicle which I have now and pay my car note on time monthly. 
On XX/XX/XXXX, XXXX 's XXXX XXXX XXXX delivered a check in the amount of the Pay Off quoted to myself and XXXX 's accountant to XXXX. 
XX/XX/XXXX XXXX deposited the check. 
XX/XX/XXXX, I received a " Past Due '' car note bill from XXXX stating that I owed XXXX an additional {$220.00}. and change. I immediately drove to XXXX 's and met with the Accountant who was not happy with the bill. We called XXXX. Spoke with a representative who did not have authority to look at accounts. The XXXX 's Accountant had a copy of the check ( both side ) emailed to him and shared the date the check was hand delivered and deposited. I went ahead and paid the alleged balance and requested a letter from them stating the the balance was paid in full. XXXX 's cut a remembered me right then and there. 
XX/XX/XXXX, XXXX charged my credit card an additional {$16.00} as payment for a late phone. My bank retrieved that money back. I then found that XXXX posted on the 3 credit bureaus reports that I was late paying my account for 60 days. 
I have proof that I am never late with my car payments. My bank statements show that I paid my monthly payments on or before time. I have sent XXXX XXXX XXXX copy of the Pay Off check and documentation of the monthly payments listed on statement.
Consumer complaint received 2022-07-14
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: I.C. System, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-08-21
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-03
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (OH)

This is a follow up to my initial complaint ID XXXX which I logged on XX/XX/2021. I feel that as a result of me having lodged this complaint, the company decided to retaliate by sending me an official declination letter which among many things does not make sense at all. First and foremost, I used to be an Underwriter and XXXX of the very first things I would do when I receive an application would be to evaluate the character, XXXX, credit worthiness of an individual and when I felt that it fell within the parameters of an acceptable risk, then I would move towards analysing other factors like capacity, collateral etc. This company as I mentioned in my initial complaint was my mortgage company and I had decided to refinance with XXXX loans and the refi was set to close end of XXXX. When XXXX requested a payoff statement from XXXX, they ( XXXX XXXX came to me and advised me that they would refinance my loan and offered to beat any rate that I was offered by XXXX. They requested that I send them the mortgage disclosure from XXXX after I had made an application with them. They locked my rates and on XX/XX/XXXX, I received a text message from them saying I was conditionally approved. All the other details have been provided in my complaint XXXX. My concern is that this company is not only practicing deceptive and unfair practices given that had they not interfered with my original decision to refinance with XXXX, I would not be dealing with this. They are also now applying retaliatory tactics by sending me an adverse letter after I filed a complaint against them and in XXXX of my emails to them, I copied CFPB email. If I was such a risk in their books, I am sure they would have been happy to see me go when I refinanced with Quicken, but now they are sending me a declination letter and after all that, I will continue to remain their client albeit against my wish. Not only has this caused me much anguish, it has tainted my credit due to the unnecessary inquiries by them. I strongly feel that this is not an isolated case that only affects me.
Consumer complaint received 2024-05-23
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC (IL)

Five Lakes Law Group engaged in deceptive business practices, falsely promising debt reduction and financial improvement. They are not licensed to practice law in Illinois and misrepresented their qualifications. They charged excessive fees, exceeding the 15 % cap set by Illinois law, and instead charged 27 % of the total debt amount. Despite paying substantial fees, they failed to provide the promised debt settlement services, which worsened my financial situation and credit score.As a direct result of their actions, I am now being sued by XXXX XXXX. Their attorney is aggressively pursuing the lawsuit, which could lead to the garnishment of my bank account. This situation puts me at risk of becoming homeless and completely destroying my credit history. We are currently suing Five Lakes Law Group for these violations and the severe personal and financial harm they have caused.
Consumer complaint received 2024-07-02
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC (KS)

Five Lakes Law Group used deceptive business practices, promising to resolve my debts in a reasonable time limit. They charged me excessive advanced fees, misled me with their promises to settle debts with particular lenders, such as XXXX XXXX, and failed to inform me about my rights to funds that were left over in my escrow account. 

I enrolled in this program XX/XX/XXXX under the false pretext that it was better to go this route than apply for a consolidation loan to pay off my debt on my own. I specifically asked XXXX XXXX if I could terminate this service at any time and if I would be entitled to any excess funds in my escrow. He assured me that I could terminate anytime without any penalties. 

In the past year, I noticed that my deposit payments were increasing and that only XXXX lenders ( XXXX and XXXX XXXX ) had been contacted for settlement. I also noticed that an excessive amount of funds were going towards fees that had not been explained to me previous to signing the contract. 

I also noticed that settlement fees that were supposed to be paid to XXXX XXXX  had been returned and not re-issued. There were XXXX payments paid, XXXX {$760.00} and XXXX {$780.00}. Both of those payments Failed on XX/XX/XXXX and the funds were not re-issued. 

I made deposits of {$9900.00} and was charged {$8400.00}. I have yet to get an explanation regarding the {$1500.00} that should be refunded back to me, since they double charged me with their settlement fees and only attempted to settle XXXX debts.
Consumer complaint received 2022-07-14
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. (VA)

This is my six 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 an 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 Balance : {$0.00}
Consumer complaint received 2023-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under en open end consumer credit plan as late for purpose.
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AmeriCollect (WI)

Americollect XXXX XXXX XXXX XXXX, XXXX, WI XXXX I recently contacted the above company by mail concerning verification of debted accounts. I requested original documents that they have with my signature connecting me with those accounts which I have the right according to the FDCPA. They have not provided me with the said request thus far. By reporting this to the credit bureaus they have damaged my reputation and credit worthiness, and may be in violation of other federal laws.
Consumer complaint received 2021-05-04
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. (LA)

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX XXXX was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late I have been trying to get this resolved since LAST YEAR and none of these credit bureaus will respond and I mean NONE of them ... this is getting out of hand. 

I need these accounts validated or deleted immediately XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LOUISIANA XXXX
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

I filed several complaints against American Express for a business credit card that they tried for years to pass as a personal credit card. I received in the mail today, XX/XX/2021 the attached letter from American Express that appears to confuse the reasons for the original complaint where American Express letter implies that I claim a third party committed fraud against me when i never made such allegations in any of my complaints. 

what I have alleged is that American Express collection employees are the ones who have committed fraud by passing a business credit card account as if it was a personal credit card account because they could not recover the payment against the business after the business closed down. 

it is the dishonesty and unlawful conduct of the American Express employees that need to be addressed and should be questioned and fired for knowingly committing fraud by claiming a business credit card issued under a business name and tax ID number made the leap to somehow be a personal credit card. 

i have attached proof that this account is a business account issued to a corporation using an account statement from American Express that shows the account owner was a business and the card was a business XXXX XXXX.
Consumer complaint received 2021-05-04
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: Exeter Finance, LLC. (TX)

Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604
Consumer complaint received 2022-12-27
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-05-04
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. (PA)

I am a victim of identity theft and it is effecting my livelihood my family will be homeless soon do to fraudulent information/ inaccurate on my file this is destroying my life Im under a lot of pressure with few to no options running out of time please investigate and remove inaccurate info Hard Inquiries XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX Collections XXXX XXXX Reported : XX/XX/XXXX + {$350.00}
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This account appears on my credit report but it was opened fraudulently. transunion refusues to help me so I called the FTC and was told about this letter. I sent it to Transunion and they have not responded.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (GA)

I sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : XXXX  # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc. (OH)

I have disputed this " collection '' through XXXX and XXXX with no avail. Please see attached for details associated with the dispute. I had made contact with XXXX on several occasions. Noting the attached XXXX visa statement where the credit was issued ( charged in error ). Only later to find this on my credit report. I moved from the home in which I had XXXX services. When I contacted them, they stated they had sent to my previous address. I never once received a phone call or voicemail, I was told to leave the equipment and still paid another invoice for ~ {$1400.00} in addition to the collection charges. I immediately paid the collections thinking this would be removed from my credit report. Please read the attached document for further details.
Consumer complaint received 2022-08-21
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. (FL)

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 USC 1681. 


1.XXXX bank # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 c ( 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.