davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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: SYNCHRONY FINANCIAL (MI)

This is a complaint on the advertisement practices of XXXX website and how they are luring customers to apply for their credit without asking for full XXXX and mentioning about a hard enquiry throughout the process. 

XXXX ) I selected XXXX as the payment type on XXXX XXXX and it redirected me to their website. 
XXXX ) I selected my XXXX credit card on XXXX 's website to pay for the flight and it suggested and gave me an option to use PayPal credit and I could get {$40.00} off from this transaction. 
XXXX ) It sounded like a credit limit BMPL companies like XXXX gives without doing a hard enquiry. 
XXXX ) They didn't mention at all that this is an application for a credit card and there will be a hard enquiry. 
XXXX ) They didn't even ask for my full social security number. 
XXXX ) After I applied for the credit card, they said I'm approved for {$5000.00} and gave me {$40.00} off from next XXXX transaction. 

The whole process is luring customers like me with {$40.00} to apply for their credit card without mentioning that there will be a hard pull and it can affect my XXXX XXXX. 

My score dropped by XXXX points in XXXX and XXXX points in XXXX.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (CA)

This alarm company that I signed a contract with was XXXX and XXXX was never a company I was in contract with The home was sold I called multiple times provided all the documentation to the original creditor they asked me to sign a new contract for my new home and told them I wasn't interested because getting ahold of them took an act of God. Attached above is the address of the property on XXXX XXXX that had the alarm system installed in it that again was broken multiple window magnets not communicating with the front panel making the system useless. 



I couldn't get anybody out to repair the current system that was inoperable for at least six months they told me if I could get the new buyer to sign a contract for this system I wouldn't be liable. 



I told him the home was sold and that the alarm services were no longer needed. 

plus during the process of the company monitronics you couldn't reach anybody no matter how many times you called. 

If you went on their website the XXXX number would just re-route you. 

I tried filing complaints sending through emails never got a response. 



I've made multiple service calls because there were multiple windows sensors broken no one ever returned my call/ They must have went about went out of business and sold the contract to XXXX which I never had a contract with to begin with.
Consumer complaint received 2020-08-24
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. (AR)

Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XXXX XXXX to get a correct statement on  tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe TransUnion and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA  standards.
Consumer complaint received 2022-12-12
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: SinglePoint GI (ME)

The first dispute with General Revenue Corporation was already closed and they stated that they closed the account and sent it back to the XXXX XXXX XXXX. They stated that the account would be removed from my credit report and to allow time for this to be processed. However, it was not removed from my credit report ( date of last activity was in XXXX ) and they have started leaving voicemails all over again. This account was illegally re-aged to appear as a new negative account as of XXXX although the date of last activity was in XXXX.
Consumer complaint received 2020-08-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Optima Advocates (LA)

I signed up for help with Optima Advocates 2 and half years ago, XX/XX/2018. I paid them for their services and for two years I have to beg and plead for some kind of update on my case. I get a generic response from some guy named XXXX XXXX. Every other person I spoke to has left the company. The director and underwriter do not answer emails or voicemails. Calling goes straight to voicemail and no response to voicemails or calls returned. It's been two years and my credit is destroyed and I can't get a response. Don't give these people your information. They take advantage of people with student load debt. They try to take out loans in your name without your permission. This company is fraudulent to the core, promises to help but makes you pay UP FRONT. BIG RED FLAG! Do not give them your money!!! I lost {$5000.00} in all this.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-08-24
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: General Motors Financial Company, Inc. (AR)

Hello, I have had an ongoing issue with GM Financial during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and GM told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. GM was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to GM. Therefore, GM has not received the payoff but were notified and has been updated again last week. GM ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA  standards.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification  back after that no other response was made to me.
Consumer complaint received 2022-07-20
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. (IL)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX Balance Owed : {$2400.00}
Consumer complaint received 2020-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (TN)

XX/XX/2020 I had a fence installed for my dogs. XXXX XXXX XXXX was the installer ( XXXX ). The recommended Mariner Finance ( XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TN XXXX XXXX ). The problem Ive had almost from the beginning has been a late charge of {$29.00}. The loan was conditional on my giving Mariner access to my checking account so they would be able to withdraw the payment each month. This was supposed to be set up in the very beginning. I ended up spending a considerable amount of time on the phone month after month. I was repeatedly assured that it was set up correctly. Last week I received a text telling me that I was late making the payment. This meant that there would be yet another late charge. As I mentioned previously the loan originated on XX/XX/2020. To date I have been billed 5 late charges of {$29.00} each for a total of {$140.00}. Im a XXXX veteran with health concerns that include XXXX XXXX. Calling the local branch and their headquarters in XXXX, Maryland ( XXXX ) has proven to be a complete waste of time. Im expecting that this has happened to others and a quick search on XXXX   verified this to be true.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent in a letter and I haven't received a response. What am I supposed to do to resolve this situation? This company XXXX XXXX  has closed my account, charged it off, and ssold it but they are still reporting that I'm late every month! They said my monthly amount is {$0.00}, but they're reporting me every month on this closed account, and they're trying to get paid again by doing this. This is false and inaccurate information they're reporting. 

I found out that in the Fair Credit Reporting Act, section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason immediately remove those items from my credi report, its been over 60 days so they should be deleted immediately. If they're not files as soon as possible 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 iinto the hands of the wrong person.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (NY)

I began receiving calls from Franklyn Collection Services regarding a {$64.00} - that's {$64.00} overdue bill from XXXX. I have never had an account with XXXX nor do we use XXXX services. I have kept an account for 28 years with XXXX. The calls were numerous daily, and I was threatened if I did not pay they would attach a collection to my credit accounts. I repeatedly asked for a copy of the original contract for this account and claim. I spoke with XXXX and they ad no info. I wrote to the collection agency requesting same, They have placed a collection on my account - for {$64.00}. One credit reporting agency removed it. XXXX   investigated and responded that the claim was legit even though I can't get a hold of a contract, This bogus claim is in violation of multiple laws.
Consumer complaint received 2020-08-24
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: Experian Information Solutions Inc. (PA)

I have contacted the CRA many times regarding this XXXX error. I won my lawsuit against the company and they still have it as negative on my account as a charge off and that is incorrect. I do not owe XXXX any money in addition i sent them the court documents with the judges signature. They are purposely affecting my credit report as they are being paid by XXXX to not have it removed. As per the paperwork the judgement amount is XXXX. Meaning i do not owe. I sent this information via certified mail as well. This is at least a years worth of damage. I plan on suing the credit report agency if they do not remove this negative XXXX account off of my credit report. As this financial issue has a negative burden on my life.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in BK Case XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I received a CashApp debit card in the mail at my most recent XXXX, NC address the last week of XX/XX/2022. The card was addressed to my previous address in XXXX, XXXX  that I lived at from XXXX XXXX XXXX. I have never used CashApp, nor had a CashApp account. I called the customer service number, XX/XX/2022, and they did not send me documentation to report my ID Theft. I called again XX/XX/2022 after moving to XXXX. The representative emailed me the report form, and submitted it on my behalf same day. I received email confirmation from XXXX on XX/XX/2022 that the account was closed and an ID Theft note was placed. I proceeded to request and check all 3 credit bureau reports, and placed fraud alerts and credit freezes on at all three bureaus. I placed a security alert on XXXX, and I also requested a freeze and report from XXXX. Upon receiving my XXXX report the first week of XX/XX/2022, I did not see any of the fraudulent accounts reflected on my report. I then received another CashApp card in the mail after the previous account was closed. This was forwarded to my new address in XXXX, but was addressed to the same previous address in XXXX, XXXX. I called CashApp customer service on again on XX/XX/2022, and spoke with XXXX who stated that she would escalate the account to the ID Theft/Fraud department, but did not send me the same questionnaire. I specifically requested that the complaint be escalated since I had already requested an account be closed for Identity Theft, and she stated I would hear back within 10 days, but as of this complaint I have not received any contact back. I received a third CashApp card in the mail forwarded to my new address but addressed to the same previous XXXX, XXXX  address on XX/XX/2022, and that is my reason for submitting my complaint. CashApp has continued to be unhelpful in remedying and protecting my identity after I reported it as compromised.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I recieved bank of america payment card and my payment was never on the card sent then the card got rejected in which i beleive someone got my identity info and had a new card sent cause they knew when the money would arrive this process on fileing started bout 4. To 5 months ago dont know the right date cause it happen behind my back but i havnt got no pua payments that im entitled to so can u please help me XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Consumer complaint received 2021-06-16
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: FIRST HERITAGE CREDIT LLC (TX)

I have a closed account on my credit report from a company called First Heritage Credit that I am not aware of. I have never had any dealings with this company. I contacted them onXX/XX/2021 to see what it was and asked them to remove it. The representative was rude and I was told to dispute with credit bureaus and got hung up on when I started to site the law to them. When I disputed with the credit bureaus it came back as valid debt. 

There are so many things wrong with this reporting which is a violation of 15 U.S. Code 1692g - Validation of debts 1 ) I NEVER receive a notice about this alleged debt- ( Violation of FDCPA ) 2 ) The credit bureaus ( XXXX XXXX XXXX XXXX XXXX  ) reported inaccurate information that was NOT VALIDATED instead went by the words of the creditor and not the consumer. ( Unfair practices ) 3 ) This company failed to provide me with debt verification that this alleged debt is mine.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I watch my XXXX XXXX score to see why it went down 40 points. I went the to see that the is a collection from XXXX of {$120.00}. I have an account with XXXX and I always pay my debts. I called XXXX and they have no records that I have any type of debt. I called XXXX as well and they have no records of debt. 
I would like to know why there is a collection in my name.
Consumer complaint received 2022-02-04
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. (SC)

ON XX/XX/XXXX I RECIEVED MY INVESTIGATION RESULTS VERIFYING THAT THE FOLLOW INFORMATION IS ACCURATE AND FAIR. REPORTING AGENCIES FAIL TO SEND THE INVESTIGATED REPORT WITHIN 15 DAYS VIOLATING THE FCRA. XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX XXXX XXXX IN XXXX OF 2019. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNT STATING THE INFORMATION WAS TRANSFERRED TO ANOTHER PARTY WHICH IS XXXX XXXX XXXX. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. XXXX XXXX XXXX ACCOUNT IS LISTED AS A DEBT BUYER. JUST BECAUSE XXXX XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER