davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-10
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Alpha Recovery Corp (WI)

I received a call from Alpha Recovery Corp saying that I still owed debt on a credit card that I had 2 years ago, I was under the impression that I had paid off that card in full, it turns out they had an old address on file so I didnt receive anything about it. When they asked me to pay I said that I would pay it this month and if I could n't pay the whole amount I would at least pay part of it, but that I would like a paper bill mailed to me and I gave her my current address. Since there are so many scammers out there, I never just give people money over the phone, I wanted proof of what I owed. The representative transferred me to her supervisor after I asked her to send me a bill, he started off by repeating most of what the previous rep had said so I said, I 'm sorry I 'm really busy right now, will you just send me a bill and I will take care of it. He started to get angry and agressive at this point and said that this account was past billing and I needed to pay my bills. I said " like I told the previous rep.. '' he cut me off and started yelling about how I needed to take care of it and would n't let me speak. I said, sir, if you 're too keep cutting me off I 'm going to disconnect this phone call. He yelled back oh you 're going to disconnect this phone call? Do you think that 's going to hurt my feelings if you disconnect this call? You 're the one not paying your debts. He was literally yelling at this point, I tried to interrupt to tell him that I have every intention of paying debts that I owe, but he would n't let me talk so I hung up. I called the number right back and got another rep, by this time I was sobbing, I have never been treated so horribly by someone who is a supposed to be a professional, I told the rep that answered what happened and also told her that I have every intention of paying my debts and also asked for the manager 's name that I had just spoken to, I could tell she felt bad, but she didnt sound surprised. I googled the company after I got off the phone and found a TON of people experiencing the same issues with this company. The one good thing that came out of it was that it ended up being a learning opportunity for my son, who was unfortunately sitting next to me through the whole thing, on how important it is to be decent human being.
Consumer complaint received 2016-11-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IN)

On XXXX, I went to the local PNC branch to convert {$1000.00} XXXX to XXXX. This amounts to XXXX ( XXXX XXXX ). I was told 2 things, 1. It will take approximately 4 days for the XXXX ( XXXX XXXX ) to arrive at the local branch. 
2. If there was any leftover XXXX from my trip, I can always re-convert the left over XXXX back to XXXX. 
On XXXX, the XXXX Government banned the XXXX and XXXX. When I called my bank, they said that the XXXX are present at the bank but are in XXXX and XXXX denominations. I refused to except those XXXX denominations. I asked that they either convert the money back to XXXX, OR give me XXXX denominations that are acceptable ( i.e. XXXX ). I was told that their " Foreign Exchange Dept '' is no longer accepting the XXXX. 
I am now short {$1000.00}, and the XXXX is at the local branch. I will not accept this non-functional currency. There has to be some type of insurance for this. I chose to do the foreign exchange with PNC Bank because I felt a sense of assurance from such a large bank. 
The staff at the local branch are courteous, and are doing their best. The Bank Manager is working on this issue, and I hope it gets resolved soon.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Statement from Transunion in the first complaint We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, our records show that your security freeze was placed on your TransUnion credit report on XX/XX/XXXX, in response to your request via the internet. If you would like the security freeze permanently removed from your TransUnion credit report, please submit your request in writing along with the PIN that was provided to you on XX/XX/XXXX. 
In order to verify the accuracy and completeness of the item, we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. XXXX # XXXX verified your name, address, date of birth, and social security number as being accurately reported. The current balance was updated from {$1100.00} to {$1500.00} and the credit limit from {$2200.00} to {$1700.00}. The account currently reflects as an open charge account in good standing. 

From Transunion 's Website - what is a Freeze? 

" Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion Credit Report entirely, which will prevent them from extending credit. With a Security Freeze in place, even you will need to take special steps when you wish to apply for any type of credit. '' First issue - Trans Union says that a Freeze was placed on my file in XX/XX/XXXX. The file has been open and unfrozen since at least XX/XX/XXXX, and that is evidenced by the many inquiries to my file, and the lack of activity from me since and through XX/XX/XXXX, to remove/add back the same. TU has also stated, that I need to lift the freeze permanently, when this was already done by me - in XX/XX/XXXX. 

I attest that my record is corrupted, as even TU 's " FREEZE '' site - says I have no FREEZE, yet the Member Site -- - says there is. In speaking with the reps at TU - they could neither explain the issue, nor recommend a fix to this data issue. 

If - there was a freeze, than TU is now asserting, it has allowed access to my file 40 times, in the last 2 years with absolutely no approval or, written or traceable action by me. 

The attached screen shots, show - a " Freeze '' state and then -- -- a " No Freeze '' state from its systems, in the same day. 

The record is corrupted, please simply fix the state of FREEZE/UNFREEZE. 

Secondly - with the update from XXXX ;, the REQUIRED pay history remains incomplete - allowing this Tradeline to be incomplete and inaccurate. The account was opened in XX/XX/XXXX, and NO history exists until the recently inserted " XX/XX/XXXX OK '' status. 

Please either update this record to be complete - or delete the tradeline for it has been left incomplete and now wholly inaccurate. 

Please share a printed, and mailed credit report as I do not agree to online results or reports.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted this credit bureau XX/XX/2016. I disputed regarding a company called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was the alleged original creditor. They were removed from my credit report. XXXX XXXX XXXX has not responded to my certified mail request for verification. The original creditor , XXXX XXXX, did not respond to my request for information and it has now disappeared from my credit report. I followed the protocol according to what the bureau put in writing. The sound of crickets is the response from the original creditor and collection company. They have not provided written documentation of how they obtain ownership or assignment from XXXX XXXX. XXXX XXXX XXXX has gone from being a disputed company to outright unethical or even outside the lines of compliance with consumer rights. I thought this was deleted from my credit report in the past. This collection company has now appeared on my credit report with a new account number, new total that is {$2500.00} more, new interest being charged, and now seemingly appearing as a newer past due history which lacks any information regarding the payment status from the date they are claiming as the reported date. I wrote to the credit bureau by certified mail. What has the bureau done? They have just continued to update incorrect information. There is nothing stating this is disputed. There is nothing provided to me showing how this is my debt. I have asked several times for this removal from my credit report. I thought the credit bureau was suppose to report accurate information. If they are obtaining new information from XXXX XXXX XXXX, I want to know what is it? I checked this past summer and as late as XX/XX/2016 on California 's Secretary of State 's web site for business entities XXXX XXXX XXXX is listed as a dissolved entity. How can the collection agency obtain any recent information from the original credit when the original creditor is no longer a registered entity in the State of California? Is this credit bureau going to continue to ignore that the collection company is not abiding by credit laws by charging interest? How can a debt that was disputed at a little more than {$4500.00} turn into {$7000.00} with a new account number not be reporting false information?
Consumer complaint received 2017-01-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: EOS Holdings, Inc. (CA)

I get repeated calls for " XXXX '' from XXXX, Wisconsin. I am not XXXX, nor do I live anywhere near XXXX, Wisconsin. 
They call on almost a daily basis. Today when I asked them where they were calling from, they said XXXX and gave me some severe attitude.
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Nearly two years ago, I worked with Synchrony Bank regarding an issue with my Banana Republic card. I had contacted Synchrony to close my card and visited Banana Republic in store, but was told multiple times that I had a {$10.00} credit on the account by sales associates and the bank and encouraged to keep it open. This {$10.00} credit was rewarded credit earned through purchases on the account. <P/>
As a result, I was quite surprised to learn in XX/XX/XXXX 2014 that I had a delinquency on my credit report. The total amount charged on the account in question was {$3.00}. I still had a {$10.00} credit on the account which was not applied and did not reduce the balance, which should have been XXXX. After interest and fees, I paid {$16.00} and was told that Synchrony bank would rescind the delinquencies from my credit report. <P/>Unfortunately, I recently reviewed my credit report and found the amount was still there. This has negatively impacted my credit by over 100 points. Prior to this incident, I had paid my card on time and have had no other issues with this card or any other credit card that I have ever owned. I also never received my {$10.00} credit. <P/>I believe that this error has caused undue hardship and has been inappropriately assigned to my score.
Consumer complaint received 2017-07-09
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: CITIBANK, N.A. (VA)

On XX/XX/XXXX I walked into the only Best Buy that is located in XXXX, VA. I was interested in buying a music deck for my new car, so a tall XXXX male who 's name I do not remember helped me. After he helped me, he suggested that I put my music deck purchase on their Best Buy card, because they offer 0 % interest on the card. I made sure before I took another step forward that I did my due diligence to acquire all information that pertained to the card. I asked the young man did this card require pulling up my credit score, and he replied " yes. '' I then proceeded to ask him if this would be a " soft '' inquiry/pull, or a " hard '' inquiry/pull to my credit. Without hesitation, the young man told me that it would only be a quick soft pull to my credit. Since I take my credit score very seriously, I asked him one more time to be sure, and he still replied " yes, this is only going to be a soft pull to your credit. '' After checking my credit report on XX/XX/XXXX, I noticed that ( Citibank Na., Best B ) placed a hard inquiry on my credit from XX/XX/XXXX, and the purchases I made in best buy that day showed up on XX/XX/XXXX with my XXXX XXXX XXXX credit card. I feel betrayed, because I was given false/wrongful information with the utmost confidence from an employee at Best Buy, and his confidence in what he was doing allowed me to trust him. If he was not sure of what type of pull the company would have done, then he should have gotten someone who could answer that question instead of telling me incorrect information. <P/>Best Buy Address : XXXX VA ( Store XXXX ) XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NY)

Starting XXXX months ago I began receiving emails for an Experian credit monitoring account which is not mine. The emails are coming to an email address I did not register with Experian, addressed to someone else named XXXX. I spent XXXX hours on the phone on Friday just to speak to a human being who assured me the issue was finally resolved. It was NOT. As of today I have received further emails addressed to the wrong person at my email address. If this is not immediately rectified I intend to file a legal claim against Experian for misuse of my information.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ME)

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identiy theft, not later than 4 business days after the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX This is so unlawful.
Consumer complaint received 2017-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

My problem is with Experian regarding my FICO score. I/we always have excellent FICO score. From XX/XX/XXXX to XX/XX/XXXX, our score ranged between XXXX to XXXX. This XX/XX/XXXX we paid off our mortgage loan and my FICO score took a huge dip to XXXX with absolutely no other changes in our financial situation. I called Experian and complained about the much lower score and wanted to know if the score is going to keep on falling. Experian 's response was yes, it was because I paid off the loan. Yes, the new lower score would adversely impact my ability to get a most favorable loan rate. Yes, the situation does not sound reasonable. No, there is nothing that can be done and no she does not know when the trend will be reversed and would I be interested to view their web site for some educational material regarding credit? Totally ridiculous response. <P/>We are in the process of buying a retirement property and I find this situation completely unacceptable .... why is it that we need to be in debt in order to be judged as better credit risk? It is illogical and it makes no sense. <P/>I hope you can help us.
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The name XXXX XXXX has been added to my account. I have never been married. I have always been a XXXX. My daughter 's last name is XXXX but I have never been. This needs to be removed. Thank you.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

My husband and I were recently in XXXX and while XXXX can be challenging at times due to mostly banks concerned over fraud. My PayPal XXXX overstepped their bounds. My problems with them started when I got a new card from them with my name change due to marriage. Not one transaction has gone through since I received my new card with my new last name, even though that same XXXX they upped my limit. Fast forward three weeks and while in XXXX I wanted to use the card and after spending over 30 mins on the phone with them I was was told everything was good with the card and the representative even told me to go and enjoy XXXX. This was my first time to XXXX and I was excited to explore and shop in this amazing city. Well at lunch the card was declined, I was so embarrassed. Rather than leave the hotel we decided to go up to the room and figure out what was the issue now. On hold with XXXX call center for 45 mins l was livid but again assured that the problem was fixed and that we would have any further embarrassing lunches. My husband and I went to go do a little shopping and with trepidation pulled out my PayPal XXXX and again an embarrassing decline. Now I am mad and upset. They have lied to me, taken up precious time we had in XXXX on the phone ( mostly on hold ) with them, and frankly extremely embarrassed. As to not ruin the rest of our day we put that card away and we decided to call them once we return to the hotel. I was n't feeling so I gave my husband who is an authorized user on the account talk to customer service and figure out what is going on. After they put him on hold for over 50 mins he had reached his boiling point too. But to my surprise he said to the rep that he wanted to close the account and hung up the phone. I understood his frustration but did n't think much of it because they could n't close MY account without MY permission. Come to find out I was wrong. They closed MY account and they they took no responsibility for us wasting 4 hour on the phone on my XXXX trip to XXXX on the phone with them trying to spend money and use the new credit line they had just bumped up for " being a loyal client. '' This is n't legal or right and I wo n't take this lying down.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Mailed out disputes to Experian, for them to investigate several items that are reporting incorrectly, not mine, and personal information that is incorrect. And a dispute asking them to tell me how they " verified '' items that XXXX could not " verify '' and subsequently deleted. All of these disputes were sent certified mail with return receipt. First dispute ( of incorrect personal information ) mailed XXXX/XXXX/16 received and signed for by Experian on XXXX/XXXX/16, second dispute of accounts that are not mine was sent XXXX/XXXX/16 received and signed for by Experian XXXX/XXXX/16, third dispute mailed XXXX/XXXX/16 received and signed for by Experian XXXX/XXXX/16, fourth dispute mailed XXXX/XXXX/16 with a NOTARIZED AFFIDAVIT stating that I am the consumer that is sending in the dispute, the fifth dispute was mailed XXXX/XXXX/16 and signed for by Experian XXXX/XXXX/16. All of the disputes were signed by me and included a legible copy of my identity ( copy of a current drivers license ENLARGED ) and ( a copy of my social security card ). I received a response letter from Experian stating that " we received a suspicious request regarding my personal credit '' " and they refused to conduct a dispute. Experian had a copy of social security card and my drivers license as VALID PROOF that I am the consumer that sent in the dispute. Experian also has my signature as VALID PROOF that it was indeed myself that sent in the dispute. Experian automated system that is being utilized appears to be programed to use stall form letters and tactics when they are out of compliance and appears to be willfully refusing to dispute and is in violation of the FCRA & FDCPA. They have also refused to remove incorrect and invalid address that I have never used. 
I have enclosed what was mailed to Experian and the response they sent refusing to initiate an investigation.
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (HI)

XXXX XXXX XXXX XXXX XXXX XXXX by Barclaycard- " Balance subject to interest rate '' " Average Daily Balance '' difficult to calculate, appears intentionally misleading, and results in higher interest charges than should be applicable to the current statement. <P/>On my latest statement for billing period XX/XX/17 - XX/XX/17, I see a total of {$2700.00} for the " Balance subject to interest rate ''. The actual statement balance was only {$2000.00} and this is a significant discrepancy that results in higher interest being owed. I have been unable to determine exactly how Barclaycard calculated this amount, and neither could a manager at their customer service center. I feel this is an unethical methodology of calculating interest since I see simple way for oversight. My solution now will likely be to discontinue my business with them and to voice my experience publicly. <P/>The company uses an " Average Daily Balance '' ( ADB ) to calculate interest, supposedly starting from the last contiguous statement period where the balance was not paid in full. This makes it nearly impossible for the consumer to accurately calculate their interest if they have even a modicum of purchases for the month and especially when this carries over for multiple statement periods. It appears designed to be intentionally confusing and extremely difficult for customers to calculate and verify their charges. <P/>I tried to clarify this issue with the bank through a phone call to their costumer service center and while I did get a manager on the line who made a valiant attempt to calculate my ADB for even one statement however it was impossible to actually go through this statement in any kind of reasonable time frame. She did say they could produce a spreadsheet with each calculation for the ADB but she could only discuss this verbally over the phone and could not share the physical data. Since my ADB for this recent statement period spanned 3 billing periods it was impossible for us to accurately review this data over the phone. Therefore there is no way for me to accurately account for the interest charged by Barclaycard and I feel this is unethical and an abuse of customer trust. A quick internet search of Barclaycard customer experiences further increases my suspicion of this bank 's untrustworthy nature. <P/>Let me also state that when XXXX XXXX XXXX switched to Barclaycard, their online banking service portal for the credit card also shifted by removing pertinent information that had been previously readily available and thus making it feel less transparent and accountable to check on my finances.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Inquiries were removed from my credit report and re-added without any documentation or reasoning received. 


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