davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a XXXX? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track fed ex.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new XXXX to maked good, but only ater lost of service.. we bought ddition protection XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on XXXX same day to our XXXX XXXX XXXX collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX XXXX offered me a {$20.00} discount on my {$330.00} in store purchase if I applied for their credit card. I applied and the discount was not taken on my purchase. I asked that the application be stopped but the salesperson said it was too late. She said I would receive a check for {$20.00} in the mail in the next weeks. A month later and still no check. I called barclays who said I would n't be receiving any points until I made more significant purchases! I asked them to take the card off my credit report and they refused. Please help.
Consumer complaint received 2024-11-11
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. (MD)

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2015-10-19
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: BARCLAYS BANK DELAWARE (TX)

I started with disputing with credit bureau because dates were wrong and account was over seven ( 7 ) years old I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way they could say that was if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. it helped but some accounts were duplicates. Then after the ones remaining on report 's dates changed again so I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. I Got my past seven ( 7 ) years of my bank statements and there were no payments made on those days in fact no payments were made in those ( 7 ) years
Consumer complaint received 2024-11-11
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. (MD)

XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX Date- XX/XX/XXXX - XXXX filed a complaint Nothing has been removed XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX  Inquiry Date- XXXX - i filed a complaint Nothing has been removed XXXX XXXX  XXXX XXXX XXXX Date- XXXX i filed a complaint Nothing has been removed
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. XXXX these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (FL)

I made a payment for my XXXX bill on XXXX/XXXX/2015, however, the bill had not posted to my account and the payment was applied to my principle. I found this out because the card issuer contacted me to collect a payment and to inform me my payment was due. I explained to them what had happened, I requested the payment be applied to my XXXX bill, and that the {$25.00} late fee be waived. The woman said that she would rectify my account by waiving the late fee and applying the {$60.00} payment to my XXXX bill. They waived the late fee ( I was sent a message via the online portal ) and failed to correct my account, in fact, I was now being charged {$140.00}, more than double my minimum payment. I called them back to fix it. The gentleman was kind and said that he would escalate my account to get fixed. He gave me a reference number and said that I should be contacted by someone within 2-3 business days. He explained that I should see my account corrected and that my next bill would be due in XXXX. A week later ( today, XXXX/XXXX/2015 ) I still had not been contacted so I logged on to check my account and I saw that it still remained the same. I called and spoke to a customer service rep. who had to transfer me to her supervisor. He was extremely rude and said that unless I paid the {$140.00} I would go into default. He had me in tears. I feel that the card issuer is penalizing me for making a payment too early. I had called to rectify this and because they did not do as they said, I am now being charged a minimum fee PLUS an escalated fee due to being late. The {$60.00} payment was intended for the XXXX billing and all I was requesting is to help have this applied correctly. They threatened me with reporting me a delinquent and are charging me a fee XXXX the escalated fee ) because of their error. I called XXXX last time this evening and spoke to XXXX different people to talk reasonably. I ended up talking to an escalated specialist, but she said that technically I missed and payment and that the {$85.00} fee would not be waived. I asked her to please explain why I was being punished when TJXRewards told me two weeks ago they 'd fix this error. She could n't answer my question and told me her advice was that I start making payments on the {$140.00} or I would go into default. 
I 've never been treated so poorly, especially being a long, loyal customer. I feel that I am being unlawfully charged this " escalation fee ''. I ended up getting off the phone and sobbing because I 've been fervently working on perfecting my credit score for 5 years now and because of this card issuer it is threatened.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX is showing a collection of {$240.00} from XXXX XXXX that was reported XXXX XXXX, XXXX. This debt was satisfied with XXXX in XXXX and they are still showing it. Disputed from Equifax and they claimed that they deleted the collection last year but the lender was XXXX now its showing as XXXX XXXX. It seems like the debt was sold to another collection agency. This is hurting my chances to rent a condo and it needs to be resolved immediately. I am not finding any Telephone number for XXXX XXXX to expedite a resolution. Please help Thank you.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (LA)

I purchased a car loan from this Company in XXXX 2015. I advised the car salesman when asked for my employment number that I can not receive personal calls from work. I was advised my work number was needed to verify employment. My employment was verified before I was able to purchase the car. Ever since I purchased the car, they have been harassing my supervisor and Human Resources Department for late payments. My supervisor advised them on recording at work that I was not able to receive personal calls as they were tying up a consumer line. A representative at Consumer Portfolio Services said they would delete the work number and not call anymore. A day later, the calls begin again. I am trying this as a first attempt to stop the calls. I was advised that if this did n't work, they will be reported to the Attorney General 's office as all calls are documented and recorded at my place of employment.
Consumer complaint received 2024-09-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: PAY-O-MATIC (NY)

I recently got a prepaid Payomatic ( XXXX  ) card. Ive had difficulty with this repeatedly and can get no answers as to why the card isnt working- it took three representatives to finally unlock the card- they recognized regular orders from XXXX XXXX  and XXXX  as suspicious activity. Then after they told me it was resolved - its still not working. Their customer service representatives are completely inept - she just tells me - well thats what the system tells me. Please I want to get rid of this card and get my money back. This is outright terrible and wrong!!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is incorrect and inaccurate information in my credit reports regarding the XXXX XXXX XXXX Account with XXXX XXXX. I found various errors and inconsistencies regarding the opening dates, payment history and closing of said account, as well as the rating, payment status of the account, the type of creditor and the observations offered by the same. The information reflected by the different credit reporting agencies is in disagreement. 
Pursuant to the Fair Credit Reporting Act, the account has violated my consumer rights under 15 USC 1681 Section 602A, which federally protects my privacy and confidentiality, 15 USC 1681c. ( a ) ( 5 ), which states that no consumer reporting agency may make any consumer report that contains any element of adverse information, and 15 USC 1681s-2 ( A ) ( a ), which states that a person shall not provide 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 2015-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (OH)

Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date. 

School : XXXX XXXX ; XXXX, OH
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

To whom this may Concern, I am a Victim of XXXX where my information was Stolen And use these are not my account I need Help My Mind is all over the place can you Please help me This is Fraud all my Rights was taken from me.
Consumer complaint received 2016-02-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (OH)

This problem begins with a *non-driver fault* failure of several components on a brand new leased Honda Crosstour EX-L which resulted in a 5 day stay at my dealer 's shop. 

This also followed a former 3 day stay at the dealer for a XXXX AirBag recall, and a 1 day stay for failure of center console latch and driver 's side door panel. This car has approx XXXX miles on it. ( This complaint wo n't even XXXX with the three day stay. ) During this latest incident, of " 5 Day Stay At Dealer '' I had to get a rental car and had to pay the gap insurance on it and the gasoline as well. After all Monday Through Friday without a car is tough. 

With the above said, I 've also ( additionally ) spent many hours the past two months trying to get payments posted on Honda Financial Services site, or figure out WHERE my payments went. Thousands of others are also dealing with that as well. 

*** This is n't how driving a Honda used to be. *** BUT WAIT, IT GETS WORSE ... 

I contacted Honda Financial Services to simply inquire about pro-rating the days out of my monthly payment during my most recent 5 day car-less period. I mean why pay a full month on a leased {$38000.00} automobile when a month is 25 days? I was n't sure they could do anything, and doubted it even, but I thought it would n't hurt to ask. 

The prorated amount is a measly {$60.00} ( 5 days worth of the month 's lease payment. ) XXXX has 29 days this year, for those checking my math. 

- I did n't ask for XXXX insurance reimbursal - I did n't ask for gas reimbursal - I tried to contact HFS MANY times, " All Circuits Busy, '' long hold times. 

I finally got thru and INQUIRED as to whether a pro-rate was something that could be done to make amends for a leased car that is sitting at the dealer, unable to be used. 

The Response? 

Honda Financial was WAY more concerned that I was potentially recording the call, even though they were recording mine. I was hung up on once, and only after agreeing to not record them I was then told there was nothing they could do, as they recorded me. 

The representatives are nasty, the do n't represent the Honda brand I once held highly. 

Look, this is n't a driver-caused problem. This is a customer forcing a business to treat all customers at least with RESPECT. 

Honda is having quality issues, specifically with Accords and Crosstour 's electrical components. Honda Financial Services is also having electrical problems it seems too ... as no one can post payments or get thru. 

I 've leased cars from other companies that would have gladly helped - they 'd given a demo car to drive, they 'd re-imburse, etc. It amazes me that car brand like Honda has de-evolved like this. 

In the end, Honda 's quality will be fine ... it is Honda Financial Services that may end up bringing Honda sales down as word spreads on social media. 

DO NOT LEASE FROM HONDA - GO TO YOUR BANK!
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (TX)

This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit.
Consumer complaint received 2015-03-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A IRA account was transferred to Bank of America. A transfer trustee Direct Rollover Request Form was filled out naming his spouse as beneficiary. XXXX XXXX XXXX sent a certified check to Bank of America reading Pay to the order of B of A Cust for husband. Bank of America issued a deposit slip dated XXXX/XXXX/14 for a deposit of {$30000.00} into an IRA account naming Bank of America as Cust for husband. Husband XXXX and wife is attempting to secure the funds. Bank of America claims they did not negotiate the check despite the fact the wife has a copy of the check and the deposit slip. Check was sent to Bank of America in the name of Bank of America cust for husband. Wife can not secure information regarding the check since she is not named on the check. Bank of America was named on the check issued a deposit slip and is asking the wife to jump thru impossible hoops to secure {$30000.00} plus interest that was deposited in Bank of America on XXXX XXXX, 2014.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: FORD MOTOR CREDIT CO. (MS)

* My reports continue to incorrectly show me 30-days past due XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my Ford Credit account. 
* Attaching letter dated XX/XX/XXXX requesting correction of these items including supporting documents, i.e. bank statements showing no interruption in payments for period XX/XX/XXXX-XX/XX/XXXX. 
* As of XX/XX/XXXX, I have not received a response to my XX/XX/XXXX letter. 
* REQUEST : Please help me get these items corrected on my credit reports.
Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (DC)

XXXX has been attempting to collect on a non-existent debt. I have at all times had all outstanding balances paid on all accounts. I have proof of payment for the amount they allege is owed ( attached hereto ). A different collection agency previously tried to collect on this account approximately 1 year afo. I contested the claim, and that stopped contacting me. Now a different collection agency is contacting me to attempt to collect on the same non-existent debt. XXXX has agreed verbally on the phone that I owe no debts, and promised a letter of confirmation which they never sent.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

My mother opened a credit card in my name when I was XXXX. She used this card for her own personal gain and wants. She was paying on this card until XX/XX/XXXX. She openly admits to opening it, however, refuses to take ownership of the situation and now I 'm left to bear her mistake. I just want it gone. I never opened it and I never saw any benefit from it. It is haunting my credit score and wo n't be taken off until XX/XX/XXXX according to XXXX. I 've filed 3 separate disputes with Equifax to no avail. All 3 determined that the card was mine even though I never opened it. Please help ...