davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TIDEWATER FINANCE COMPANY, INC. (CO)

XXXX XXXX XXXX XXXX XXXX card was underwritten by Tidewater Finance Co out of XXXX, VA I opened the account at a XXXX XXXX store in XXXX XXXX, NV. in XXXX or XXXX. XXXX XXXX no longer has this option and the accounts were closed. I still paid my payment on time, every time, and usually more than the minimum. 

Last month, my payment is due on the XXXX of the month, I paid it a few days early and PAID IT OFF. Now, they are charging me more interest on a {$0.00} balance!!!!! 

I tried speaking to them today, the first man, XXXX, didn't speak English ( and neither did the receptionist ) which is frustrating as it is. XXXX corrected my address and SAID he put in a request to management to remove the charges. Never said it would be done and REFUSED to send me an email confirming that he changed the address and that he submitted for the account to be cleared. I asked to speak to a supervisor and was given to XXXX, who still had an accent, but not as thick and I could at least understand him, however, he couldn't comprehend English either. Found out that the 1st guy spelled my new city and street name wrong, so he corrected that ( I hope ) and again, REFUSED to send me an email confirmation on anything. Said they cant send out confirmations, only on payments. And he can't send anything out until management clears the account. Then they will send some letter. My payment is due next week. I'm concerned that these people will not do as they say and my credit is going to be impacted. How can they get away with charging interest when the account was paid in full before the due date? That would mean that every time you make a payment in full, they are going to charge you interest so you never pay off the account. 

Something needs to be done with unscrupulous companies such as Tidewater Finance Co. I would never recommend this company to anyone. They have outrageous interest rates to begin with, which is why I always tried to pay much more than the minimum on this account.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-07-31
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. (VA)

I received an alert from XXXX XXXX that my credit score XXXX significantly last fall. I pulled my free credit report and saw a charge from XXXX XXXX. I called them and found out that there was a XXXX XXXX credit card with my name on it. I told the representative that I did not open the account. 
She then asked me to verify my information. I checked and everything was the same other than my email address and they did not have my work number. I stated again that this was not my account. The woman asked me if I knew who opened it. I said no. She said she would initiate a dispute on their end. 
I then disputed the account with XXXX and moved on. 
I received a collections call from XXXX XXXX in the spring for this account. I told the person I spoke with that this was not my account and that they should not call me again. I alerted them that I had already filed a dispute with the credit bureaus and XXXX XXXX and asked if there was a record of this. He said there was not. 
I then called the number for XXXX XXXX on my credit report. The woman I spoke to said they wanted me to send : A copy of my social security card and proof of my birth date A writing sample My signature written several time A copy of an FTC report I told her that seemed to invite additional fraud and I would not. 
I disrupted the charges again online with all three credit reports and am filing this dispute for fraudulent activity. 
I did not open this account, authorize this account or in any way use it. I dont know who opened it, how they opened it or why. I am asking for any assistance with removing this fraudulent activity from my account. 
I have been the victim of identity theft before and have XXXX and monthly credit monitoring. Most recently, I was a part of the XXXX data breach and the XXXX XXXX data breach. I do have monthly credit monitoring and I do have fraud alerts on all three credit bureaus. 
Any and all help in getting this matter resolved and removing this XXXX XXXX card from my report would be greatly appreciated. I have XXXX credit card and it is in good standing and I would like to keep it that way.
Consumer complaint received 2023-07-29
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX  ************ {$9000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX  **************** - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
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. (GA)

Re the following claim numbers : Transunion File Number : XXXX CFPB Complaint # XXXX Attorney general ( XXXX ) Account : XXXX XXXX XXXX Georgia Docket XXXX XXXX In response to my complaint, your company recently mailed me a notice from the Pennsylvania Attorney General 's office and the Consumer Federal Protection Bureau ( CFPB ) portal stating that the items are accurate and that you won't reinvestigate unless you need more relevant documents. 

The issue with this notification is that I gave your company, the Attorney General Offices, and the CFPB pertinent documentation from the United States Bankruptcy court supporting my claim, and you disregarded the information. 

After reading the FCRA law regarding the steps your company must do when a customer challenges a record in their credit file. It is stated in sections ( 4 ) and ( 5 ) that you must review and consider all pertinent information that I, the consumer, have given. 

Additionally, it stipulates that you must eliminate the item from your files if the consumer 's documentation renders sufficient. 

The sad aspect is that you are currently flagrantly " BREAKING THE LAW '' and infringing upon my rights as a federally protected consumer. This is my last attempt to work with your company to resolve this issue. 

Due to the fact that your company did not carefully review the pertinent documents I received from the US bankruptcy court and since there is evidence that your company was unable to validate my claims. You breached my rights in accordance with 15 USC 1681i ( 4 ) ( 5 ) ( i ) by neglecting to validate the public record, along with providing the clerk courts ' name that was used to validate the bankruptcy in their records. 

I demand that you remove the public record indicated below from my credit file for violating my rights under the Fair Credit Reporting Act ( FCRA ) regarding the handling of unverifiable material and failing to take into account the supporting documentation you requested.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BMO Bank, N.A. (AZ)

I was issued a cashier 's check for the sale of my boat ; the check came directly to me and was from Bank of The West. 

Upon receipt of the cashier 's check, I released my boat with all paperwork to the buyer XXXX XXXX. 

After 3 days in my account I receive notice from my bank that the cashier 's check was returned due to a stop payment. First, I was told a cashier 's check was as good as cash. Now I have no boat, no paperwork and don't have the money. I can't reach the buyer or anyone at Bank of the West.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NY)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I applied for a job on indeed and was offered a work from home position as a personal assistant for the savier reality company. All of the information checked out and I even messaged the company to verify which they didnt respond. I was given a check for XXXX and some change and was told that I needed to send the venders the money for my equipment since she was not in the office at the time. The check was canceled and I immediately called my bank and I was told the transaction wasnt fraudulent since I sent them the money. I was sent a professional check for my job I had no idea I was being scammed. Ive done similar jobs before. I sent money over XXXX and cashapp. When I questioned why I would send the money I was told that I needed to be trusted with money and needed to equally send the money to each because one was for the phone and the other was for the laptop and printer. I am now XXXX $ in the hole with my bank and Ive sent every bit of information I have to show it was a fraud company
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upstart Holdings, Inc. (TX)

I attempted to contact the company 5 times to get verification of debt. They claimed they could not give it to me and I would need to contact a different company. When I started that I needed verification from them, as they were the ones to supposedly purchase my debt I was talked down to and hung up on several times. XXXX XXXX is the company.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NJ)

On or about XX/XX/ I received notices of an attempt to collect a debt on a account owned by XXXX XXXX XXXX XXXX from a debt collector called Radius Global Solutions LLC i notified them immediately that the debt and account is not mine nor do i have any knowledge as to how the account was opened using my personal information. I never signed any service agreement with XXXX XXXX XXXX XXXX nor did i give anyone permission to act on my behave to open or do any business with XXXX XXXX XXXX XXXX. Radius did not answer my original complaint about this matter i reached out to XXXX XXXX XXXX to ask for a responsible investigation as to this matter i haven't heard anything from XXXX XXXX XXXX XXXX or Radius Global Solutions.
Consumer complaint received 2023-07-31
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: Thaxton Investment Corporation (TX)

For months I have requested that the credit reporting agencies complete a THOROUGH investigation on the following account and send me written confirmation of the method used to verify the information being published to them. They continue to certify that the information is accurate and verified by your company, however I can't help but to notice a plethora of errors remaining within my credit report including inconsistent information between all 3 bureaus when data furnished is from the same source so how can this be? The negligent errors reported within this account have caused issues within my household and are affecting my wellbeing. As a furnisher, there are rules and regulations you must abide by according to the Fair Credit Reporting Act. You are also in violation of FCRA 15 USC 1681eb. Since the account below is charged off as income, I should have received a 1099c regarding this account. I do not recall receiving this from you, but I do understand that you reported this amount as a loss. I will be requesting form 3949a from the IRS because from the reporting furnished to the credit reporting agencies, it seems you are trying to collect on an account that has already been paid. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. COVINGTON CREDITXXXX XXXX I'm willing to cease taking this action if you simply stop reporting this inaccurate information to the credit reporting agencies. I am requesting that you reach out to the credit bureaus and let them know that this account is no longer being furnished to my credit report due to multiple FCRA Violations.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

The following is a summary of my case : 1 ) XX/XX/2018 - XX/XX/2018 : I made a reservation for a cruise with XXXX XXXX XXXX ; they charged my credit card {$4300.00}. 
When I made the reservation I informed the agent that will have to cancel the reservation ; if my health gets worse, and prohibits me from travelling ; thus, I could not travel, and the agent informed me that it is ok to cancel any time and get my credit card refunded the full charged amount of {$4300.00}, because health conditions reasons are acceptable to cancel, he stated. I was assured that I could cancel any time and get a full refund. 

1 ) XX/XX/2018 - XX/XX/2018 : I called XXXX XXXX XXXX and I canceled the reservation, and XXXX XXXX XXXX told me that they would credit my master card with the full amount of {$4300.00}. I was expecting full refund. 
2 ) XX/XX/2018 - XX/XX/2018 : I also called Citibank and informed them that I cancelled the reservation. 
3 ) XX/XX/2018 - XX/XX/2018 ( XX/XX/2018 ) - Citibank issued full credit to my master card. 
4 ) XXXX XXXX- Citibank reversed the credit without sending me the mandatory letter of my response and failed to give me a chance to respond to XXXX XXXX XXXX . 
5 ) XXXX XXXX XXXX issued a credit of {$120.00} only. This act of issuing a credit of only {$120.00} ; XXXX XXXX XXXX intentionally tried to confuse and mislead me by refunding / issuing a fraction of the full amount of {$4300.00}. 
6 ) The reversal of the issued credit by Citibank without giving me an equal opportunity to respond rises to be a collusion between Citibank and XXXX XXXX XXXX, and a conclusion that follows logically the series of events that led to the two companies, XXXX XXXX XXXX and Citibank to keep my money without complying with due process. Instead, they mislead me as a consumer acting in good faith. 
Citibank abused its power when they reversed the credit without giving me a chance to respond to XXXX XXXX XXXX misleading promise to credit my Citibank master card the full amount of {$4300.00}. 
Conclusion is that a collusion between Citibank and XXXX XXXX XXXX to keep my money, and abuse of power by both Citibank and XXXX XXXX XXXX. 
I am asking you to help me recover a full refund of {$4300.00} as XXXX XXXX XXXX promised and according to our agreement. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2020-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Recovery Services, Inc. (NY)

Financial Recovery services has been harassing me for a debt since XX/XX/XXXX but they didnt send me a validation notice until XX/XX/XXXX Notice # 1 : XX/XX/XXXX, FRS offered me a payment plan to repay a {$1700.00} debt. 

Notice # 2 : XX/XX/XXXX, FRS tried to give me a substantial discount on the debt. 

Notice # 3 : XX/XX/XXXX, FRS finally sent a validation notice letting me know I have 30 days to dispute the debt. 

Notice # 4 : XX/XX/XXXX, FRS stated that If i pay {$1700.00} the account will be considered paid in full. 

FRS has also changed the file number for this debt twice.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX XXXX XXXX Short sale package was submitted to SPS on XX/XX/20. 

On XX/XX/20 rep XXXX # XXXX called the homeowner to offer her options of doing a loan mod or a short sale, and gave the homeowner a list of documents that would be needed. *****I believe that SPS , when they asked the borrower what she wanted to do, DELIBERATELY BAITED HER into saying that she would prefer to stay in the home, however she also said that she knew it wasn't not possible and needed a short sale. SPS inappropriately decided that meant she wanted a loan mod, when they KNEW she had been applying for one many times over the past year and was continually declined. They then used that as an excuse to deny her the opportunity for a short sale, as is her right under CA XXXX. 


On XX/XX/20 we called in to SPS to make sure they received the documents we submitted for the short sale. We were told the short sale was closed out and SPS would not offer any option other than a deed in lieu or a loan mod. 


Clearly SPS does not know what is going on with this transaction, since we get a different story every time we talk to them. This is not acceptable. IN THE ORIGINAL CONVERSATION, XXXX STATED A SHORT SALE WAS ABLE TO BE OFFERED, HOWEVER IN OUR CONVERSATION TODAY WITH SPS THE REP SAID THAT IT WAS NEVER AN OPTION. WHO LIED? The homeowner was told she would have the opportunity to be reviewed for a short sale, and that is what needs to happen. I want the short sale re-opened and the file moved forward appropriately.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-26
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: EQUIFAX, INC. (NY)

I have student loans on my credit report. I received confirmation from Student AidXXXX that my loans have been forgiven under Public Service Loan Forgiveness ; however, the balances are still showing on all 3 of my credit reports. I submitted disputes through each credit reporting agency and the disputes were resolved ; however, the balances have not been removed from my credit reports notwithstanding the fact that I submitted proof of loan forgiveness/discharge. I am not sure if this is an issue with the credit reporting agencies or XXXX as the credit reporting agencies say they spoke to XXXX in resolving the dispute which resulted in no updates to my credit report.