davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (GA)

In the beginning I agreed to make payments of {$50.00} at the of each month starting in XXXX XXXX. I was planning on paying off the total, but could n't and I agreed to make a payment of {$520.00} on XXXX but I had to cancel. So I setup recurring payments of {$150.00} on the XXXX and XXXX or a few days after to ensure the funds are there of each month starting XXXX XXXX. The first payment of {$150.00} came out of XXXX absolutely fine. The next payment of {$150.00} came out of XXXX which was not the agreed date, but ok because I am trying to pay off my debt. So the next payment of {$150.00} came out on XXXX, again not the agreed date. So on XXXX I received notification from NCB that they would be taking out the next payment of {$150.00} on XXXX/XXXX/XXXX, 4 days before the agreed date. At that point I cancelled the recurring payments with them. At this point I feel I should not be liable for this debt because they took funds out of my account before the agreed due dates. I want the debt to be removed from my credit report and I want all the funds that were taken out before the agreed due date returned back to me.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Immediately following my successful Chapter XXXX discharge, I wrote a letter and provided a hard copy of my chapter XXXX information. This information included, Discharge Letter, Final Cure of my XXXX XXXX XXXX  Debt, all creditors that had and had not responded to the trustee at the meeting of creditors. All three credit reporting agencies received this document in XXXX 2017, however when I attempt to apply for credit the main reason for denial is " SERIOUS DELINQUENCY ON ACCOUNTS ''. The other issues are because of too many inquiries ( Which is correct ) and derogatory public information. ( Chapter XXXX discharge is also correct. ) XXXX XXXX XXXX XXXX is still not being reported on any of my credit reports and they have also been contacted by mail, email and phone. I have been making on time payments to this company and continue to make payments. Looking at the denial letter and going to the credit reporting agencies does not give me the information that is showing the reason for denial. There is NO DELINQUENT ACCOUNT information for me to view or dispute. But I am being dinged for this very reason.
Consumer complaint received 2017-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NM)

I sent a payment via TDBank bill pay of {$360.00} to XXXX XXXX XXXX  on XXXX XXXX, XXXX. I sent this payment to XXXX XXXX XXXX by mistake. I called XXXX XXXX XXXX about 2 weeks later to find out where the payment was when they received it. They said they did n't receive the payment but if they did in the future the funds would be placed into my savings account. That has n't happened as of XXXX XXXX. I called the TDBank to find out where the money was. On XXXX XXXX XXXX they sent me an email to call them so they could investigate this situation. The TDBank ( in NJ ) has a Confirmation # from their bill pay payment to XXXX XXXX of XXXX. Could you help me find out where the {$360.00} is so it can be returned to me?
Consumer complaint received 2017-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XXXX XXXX, XXXX I received a past due letter from Loancare that they had not received my XXXX XXXX payment. I called them on XXXX XXXX, XXXX and explained to them that I payed the XXXX payment through XXXX XXXX on XXXX XXXX, XXXX and it was delivered to them on XXXX XXXX, XXXX in the amount of {$2300.00} with the status on my statement as paid. The woman that I spoke with put me on hold and returned to the call telling me that in fact they did receive the payment and it would be posted at mid-night that same day XXXX XXXX XXXX ). I asked her if I would recieve a 30 notice and she advised me that she did not know. I explained to her that I am in the middle of a refinance and I can not have a 30 on my credit. Especially since they did receive it on or around XXXX XXXX. On XXXX XXXX, XXXX, there was a message on my phone to call Loancare. I called them the morning of XXXX XXXX, XXXX and they stated that they did not receive my payment for XXXX. I informed them that I payed through XXXX XXXX on XXXX XXXX, in the amount of {$2300.00} and the payment was delivered on XXXX XXXX with the status paid. They told me that I needed to send them a copy of the statement showing it paid to XXXXXXXXXXXX. I sent the a copy on XXXX XXXX. I told them that I am in the middle of a refinance due to close early XXXX. I also told them that this has now happened two months in a row. I asked them if they are going to charge me a late fee for this in which they would not answer. I also asked them how long is this research going to take and they said 5 - 10 business days. I found out that I have accrued over {$600.00} in late fees from the time they took over the loan in XXXX. I do n't think that I owe this. I am very concerned about the fact they say they are n't receiving my payments. I have been paying the same way, through my bank since they took over the loan and there has NEVER been a problem until now. I find it interesting that this has occurred only recently as I have been in the process of refinance. I have copies of the bank statements and the letter received last month for the non payment. Please help. Thank you.
Consumer complaint received 2017-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

XXXX XXXX I took a loan for {$1300.00}. Not fully understanding the XXXX fees and called they made it seem as if it would be very easy to repay back. My interest is at 680.130 % which will make it impossible for anyone to pay that loan off. The interest is curriculum on daily which the total would be at the end of loan {$4400.00}. That is clearly ridiculous for a short term loan.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

XXXX & EXPERIAN CONTINUE TO BREAK FEDERAL LAW AND VIOLATE MY RIGHTS AS A CONSUMER AS SET FORTH BY CONGRESS THE LAW IS THE LAW. DELETE THESE ACCOUNTS ASAP FOR ALL VIOLATIONS AND FOR CONTINUING TO BREAK THE LAW AND VIOLATE MY FEDERALLY PROTECTED RIGHTS AS SET FORTH BY CONGRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS : XXXX ( XXXX ) '' the consumer report does not include information solely as to TRANSACTIONS or EXPERIENCES ( Payment history charge off status ) between the consumer ( myself ) and the person making the report. YOUR REPORTING OF THIS INFORMATION IS BREAKING THE LAW AS STATED AND SET FORTH BY CONGRESS. ADDITIONALLY THESE ARE AN ADVERSE ITEM AND THE CONSUMER REPORT DOES NOT INCLUDE ADVERSE ITEMS OTHEN THAN : PER 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports " any other adverse item of information, OTHER THAN records of convictions of crimes which antedates the report by more than seven years '' Additionally The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account ILLEGAL. THE LEGAL Definition PER THE IRS Clearly says a Cancelled debt or " Charge off '' is Income. I never received a 1099-C FROM for the cancelled debt. These companies are writing off debt with the IRS WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGALL. ALSO In Their TERMS and conditions they agreed not to share my information with non affiliates. XXXX, EXPERIAN, and XXXX is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
Consumer complaint received 2017-05-10
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: Experian Information Solutions Inc. (NY)

Over the past few years I 've been disputing an outstanding collection on my credit reports with experian and XXXX. The situation is i purchased a cellphone from XXXX through XXXX XXXX XX/XX/2014. I was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to XXXX.  Down the line a receive mail stating I owe XXXX XXXX XXXX for something that i returned and do not own. I returned to XXXX XXXX to get a copy of the retiring receipt which i forward to the collection company ( XXXX XXXX XXXX and the Reporting agencies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.
Consumer complaint received 2017-08-19
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: MSW Capital, LLC (TX)

XXXX XXXX IS THE ORIGINAL OWNER OF THE REPORTED ACCOUNT. THE ACCOUNT WAS SECURED WITH THE TITLE OF MY XXXX XXXX XXXX XXXX. MY VAN WAS TAKEN AND MY TITLE NEVER RETURNED TO ME. XXXX OBVIOUSLY SOLD THE ACCOUNT AS A COLLECTION ACCOUNT NEVER DISCLOSING THE FULL DETAILS OF THIS ACCOUNT TO XXXX XXXX.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (PA)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2017-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I opened an account with Coinbase a US company and purchased a digital currency called XXXX and XXXX, I am a XXXX based Citizen and Resident. I viewed my account whilst travelling with my employer an international Airline to a country ( XXXX ) where I was staying for. Few hours at the Airport hotel. Then suddenly and without warning Coinbase froze my account and funds. I did not make any transactions just viewed the value of my account as one would with any other financial foreign exchange account. I have sent ID such as bank and passport details and have contacted Coinbase on many many occasions with just a computer standard response, please advise as there actions are very questionable.
Consumer complaint received 2017-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc. (NY)

My wife XXXX XXXX was in XXXX XXXX Hospital from Thursday XX/XX/XXXX through Sunday XX/XX/XXXX. Without our request, the hospital admitted my wife to a semiprivate room on the XXXX XXXX. My wife is not a child ( DOB- XX/XX/XXXX ). We disputed the {$300.00} co-pay for the semiprivate room with the hospital with XXXX last name unknown on XX/XX/XXXX and XXXX last name unknown on XX/XX/XXXX. Both of them promised us a response from a supervisor at the hospital. We got no response. Instead we got a collection letter from Receivables Solutions , Inc,  XXXX XXXX XXXX, XXXX, South Carolina XXXX. 

We should not have to pay for a semi private room on a children 's ward that we did not request. Only the geniuses at XXXX XXXX Hospital can explain how my wife was placed in this room. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck.
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
Consumer complaint received 2024-10-08
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hi there I 've tried to dispute some inquiry with transunion to no avail these inquiry should not be on there they just started showing up and they would no do anything about them there is about XXXX of them the dates are as followed XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX please have them take care of this please and thank you for your time
Consumer complaint received 2017-08-19
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: Experian Information Solutions Inc. (FL)

I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me
Consumer complaint received 2017-08-19
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. (FL)

I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MI)

I received a zero percent balance transfer until XXXX 2018. I had my insurance payments charge to this card. I paid these charges off along with the minimum payment each month. I was still charged interest on these charges despite that fact that I paid them off. A representative told me previously that I would not be charged interest if I did this. I spoke to another representative today and she told me that I not only will be charged interest for charges I made, but I would also be charged interest on an additional amount next month that I did not understand. I asked her if they charge interest daily. She said no. But I do n't understand why I am still being charged interest on an amount that I paid off plus more than the minimum monthly payment
Consumer complaint received 2017-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Company called with numbers that were unavaible or unknown to me and never left a voicemail identifying who they were. I had been on stress leave and did not have my direct deposit going into my account and each time I bought something on XXXX though I had credit they charge my bank account. And they caused repeated nfc on my bank account.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (NC)

In XXXX XXXX I was approved at Belk Dept.store in XXXX, NC XXXX. I charged to full limit and never paid late. Purchases were between store and online. My card was lost in XXXX. I received a new card and activated it on or around XXXX XXXX XXXX. I attempted to make and online purchase and purchase was denied. I called Belk around XXXX and was told to reapply. I was told the active card, activated around XXXX XXXX XXXX was not active due to not making purchases. My last purchase was made online and Belk could not find the record. I was told the only way to reactivate the approved successfully activated card was to reapply. I reapplied on XXXX or XXXX. The application generated a message that I would have status of application 24-72 hours as I recall. Today, I received an email stating I was denied due to previous approval. After at least an hour I was transferred to an underwriter at exactly XXXX eastern time I was hung up on by Synchrony Bank underwriter who said I needed to reapply because I did not speak to and underwriter soon enough, I asked what the time frame required was and was told it is specific to each application and each applicant, then he asked when did I apply, I said 24-72 hours ago, his response was that this is my answer to my question. I said my question was, when did your company pull my credit report and why was I not advised to contact an underwriter, and what is the time frame. My report was pulled 24-72 hours ago, why am I being requested to reapply? The letter that Syncrony generated I am copying email to me on XXXX at XXXX XXXX : Synchrony Bank has received your request for credit for a credit program with BELK. Regretfully, your request can not be approved at this time. The boxes checked indicate the following X The request was judgmentally reviewed and denied for the following reason ( s ) : PREVIOUS APPLICATION APPROVED