davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX should not be reporting to XXXX and Transunion a collection in the amount of {$16000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) As part of my divorce settlement, my ex-husband was awarded ownership of the property. I immediately contacted XXXX XXXX XXXX to request they notify me should this account ever be in danger of reporting late payments. I wanted to make sure that if the account was in jeopardy that I would be able to make these payments to avoid any negative reporting on my credit report for the lack of due diligence of making the timely payments by my ex-husband. The account was reported as having late payments and I was never notified by the bank as requested and consequently the residence went into foreclosure before I could do anything to stop the foreclosure proceeding. I am not legally responsible for the property however, the lates and foreclosure are showing up on my credit report. This false reporting has cost me over 80 points on my credit score. This lack of correspondence and follow through from XXXX XXXX XXXX has seriously harmed my credit score and this line item needs to be removed. XXXX is reporting correctly. I no longer had any legal responsibility to this loan however, to assure that the loan was never to go into default, I wanted to cover my bases with XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bank as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

I purchased appliances from Lowes.com on XX/XX/20. Invoice # XXXX. The total amount purchased for all appliances was for {$3300.00}. I made a partial payment with a {$50.00} gift card, leaving a balance to be paid of {$3200.00}. The appliances were delivered and charged to my credit card on 2 different dates. The charges did not appear on my credit card until the appliances were delivered. The first charge was for the stove and refrigerator totaling {$3100.00}. The second charge came when the dishwasher was delivered for an additional {$610.00}. Now, I am being charged a total of {$3700.00} ( less my {$50.00} gift card ) on my Lowes Consumer Credit Card which is incorrect and does not reflect their sale price on my invoice. I have been trying to resolve this over many phone calls between the Lowes credit card company and Lowes with no success. I spoke with someone who said they would resolve it but it never was. Lowes has no record of the person I spoke with and I am still being charged the erroneous amount. Nobody will help me. In fact, they emailed a fictitious invoice that dont reflect the sale discount and that I never even saw before. I have pictures of the sale they were running at the time of my purchase that proves I should receive the correct price. I believe they are trying to not give me the sale price. But the amount theyre charging me doesnt even reflect that so I have no idea where they are getting these charges from.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (CA)

this account below is not mine. i am requesting this company to validate and confirm this debt is not mine, i would like this account removed from my credit report in 30 days or less. 

B SOURCE RECEIVABLES MNG XXXX Directory : XXXX XXXX XXXX XXXX {$2300.00} COLL {XXXX} 001 - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT INFORMATION DISPUTED BY CONSUMER ; ORIGINAL CREDITOR : XXXX
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had this credit card with BoA for probably twenty years. My ex-husband left me with a lot of debt on this card and I paid it all off last year, over {$30000.00}. My credit limit got reduced slightly at some point but was still I believe over {$25000.00}. This year I used the card very little because I am trying to refinance my mortgage so that I can hold on to my home post-divorce. Recently I noticed I had missed a payment, not realizing that I had used the card for some on-line purchase. I paid the total in full, to zero. It was about {$450.00}. The next day, I received notice that my credit limit had been reduced from over {$25000.00} to {$500.00}. 

I called BoA to find out what happened and to complain. The woman on the line kept telling me how much she valued me as a long-term customer but that she was unable to explain why my limit would be so drastically reduced. She promised that someone from the correct department would call me the next day. No call that day, nor the day after that. it has been five days, still no call. All I got was a letter with no explanation except to say that my credit report showed a delinquent bill. 

I am in good standing with mortgages on my home and rental property ; all are in forbearance and I make regular monthly payments to cover the interest. I had one blip on my account from a company that bought an old debt of my ex husbands from XXXX and put it in my credit score ; I quickly got that removed. So I have no idea what this is about, but a credit limit reduction of that size is going to damage my credit score so irreparably that I will literally not be able to refinance my mortgage. This decision by a company that I have faithfully been a customer of for twenty years, and with whom I paid last year, by myself, a {$30000.00} debt to XXXX, has just made it impossible for me to hold on to my home because of the impact of this unfair decision. I was rarely even using this card this past year, so there was no risk of my suddenly using up the credit! 

If they want to make a reduction in my credit limit, they need to explain what it is about and allow me to correct the record if they are wrong ; if they still want to make a reduction, it needs to be a reasonable reduction, not a reduction of XXXX percent of my original limit!!! They have claimed to care about their customers, and this is how they treat a customer of 20+ years, destroying our relationship and making it impossible for me to refinance my mortgage and hold on to my home during a global pandemic and a difficult divorce.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

The following items are located on my credit report and does not belong to me. Please have them provide proof of ownership. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (HI)

On XX/XX/XXXX, I purchased {$1900.00} worth of Bitcoin. I sold my position on XXXX XXXX, XXXX, and should have seen a transfer to my bank account in the amount of {$2900.00} in 3-5 business days. I still have not seen my money. 

On Coinbase.com, I have opened case Case # XXXX with them on XX/XX/XXXX, and Case # XXXX on XXXX XXXX, and have not heard back.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (MD)

Wayfair was notified on XXXX XX/XX/2020 to cease & desist ( 15 USC 1692 c ( c ) ( 1 ) ( 2 ) ( 3 ) all communications and you continue to ignore federally mandated consumer protection laws. You failed to validate this alleged debt that is inaccurate ( 15 USC 1611 ( 1 ) ) nor did you ever receive written consent to furnish information on my credit report which is also a violation of my federally protected consumer rights. You continue to send a bill for this alleged debt which is a violation of 15 USC 1692 b ( 2 ). Wayfair continues to harass me by sending bills after they received a cease & desist order and is a violation of 15 USC USC 1692 D. You have also failed to communicate on the attached bill that this is an attempt to collect a debt which is also a violation of 15 USC 1692 e. The alleged debt you are attempting to collect is also a violation of 15 USC 1692 F ( 1 ). Pursuant to my federally consumer protected rights 15 USC 1692 J, by Wayfair continuing to report this alleged debt on my consumer credit report to the 3rd party credit reporting bureaus is also a violation.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Equifax, XXXX and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (SC)

I am writing to dispute the following information in my file : <Item 1 : I C System, XXXX XXXX, Collection opened date : XX/XX/2020, Balance of {$610.00} incorrect. I filed to have this item disputed and it hasn't went away yet. 

The item I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that this item be <deleted / adjusted/ removed from my credit history> in order to adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MI)

On or around XX/XX/XXXX I closed on a no cash out refinance of my primary residence mortgage with a new lender Loan Depot. Prior to the closing I provided them with evidence of hazard insurance along with the new lender mortgagee/loss payee clause. On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Loan Depot informing me that my hazard insurance was expiring and that they did not have evidence of coverage. As a result of this they were going to purchase force placed insurance coverage if I did not provide them proof. I contacted the XXXX XXXX XXXX  XXXX and ask them to fax over the current policy declarations along with the lender clause showing that Loan Depot was listed as mortgagee/loss payee. This was done on XX/XX/XXXX. Prior to requesting my insurance agent to send this fax, I logged onto Loan Depots website and was able to confirm that they had hazard coverage in that there was no expiration until XXXX, XXXX. I called Loan Depot on XX/XX/XXXX and spoke with a customer service agent. They informed me that my agent had sent them proof of coverage and that no force placed coverage would be bought. I requested they send me written confirmation that they had coverage in file and that they would not be proceeding with force placed coverage. They refused to acknowledge in writing this fact that I was not in default and that they would not force placed coverage. They need to be held accountable for sending me a letter informing me that I was in default of my loan terms for failing to provide adequate coverage when in fact they had it before the closing took place. If they are going to send an in accurate nasty gram, they should also follow it up with a letter of apology for their mistake so that I dont have the mental burden of wondering if they are going to Force Place coverage.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc. (TX)

CONN APPLIANCES , INC CONTINUES TO REPORT TO THE CRA 'S A DEBT THAT IS NO LONGER VALID, OVER SEVEN YEARS OLD. ITEM HAS BEEN DISPUTED NUMEROUS TIMES AS TO THE VALIDITY OF THE DATES AND REFUSES TO REMOVE ITEM.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (KS)

Opened new XXXX Synchrony Bank MasterCard account on XX/XX/XXXX. Promotional offer : Spend {$500.00}, first 30 days, and receive a statement credit for {$150.00}. Spent {$440.00} on XXXX & {$1000.00} on other purchases. Paid balance in full XX/XX/XXXX. Three telephone calls, FTC complaint ( XXXX ) filed on XX/XX/XXXX, and receipt of Bank disposition letter on XX/XX/XXXX. CS feedback : Promotion offer was to spend {$500.00} on XXXX. This term is not reflective on sites TOS ; appears to be deceptive trade practice. I had met all prerequisites ; the bank should honor the {$150.00} statement credit offer.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

I reviewed my credit report and have discovered inaccurate personal information that must be immediately investigated. Theses addresses and misspelling of my name shows several items inaccuracies and do not show my true credit history and these items should not be on my report. Pursuant to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be verified and removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. I am also disputing the misspelling and incorrect spelling of my name, addresses, and telephone number. I am requesting that they be updated and remove that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX/COMENITY/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please Delete Name that does not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PLEASE DELETE SOCIAL SECURITY NUMBER : XXXX
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

XXXX XXXX serviced by LoanCare, is constantly late with their statements. The issue I have now is I made payment in late XX/XX/XXXX for payment due XX/XX/XXXX. Payment still not posted and I try to call to discuss. They are non-responsive. Can't get through to anyone. Have made +10 calls in the last 10 days. Online inquiries go unanswered. Now they are assessing fees. They say to call back in low volume hours but I call morning, afternoon, night, and weekends and no one answers and force you to limited choice online experience with NO option to speak with someone in customer service. What options do I have?
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX  XXXX 2020, I transferred $ XXXX from my Bank of America checking account to my XXXX brokerage account. My Bank of America account activity displays the transfer following a confirmation number. However, my XXXX account activity shows the $ XXXX was credited on XX/XX/XXXX, immediately following - $ XXXX. I was told by XXXX that the transfer was unsuccessful due to missing information and should've been refunded back into my Bank of America account. Bank of America eventually told me that the funds landed with XXXX, an institution I've never heard of and am not affiliated with. I asked Bank of America for details regarding the XXXX account that holds my funds, but they said I'll need a subpoena to request the details of the account. XXXX will not provide any details unless I have an account number. I've exhausted all avenues that are available to me. I've been in contact with dozens of representatives but these are the two that I've e had the most contact with : XXXX, XXXX XXXX XXXX extension XXXX, Bank of America, XXXX XXXX XXXX.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 Transunion LLC added a debt from XXXX on my credit report. This was already removed from XXXX due to it not being my debt. I demand that this item is removed off my credit report immediately or I will have to file for litigation.My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-01-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (UT)

Citifinancial decided yet again to transfer my loan and change my account number which resulted in them taking my money but refusing to apply it to my account. Now I am being charged interest in should n't be and I can not do my taxes
Consumer complaint received 2021-01-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA (AL)

I paid off loan # XXXX for a XXXX XXXX on XX/XX/XXXX, I have not received the title for this car, I was told that the title was maile to the state of Alabama. The state says they do not have the title. 

My Profile Contact Details First Name XXXX XXXX XXXX Last Name XXXX XXXX XXXX XXXX XXXX Email XXXX MY ACCOUNT SummaryDetailsStatements Vehicle Description XXXX XXXX XXXX  VIN # XXXX Customer Name XXXX XXXX Current Amount Due {$0.00} Total Amount Due {$0.00} CHECK PENDING PAYMENTS Last Payment Amount {$5000.00} Last Payment Date XX/XX/XXXX Principal Balance {$0.00} Contract Date XX/XX/XXXX Payment Due Date XX/XX/XXXX The principal balance on your account is the amount unpaid on the account, but does not include interest or other charges. This is different than Payoff amount. 
AUTOPAY Say goodbye to stamps and checks. Say hello to ease and convenience. 

Sign up now YOUR DEALER ( XXXX ) XXXX XXXX XXXX XXXX PhoneXXXXFax.XXXX Visit dealer website OUR COMPANY CONTACT US FAQS CAREERS SITE MAP FIND A DEALER TERMS & CONDITIONS PRIVACY POLICY
Consumer complaint received 2021-01-26
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: DISCOVER BANK (TX)

Discover Financial indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report.
Consumer complaint received 2021-01-25
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. (LA)

On my credit report they show i have 10 late payments on my account and i had only three and the three has been corrected by the company and they have not changed the report and my scores this has been going on for 6 months. I have missed offers on buying a house due to the lack for urgency to fix the problem. They keep saying verified and i talked to the companies and they said they have corrected with the credit bureau. 
They also have a bankrupcy on my account that was not varified by the courts and i ask them to remove it from my report. I sent verfication i has one agency remove but the other two refused. Which caused me to miss out on my getting loans for a home and my car interest rate higher than anyone else with my credit scores.
Consumer complaint received 2024-08-30
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. (GA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TransUnion and XXXX have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (DE)

I contacted XXXX  and and the company claiming I owed them but the bill was covered and paid in XXXX of 2017 and should have NEVER been placed in collections. I even submitted copies of th XXXX  showing XXXX already paid it
Consumer complaint received 2021-01-25
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: CITIBANK, N.A. (FL)

On my credit reports there is a closed account with huge amount of missed payments. BEST BUY/CBNA Opened XXXX. XXXX, 2011 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.