davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

The New XXXX XXXX XXXX XXXX  Website is Here AXXXX XXXX   XXXX Shop smarter by taking advantage of all the featured offers Alert : Change to your credit file detected, XXXX XXXX  Experian to me 7 hours agoDetails Experian Membership ID # XXXX   Member Sign In XXXX , please review your alert Credit file There's been a change to your Experian credit file.

Click for details Image Image Don't forget If something looks incorrect on your Experian credit file, dispute it in our Dispute Center and well review it.

File dispute XXXX XXXX XXXX XXXX XXXX XXXX   XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian CreditWorks Basic, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book.

Privacy Policy XX/XX/2018 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX.

XX/XX/2018 XXXX XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US Experian Reply Forward XXXX XXXX XXXX Conference on " Integrating Spirituality, Mindfulness and Compassion in Me ...

JXXXX XXXX XXXX XXXX No Images? Click here XXXX XXXX XXXX Email Blast Powered By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Like Share Forward Preferences | Unsubscribe This is the problem when requested to " unsubscribe '' with Experian marketing, promotions and charges for further credit reports was not a follow response that my email will be removed only that Experian is aware of a unsubscribe will continue send emails against a consumers wishes! If there others out there experiencing an like this I have file a compliant about this breach and imposed continued harassment of unwanted emails that needs investigation and amendments to respect others right to privacy instead still using it as a source of public records invasion, too!

Thank you for this time to respond to these wrong doings!

XXXX XXXX
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am having trouble with a Experian website that is run by abe.illinois.gov, and have the Experian Ref # XXXX.

I tried to manage my case with the Illinois XXXX  portal website to update my phone number with them. Was unable to be verified and continue to run into this glitch issue.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Unifin Inc. (FL)

I keep getting weekly phone calls from UNIFIN.

When I inquire about the reason for the call, their reply is just answer Yes or No " Am I speaking to ( my name mentioned ), I would then reply you called me, so please tell me what this is about. They reply : is your address -- --, I then reply please help me understand why you are calling me, they would then reply, just answer Yes or No to the question.

I've asked them to please stop calling me especially during my XXXX XXXX XXXX. Once I called them back telling them to stop harassing me, I used another phone line, and a young lady replied if you don't answer my question I will just have to keep calling you, you'll loose everything. 
Now that is where I stated enough is enough I need to file a complaint.
Consumer complaint received 2018-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (IL)

XXXX XXXX through their Research Services Department sent a letter to me documenting that after I closed a Mortgage with them in XX/XX/2014, I was owed {$900.00}. I have responded to CitiMortgage to get my money, now they are unable to account for the status of the refund they notified me I was owed.

Their uninformed call center in the XXXX  has no clue what is going on. It has been impossible to speak with someone who is able and willing to resolve the issue.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

I opened a personal checking account with BBVA Compass under a promotion that earned me a bonus after my first direct deposit from my employer. After XX/XX/XXXX I moved my direct deposits to another bank. On XX/XX/XXXX I received an email that I could earn {$50.00} just for setting up and receiving a qualifying direct deposit to my account ( it specifically mentioned last 4 digits of my account ). It said that I need to set up and receive your qualifying direct deposit ( s ) by XX/XX/XXXX to qualify and once one or more electronic direct deposits from an my employer or a government agency totaling at least {$500.00} post to my checking account BBVA Compass will deposit {$50.00} to my checking account within 60 days. 
I had 2 direct deposits of more than {$1300.00} post to the account. First one posted on XX/XX/XXXX and second on XX/XX/XXXX. Both these were from my employer. Few days back I called them about bonus and I was told that I have met the condition and my bonus will post within the 60 days from XX/XX/XXXX. I was told if it does not post then I should call them to get it added manually. I called them today and now they are saying I am not eligible for bonus as the direct deposit I received is from the same employer as last year! This is the most weirdest thing I have heard. Now they want me to change employer in order to get {$50.00} bonus! I tried to reason but to no avail. I asked the representative to connect me to a supervisor but after putting me on hold for sometime I was told all supervisors are busy and there is no one available to talk to me. I was then told someone will call me in sometime but nobody called me.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/2018, I submitted a complaint to your company and the status was closed. This portfolio Recovery has sent to me a form for identity theft, I havent filed any police reports due to my information being used years ago a freeze was put on my credit file bug that was only good for so long.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (OH)

Synchrony falsely advertises my home card can be used at XXXX XXXX. I went to XXXX XXXX in XXXX ohii and the card would not work. I spoke to a supervisor on XX/XX/XXXX from synchrony who told myself and XXXX from XXXX XXXX that I should be able to use the card by XX/XX/XXXX. I went back today and the card still would not work. They are fraudently advertising my synchrony home can be used at XXXX XXXX. Then they are lying to XXXX  and myself stating that the card will work by XX/XX/XXXX.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

I had already submitted a complaint on this company and you were able to have them take back the account or however they decided to deal with it and I have been making payments. This is after speaking to a Supervisor and she saw that what had transpired was incorrect prior to my reporting to you. So she decided that I should just call in with the payment ( she did not give me a specific amt because of what had happened, I was just going to pay until it was done ) I made 3 payments before and called in with my fourth today. 
However, today XX/XX/18 I called XXXX XXXX XXXX, the number I was told to call and make the payments ( I have already made payments with them ) the person answering the phone operator XXXX XXXX XXXX, told me that I could not. 
She kept on looking at the old information and telling me its with an outside collector ( I AGAIN, if it is was not advised, the same reason I had to complain before ). She claimed to have gone and checked and came back saying that I have to make the entire payment TODAY, in order for her to take the payment.. 

SHE DID NOT TAKE THE PAYMENT SO NOW i HAVE NOT PAID AND i DO NOT KNOW THE STATUS OF THE ACCOUNT BECAUSE OF THE AMBIGUITY WITH THE EMPLOYEES.
Consumer complaint received 2023-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

I received a letter from Transworld Systems Inc. in early XXXX indicating I had an outstanding debt from XXXX XXXX account number starting with " XXXX '' which I do not recognize. I never received a bill from XXXX XXXX and they never attempted to collect any money from me. TSI also provided no additional information to verify what the amount is for. The letter did state I had until XX/XX/XXXX to respond by disputing or asking for additional information, but provided no date for when payment is due. 

I then received a second letter less than two weeks later attempting to collect the debt again with even less information. Upon viewing the payment site, it looks fraudulent and none of the phone numbers, logos and addresses match. I can even enter an incorrect SSN into the registration site when attempting to review the debt. 

This is highly unprofessional and has me concerned this request is fraudulent. If this is a first attempt at payment, then a due date should be provided and respected. The harassment of sending multiple letters is disturbing
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

Hello There, I tried reaching out to Oportun regarding the status of my account. I called them multiple times about my account and payments. With the loss of my job, Oportun placed me into a hardship program. I was able to continue to make payments on the account. However, they have my email, number, and address to stay in communication with me. During the time Oportun did not reach out to me regarding my account they continued to let the days accumulate. Oportun has me in the system to call or text. I told them I would like communication due to financial hardship and losses in my family. They failed to communicate with me regarding my account. I called in to discuss my account the representative stated they charged off the account and your account has been sold. I dont understand why they would do this to me when I requested communication. Oportun continued to take payments but didnt follow up on my account. The balance on my credit report is incorrect and Im requested that the charge off be removed.
Consumer complaint received 2018-08-01
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: JH Portfolio Debt Equities, LLC (MA)

JH Portfolio Debt Equities for amount of {$2100.00}. I have filed a report for fraud and JH Portfolio Debt Equities is still harassing me by reporting this fraudulent account to XXXX credit report agency
Consumer complaint received 2018-08-01
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. (PA)

Since XX/XX/XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

I am looking to rent a house and after I had applied for the application ( {$150.00} ), paid for first month rent ( {$1500.00} ) and security deposit ( {$900.00} ), the landlord has disappeared and will not return my money or phone calls. I tried to recover the funds through my bank but theyve claimed theres nothing they can do. Now Im facing the final weeks of where I live and dont have the money to find another place. The landlord had asked me to send him for MORE money for repairs/paint ( which is the CURRENT tenants responsibility ) and I knew that wasnt right so I filed disputes on the charges. Because PNC says theres nothing they can do, this person is free to take {$3000.00} from every person who clicks on his fake listing now.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to XXXX and Experian after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course XXXX couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to Transunion and XXXX after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course XXXX couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection Services Inc., added an account to all 3 credit bureau agency 's reflecting that I owe {$310.00} to XXXX XXXX XXXX XXXX. I transferred my service to XXXX XXXX   in 2017 with is a subsidiary company, XXXX XXXX XXXX XXXX I called a XXXX XXXX XXXX discussed my bill with them and told them I was unaware I had bill because I'd never received a bill in the mail. XXXX XXXX XXXX corrected my bill and I paid XXXX XXXX XXXX {$280.00} to themXXXX XXXX XXXX XXXX   also informed me that in 15 days, they would report my account as paid and Franklin Collection would remove their account from my report since they collected the debt. I called Franklin Collection Services to let them know, they need to delete/remove the debt from my report, because I don't owe them anything. I spoke to XXXX with Franklin Collection Services, and she advised me they will only update it as paid. I told her no, this needs to be removed because I did not owe Franklin Collection Services, I owed XXXX XXXX XXXX  and I paid them and that they are reporting false information on my credit report. This has hurt my credit score, and I'm in the midst of purchasing a home.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I maybe entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you VERIFIED that this item was being REPORTED CORRECTLY? WHO verified this account? You have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

THIS LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand this account be verified or deleted immediately. 

Account XXXX XXXX
Consumer complaint received 2018-08-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am in receipt of Select Portfolio Servicing ( SPS ) response dated XX/XX/18, which was not received by me until XX/XX/18. SPS continues to be in violation of 12 CFR Part 1024 ( Regulation X ). They have not sufficiently responded to my error notification and qualified written request for information, which is dated XX/XX/2018 and XX/XX/2018. In fact, they refused to answer many numerous questions and address my concerns. See attached documentation. SPS continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
Consumer complaint received 2018-08-01
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. (SC)

We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our home.
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MI)

I never received any notification of the debt, I just happened to check my credit report and saw a collection for {$1500.00} from Sunrise Credit Services on behalf of XXXX XXXX. I paid said debt and it's still showing that it's unpaid and has pull my XXXX Credit Score down.