davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I NOTICED IN MY CREDIT REPORT ACCOUNTS IN TRANSUNION THAT ARE INACCURATE AND I TREID TO REACH OUT TO THE TWO THE CREDIT BUREAS IF THEY CAN INVISTAGATE AND RESPOND TO BE WITHIN IN 30 DAYS. THEY HAVE NOT RESPONDED SINCE MY FIRST LETTER THAT I SENT CERTIFIED. ON XX/XX/XXXX. 

HERE ARE THE TRACKING NUMBERS. AND THEY WERE RECEIVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I was attempting to refinance my present mortgage for a lower rate. I maintained a timely payments to help my credit score. But in XX/XX/2021, even though I made my payment, SLS mortgage servicing claimed they didn't get the payment. I explained I had a receipt. They denied receiving a payment. I knew what they were doing so I had my bank ( XXXX XXXX XXXX ) send the payment by check. SLS processed both payments and they still reported my account to the credit bureaus as thirty days late. XXXX  XXXX XXXX says they processed their check on XX/XX/XXXX but they didn't credit my account. 
They have dinged my credit and stopped my refinancing attempt. They are making a 6 % interest rate and they have said they are installing their insurance on my escrow.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I submitted my bankruptcy discharge documents to equifax on XX/XX/2021 Instead of updating to Discharged they deleted the BK & all accounts included in bankruptcy no longer stated included in bankruptcy & are now showing as open, some with balances & charge offs. The accounts should not be reporting as open & should note that they have been discharged. With a XXXX balance. this is a violation of the Bankruptcy law. I have processed a dispute for all of the accounts that need to be updated to reflect this. my XXXX account wasn't discharged it was reaffirmed. But I will wait for XXXX to update that. the other accounts that are in dispute need to be updated or deleted entirely.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

The debt in question was billed in error. My employer ( XXXX / XXXX ) offered courtesy services but the service was not coded to waive the monthly fee. I cancelled the service when I found out this was not a covered expense, but the bill lingered for months despite multiple attempts for my employer to correct it. When separated from the company this bill was sold to a 3rd party debt collection company in error as part of a bulk sale of debt accounts because it showed as over 6 months old. My previous employer no longer had access to correct it. When I disputed it with the collection agency they sent me a copy of a bill stating it was proof of the debt, not the original contract or the cancellation docs which were all dated within the cancellation period.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, I received two {$520.00} payments in my checking account from a person using XXXX. The person called me that she had sent me the payment two times. She was notified by the system that the " payment failed '' after her first attempt, so she send me the same amount again and noticed two payments have been deducted from her bank account. After I checked my checking account at Citibank confirming that I indeed received two payments of {$520.00} from her, I sent her back {$520.00} via XXXX in order to return her duplicated payment. 10 days later, on XX/XX/2021, a debit of {$520.00} showed on my Citibank checking account statement with a description of " XXXX Debit Adjustment ''. I called the bank on XX/XX/2021 questioning this transaction and was told that I received two payments of {$520.00} on XX/XX/2021, so they are taking it back. I explained that I have already paid back the fund to the sender on XX/XX/2021 as they can see the debit of {$520.00} on that day. Citibank customer service told me that I should reach out to the sender asking her to return my {$520.00} payment. I did ask the sender if she received a credit adjustment in her bank account before I called and the answer was " no ''. Citibank customer service opened a case for me for further investigation. I called the customer service again on XX/XX/2021 to follow up on this matter as I need the money to pay bills at month end. Response from Citibank was disappointing as it will take them at least 10 business days to respond. I ended up borrowing money from my relative to cover my bills that month. 
On XX/XX/2021, I received a letter from Citibank dated XX/XX/2021. The letter indicated that they denied my dispute of the {$520.00} XXXX adjustment happened on XX/XX/2021 due to the following reason : " On XX/XX/2021, you authorized a person to person funds transfer in the amount of {$520.00}. After further review, we have found there was a technical issue in sending the funds and the funds have now been resent to the recipient 's financial institution. '' The above assessment was wrong. The XXXX payment I initiated was already deducted from my checking account on XX/XX/2021. It should be noted that on XX/XX/2021, I reached out to the sender asking her again if she has received a credit of {$520.00} in her account. The answer was still " No ''. 

I called Citibank on XX/XX/2021 to appeal their decision, but it will take them another 10 days to respond. I am deeply concerned if Citibank has the competency to solve this matter and give my money back. People like me who live paycheck to paycheck really depend on these couple XXXX dollars. And why do I have to take on the cost of this mega bank 's system problem? This is a major system issue, I wouldn't be surprised if there are other banks customers got affected by this.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MI)

TD Bank target card is reporting late payments on my credit report. 
i have never been late on my credit cards they are all on auto pay. 
this is effecting my life i lost a 6 figure income job cause this was on my credit report.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Was called under impersonation that they were with XXXX XXXX XXXX and was trying to serve a court summons on me. I called they number of the lawyer suppossedly holding the case. Come to find out when I called it was the XXXX XXXX XXXX XXXX and not the lawyer for this case. I was told capitol One Credit card in 2006 owed XXXX. Payments of XXXX ( 2 ) were made on this to stop any legal procedures. They would send via email the contract for 12 months of XXXX to pay this off. I looked up on internet about this company and what a scam I was put thru.
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-07-16
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: Global Lending Services LLC (TX)

Apparently there has been a data breach which is the reason why I filed out the identity theft report with the XXXX County Police Department as well as the FTC report because I did not authorize these inquiries on my credit and I need to get these inquiries removed from my credit report immediately.
Consumer complaint received 2021-07-16
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. (MA)

I am extremely upset that the credit bureaus have not responded back to me yet about my investigation. I need these accounts that dont belong to me to be deleted from my credit report as soon as possible. It has been over 45 days and I still have not heard anything.
Consumer complaint received 2021-07-15
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: BARCLAYS BANK DELAWARE (NJ)

please check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-19
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. (MO)

THIS IS XXXX XXXX. NO ONE ELSE IS SUBMITTING THIS COMPLAINT BUT ME XXXX XXXX! 

On XXXX XXXX I sent a dispute letter to Experian. I understand that they have 30-45 business days to respond with verification but they have not! I have been completely ignored! I am in the process of fixing my credit so their non communication is a very big inconvenience!
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Another debt collector like XXXX XXXX XXXX XXXX that pretends to collect a debt with out investigation the nature of the truth.

They said the same as XXXX XXXX XXXX that debd is been validated, then when I requested original documentation where shows amounts owed, they just switched to another company. I personally believes this is the game the utilize to rip off people with the excuse of " collecting a debt ''. Their practices are not completely clear.

I have had trying to contact them several times and never answer, neither provide the information requested.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I have been using cash app to send and receive funds, my XXXX XXXX account is attached in order to do so. On XX/XX/2021 i was refunded 4 {$50.00} by a XXXX equalling {$200.00} cash app says the funds would be refunded back to my account and never were. Again on XX/XX/XXXX for {$75.00} from a XXXX, and again XX/XX/XXXX for {$50.00} and {$100.00} from XXXX. I am told by cash app to dispute charges with bank and bank tells me they cant dispute cash app not refunding money to my account, i have my bank records showing all of these funds coming out and not being returned as well as all communication between cash app and myself and my transactions history with cash app where it shows that money was supposed to be refunded to my XXXX XXXX account. I have talked to a manager and multiple cash app customer support agents, multiple bank representatives and the lady who refunded money and have gotten no where and no ones help. If you need further proof or bank records i am happy to forward those so well
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (NY)

XX/XX/2021 I mailed letters disputing inaccurate or unknown things on my credit report.I feel like I am being taken advantage of and ignored on my disputes. Section 611 a of the fair credit reporting states that a failure to remove items within thirty days of an actual dispute without verifying the information or notifying the dispute holder is against its by laws. original documents have not been shown as request to verify negative accounts one my report such as the original contracts I allegedly signed. Stating these facts these inaccurate items on my credit report should be deleted immediately off my report, or I will file litigation based off the sever stress and damage this has cause me. I would liked for it also to be noted that my report has been compromised from the data breach caused by Equifax, and my personal information may have gotten in the hands of the wrong persons.
Consumer complaint received 2021-07-15
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. (NY)

XX/XX/2021 I mailed letters disputing inaccurate or unknown things on my credit report.I feel like I am being taken advantage of and ignored on my disputes. Section 611 a of the fair credit reporting states that a failure to remove items within thirty days of an actual dispute without verifying the information or notifying the dispute holder is against its by laws. original documents have not been shown as request to verify negative accounts one my report such as the original contracts I allegedly signed. Stating these facts these inaccurate items on my credit report should be deleted immediately off my report, or I will file litigation based off the sever stress and damage this has cause me. I would liked for it also to be noted that my report has been compromised from the data breach caused by XXXX, and my personal information may have gotten in the hands of the wrong persons.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I called to see why my balance was XXXX when balance was paid in full and they state that closed my account on XX/XX/XXXX because of credit so why was I approved in XXXX for credit card and then they close it now my credit score has went down because of this. 
Very unfair I had a balance of XXXX which I paid.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Date : XX/XX/2021 Subject : American Express Platinum Card Promotion CASE ID : XXXX Contact Time : Over 3+ hours via telephone and chat Proof of Fraudulent Promotion : XXXX : XXXX XXXX Applying fore Amex Platinum Card via promotional link on their website : XXXX XXXX XXXX XXXX  This is a fraudulent advertisement by AMEX to coerce new applicants XXXX open a line of credit and receive above the customary new account rewards points ( XXXX instead of XXXX ). 

Once the link to apply is clicked and are approved, the line of credit is opened in your name, a card sent to your address and no prompt for rewards are issued. 

This requires an individual to call AMEX to address your reward point amount. 
At this point they will notify you that you are awarded the customary XXXX rewards that has always been in place for this card. There is no XXXX bonus points. Its a complete gimmick to get you to open a line of credit in your name in hope you will inevitably end up using the card. 

Additionally, you are worse off if trying to cancel. You will have to incur the inital hard credit check and additional hit if you decide to close the line. 

Moreover, if you decide to inquire the process is as follows : - you must activate the card and start spending toward the XXXX in 6 months minimum spend for the promotional offer immediately. 
- During a period of 6-7 weeks ( will continuing to spend ) an AMEX team will review the promotional offer and issue you formal approval via mail if you are approved. 
- None of this is presented in the promotional print nor is there follow through by AMEX. 

This is a serious scam that should be addressed immediately and made known more publicly.
Consumer complaint received 2021-07-15
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: LendKey Technologies, Inc. (MD)

On XX/XX/XXXX, my granddaughter, XXXX XXXX, applied for a student with XXXX XXXX XXXX XXXX, through a subsidiary XXXX, with myself as a co-signer to attend XXXX University, a HBCU. Before completing the cosigner portion I called the company because of the options was retired and working, but I could only select one. So I asked the rep what should I do since I am a federal annuitant and I am still employed 9 months of the year. He stated I should just report my total income for the year. I received an email requesting copies of my 1099Rs, I forwarded copies of my OPM 1099 R, Social Security 1099R and W2 for my employment. I received another email requesting copies of my 1040s for XXXX and XXXX, which I provided and the last two pay statements from my employer. The next email requested a statement of my retirement account, how much received monthly and how much remained in the retirement account. I called to explain that as a federal annuitant, my retirement is for my life time, provided a letter from XXXX dated XX/XX/XXXX, showing my monthly annuity and deductions that stated at the bottom of the letter that it is a lifetime annuity and a a letter from Social Security stating how much I receive monthly. I called to ask if there was any thing else i needed to provided as a cosigner. On XX/XX/XXXX, my granddaughter received an email stating her loan was denied because of debt to income ratio. MY GRANDDAUGHTER IS NOT EMPLOYED AND HAS NO INCOME, this process took 2 weeks for this run around. On XX/XX/XXXX, we went online and applied for a student loan on Sallie Mae website. In took about 10 minutes and she was approved for a loan for the exact same amount and me just stating I was a retired annuitant. No request for any financial documents. We were discriminated, I believe, on the basis that we were XXXX American borrower and cosigner and for no other reason. I understand lending institutions have different criteria for processing loans. But I was only a cosigner, no the applicant. Sallie Mae 's loan process with a cosigner could not be that different.
Consumer complaint received 2021-07-15
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. (IL)

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires Credit Bureau to respond within thirty ( 30 ) days, yet you have failed to respond. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
Credit Bureau has failed to respond within time limited by law. 
1. I have never been late with payments on this account. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.