davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-02
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. (CA)

Hello, On XXXX XXXX, XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This XXXX have impacted reporting on your account for XXXX XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XXXX XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

In XX/XX/XXXX Synchrony Bank checked my credit and issued me a Lowes credit card with a {$300.00} limit. I recently made a small purchase with no issues. Last Thursday XX/XX/XXXX I tried to make another purchase at Lowes and it was declined. After calling the bank they explained to me that they closed my account because of my recent credit history. How is that they issue me a card based on my credit back in XX/XX/XXXX then suddenly close it without my knowledge or consent? I have other accounts with this company and Im afraid they will do it again. Closing accounts negatively affected my fico score.
Consumer complaint received 2017-12-02
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. (CA)

Hello, On XX/XX/XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I submitted an application for a BJ 's credit card. I didn't receive the credit card. I called BJ 's informing them I haven't received the card therefore paid membership directly at store XXXX XXXX XXXX PA. I received a call XXXX 2023 from Commenty Bank issuer of BJs credit card informing me I would be placed into collections due to unpaid charges on BJs credit card. I informed Commenty Bank 's representative that I've never received a BJ credit card and that I had informed BJs  of this. Commenty suggested I contact BJs  which I did on XX/XX/ 2023. I filed a complaint with BJ 's Customer Care. Once their investigation was completed, BJs  issued two {$55.00} credits totaling {$110.00} to the credit card. Although Commenty received the credits, the credit card interest rate on the two erroneous charges were not reversed. Instead Commenty Bank sold the outstanding interest charges was sold to XXXX XXXX XXXX ( debt collector ). I'm at my wits end on how to deal with Commenty Bank especially after I informed them I had not received BJs credit card and BJs reversing the membership fees charged to this card. I thank you in advance for any and all assistance you can provided.
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

I haved contaced Equifax XXXX starting on XXXX XXXX 2017 to present regarding I could not pulled my credit report within my product with Equifax. I was transferred to several people within Equifax trying to resolve this matter with my Equifax Product. I pay XXXX per month for this product and appears since the breach I have not been able to get into my product to get this most out of it. No one has contacted me back regarding this matter at this time. I have removed the security freeze in which Equifax Resolution dept said that was not allowing me to pull my equifax report, but after removing the freeze I still can not get my report from Equifax. I am very tired to calling and being passed to several people that really dont understand what is going on for resolution.I was given these conformation numbers : XXXX, XXXX, XXXX, XXXX and XXXX and still no help with my Equifax product. My contact info is XXXX home or cell XXXX.
Consumer complaint received 2017-12-02
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: SLM CORPORATION (ME)

on XX/XX/XXXX, I filled out a Smart Option Student Loan application with Sallie Mae to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to  e-sign your application. '' ******on XX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXXXXXX XXXX  XXXX XXXX Thanks for choosing Sallie Mae Bank and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from Sallie Mae removed from my credit report, please.
Consumer complaint received 2017-12-02
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: Experian Information Solutions Inc. (TX)

I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, Experian, and XXXX on notice and they have not complied within 30 days time frame.
Consumer complaint received 2017-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (ID)

On XX/XX/XXXX my husband paid Transworld Systems Inc ( TSI ) the full amount to pay off a medical debt and one other account that they said that I owed. My husband verified that this satisfied all debts owed to TSI, and was told that it did. However, the account continues to report to my Credit Bureaus. I requested disputes with XXXX twice ( thinking that XXXX and TSI were the same thing ) - both times the balance changed, but only by small amounts, and the account stayed on my report. We contacted TSI on XX/XX/XXXX and spoke with an agent. We advised them of the situation, gave them the confirmation number and the date and amount of the payment ( which we have the records of ). We were told that the account was paid off and that they would remove it from my credit and send us a letter stating that the account was paid in full. We have not received the letter and the account continues to not only report on my credit, but to also increase in balance each month. TSI has had 5 months to report the account as Paid in Full. Instead, each month, over the last 5 months, they have reported the account delinquent and increasing in balance.
Consumer complaint received 2017-10-23
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: EQUIFAX, INC. (FL)

XXXX XXXX charged me {$400.00} deposit on a cell phone I was purchasing in full, at retail price, in cash, in person. 

This happened when I opened my non-contract pay as you go plan. I purchased the XXXX XXXX XXXX. 

I later found out that they performed a hard inquiry on my credit. 

During this interaction, I had never BORROWED anything from XXXX. I am not on a contract plan, I am paying month to month. I feel that this credit check is unwarranted as I never applied for any line of credit or borrowing. 

I later sold this phone and disconnected the line. It took months and multiple phone calls to get this deposit back. They originally told me I would receive a check in the mail. I never did. They applied it to my account balance without notifying me. 

I had also purchased an XXXX phone at a different time, and was also charged a deposit. Again, no borrowing. I paid the full price for the phone. I have since sold the XXXX, and purchased a XXXX XXXX. I brought this onto the XXXX network by swapping my sim card. Now that the XXXX is no longer on my plan, I would like the deposit to either be credited to my account, or mailed to me. 

Throughout my experience with XXXX, I have had issues with my coverage. Especially after Hurricane XXXX hit my area. I get 1 bar of service in my apartment. This has n't been fixed, and it seems like almost every call to XXXX is STILL about trying to get my deposits resolved. They have not sent me a signal booster like I 've requested multiple times.
Consumer complaint received 2017-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (NY)

I called Premier student loan service and spoke to a rep who said that I would pay {$240.00} for XXXX months and then {$100.00} for every month after that for XXXX months then after speaking to him and submitting some information he got back on the phone and said that I would pay XXXX for the XXXX months and now my payment would go up to {$230.00} per month so I need some help in rectifying this problem because I believe that its a scam. The rep also said that he could get my payments for XXXX XXXX XXXX deferred but then said that wasnt possible and I would have to pay XXXX XXXX XXXX and pay him as well and so I believe that this is a scam
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

US DEPARTMENT OF EDU XXXX XXXX XXXX DEPARTMENT OF EDU | XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2017-12-02
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. (TX)

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, XXXX, and Transunion on notice and they have not complied within 30 days time frame.
Consumer complaint received 2023-02-13
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-01-17
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: EQUIFAX, INC. (SC)

I have repeatedly contacted EQUIFAX to resolve the issue of hard inquiries being made on my credit report. I have also contacted the companies personally regarding the same situation. Finally, I have submitted all copies, etc of letters to EQUIFAX. They have continued to not resolve the situation.
Consumer complaint received 2017-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

Please refer your attention to complaint number XXXX, This Complaint was filed on or about XX/XX/XXXX, and involved the manner in which the bank had computed overcharges on a checking account. It was apparently forwarded to Regions National Bank on XX/XX/XXXX. 

At the close of business that day, Friday, XX/XX/XXXX, the balance in my account should have been {$11.00}, However the last charge against the account that day was a charge of {$180.00}, apparently for four non sufficient fund charges at {$36.00} each made over the weekend of XX/XX/XXXX and XX/XX/XXXX and the charge for the overdraft which resulted from the application of the overdraft charge itself. 

The charges for the four overdrafts over the weekend were not processed until Monday, XX/XX/XXXX, On that same day, the account was charged another {$140.00}, apparently for the four.overdrafts which were processed on XX/XX/XXXX. Accordingly, from Friday, XX/XX/XXXX until Monday, XX/XX/XXXX, the account was charged a total of nine ( 9 ) overdraft charges at {$36.00} each, when only four overdrafts had occurred over that weekend, not including the overdraft which had occurred as the result of the application of the overdraft charges on XX/XX/XXXX. 

I would like to point out that in no other instance to my knowledge had the ban charged for an overdraft to the account which was the result of the application of the overdraft charge itself. But it is clear that this was the case on XX/XX/XXXX., These charges were made by the bank within a week after the original complaint filed in this case had been forwarded to the bank by your office. It is my belief that these charges were made in retaliation for my having filed this complaint. 

For this reason, I have not discussed this matter with the bank prior to providing you with this addendum. I plan on visiting the branch office of the bank on Monday to discuss this with the manager, but the last time I went to the bank to discuss this matter I was threatened with arrest. Please understand I need this account I just wanted to be treated fairly. It is the only means I have to collect my very modest pension and social security benefits. 
. 

.
Consumer complaint received 2017-10-23
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: ENCORE CAPITAL GROUP INC. (FL)

violated the FDCPA by knowingly attempting a judgment 14 years old. Expire statue of limitations on judgment. judgment date is XXXX XXXX, 2003. did not renew judgment on or before 10 years with the clerk of the court records office. misrepresenting the amount due. Filing an inaccurate amount due, not considering prior payments on judgment. Contacting my job calling my employer of my work status of a time-barred, zombie debt. Abusive debt collection after 14 years judgment is dormant, time-barred taking me back to the courts knowing the judgment statue of limitations has expired and harassing me getting my present employer involved in a lawsuit that is now dormant. informing third parties about my debt who is my present employer. failing to provide verification and continuing to attempt to collect debt when it is disputed by customer. Failing to disclose that judgment is to old to be legally enforced. Threatened to garnish my pay check knowing the statue of limitation has expired on the judgment,
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

XXXX XXXX XXXX and Collection Services of Athens have been falsely reporting to credit bureaus regarding account # XXXX. This account has been paid as agreed. If negative credit reporting is not stopped immediately, the appropriate legal action will be taken.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (PA)

This was {$50.00} PNC Bank card given to us as gift and when we finally plan to use during holiday season we found the balance left on the card was {$2.00}. Bank took away rest of the money in their account upon calling multiple times customer service just response that its service charge monthly, this is absurd when the card is valid till XXXX how can they charge fees and for what? As I received a gift card how would we know of such charges? Are we still staying 19 centuries where bank can about anything. Do not bank with PNC Bank!
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (DC)

I opened a US Bank Gold Checking account online on XX/XX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XX/XX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XX/XX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XX/XX/XXXX. On XX/XX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XX/XX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (NV)

On XX/XX/XXXX I contacted Lexington Law Firm with regards to needing assistance with removinginaccurate information from my credit report. I explained I had contacted my Car Loan company with no resolution. I was explained the program, and asked the representative explicitly wouldI be charged if no actions were taken. On the recorded call, he said " no ''. I then gave my card number and was immediately charged {$14.00} for a transunion credit report. I was then advised I would be charged a {$110.00} fee if action was taken. 

On XX/XX/XXXX I received direct coommunication from XXXX XXXX that they matter hadbeen successfully resolved in my favor. I logged onto my Lexington Law Firm portal on XX/XX/XXXX and sent a message requesting cancellation. I noted that there were no pending charges. I did not receive any communication from the company until XX/XX/XXXX by phone. On XXXX XXXX, I received a phone call from anassociate trying to " sell '' a lower package. I advised as outlined in my email communication, I wanted to cancel. I was then advised I was going to be charged the {$110.00}. She stated there were challenges sent out on XX/XX/XXXX and XX/XX/XXXX ( AFTER request for cancellation ). I advised there was only one account in dispute, and it had been corrected. I then asked to speak to a manager. The supervisor XXXX was equally rude, and would not provide an employee ID nor last name to distinguish himself. He stated I had " 5 days '' to cancel, to which I advised him the discussion on the recorded call which lead me to enter an agreement with the company. I asked him to have the original call pulled and to have a manager call me.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (LA)

On XX/XX/2021 I filed a complaint against Credit Collection Services for them violating my HIPPA rights on XX/XX/2021 I received a response that the account would be closed and there would be no further collection attempts on this account however they instead updated the account with XXXX and XXXX as paid after charge off. This is false information and needs to removed from my credit report before I take further action. I've attached the company 's response from the previous complaint for proof.