davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
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: BARCLAYS BANK DELAWARE (CA)

I applied for this card using the promotional flyer issued in flight that clearly states there is no annual fee in the 1st year. Also it comes with XXXX mile once a transaction is made within 30 days. I fulfilled both, yet I see {$99.00} annual fee assessed and no XXXX mile given to my account. I called 2 weeks before upon seeing this 2 weeks ago and I was told it will be taken care. Two weeks passed and I see the statement still showing the annual fee assessed and no XXXX miles issued to my plan. Hence I called today and spoke to the same customer service agent and she says there is change is in terms in XX/XX/2020 that voids both of these promotions. This is cheating the customer and is fraud. Upon raising this she said, there no promotional code applied which is a lie, I used the code that was had written in the flyer. The card was issued before the terms were changed hence it should not be applied. Even if you were to apply the change in terms after the card was issued when the promotion was in effect, the customer should be given the choice to walk away due to this cheating practice or due to the falsified promotion you offered. I asked that the account be closed, and no annual fee be assessed. You denied that request also and stated the annual fee will still be assessed. I will be raising this as complaint to the federal trades commissioner also shortly.
Consumer complaint received 2020-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IN)

Every month I set up to do payments manually and it still says I'm late on my payment. I set it up automatically and it never goes through. I have the payment confirmation emails to prove it. They literally are ruining my credit over this.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (GA)

This statement pertains to what has been deemed Fraud in the Factum by default. Vance & Huffman, LLC/XXXX XXXX XXXX XXXX Account Number : XXXX, Address ID # XXXX received an affidavit via certified mail # XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX in which Vance & Huffman has refused to rebut. I specifically requested a True Bill in Commerce for proof of an amount in which I allegedly owe.I have NEVER contracted services with Vance & Huffman specifically. I advised XXXX XXXX XXXX that extending of credit is not a loan as credit is not legal tender and thus nothing of value was ever exchanged. Vance & Huffman was also advised that unauthorized selling of any promissory note I may have signed under duress with the intent to profit from said asset without my knowledge is theft and Fraudulent Concealment. I also alluded to the fact that not all material facts were disclosed to me at the creation of the alleged original debt. As of the date of this filing, Vance & Huffman has not rebutted the initial affidavit and XXXX, XXXX and XXXX have also refused to acknowledge this Fraudulent account. I filed an identity theft report via the Federal Trade Commission FTC report Number : XXXX on XX/XX/XXXX and no response has been received.
Consumer complaint received 2020-02-29
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. (KS)

In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact XXXX, Transunion, and XXXX  to see what they can do but I have yet to get any answers about what can be done.
Consumer complaint received 2020-02-29
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AL)

I just bought my XXXX home in XX/XX/2021 at the referenced home address. I used Rocket Mortgage as my mortgage company along with XXXX for home owners insurance. After XXXX months I received a letter from Rocket Mortgage that they issued a new home owners policy because my current policy with XXXX has been cancelled. I called XXXX to see what happened and they said they dropped the ball in notifying me that they cancelled my policy after they received the appraisal documentation that a few shingles were lifted from my roof and they couldn't insure my home. Local XXXX representative told me that actually Rocket Mortgage knew before I signed for the house of the report but didn't notify me. I commence to call Rocket Mortgage for an explanation and was told that an underwriter dropped the ball on my mortgage and they didn't learn about this until XXXX  days later after I signed my mortgage papers. Now, I have been cancelled from XXXX and my current insurance company, XXXX has appraised my home for {$270000.00} because of the material to replace my home. Never did they mention that the roof was an issue or needed to be replaced! My neighbor whose home is built the same time with the same materials told me tonight that his insurance isn't valued like that!
Consumer complaint received 2020-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN XX/XX/XXXX {$4300.00} XXXX XXXX OPEN XX/XX/XXXX {$260.00} XXXX  XXXX OPEN XX/XX/XXXX {$660.00} XXXX  XXXX   OPENS XX/XX/XXXX {$1000.00} XXXX XXXX  SELF OPEN XX/XX/XXXX {$1000.00} XXXX  XXXX OPEN XX/XX/XXXX {$1300.00}
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (DC)

It appears XXXX put my account in collections. They used Southwest Credit Systems to make a collection. I never knew about or received any notification about the {$130.00} owed. I would have paid it once i knew about hte payment. I did pay it this month when i first found out about this payment directly to Southwest Credit Systems. However, this has negatively affected my credit report and i am looking to purchase a home in the next couple of months. I would like to request that XXXX and or Southwest Credit Systems to take this off my credit report for all 3 major credit reporting companies.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CAPITAL ONE is a result of identity theft there are multiple accounts attached totaling three ( 3 ) accounts. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX as well as XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( 10 XXXX  XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

On XXXX XX/XX/XXXX I noticed that an account listed on my consumer credit report by Equifax was too old to be listed on my report. The information for the closed account says it was closed in XXXX.The account was closed in XXXX. The account is still listed on my report, even though it is too old to be listed on my report. I want the account removed from my report. I contacted Equifax through their automated dispute resolution service on XXXX XX/XX/XXXX. They have acknowledged receipt of my dispute, and updated the account to disclose that the information is disputed, but that was 3 months ago, and they haven't done anything since. The account needs to be removed from my report.
Consumer complaint received 2020-12-30
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. (CA)

Back in XX/XX/2020 while making a payment online, somehow ( I did not request this ) my account was switched to estatements. I dont do estatements. This problem occurred with XXXX on more than one occasion. 

During XXXX of the same year I asked to no longer receive phone calls or text messages for my account. I work in XXXX as does my wife and we are stressed out enough. I did not, however opt out of communication in writing just like I did not opt out of receiving paper statements. I reversed this immediately when I discovered their notes were inaccurate and did not reflect my discussion. Its illogical, I mean, WHY would I not want some form of communication? 

When I was switched to estatements ( which went to an email address that I had not updated or use any longer due to the amount of spam ), I did not receive bills for XXXX, XXXX, XXXX or XXXX. I only discovered this when my other credit card company reduced my credit limit and I found out I had a negative credit report. I contacted XXXX and found out the problem in XXXX. 

I immediately contacted XXXX as they had cancelled one of my cards AND the other continued to be past due. Now I continued to work through the pandemic. I sent them a copy of my XXXX report that showed ALL of my obligations were current, up-to-date and none were ever part due. I was told on two separate occasions by a rep of XXXX that they would put in a request to have the original decision amended or reversed. 

I also pointed out that I would have asked for the forbearance they were offering They never did the follow up when they denied this despite the circumstances. Additionally, when I spoke to them at the beginning of XX/XX/XXXX that they indicated that I could appeal that decision by writing to the Office of The President. I found out when I called them. They did not send me ANYTHING in writing as requested. 

After having told me on three separate occasions that they could amend the info to XXXX I was told today by a different rep that they couldnt do it and it was up to XXXX. I was then told by an upper manager that they could indeed reverse it even though they had rejected the request twiceeven with ALL the documentation. I am hoping the third request will make a difference but I doubt it. 

Communication is awful within this company especially during a pandemic AND my wife and I being in XXXX  dealing with XXXX. I have had stellar credit for a decade. I have carefully built that up. I have paid bills even when I lost jobs or was furloughed ( not this year though as we continued to be employed ). I have come everything I can. From notes that dont accurately reflect our discussion, to no communication, this has been a nightmare on top of the pandemic. It has permanently damaged my credit ; it has permanently damaged me in addition to everything else.
Consumer complaint received 2020-02-29
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. (TX)

Equifax, XXXX and XXXX The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.
Consumer complaint received 2020-02-29
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)

I opened an dispute with PNC bank regarding charges from an account that was unauthorized and PNC reversed the fees claiming it was valid and it was not. I was charged on XX/XX/XXXX and the card ending in XXXX was a card that was suppose to be closed and PNC said the cancelled my card and no other charges will be taken from that card. on XX/XX/XXXX I noticed other charges was still coming out of this card including a charge of {$52.00}, {$250.00} from XXXX. PNC is allowing fraudulent companies to debit my account, I want my {$210.00} reversed and put back into my account.
Consumer complaint received 2021-11-30
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. (FL)

I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.
Consumer complaint received 2021-11-30
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Since XXXX I have been disputing an account on my XXXX credit report that is not mine every other credit reporting agency removed it XXXX won't. 

FAIR COLLECTIONS & OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2017-08-17
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: Experian Information Solutions Inc. (NC)

I got a letter from XXXX XXXX for a credit denial on a vehicle I never even looked at or applied for, at a dealer that is over an hour away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Standard XXXX XX/XX/XXXX XX/XX/XXXX/XXXX XXXX I never applied for this ever I do not recognize this and now I have a hard hit on my credit score and it has dropped by 30 points Also they misspelled my name so I am not sure they have my SS # with someone else and their information - because I have good credit no matter what it shows
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to  fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

XXXX has reported on multiple Credit reports that I have an account Opened XX/XX/XXXX of {$500.00} I have not had XXXX in over 6 years! I have attempeted to contact them by mail with no responce. I have filed disputes with the CRA and have had this removed before as the Date they have posted now is different then the dates they had on it before it was removed and now they are adding it back and claiming I owe them money. They have also reported a charge of {$280.00} Claiming to be Opened XX/XX/XXXX. Which is not possible as I was not in the state at that time! I was in Ohio working for a XXXX XXXX! I have tried to solve this matter with them and they still ignore me. This is the last straw for this! If this is not removed from all agencies i will have no choice but to file a Lawsuit against Both SWC and XXXX for The damages it is causing.