davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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: Resurgent Capital Services L.P. (TX)

About XX/XX/2023 I recieved a letter from LVNV Funding LLC who does not own the debt and they treaten to sue me if I dont pay off the debt owed from the bank. I responded asking them to send me proof that I owe the debt from them and gave them the proper 60 buisness days to send it. I never recieved proof and instead ( around early XXXXXX/XX/2023 ) I was issued serving papers. Well my lawyers did not inform me my representative left me and so when they rendered a default judgement on XX/XX/2023 the one representing my case bungled it and then LVNV refused to take our calls. Finally they did on XX/XX/2023 and said the interest was growing and they were not interested in a deal.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I opened a business checking account in person at citizens bank in XX/XX/2023 I advised the branch manager that I would be receiving a large deposit from XXXX XXXX. On XX/XX/2023 I deposited a check for {$15000.00}. They released {$200.00} of it and put the rest on a 10 day hold. On the XXXX day they extended the hold till XX/XX/2023. On XX/XX/XXXX they extended the hold till XX/XX/2023. The check is drawn from XXXX bank. XXXX XXXX has sent me the voided check showing that that the check has cleared the account and citizens has been paid the money. I have sent numerous emails to numerous people at citizens, called numerous times, went into the branch numerous times trying to get someone to help me and no one seems to be able to help me receive my funds. I have the voided check showing it was a valid good check and I have emails from the director of XXXX XXXX validating that I was supposed to receive the money. I have been more than accommodating getting citizens the information to prove that Im to receive these funds and they are still holding my money and have single handed ran my small business into the ground
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$70000.00} DEPTEDNELNET XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-05-27
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: WELLS FARGO & COMPANY (FL)

XXXX deleted the error with wellsfargo but XXXX and XXXX still has it on the report. Been fighting this from early as XX/XX/XXXX and latest XX/XX/XXXX. Would like for this inaccuracies to be deleted from XXXX and XXXX. 

Also with XXXX XXXX XXXX. The motorcycle accident was paid out fully by XXXX. Don't knw why this on my consumer report and account been closed from XXXX.
Consumer complaint received 2023-05-27
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: Resurgent Capital Services L.P. (NC)

LVNV collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NC)

I rented a dress from XXXX XXXX XXXX. I returned the dress via USPS instead of XXXX. There were no instructions included and it was very unclear. By the time I retrieved the dress back and got it to the XXXX, XXXX XXXX XXXX charged my credit card for the full amount of the dress itself. XXXX XXXX XXXX received the dress back but has never credited my credit card. I put a formal dispute in with my credit card company and am still waiting on their results of investigation. I have called them numerous times and emailed, with no avail. I placed the rental order on XX/XX/2022. I rented the dress XX/XX/XXXX. They received the dress back and it is in their possession. The credit card that it was billed on is XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. I was billed by XXXX for {$1200.00} on XX/XX/2022 and a late fee on top of this for {$53.00} on XX/XX/2022. I blame my credit card for not dealing with this issue.
Consumer complaint received 2023-05-23
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. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (FL)

XX/XX/XXXX - Opened an account with US Bank in response to an online promotion for {$500.00} on bonus cash if you opened a new checking account and completed {$6000.00} in direct deposits within 90 days. The representative confirmed - twice - that this promotion was applied to this account. 
XX/XX/XXXX - The third direct deposit was made, which now totalled to over {$7500.00} in direct deposits into the account, meeting the requirement. 
On or around XX/XX/XXXX - I contacted US bank to request information on the {$500.00} bonus, as it had been over a month. They confirmed the promotion was on my account, but stated it would be a month from the end of the promotional period, and thus would come in around XX/XX/XXXX. 
XX/XX/XXXX - It did not come in, and I contacted US bank to get information about the {$500.00}. An appeal was filed. 
XX/XX/XXXX - I received a callback, and we shared some additional information, and put in the appeal again. This I have received no callback on. 
XX/XX/XXXX - I contacted US Bank, and spoke with a woman named XXXX ( sp? ) who apparently didn't think I existed. I told her I needed the status on the appeal with a date of deposit or I would like to cancel my accounts. Despite giving all the information requested, she could not verify my account, gave some platitudes and notions regarding the promotion. When I then asked to cancel, she pleaded connection issues that she could not hear me. I wound up hanging up. 
XX/XX/XXXX - I called in and spoke with a woman named XXXX. I told her I wanted to either get the status on the appeal or close all accounts. She stated the appeal still appeared open, but would have to transfer me to XXXX  banking for more information. She gave me a phone number ( XXXX ) in the event the transfer failed. The transfer did, in fact, fail - she hung up on me. When I called the number, it was mobile app and online technical support, not XXXX  banking. 
XX/XX/XXXX - I found, via online search, the XXXX  banking number ( XXXX ), and contacted that number. I again spoke with a banking representative and told her the same thing - either I need the date the money will be deposited, or I would like to close all accounts. She said she would research it and put me on hold for an extended period of time and then hung up on me. 

There appears to be a pattern that if you intend to close an account, they will use any attempt to get you off the phone to prevent you from doing so. This is after - via negligence or malice- repeatedly failing to honor their promotion.
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ARCHILDSUPPT XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC (KY)

After submitting an online application, we received a Pre-Approval letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). When we requested the Loan Estimate, XXXX refused ( on four separate occasions ) to provide it without the Contract - violating TILA-RESPA Integrated Disclosure Rules ( TRID or TRID Rule ). Specifically, XXXX messaged us the following : On XX/XX/23 at XXXXXXXX XXXX, " I do require the contract first - there are many details in there that impact what numbers would be on the Loan Estimate. '' On XX/XX/23 at XXXX XXXX, " I'm willing to provide the Loan Estimate once I have the contract as mentioned before. '' On XX/XX/23 at XXXXXXXX XXXX " I don't have the necessary information to provide a Loan Estimate without the contract. There are several data pieces required by a lender to provide the Loan Estimate and I don't have all of them. '' What XXXX didn't realize is that we were fully aware that only 6 pieces of information are required for a Loan Estimate. We had already received 3 Loan Estimates from other lenders. He was the only one who did not operate in Good Faith and attempted to procure the contract through deception. 

XXXX XXXX 's interim director did not have an explanation for the behavior. He advised the missing piece of information was the property address. I provided the address and received the Loan Estimate. A new loan originator was assigned.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (TX)

I had my credit run by Barclays in early XXXX to do with a personal loan offer attached to my credit card. I completed all documentation and submitted the application of which was accepted. When it came time to accept it my end the online portal did not work and the overseas call center said they would address it and someone would contact me, they told me that I need not be concerned and the offer would remain valid. 1 month later after contacting Barclays numerous times no one knew what to do, finally I get an online acknowledgement of which I accepted in XXXX and the loan was validated, accept they ran my credit again without me granting permission and now I have 2 inquiries back to back of which I want 1 removed. Barclays refuses to address this when I call and I cant reach anyone who wants to do anything about it.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXX COLLECTION XXXX COLLECTION XXXX
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX, the following dates amounts and locations were reported as fraudulent purchases by me to Synchrony Bank for my Lowe 's credit card : 1. XX/XX/XXXX - {$190.00} - XXXX XXXXXXXX XXXXXXXX FL 2. XX/XX/XXXX - {$120.00} - XXXX XXXX XXXX FL 3. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 4. XX/XX/XXXX - {$960.00} - Store XXXX XXXX FL 5. XX/XX/XXXX - {$3900.00} - XXXX XXXX 6. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 7. XX/XX/XXXX - {$2400.00} - Store XXXX XXXX XXXX FL 8. XX/XX/XXXX - {$480.00} - Store XXXX XXXX FL 9. XX/XX/XXXX - {$210.00} - Store XXXX XXXX FL 10. XX/XX/XXXX - {$560.00} - Store XXXX XXXX FL 11. XX/XX/XXXX - {$340.00} - Store XXXX XXXX FL 12. XX/XX/XXXX - {$660.00} - Store XXXX XXXX FL 13. XX/XX/XXXX - {$400.00} - Store XXXX XXXX XXXX FL 14. XX/XX/XXXX - {$510.00} - Store XXXX XXXX FL Synchrony Bank acknowledged the fraud on XX/XX/XXXX and sent a letter stating that they approved the fraud claim on my Lowe 's Advantage Card account based on the information they had so far. I cancelled my card and had a new one issued. Whoever was able to use my account attempted to change the address and I canceled the card again and had a new one issued, froze the account, and had my granddaughter help me setup online access to better monitor the account. 

When the bill came for XXXX, there was one transaction that was not removed from the account for {$960.00}. This charge is the same as line item 4 from above but on my XX/XX/XXXX statement, Synchrony states that my balance as of XX/XX/XXXX was {$0.00}, but then claims a purchase was made on XX/XX/XXXX for {$960.00}. I have never made any purchases using this account. 

I sent another fraud claim to Synchrony and explained that this charge was part of the 14 charges they'd already investigated. Synchrony acknowledged my claim but continues to send me notices via mail and email, and call my home to ask for payment. They have reported late payment to the credit bureaus and added fees to my account for nonpayment. I can not get an answer as to why this one charge remained on the account while the 13 others were removed. 

I am XXXX years old and I live in Maryland. I remained in my home state, Maryland, and did not travel to Florida for the XXXX holiday. I do not have any relatives in Florida and I don't know how my account information was obtained to make all those purchases. I really need some assistance with this matter because Synchrony is not resolving the issue.
Consumer complaint received 2023-06-05
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-14
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: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I was contacted this morning by an unknown firm that refused to identify itself and did not verify my identity before relaying private information. I was initially contacted by a number from a XXXX, CA number at XXXX. They told me that " police officers '' would be " arriving today to serve papers '' on me. I asked them what this was about and they told me to call XXXX with case # XXXX. I called that number and asked what was going on. The XXXX man who answered was belligerent and bullying when I asked him what this was about. Before I had even identified myself, he alleged that I " owed '' some unnamed phantom debt to XXXX that I had allegedly " used '' for " 5 '' years. He tried to imply that I wouldn't be able to get legal representation to assist in this matter. I tried several times to tell him that I had been a victim of identity theft but he aggressively overrode me and tried to continue threatening me. Fed up with not being able to get a word in XXXX, I informed him that his tactics were illegal and hung up.
Consumer complaint received 2024-09-30
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Subject : Request for Review and Removal of Missed Payments Dear Capital One, I hope this message finds you well. I am writing to formally dispute the missed payments reported on my credit account [ Account ending : XXXX ] Date reporting : 2020 XXXX, XXXX, & XXXX. 
I believe these missed payments do not accurately reflect my payment history for the following reasons : Payment History : I have consistently made timely payments prior to these incidents, demonstrating my commitment to maintaining a positive credit history. 
Circumstances : Back in these horrific times for me I was experiencing having to sell my home during XXXX and rely on family for months until I was able to relocate and establish a new home and to get caught up in circumstances that led to the missed payments, such as illness, job loss, and a place to live. 
Resolution Efforts : Since the missed payments, I have taken steps to ensure this will not happen again, Ive set up payments arrangements. I completed my auto payments. Staying as current and on time. 
Given my overall history and the context of these missed payments, I kindly request that you review my account and consider removing these entries from my credit report : 2020 XXXX, XXXX, XXXX. 
Thank you for your attention to this matter. I appreciate your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX CT XXXX, NC XXXX
Consumer complaint received 2023-04-14
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)

There are several mortgage inquiries on my credit report with XXXX, XXXX, and Experian that I did NOT authorized. I never applied for a mortgage. 

I pulled a copy of my credit report and contacted the companies that made the inquiry and they had no record of me. And I was advised to file a FTC report. 

Please investigate the following inquires for removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Thanks, XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Today, I received a card to recommend for the permanent removal from pre-approved credit offer mailing lists from Experian addressed XXXX. XXXX, XXXX, TX XXXX. Since I consider email communication is included for removal, I have assumed not to receive it from anybody. However, at XXXX of today, I received an email from Experian ( XXXX ) an offer of credit card, Experian XXXX XXXX Digital Checking, which looked like to be done by cellphone ; even though I believe it must have been impossible with my old cellphone.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me. 

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have only lived at XXXX address in fl. To my understanding there is another XXXX XXXX in my area