davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (UT)

There is a Home Depot credit card reporting on my credit report. I have never applied for this credit card, and I have never signed anything or authorized this account to be opened. As soon as I found out that this account was reporting on my credit, I immediately contact this business and had it closed.
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (TX)

I 've contacted  Senex Services and asked them to validate this account by providing a contract between myself and Senex Services, and if they 're unable to provide a signed contract to immediately delete this account from all of my credit profiles. I never received a contract as requested. Instead of a signed contract I received a bill with my HIPPA information from Senex Services, I have never signed anything to release my medical information to the company so therefore they should NOT have any of my HIPPA information. I asked that this account be removed from all of my credit profiles because I 've never had an account nor have I sign any contracts with Senex Services. Senex Services bo ught this account from  XXXX   XXXX   XXXX   XXXX  ( a medical account ) which is located in  XXXX , Texas, and along with buying this account they also received all of my personal medical records which is a HIPPA Violation. I want them to immediately destroy all of my personal HIPPA information and to delete this debt that has not and can not be verified via a signed contract from all of my credit profiles in a timely manner.
Consumer complaint received 2024-06-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I received a Vanilla Gift Card physically. On the provided website VanillaGift.XXXX  I clicked the link to validate and print the card, which loadXXXX XXXX XXXX XXXXvanillagift.XXXX  and shows a balance. I attempt to use this on XXXX ( using XXXX less than the full value of the card [ {$99.00} ] ). And the transaction is declined. The transaction failed completely, and no holding charge was made to my account. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forest Recovery Services LLC (TX)

On XX/XX/XXXX, I wrote to XXXX XXXX XXXX XXXX, and explained in detail why their invoice needed to be significantly adjusted. They did not respond. 
When their parent hospital called, they said they had not received the letter, so on XX/XX/XXXX, I wrote them a letter, and attached the original letter I had sent. 
They did not respond. In XXXX of XXXX, I receive a bill from a collection agency. I sent them a copy of all the correspondence. They did not respond. And now, as of XX/XX/XXXX, the collection agency has reported this as an unpaid debt to at least one of the credit bureaus. 

I have done everything in my power to get this resolved in a fair way. Now I must escalate this matter in order to safeguard my credit report. As stated in the original correspondence, I will pay the amount that should have been charged, as soon as I receive a corrected invoice. Or the amount can be adjusted to XXXX Either way, my credit report must be corrected immediately, with all credit bureaus.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I called in to inquire. I paid up my credit card in full however was charged a balance due of {$82.00}. I also can not find my credit card and asked to have another card sent and XXXX hung up on me on XX/XX/XXXX at XXXX XXXX. She said she has 30 seconds to assist me and then hung up. I felt like her shift was ending and she didn't want to assist me and just hung up. It was very unprofessional.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (WA)

This is a follow up to complaint XXXX, which I submitted on XX/XX/2024. Following the resolution of the issue pertaining to missed tax payments to XXXX XXXX, in XXXX, which included Roundpoint Mortgage making payments to the county on delinquent charges, my escrow balance was revised to a negative amount, which Today, XX/XX/2024, is showing as - {$9800.00}. Then, my monthly escrow payments, which were around ~ {$680.00}, were revised up to {$1900.00} in XXXX, and my overall monthly payment was revised up from {$3100.00} in XXXX to {$4300.00} in XXXX. As my account is set-up for auto payments, this XXXX statement was automatically paid on XX/XX/2024 for this revised amount, and the upcoming payment for the XXXX is also showing up with this amount. 

My escrow account has been properly debited for due tax in the last 3 years. I should not be responsible for any lates/delinquent charges or fees, since it wasn't my fault that the tax payments were not made on time to the county in the proper account. My understanding is that this is the cause for my escrow balance to be negative ( which is different from the documents posted by Roundpoint Mortgage in my original CFBP complaint ), which caused my monthly payment to be revised up by more than {$1200.00}.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have sent disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. I specifically listed the accounts and informed them of the violations they are committing against my consumer report. It has been over 60 days since my initial dispute letters were sent, and none of the credit bureaus have provided a response. Copies of all correspondence sent are attached for your reference. 

These companies have violated FCRA 623 ( a ) ( b ) by failing to mark the disputed accounts as such.

Additionally, FCRA 605 ( c ) has been violated as the reporting period has continued despite the last activity on these accounts being incorrectly reported. This should reflect the actual date of the last payment made. 

Moreover, this company has repeatedly failed to validate the collection account, thereby violating FDCPA 809 ( b ) according to FTC guidelines. 

I request that these inaccuracies be promptly corrected, as they are adversely affecting my credit standing and rights under federal law.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-08-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (AZ)

This is follow-up to complaint XXXX and XXXX which were not handled appropriately. Complaint closed based on Wakefield response although they still have not provided documentation that that this is a valid charge. XXXX XXXX XXXX XXXX  has 22 recent complaints that Wakefield has tried to collect invalid charges or old charges have been reported to credit bureaus. Why is this scam company automatically believed instead of the consumer? The XXXX XXXXomplaints have all been unanswered and then XXXX  now can not even locate this scam business. ( See screen shots of some of the XXXX complaints similar to mine ) Why does the credit bureaus believe the vague denials of unethical behavior from the businesses and take their word over the consumer?
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

I rented an apartment at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I ended my lease early in mutual agreement with my landlord and paid a {$4000.00} fee to do so. I communicated with my landlord to coordinate my move out date. They attempted to demand that I return to the apartment to continue cleaning, despite my having left it in reasonable and clean condition. I told them I had already surrendered the apartment. They threatened to charge me for wear and tear. I never received a statement of alleged damages in violation of Connecticut state law, CGA Sec. XXXX. Now, the management company has submitted a roughly {$890.00} charge charge to a debt collector to collect on an illegal debt, in addition to wrongfully withholding my security deposit.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has been sending email messages in relation to a XXXX XXXX Rewards program since XX/XX/XXXX. None have been clicked on or interacted with, these were only forwarded to XXXX, eventually resulting in an automated message with instructions to contact the bank. The XXXX branch visited on XX/XX/XXXX is the XXXX located in XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. The XXXX that day did not see any accounts under my name or social security ; She said it might have been a phishing email and not to reply to it ( which I never did ). I kept getting emails related to a credit card account that was on its way. 

The unsolicited XXXX XXXX XXXX Credit Card from the emails arrived physically via mail on XX/XX/XXXX. I went to the same XXXX branch again, with the card in hand. The door clerk was referring me to XXXX XXXX as the steward and emitter of the credit card. After several questions to the clerks, the XXXX, who was able to look into her computer and confirmed the account existed with XXXX, and that it was already flagged as fraud. The XXXX put me on the phone with someone from the XXXX credit card services who informed me that the account would be closed, and that all information needed to confirm the closure would arrive via mail. 

A confirmation of the accounts closure arrived in the mail, but only the typical one a common customer would get. There was no information from their fraud department or procedures for someone without proper access, like me. On the XXXX they included this account on my credit report as closed, which resulted in getting credit score deprecated XXXX points. Since this account was closed for being fraudulent, I believe the reduction of my credit score is unjust. 

To this day it says there was a promotional inquiry made to my credit by XXXX on XX/XX/XXXX, and I still cant believe they were able to open an unsolicited credit card with just that. An Identity theft report was made with the Federal Trade Commission on XX/XX/XXXX. I was never given any information or help from their XXXX XXXX, and I even received another letter informing me that a duplicate application was submitted to them. I would like this XXXX  account to remain closed, deleted, be taken off my credit report and for my score to be renewed as it was before their inquiry ; I was never a willing customer of theirs.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I applied for a XXXX credit card cobranded by XXXX. On XX/XX/year>, they sent a letter to me denying the application. I called them and they could not tell me why denied and said to contact Experian. The phone numbers for Experian did not allow a selection to resolve the fact that my credit score is incorrect, XXXX points lower than XXXX and XXXX. I have sent letters to Experian and XXXX and copied XXXX because there is no way to speak to a human at Experian. And unable to get through to XXXX corporate offices. XXXX at XXXX XXXX XXXX refused to provide me answers about credit score policy or credit score requirements. She would not give me her last name, ID or allow me to speak to a supervisor. 

I have previously complained to Experian about their reporting credit score of XXXX when XXXX and Experian scores are XXXX XXXX. Their responses did not explain the discrepancies. ( See CFPB complaints XXXX and XXXX ) The lack of transparency by XXXX and Experian is unacceptable. The CFPB should require them to provide the specific reasons for denial of credit applications and why denied by using ONLY the incorrect, low score provided by Experian. 

See attached documents with details and proof of credit scores.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I opened a new Citibank account and transferred {$50000.00} to Citi, intending to take advantage of a {$700.00} welcome bonus offer for doing so. Citibank did not honor the {$700.00} bonus, closed the account without explanation on or about the date the bonus was due to be paid out, and Citi held the {$50000.00} deposit without recourse or access by me for a total of 4 months. Under California Civil Code 3294, Citis actions constitute fraud and malice. Citi argued my previous CFPB claim was invalid as my husband undertook this on my behalf, and sent me a letter via email with a number of factual errors claiming Citi did not find evidence of unfair or discriminatory actions, which is blatantly false as the evidence I have provided clearly proves. In my response to this email on about XX/XX/year>, Citi did not further respond. This is my final effort to avoid a court case. 

Under California Civil Code 3294, Citis actions constitute fraud and malice : Fraud means an intentional misrepresentation, deceit, or concealment of a material fact known to the defendant with the intention on the part of the defendant of thereby depriving a person of property or legal rights or otherwise causing injury. 
o Whereas Citi never provided an explanation of why they canceled the account, held the deposit for four months, refused to provide proper service during the account closure, and denied the welcome bonus despite meeting the requirements of Citis own written terms, I maintain that Citi committed fraud. 
XXXX  means conduct which is intended by the defendant to cause injury to the plaintiff or despicable conduct which is carried on by the defendant with a willful and conscious disregard of the rights or safety of others. 
o Whereas Citi demonstrated wanton disregard to return the very large cash deposit to me, under the pretense of some internal investigation, the details of which were never provided, and whereas Citis unilateral decision to deprive me of my cash for four months without recourse, demonstrates a willful and conscious disregard to my property rights and my financial security, I therefore maintain that Citis actions constitute malice.

However, I send this final demand letter in hopes to remedy this situation outside of the court system.
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (CA)

As of XX/XX/year>, No status has been given by XXXX ( see below reference ) XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies reporting Improper use of your report by the XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> Status : Open-Company response is in progress as of XX/XX/year> This CRA is in dire violation of the FCRA and the FTC and no one at the CFPB XXXX XXXX XXXX  XXXX so I will move forward with filing a Federal lawsuit against the CRAs and the CFPB for lack of enforcement.
Consumer complaint received 2024-05-02
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (VA)

I received an Incomm bank visa card on XX/XX/year>. {$100.00} is on the card it was XXXX of those new electronic cards sent to my email for a legitimate payment. I activate it and followed all instructions and tried to add to my XXXX wallet to use for in store purchase it didnt go through so I tried a second time. I then went to their website. XXXX and it said to call a XXXX # so they explained it was flagged for potential fraud activity but it was I using the card and I just got it. They explained the card was locked but did indeed have the {$100.00} balance still XXXX They gave me a reference #. Also saying it would be 30 days because their fraud department had to investigate and then they would email me the new XXXX card which takes XXXX seconds. So I called a second time after no emails updating me on the status on XX/XX/year> they the explained it would take 15 days and just for me to wait. This is unacceptable so I XXXX reviews and see many BBB reviews where this company has done this to many people just the run around. Until someone gets involved the they all got replacement physical cards in the mail. I was advise they will send the card and stop holding people 's money when the cfpm or better business gets involved. It just seems shady it don't take 30 days to keep a card locked and send a new one especially after they verified all my credentials. Times are hard enough now with the CEO only and prices please help. I was told you guys fix it immediately. When I called the XXXX time it was XX/XX/year>. 7 days later and they haven't done nothing it seems like a very common thing they do to people.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Advantage LNS Inc. (OK)

National Credit Audit Co is listed on my XXXX report but is inaccurate. Have tried several times to dispute this and have received nothing in return. 

XXXX XXXX XXXX XXXX is listed on my XXXX report. Both I have tried reaching out to and no luck. 

Both parties claim to own the same debt on different reports and still have received nothing to contact them nor get proof with documentation mailed to me.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX XXXX  Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account NumberXXXX Account name : XXXX XXXX XXXX Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-08-03
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Synchrony back charged a total interest of {$1300.00} over the past two months.After tirelessly following up, they refunded {$980.00} and {$190.00} on two separate instances..But still a {$190.00} of interest is remaining for the full amount to be refunded, which I called customer care and got a response system not allowing. I'm logging this additional complaint to urge them to get that amount also refunded without fail..When i paid off the amount, that resulted in overpaying the outstanding balance..Included the statement showing the payment of {$3300.00} last month for a payoff. 

Please note that through out the last year i was making regulat payments via autopay and suddently this high interests got changed in the month of may.As soon as i noticed this, paid off the full principal amount, with the interests remained in my account. Need assistance in getting this to correct this error and have them settle this reminder balance also.