davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have revoked consent to share my nonpublic financial information with these companies, however they are still sharing it, thus violating my rights. This concludes to identity theft and violates 18 U.S. Code 1028A. I demand that these accounts are promptly deleted and pursuant to 17 CFR 248.7 I am opting out of the reporting of the following accounts on my consumer reports ; XXXX [ Account # XXXX ] and XXXX XXXX [ Account # XXXX ].
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I recently looked at my credit report to realize this company has my account in negative. I never was given a physical card or statement when first applying for this card. I began to receive statements end of last year early this month. When attempting to pay it continued to say my information did not match on the site. I called a few weeks ago and they had the incorrect information so they fixed it and I was able to begin payments. Now they are reporting a negative account to my credit report due to an error they made.
Consumer complaint received 2024-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

Navient payment plan was set up, but they have not held up on their end. I and my parents get a phone call everyday every hour of everyday for more money and say I have to pay more than I can afford so they will not stop calling collections calls. I am XXXX and have a set income they also took monthly payments from me during covid shutdown and even though I told them what I can afford they will not stop harassing phone calls and verbal threats and they have ruined my credit and it is being paid as what I had verbally set up. Please have them stop the harassing phone calls from ( XXXX ) XXXX. Navient
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX & XX/XX/2024 applied for credit with AMEX XXXX XXXX XXXX XXXX business card I was denied credit due my credit score.. then they said my credit report was frozen, so I was denied by AMEX, I have called AMEX and XXXX and quoted the USC codes they only did a investigation, still waiting for cards to arrive.
Consumer complaint received 2024-05-10
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law offices of Steven Cohen LLC (NY)

I had a XXXX card about 18 years + ago. I remember paying them around {$700.00} to an agency that keep calling me about 14+ years ago. After that i never received any calls or mail. I had assumed it was settle. In XXXX I went to live in XXXX. On XXXX, XXXX I moved back to the States to a new address in XXXX XXXX a bit far away from my preview address from XXXX. A few months ago my current job contacted me. Stating that my wages will be garnished. They provided me with the information of the company that was doing it so. The company name is Steve Cohen, LLC a debt collector. I had call them and ask them they reason behind and why I was never informed or received any mail regarding this. They told me they had send some correspondence to the address they had on file. And that is should call the judge that authorized and talk to him. There was nothing they can do. 
I had call the court were my case had take place but i was told to go see the judge and see what can be done. I have not had a chance to go there as my job is Monday to Friedan. I will try to go there in the coming days. As of the moment they are taking {$400.00} as month of my check from a credit card that i had about 18 years ago. The credit card was for about {$750.00} at the time and this company is asking to pay them {$8000.00} claiming interest. 

Any advice on what I should do. 

I feel that i was never given a chance to explain my side.
Consumer complaint received 2024-05-10
Product: Credit reporting 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. (FL)

I do not. Recognize these credit inquiries and i ask to the credit report. Several complaints to be removed and the bureaus did not what i ask im providing a identity theft attach to this and im requesting them to be removed because they are inaccurate and not mine
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Original loan ( which banks can not loan ) States they were paid Cash, I did not produce any cash but a check at closing. They say I received money, WHERE? Then in research I have tried to get XXXX XXXX and Select Portfolio Servicing who bought it supposedly in XXXX, has advised they bought the " Promissory Note '' and now its in a trust. I have not found any Leins, I have been forced to file a 1099 A to XXXX XXXX and a 1099C to SPS. Since all Payment Coupons are being Kept, not returned and a notice sent that states they do not accept these payments. No action has been done. When I call any customer service I get transferred all around. I have even attempted to contact these Corporations. Yet again I get barely any info and Nothing specific of what I have requested. Now XXXX has been reporting on my credit Until XXXX when I filed a complaint thru XXXX, they have now closed it on XXXX.
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

On XX/XX/2024 I contacted Ability Recovery Services and XXXX XXXX XXXX XXXX. 
I requested that this account be deleted or updated to correct the information. I have not received no response from neither of the two.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXXXXXX  and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NPAS, Inc. (FL)

on XX/XX/XXXX I was taken to the XXXX  at XXXXXXXX XXXX XXXXXXXX XXXX by my partner because I was having an XXXX  attack, where I couldn't breath or couldn't stop crying. When I got to the the XXXX they checked by vitals and I waited about 30 minutes to be seen by a nurse. I explained the symptoms and nurse stated I was having an XXXX  attack. She told me how I was feeling and I said I was feeling better just scared cause I didnt know why I was feeling this way. when they explain what it was I put it together, " my XXXX year old was diagnosed with XXXX. and has XXXX and XXXX. Her medication has gone from {$52.00} a month too {$230.00} a month. I have medical insurance thru work " XXXX '' I figured this is the hospital that my insurance company stated I can go to in case of an emergency so I told my partner ok take me. I haven't visited an XXXX in over 14 years and my understanding was my insurance should cover some of the charge. But when I received a bill in the mail late XXXX. My XXXX returned when I saw what the bill stated I owed for 30 minutes at the XXXX where they only checked my vidals and prescriped medication which my pharmacy insurance covered most of the charge. {$1600.00} later. How can I pay this when I live pay check to pay check. I only really use my medical insurance for my XXXX year old because I know how much is her medication and treatments. I keep getting daily calls from NPAS Solutions and also bills in the mail. I tried calling the XXXX see if they would work with me but the person that I spoke too was rude and didnt help me. Her words were if you use the XXXX service you have to pay for the XXXX  service. I dont believe this charge is correct. Not like they did any test that required equipment. This bill has me stressed out with all the medical bills I have for my XXXX year old. how can you assist me.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation (WA)

on XXXX XX/XX/year>, I applied for a loan through Three Sticks Lendings website. During the process, there is no mention of terms. When applying I had to submit my information for a credit pull. They pulled my credit and I was approved for {$1200.00}. 

After looking all over their site, I finally found the loan terms and they were at a abnormal amount of interest which I consider predatory. They wanted me to pay {$340.00} every 2 weeks for the next 11 months to pay back {$1200.00}. Which is almost triple of the borrowed amount. This should be illegal!!! I have runied my credit with an inquiry. If I had known their terms, I would not have even applied.
Consumer complaint received 2024-05-10
Product: Credit reporting 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. (MA)

My TransUnion account was tampered with by someone, and there are unauthroized credit inquiries on my credit report from XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX and TransUnion is saying that my FTC report to them was not valid, when it was from my Identity Theft.gov account that I made, and I do not have any credit accounts with this banks, nor did I remove security freezes on XX/XX/XXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX I need TransUnion to removed unauthorized and unverified inquiries off my credit report, and block the information under the FCRA Act, or I play to seek litigation against TransUnion. TransUnion blocked online access to my account since XXXX so I could not go online to check my report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has reported that Account ending in XXXX has a 30-day late payment in which they agreed to correct XX/XX/2024. This information was updated with all 3 credit bureaus, only for XXXX to continue to report false information on my TransUnion credit report. On XX/XX/XXXX XXXX reported this false information and again on XX/XX/2024, they have reported this false information after initially fixing the issue. XXXX needs to update their system and stop reporting this false information. This account was never late as stated in attached document!
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I sent a certified letter with documentation forms to LVNV Funding LLC on XX/XX/XXXX LVNV funding company signed the certified letter that they received it but didnt follow guidelines thats was on the documents that was send to them. They didnt filled out the documentation and send it back to me. Instead they just send a collection letter with attach this isnt proof debt on my behalf The documentation that I send to LVNV Funding needs to be filled out within 30 days and send back to me they fail to do that. So I will need this balance of {$1400.00} remove off all 3 credit reports And also this balance is incorrect as well that XXXX XXXX is trying to collect i called XXXX XXXX and this closed this account in XX/XX/XXXX they still falsely was reporting to XXXX the statements that was send from XXXX XXXX XXXX  XXXX are incorrect dates and balance I will attach my letter that was send to LVNV funding and other attach for proof. And Pennsylvania 's statute Law of limitations on debt is four years for unsecured loans, oral contracts, open-end accounts, revolving credit, promissory notes, and written contracts such as credit cards, medical bills, personal loans, etc
Consumer complaint received 2024-05-10
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (WA)

I have entered into contact with PHFA post the payoff of the mortgage amount. I realized that I was missing 1098 forms, and subsequently, once seeing the forms that were provided, I am missing all access to prior statements. The statements are needed so that I can review the transactions and payments toward escrow ( PMI and hazard insurance ), year over year. I made clear that I am in need of this information, in whatever format that could be provided would be appreciated. We went back and forth multiple times, where the customer service representative was resistant and against providing the requested documentation. These interactions occurred by email through PHFA 's secure portal, between XX/XX/XXXX and XX/XX/XXXX. I am still in need of this documentation from XXXX through XXXX. The documents are required for my proper accounting of taxes regarding the payments, to ensure that the documentation is correct for the sale of the home this year. No action has been taken by PHFA to rectify or attempt to understand the request to date.
Consumer complaint received 2024-01-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I canceled my cell service with XXXX on XX/XX/year>. The continued to invoice me $ XXXX month .. in spite of numerous attempts to stop ... for more than two years I would call the XXXX number and they would tell me..'You have to go into the store to cancel " Then I go into the store and they would say 'You have to call the XXXX number ' It just went round and round... they overcharged me at last {$2500.00}. And no one knew how to make it go away Now to make matters worse ... they sent {$180.00} that wasn't paid on my credit card ... because I don't use their service.. to a collection agency. The collection agency sent me one email that I am aware of ... and didn't I even see.. and filed collection and now they have ruined my 30 year credit score. It dropped XXXX points XXXX shouldn't be allowed to do this to people. It's predatory. 
The collect agency... Amsher Collection Services should make of an attempt to contact the debtors before sending to collection.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX I paid the full balance of my credit card {$170.00}. Therefore, I should not had anymore bills and just forgot about the credit card because I should not have any balances. 
XX/XX/XXXX while cleaning my emails I see an email from Comenity stating I had a past due. 
I called XXXX and they told that the payment was received after XXXX, and that is why I was charged a late fee and interest charge. The CSR spoke to her supervisor and said they will clear up the balance. To check back in 48 hours. But that never happened. 
XX/XX/XXXX I submitted a dispute. And I was advised that it would take 90 days to resolve the dispute, and I would be advised of the resolution in a mailed letter. To this date XX/XX/XXXX I have not received anything. 
I have called and send messages to Comenity trying to resolve the dispute and all I get is I will hear from them in 30 days. 

As of today, they have reduced my credit limit from {$5400.00} to {$750.00}. They have reported to the credit bureaus my account as past due and late for 5 months and affected my credit score. Even though I was advised when I asked about submitting a dispute that none of that would happen. As of today, Comenity claims I owe them {$190.00}. 

Also, please note that no where on their statement states that payment must be done before XXXX of any Time. 
I have attached all the messages, statements, and a spreadsheet detailing the above mentioned.
Consumer complaint received 2018-04-10
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. (TX)

This accounts were deleted form my credit report in XXXX. It has been readded on credit report in XXXX. I have disputed this account as not mines. I have also provided a FTC ID theft form on this account. This is not a charge off. 

1. XXXX XXXX XXXX XXXX {$4100.00} Closed
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (FL)

Hello, I have my credit score drop from XXXX to XXXX in last few weeks because Citi credit card account is not able to pull up my disputes and has been charging me interest rate and mimumum payments on the disputed transactions since XXXX. They initially gave me the refund took it back and then gave it back to me and then took it again without notifying me. I have called them several times and told them that i changed my bank account and I was tired of the automatic withdrawal for minimum payment every month. 
I told them to put hold or do I need to keep making payments but they told me don't worry we will take care of it. But instead they made my account deliquent and ruined my credit. 

Even after staying on the phone with them over an hour they didn't give me any resolution and told me to call back again. I ended up paying {$480.00} for charges that I do not owe. I have not used the card in the last XXXX years besides monthly XXXX subscription being charged to the account. 

I really need help to restore my credit and fix this issue! 

Thank you. 

XXXX XXXX XXXX