davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (FL)

To whom it may concern ... ..I have done a number of investigations on my credit report and notice several issues...... I have also maintained a subscription with XXXX so i can manage my credit report ... ... Im constantly harassed with promotion to add to a already expensive subscription., and still there are multiple errors, misspelled names, wrong addresses, and accounts. This unfortunately is my fourth attempt with this company ... .U nder 15 U.S Code 1681 e ( b ) and 15 U.S Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate information. The credit reporting agencies stated these accounts were investigated and came back verified. This is obviously not true for there major errors, several inaccuracies ... ..As a consumer I request all the steps your agency took to insure these items were % 100 accurate under 15 U, S.C S 1681 ( 7 ) Method of verification description of reinvestigation procedure. 
Accounts- XXXX  XXXX {$2000.00}, Accounts-XXXX XXXX= {$2600.00} XXXX XXXX {$5200.00} AccountsXXXX = {$12000.00} Account XXXX XXXX = {$4200.00} Accounts-XXXX XXXX= {$1000.00} Please delete these errors of my credit report ....
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (IL)

They have unfairly contacted me for the purposes of debt collection. Their attempts can be deemed illegitimate due to the fact they sent me no formal notification of collection 30-days before the calls started which goes against the Fair Debt Collection Practices Act. They are trying to collect a debt that is also in the process of being paid to the party to which it is owed. They continue to use coercive and extortionary language during their calls to me, telling me and my family that we could face some serious penalties if no money is given to them. In reaching out to the original creditor, they indicated to continue to send the payments to them as the individuals at Enterprise Recovery Systems in XXXX XXXX are paid on commission.
Consumer complaint received 2023-04-30
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. (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 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2023, I applied for credit card at SAMS CLUB issued by SYNCHRONY BANK to pay for my total purchase and future purchases. I was instantly denied and sent an adverse action notice. The adverse action letter states that the decision was based in part on a credit scoring system that was used to evaluate my request. It stated that the most significant reasons where I did not score well are listed below : Revolving account balances are too high in proportion to credit limits, too many recent inquiries, not enough total credit line, and recent over limit on a bankcard account. It states that some of the information used to make the decision was obtained from the consumer reporting agencies : XXXX and XXXX. As stated in the Adverse Action Letter and Congressional Findings ( 15 USC 1691 ( a ) ( 3 ) ), The Federal Equal Credit Oppurtunity Act makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis, because the applicant in good faith exercised any right under the Consumer Credit Protection Act. I exercised my right by applying for an extension of credit with SAMS CLUB and provided all of the information that was asked for and I was denied. I have been denied an extension of my credit after applying for a credit product at Sam 's Club issued by SYNCHRONY BANK. Which means that, at that point after I applied, I should not have been denied or discriminated against, because that is unlawful. SYNCHRONY BANK has violated my right and discriminated against me by willingly, knowingly, and unlawfully denying me an extension of my credit. The factors that have been listed above about the decision of my credit has no relevancy as to why I was denied an extension of credit and discriminated against for just applying for the extension of credit. The denial of the extension of credit has been detrimental to my credit file. It has been reported on my XXXX and XXXX credit files and it is affecting me getting credit extended with other creditors. I have been denied several times due to having this inquiry listed in my credit report. It has been no benefit to me but more of a deterrent to applying for credit.
Consumer complaint received 2023-12-09
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: CITIBANK, N.A. (CA)

Citi bank online payment continues to practice inaccurate information. This invovles the amount of money that is due on my credit card. I use their pay current balance option and some how the next months when my statement show a random {$700.00} to {$900.00} dollars is still due. It does this every month for the previous month no matter how I pay. It never goes away, doesnt matter if show them the math and dispute it on the phone. They always claim on the phone it doesnt show pending charges but current pending charges and thats why I dont see what I owe. They try and list pending charges and it never add up to anything close to what they claim I owe. They will go in circles trying to claim well the money must have come from before. We need to go back a month and see what that statement balance was previously. 

I had the same issue with XXXX  and eventually through working with cfpb the next day they credited me back the over charge of around XXXX dollars. 

This is false billing pracitce and is completely defrauding me. 

Currently they claim i owe XXXX dollars but i paid off my current balance right around the due date of about XXXX XXXX dollars. There is no way to get them to admit the online billing system is falsely showing information from previous statments. 

If this continues I will send them a demand letter to fix it and sue them.
Consumer complaint received 2018-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In XX/XX/2018 I requested, and I asked for Validation of the debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted from XXXX, XXXX and XXXX. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done Business with this company. I want this removed from all 3 credit bureaus files. No validation has ever been received by the credit bureaus for proof of this. I sent letters to Portfolio Recovery Associate in response to a notice sent to me. My notices were sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809b that I disputed their claim and requested validation.

My letters were not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named, Title and Section. I respectfully requested that Portfolio Recovery Associate provide me with competent evidence that I have any legal obligation to pay them. 
I asked for and as required by law to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

I never received a copy of a signed contract as required by law. This company in which I hold no contract with nor have received services. This business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I DEMAND they remove the marks from my credit reports XXXX, XXXX and XXXX. Portfolio Recovery Associate placed these marks on my file before any proper validation was confirmed.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXXl. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2023-12-11
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (FL)

After I used my direct Express comerica Bank pre paid debit card at the XXXX ATM machine at XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX on XX/XX/XXXX at XXXX to take out {$600.00} that left me balance of {$200.00}, I then started having issues with my direct Express comerica Bank XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX And at XXXX XXXX, it stated chip error and card not valid. When I went back to same XXXX ATM machine at XXXX it printed receipt saying the number of daily withdrawals has been exceeded, please contact your card issuer. And receipt shows no balance. I never used my card to get any money out on XX/XX/XXXX. I tried calling customer service to get agent on phone but it won't allow you to talk to live agent, it gives you pre recorded junk messages no option for live agent, was only able to close out card and request new card, But not able to dispute any charges on the account nor tell agent account is compromised putting my XXXX benefits at risk of further be stolen. I reported card damaged and requested a new card be mailed not received yet.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX, I deposited {$210.00} into my Venmo account. However, the very next day, I was shocked to find that my account had been suspended. I immediately reached out to the customer service team for assistance, but they were not helpful at all. Despite my repeated attempts via chats, emails, and phone calls, I have not received any concrete answers. Venmo has been citing concerns about identity fraud but has refused to provide any information about what triggered the investigation. I find it baffling that providing specific information about my account could lead to identity fraud, considering that Venmo already has my social security number and a copy of my driver 's license. I am disappointed that Venmo has not been forthcoming with critical information and has put the onus on me to prompt them for it. A customer service representative informed me today that I needed to submit a readable copy of my driver 's license, which was not communicated to me earlier. To make matters worse, the customer service representative was rude and unprofessional. It is unacceptable that Venmo 's customer service representatives are not trained to prioritize the customer 's needs. I am currently struggling financially and unable to pay my bills due to the suspension of my account. Venmo needs to provide me with immediate assistance and a resolution to this issue.
Consumer complaint received 2023-12-08
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: CCS Financial Services, Inc. (CT)

I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Lendbuzz Inc. (FL)

I finance a truck in XXXX dealer name XXXX XXXX XXXX give them XXXX in down payment more XXXX for plate My bank finance its Lend buzz Pass 2 months the dealer closed and never give my tags And I still make all monthly payments right Pass 6 months at day XX/XX/XXXX at XXXX XXXX  a town company come and Towin take my car. 
I stop by at police station the told me my car have been picking from the bank, I call the bank they says the dont have anything we this, I stop by at DMV the told me the car never has been transfer for my name and the car lend holding its not my bank its a credit union, all my personal items its inside the car iDs, SSN , drive license, bank cards. For me goo get my stuff I need to pay XXXX just for pick up my personal items. 
For all this 6 months I us make alright payments XXXX a month they take my car I did the complain at DMV ( complain number XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services : XXXX I asked for validation of debt when it appeared on my credit report on XX/XX/2023. I did not receive any validation of debt. I did however receive a text message. I did not receive in the initial communication ( the text message ) the collection disclosure. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please see attached message. Please see attached request for validation.
Consumer complaint received 2023-11-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

Credence has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Credence is a 3rd party debt collector attempting to collect an alleged debt. Credence has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX told my ex husband that I would be removed as a co-signer from his mortgage when he modified the loan without me post divorce. He waited per their request to submit the finalized divorce paperwork along with the modification so that he could stay in the house on his own as he was previously. I was removed from the mortgage ( attached ) and I was removed from the deed. XXXX, however continues to keep their account on my credit illegally. Nothing has my name on it any longer and I have no responsibility to the home anymore. XXXX has refused to offer any assistance and continues to report as an open account on my credit causing me additional financial harm and emotional distress. I consulted an attorney and I was told that it was a mistake and they need to correct it. I have attached all the paperwork I have.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened an Capital One secured card account on XX/XX/2019 and the company has not reported the acvount as of XX/XX/2019. I contacted them but to no avail, they still won't report the card. 
I need the account reported to boost my credit score. The reason I applied for the card was because of the promise that they would report my payment history to all three credit bureaus.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (VA)

As an existing Ally Bank customer, I was excited when I heard about their 1 % cash bonus offer for moving money to an eligible account. The offer promised a cash bonus of up to {$500.00}, which was a significant amount for me. I immediately decided to take advantage of this opportunity and transferred {$50000.00} from an external bank account to one of my Ally Online Savings accounts, which was eligible for the bonus. 

I eagerly waited for the bonus to be deposited into my account. However, when I checked my account on XX/XX/XXXX, the day when the bonus was scheduled to be credited, I was surprised to find that Ally Bank had not credited the full bonus amount into my account. Instead, they had only credited {$410.00} to my account, even though I was eligible for the full {$500.00} bonus. 

Feeling frustrated and disappointed, I immediately contacted Ally Bank and opened a case to address the issue. The customer service representative assured me that the case would be reviewed and resolved within 5-7 days. However, after waiting for several weeks, I still hadn't received any updates from Ally Bank. 

Feeling concerned about the lack of communication, I decided to follow up with Ally Bank. Unfortunately, the responses I received were not helpful. They informed me that my case was still being reviewed and that they could not provide me with any timeline or updates. This only added to my frustration and XXXX  about the situation. 

As days turned into weeks and weeks turned into months, I found myself becoming increasingly frustrated with Ally Bank 's lack of progress on my case. I had provided all the necessary information and met all the requirements for the bonus, yet I was not receiving the full amount. It was extremely frustrating, and I felt like my concerns were not being taken seriously. 

After waiting for 91 calendar days, which was 64 bank working days, I contacted Ally Bank again to express my concerns. I was hopeful that my case would finally be resolved, but I was disappointed to receive the same response as before - that the case was still being reviewed, and they were unable to provide me with a timeline. 

The lack of progress and communication from Ally Bank was frustrating, and I was losing faith in the bank. I had been a loyal customer for a long time, but their handling of my case made me feel like my business was not valued. I was starting to wonder if I should take my business elsewhere as this whole experience left me feeling frustrated and disillusioned with Ally Bank. 

In conclusion, the lack of communication and slow progress on my case was frustrating and disappointing. I had met all the requirements for the cash bonus, yet Ally Bank failed to credit the full amount into my account. Their lack of responsiveness and failure to provide me with a timeline or updates left me feeling frustrated and uncertain.