davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated (NE)

Unifund CCR LLC obtained a judgement against me on an old credit card balance in XXXX XXXX, XXXX. case # XXXX  XXXX for the amount of XXXX. Bi weekly garnishment payments were withheld by my employer and forwarded to the XXXX XXXX XXXX beginning on XX/XX/XXXX around XX/XX/XXXX with a balance of XXXX remaining. XXXX CCR LLC then filed another garnishment order in XXXX XXXX XXXX around XX/XX/XXXX and bi-weekly garnishment payments continued until XX/XX/XXXX. On XX/XX/XXXX, I received via US mail, a copy of a continuing garnishment order filed in XXXX XXXX XXXX by Unifund CCR LLC. The order stated the the garnishment order was to continue until XX/XX/XXXX. 
I contacted Unifund CCR LLC via telephone regarding the order and was placed on hold and no one came back on the line. 

On XX/XX/XXXX, I received via US mail, another copy of a continuing garnishment order filed by Unifund CCR LLC in XXXX XXXX XXXX on XX/XX/XXXX. The order states that the order is to continue until XX/XX/XXXX. I again attempted contact with Unifund CCR LLC via telephone and asked to speak to attorney XXXX XXXX XXXX ( This is who filed the garnishment order ), only to be placed on a long hold and then transferred to a different division with a voicemail. I left a voicemail and am waiting to hear back. 

As of the date of this correspondence, Unifund CCR LLC, has garnished {$2000.00} from my checks.
Consumer complaint received 2024-04-22
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. (TX)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

After reviewing my consumer report, I noticed that there were inaccurate accounts and information on my consumer report. The companies reporting my information never gave me my right to opt out of credit reporting and furthermore, they never asked for my permission to furnish this information furthermore they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, it caused financial harm, and it also damaged my overall reputation with lending institutions.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

{$230.00} on XX/XX/XXXX I disputed an XXXX XXXX XXXXXXXX XXXX account ending in XXXX on my XXXX credit report this account was open in XX/XX/XXXX now after the dispute XXXX falsely reaged this XXXX XXXX XXXXXXXX XXXX  account to XXXX of XXXX I never even had this account open in XXXX of XXXX it wasn't open until XX/XX/XXXX. XXXX keeps telling me I am wrong with this information this information was taken directly from my credit report I've been pointing out the errors so how could I be wrong when it's what experience is showing me
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne Savor Card : 1 ) Account opened XXXX XX/XX/2023. 
Shortly after the card was used to make a few legitimate charges, it was arbitrarily and capriciously restricted, rendering it useless, without notice, explanation, or apology after customer was embarrassed by a declined charge attempted at a familiar vendor. It was not until the customer contacted this shyster company with a WRITTEN COMPLAINT ( XXXX XX/XX/2023 ), demanding explanation and apology, followed up by a second letter ( XXXX XX/XX/2023 ), demanding that they put their demand in WRITING, that this anonymous form-letter process time-lined below commenced : 2 ) XXXX XX/XX/2023. Customer Fraud Protection notice placed a temporary restriction on the credit card, rendering it useless. 
3 ) XXXX XX/XX/2023. Customer Care Team notice, card is rendered useless, with the threat of permanent card closure until some ambiguous and vague information is verified. 
4 ) XXXX XX/XX/2023. Customer Care Team notice of arbitrary and capricious account closure after not getting the ambiguous and vague information verified. 
Throughout the process, and the passage of these multiple months, this shyster company outright ignored and refused customer 's repeated multiple requests for the ambiguous and vague information demanded to be specified in WRITING. 
This shyster company penalized the customer simply for insisting on the customer 's preference for the reasons for these questionable actions to be put in WRITING in place of unrecorded telephone contacts. 
Customer desires to expose whatever it is that this shyster company is so desperate to conceal from the public in its dubious and impersonalized dealings with the customer, who did absolutely nothing wrong from start to finish : including paying off IN FULL both credit card transaction statements duly received and disposed of.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (SC)

I received service from XXXX on XX/XX/XXXX for monitoring service. On XX/XX/XXXX I canceled the entirety of that contract with the cancel confirmation # of XXXX. I was told someone would call me to come and collect the equipment. Someone did call me I missed the call. I called her back. She said she would call me back in five minutes once she pulled up my account. I never received a call back at this point. I was seven months pregnant and about to deliver and going through complications so I didnt have the time to call them back to check the status. After I delivered my son in XX/XX/XXXX a few months later I called back and said hey nobody has reached out to come collect this equipment. Per the contract, It says that they have 20 days of the date of your notice of cancellation to come and collect it. 

" IF YOU CANCEL, ANY PROPERTY TRADED IN, ANY PAYMENTS MADE BY YOU UNDER THE CONTRACT OR SALE, AND ANY NEGOTIABLE INSTRUMENT EXECUTED BY YOU WILL BE RETURNED WITHIN 10 BUSINESS DAYS FOLLOWING RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE, AND ANY SECURITY INTEREST ARISING OUT OF THE TRANSACTION WILL BE CANCELLED. 
IF YOU CANCEL, YOU MUST MAKE AVAILABLE TO THE SELLER AT YOUR RESIDENCE, IN SUBSTANTIALLY AS GOOD CONDITION AS WHEN RECEIVED, ANY GOODS DELIVERED TO YOU UNDER THIS CONTRACT OR SALE ; OR YOU MAY, IF YOU WISH, COMPLY WITH THE INSTRUCTIONS OF THE SELLER REGARDING THE RETURN SHIPMENT OF THE GOODS AT THE SELLERS EXPENSE AND RISK. 
IF YOU DO MAKE THE GOODS AVAILABLE TO THE SELLER AND THE SELLER DOES NOT PICK THEM UP WITHIN 20 DAYS OF THE DATE OF YOUR NOTICE OF CANCELLATION, YOU MAY RETAIN OR DISPOSE OF THE GOODS WITHOUT ANY FURTHER OBLIGATION. IF YOU FAIL TO MAKE THE GOODS AVAILABLE TO THE SELLER, OR IF YOU AGREE TO RETURN THE GOODS TO THE SELLER AND FAIL TO DO SO, THEN YOU REMAIN LIABLE FOR PERFORMANCE OF ALL OBLIGATIONS UNDER THE CONTRACT. '' Needless to say, I never heard from anybody. I sold that house after going back-and-forth with XXXX for months nobody ever called me back. I was always the one calling and now theyre trying to charge me after I was trying to get this squared away. Thats unethical. I could have XXXX pull every record that I called them and tried to get them to square this away. I abided by the contract that I signed thats says I needed to cancel within three days now I expect them to abide by the contract that says if you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your notice of cancellations you may retain or dispose of the goods without any further obligation
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

{$230.00} on XX/XX/XXXX I disputed an XXXX XXXX XXXXXXXX XXXX account ending in XXXX on my XXXX credit report this account was open in XX/XX/XXXX now after the dispute XXXX falsely reaged this XXXX XXXX XXXXXXXX XXXX  account to XXXX of XXXX I never even had this account open in XXXX of XXXX it wasn't open until XX/XX/XXXX. XXXX keeps telling me I am wrong with this information this information was taken directly from my credit report I've been pointing out the errors so how could I be wrong when it's what experience is showing me
Consumer complaint received 2023-09-26
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX - XXXXXXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$3000.00}.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I do not have an account or any knowledge of Portfolio Recovery Associates, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. 

I do not have an agreement or contract with this company, and am at will to sue. '
Consumer complaint received 2024-02-26
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. (CT)

I submitted an application with my local bank for a Home Equity Loan. 

They submitted a pull on my credit report. I got a call today from a phone number who claimed to be Ira from XXXX XXXX a lending broker partner of XXXX XXXX, who said he got my information from Transunion. He knew my credit score, my address, my name, my social security number, my credit cards and loans. 

He then proceeded to pressure me to try to get a mortgage with them. Stayed on the phone would not take no was very pushy. 

He sent me a text from a number to get me his business number. 

I did not tellthem to send my information to others.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The account was in a negative static and i paid the account in full in then and the account haven update. there is XXXX different company 's that I was redirected to report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original company XXXX XXXX. This account is continuing to being sold to other agencies even after it has been paid in full. 

The account was paid in full in XX/XX/XXXX, As shown on the payment conformation letter that I am uploading. However the last payment date on the credit report is showing for XX/XX/XXXX.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. 
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Consumer complaint received 2023-09-26
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

ACCORDING TO THE FAIR CREDIT REPORTING ACT, THIS CREDITORS HAVE VIOLATED MY RIGHT.UNDER 15 U.S.C. I681, SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY.15 U.S.C.1681, SECTION 604A, SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.UNDER 15 U.S.C. 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2023-12-04
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: SYNCHRONY FINANCIAL (OR)

XXXXXXXX credit 's online system informed be that I had a payment scheduled. 

There was an error of some sort. 

Subsequently, XXXX  credit reported my account as delinquent.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied and was approved for a CITIBUSINESS / AADVANTAGE PLATINUM SELECT CARD in XX/XX/XXXX. This card offered a signup bonus of XXXX miles after spending XXXX USD in 6 months of card opening. I met these requirements within the first 2 weeks. Multiple chat agents confirmed in XXXX, XXXX, and XXXX that I've fulfilled the requirements successfully and to expect the promotional miles will be deposited in my Aadvantage account within 8 weeks ( from XXXX ). After almost 5 months of waiting, I still have not seen these miles. Multiple follow ups with Citi ( in XXXX, XXXX, XX/XX/XXXX ) went unheeded with no resolution whatsoever. 

This is unacceptable since I entered into a contract with Citi and fulfilled my end of the requirements almost instantly. 

Citi representatives also promised an additional XXXX miles as a courtesy to make up for the delay in depositing the original bonus but I haven't seen that either.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (MD)

Professional Account Management ( PAM ) is saying that I owe a toll in Virginia that doesnt exist. I called XXXX XXXX in Virginia and they say that they have no violation under the violation number given. I think Im being spammed or a victim of fraud. The notice of violation from PAM also mentions that the initial notice of the violation was on XX/XX/XXXX. I wasnt even in the state of Virginia on XX/XX/XXXX. 

Professional Account Management , LLC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-09
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)

The account was in a negative static and i paid the account in full in then and the account haven update. there is XXXX different company 's that I was redirected to report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original company XXXX XXXX. This account is continuing to being sold to other agencies even after it has been paid in full. 

The account was paid in full in XX/XX/XXXX, As shown on the payment conformation letter that I am uploading. However the last payment date on the credit report is showing for XX/XX/XXXX.
Consumer complaint received 2023-09-26
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. (MN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3600.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX, XXXX and XXXX are all reporting Incorrect information on my credit report. I called XXXX today because i received a copy of my credit profile. I noticed many errors on my report. They were not able to provide me with all the information. Information is still being withheld concerning who or what agency reported certain inaccurate information. My XXXX  score has dropped as a result. I have filed a fraud alert with the FTC. I am furthermore requesting that all fraudulent information to be removed from my report. This has caused me to miss out on many financial opportunities.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP (MI)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I send debt validation letter to Congress Collection they were given 30 days no one responded all effort were ignored, however one of the accounts were deleted from my credit report. Secondly these debts originate from a XXXX XXXX XXXX bill that the statue of limitation of 7 years has surpassed by years. They have changed the account numbers and sold them to a third party debt collector the originate from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OH)

Back in XX/XX/year>, I sent a request to transfer my loans to MOHELA and be put on the SAVE/REPAYE plan, which would involve a $ 0 monthly payment given my current salary. I was erroneously put on the STANDARD plan and charged {$1900.00} per month. After speaking with them on the phone, they adjusted the monthly payment to {$0.00} per month and refunded me the {$1900.00} they incorrectly charged me in XX/XX/year>. 

My main issue is that there is interest accruing in the amount of {$3700.00} from that XXXX incorrect charge. I expect this interest to be waived pleased and reset to {$0.00}.
Consumer complaint received 2022-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY (NY)

My niece sent me {$80.00} via XXXX XXXX. I don't have XXXX XXXX. I don't want to open an XXXX XXXX account. I want the funds reversed back to my niece 's TD Bank account. 

Both XXXX and TD Bank are pointing fingers at each other. They are putting the owners on me to open an account that I don't want. The should have a control where funds reverse back to sender.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (IL)

Original applies for a student loan I believe back in XXXXXXXX  with Sallies mae and out of no where I was being billed and called by XXXX saying that Sallie Mae gave them my loan and for me to pay them from now on. I didnt not agree to Sallie Mae giving them my loan
Consumer complaint received 2023-09-26
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX