davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (KY)

According to the report it states that in XX/XX/XXXX this account was delinquent for XXXX dollars from XXXX XXXX. I was never contacted about this debt. Not by email, phone, mail, nothing. This shouldve been paid with my deposit that was given when the electric was turned on. I was never sent a check from my deposit either. 
I believe in XXXX of XXXX is was sold to XXXX XXXX financial. Who also NEVER contacted me, not by email or phone, or mail. I checked my credit score and found they had added this as a collection. 

On XX/XX/XXXX I attempted to contact XXXX XXXX and upon discussion with someone they were unable to provide me with any documentation. She had no information on my account, only that XXXX dollars was owed. She didnt know what for, there was no indication of a check being sent to me, or a final bill that was showing unpaid. She prompted me to contact XXXX XXXX XXXX. Upon calling them I asked for any information to be send to me, which they claim they did via mail but I have yet to receive anything. Told them they needed to take this off of my credit report as there is NO documentation of why I have this debt. He refused and said the only way is for me to pay it.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

I DO NOT OWE ANY DEBT. I HAVE NO CONTRACT WITH THIS DEBT COLLECTOR. 

PLEASE HAVE THEM PROVIDE EACH AND REQUESTED DOCUMENT IN MY DEBT VALIDATION LETTER. 


ALSO THEY ARE TO SWEAR UNDER PENALTY OF PERJURY THEY WERE PRESENT DURING THE DEBT. 

AT THIS TIME OF DISPUTE THEY ARE TO CEASE ANY REPORTING TO ANY CREDIT REPORTING AGENCY. 

THEY ALSO ARE REPORTING INACCURATELY ON MY CREDIT REPORT WHICH HAS CAUSED ME MENTAL ANGUISH AND AFFECTING MY LIVELIHOOD.
Consumer complaint received 2023-11-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC (TX)

On XX/XX/XXXX, I reached out to Global Lending Services ( GLS ) in order to obtain documention regarding the wrongful repossession that they conducted on my previously owned vehicle. Global refused to do so. In addition, I requested a detailed backup of all information they are claiming is still owed on this loan that they have refused to provide. To provide the history of their wrongful practices, it is important to note that on XX/XX/XXXX, GLS sold my vehicle at auction without providing me any notices whatsoever and did not provide me any right to redeem in that process. Instead left me without any means of transportation for work and ultimately cost me my job. Prior to this all occurring, I had been in direct contact with the GLS customer service department and had been informed that they would be working with me since I notified them that I was having mechanical issues with the car and needed time to get payment to them due to the unexpected costs of repair. Instead they sent someone to the repair shop to repossess the car with out any communications and without the 10 day written notices that is to be provided as indicated in their sales/finance agreement executed in XX/XX/XXXX ( sections d, e and f ) not excluding any other consumer rights or remedies allowed by Law. 

I am asking for your assistance in obtaining the documents I have requested so that I can determine the best course of action with this now unsecured creditor and also to report their unethical business practices. These documents are : All notices that should have been provided to me prior to the repossession and after ; The Bill of Sale for the Auction that I was never informed of that occured on XX/XX/XXXX ; and the Release of Lien that occured when they conducted that sale including a full accounting including a amortization schedule of all payments applied to the note from origination. 
They informed me today, XX/XX/XXXX, I would be provided the documents I was requesting is if I paid off the deficiency balance ( that is now considered an unsecured debt ) which is what lead me to reach out to your agency for assistance.
Consumer complaint received 2016-08-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Arbitration Forum (MO)

Son - I received a subpoena in the mail stating that I owed {$470.00} to XXXX XXXX XXXX and they were going to take me to court if I did not pay them {$270.00}. I called them and told them that I did not borrow the money, they told me that I still owed them the money and that I would have hire a lawyer to prove that the account was n't mine and that the attorney would cost more than the money I owed. I tried to borrow the money from my mom and she said that she would check into this, that I should not pay for something that I did not do. 

Mom - I checked into the phone number and realized that it was a scam wherein the company was trying to exhort money from my son by threatening him. I called the company on the letterhead and told them that I knew this was a scam and not to expect money from him, they claimed that my son told them that he borrowed the money and agreed to pay it back. They also claimed that they did not threaten him, if a law suit is not a threat, I do n't know what one would be. I also called XXXX XXXX XXXX and they have no record of him ever borrowing money from them. I do not know how they got my sons information but as they has his name, address and last XXXX of his social security number.
Consumer complaint received 2021-10-16
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. (AL)

I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW MEXICO XXXX XXXX From my credit file Asap!
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (FL)

In accordance with the fail credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nBt treat a payment on a credit XXXX XXXX account under an open end XXXX consumer credit plan as late for XXXX XXXX it and pyt itin that box g Green Screen XXXX
Consumer complaint received 2021-10-16
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. (CA)

From XX/XX/2021 thru to XX/XX/2021 Transunion has manipulated my credit report. Now, it appears that Transunion have inserted an unknown erroneous COLLECTION account by XXXX XXXX XXXX XXXX with an original creditor as " XXXX XXXX '' to my credit profile and refuses to remove this damaging information. As previously stated this account is not mine and does not belong to me. It seems as XXXX XXXX XXXX XXXX  have not reported on this account since XX/XX/2021, more than five ( 5 ) months ago XXXX XXXX third party credit report included. Transunion hurts and damage consumers daily. These treacherous, malicious acts must stop.
Consumer complaint received 2023-07-12
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. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-04-12
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. (NJ)

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXXXXXX XXXX  {$110.00} and XXXX XXXX XXXX XXXXXXXXThese following accounts have 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.C1666B : 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 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

This is for the HSBC XXXX XXXX Credit card ( website : https : //www.us.hsbc.com/credit-cards/products/elite/ ). 

One of the card 's benefits is : " {$400.00} in Travel Credits. Up to {$400.00} per year for all airfare, hotels and car rentals booked through HSBC Travel. '' The way it supposed to work is for every {$2000.00} in airfare you spend through the HSBC travel website, you get a {$100.00} credit, max {$400.00} a year. 

Well, this year I have spent over {$2000.00} and have not received the {$100.00} credit. It looks like a IT issue on HSBC side as one of the bookings is not reflecting on their website. I got email confirmation from HSBC for the flight and they can check my card statement, but no one is willing to help. I rang twice, they passed me to the Rewards department, and after waiting with the music they hang on me. Then I spoke to an agent about this and raise a complain but no one has come back to me. I feel it's a scam and they don't have any customer service.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

My boyfriend and I have a joint account through Citibank and we have had this account since XX/XX/2023. As of XX/XX/2023, we were blocked from our online portal access and we now have XXXX access to our funds. We called the Citibank support line & were told by a representative that our account was being sent for closure, with no reason available to be given, and the money in our account would be sent in the form of a check in XXXX days. We informed her that there was no reason to close our account and we had confirmed all deposit questions she had, which were from our employers. We since then have had no access to any of our funds and have had reps hang up on us because they said we will receive a letter in the mail in XXXX days. We also do not have access to our online portal so we can not even see our recent deposits or transactions to confirm with the representatives. We asked to be transferred to a supervisor to resolve this issue, which we were denied. We have contact the Citibank XXXX XXXX unit and were given a case number & told to wait 15 days for an analyst to reach out to us. We arent even sure what information to provide because they will not tell us the reason for closure. No one will help us.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In accordance with the fail credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nBt treat a payment on a credit card@. . account under an open end XXXX consumer credit plan as late for XXXX  .copy it and pyt itin that XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commercial Recovery Systems (FL)

Agency Name : Commercial Recovery Systems , Inc. 
Debt is from XX/XX/XXXX? XXXX XXXX. 
Received a letter from them on XX/XX/XXXXSent a Certified Letter Requesting cease and desist calling my parents and son, also to call me directly on my mobile number. They continue to call all numbers regardless. I was threatened with court action, I requested then to be served so I can defend my self in court. They asked for my attorneys name. I did notprovide this information. Nothing they continue on. 

I am extremely worried that they may present a claim in court that I would not be aware of and get an unfair judgment against me. 

Was called today with the same story and I proceeded to request to be served at my place of work at which time the lady hung up. 
This is now getting ridiculous for a dept. I do not even remember having all my other depts. where paid in full or settled with XXXX payments several years ago.
Consumer complaint received 2023-11-30
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: AMERICAN EXPRESS COMPANY (LA)

I was given a {$30.00} American Express gift card ( non reloadable ) and tried to use it for various purchases, but was declined each time. I tried XXXX, XXXX XXXX XXXX, and XXXX and they all declined. None of those transactions were over {$10.00} so the balance wasn't the issue. The card was activated successfully according to the instructions on the back of the card. The website says it should work at any merchant that accepts American Express, but that just isn't the case.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I paid off the full balance of my ( Bank of America ) credit card ending in XXXX. I requested all cash back dollars to be paid out in XXXX of XXXX. I requested that the account be fully closed in approx. XXXX of XXXX via phone. The account was REMOVED from the online banking AND app banking systems. Statements were NO LONGER BEING PRODUCED. To my knowledge, the account was closed successfully. The absence of this account on ANY records, support that they began the process of closing the account, but did not report it in a timely manner to credit bureaus. 

In XXXX of XXXX, I was notified that they were closing my account : which was supposed to have been closed several months prior. I relayed this to multiple representatives, none of whom were able to assist in any notable capacity. 

BofA is refusing to correct their tardy credit reporting. They are refusing to audit the account history. They are refusing to supply documents to me to review personally. 

After attempting to resolve issue in XXXX of XXXX, I did not receive any new emails or letters about this account ending in XXXX. Now after months have passed, they are YET AGAIN showing this account as active in email messages : this demonstrates their inability to properly monitor and document the status of this account. ( see attachment )
Consumer complaint received 2023-11-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Received the AMEX gift card {$750.00} and tried to place several orders on XXXX but all got declined. XXXX XXXX pending transactions showed up under spending history but still can not have the order placed. It's a gift card should be able to spend everywhere, in-store or online, according to the description listed on the website. Called AMEX customer service but got told it's XXXX declining the transactions even XXXX told me it's declined by AMEX. Asked customer service to solve the issue but kept telling me there is nothing they can do and asked me to use the card in other store, which is not the purpose I am planning to use the card with.
Consumer complaint received 2023-09-13
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. (CA)

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

I enrolled in the payment protection program. Initially, the payment protection department was compliant sending me documents and forms to be completed. I completed them right away and submitted them. I called in thereafter to confirm documents I completed were received in good order. I sent them in on three different occasions and each time, the payment protection dept stated they have not received all of my documents when I repeatedly submitted them. They are not following up or initiating my payment protection benefit.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

I made a payment on my XXXX student loan, ( which does not go into repayment status until XXXX ) on XX/XX/XXXX through NelNets website. I confirmed that the payment was deducted from my bank account on XX/XX/XXXX. Servicer ( nelnet ) and XXXX XXXX do not show this payment having been made as of XX/XX/XXXX. Spoke with Nelnet for over 2 hours. They stated that the main system does not show the payment was made. They had to reach out to another department and was able to verify that they did receive the funds on XX/XX/XXXX, XXXX advised they would put a ticket in for the funds to be credited to my account which would take XXXX weeks. This is not handling my payments in a timely manner. I request that they provide a provisional credit so that my account would reflect an accurate balance since they have verified that they received my funds and so that I could continue to make my payments and this was verbally denied. I was told not to worry, it would be fixed in 4-6 weeks and there was nothing they could do. Account XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Filed a dispute with Transunion. They can't even get simple fact correct anymore. Blame XXXX for this... It's ruined my life ... and these XXXX XXXX about it probably!!
Consumer complaint received 2023-11-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions 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 2017-03-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC (CT)

I received in the mail an unsolicited credit card in my deceased husband 's name, at the address of the family farm for XXXX XXXX Preferred Card with a {$500000.00} available credit. Only tele-phone number is to activate card ( XXXX ), same with email address ( XXXX ). I could only find on the computer an address for this company that seems to be a fake -- in California. From internet research this is a scam which previously had slightly different company name and an address in AZ. I want to be certain that this company knows this card is illegal and is stopped from sending these. I am concerned about identity theft and that something awful could happen to my finances as a result of this. I want to be sure that it wo n't influence my credit score or reporting. The letter that came with the card has the disclaimer on the back that it is not an offer of credit, but that XXXX XXXX wants to verify financial information and credit worthiness. I want to be sure they can not access this information. It is not possible to contact the company directly since the only available phone number or address are to activate or seem to be fakes.