davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I recently reviewed my consumer report and there is inaccurate addresses being reported that need to be removed. 

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 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-16
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX, I ordered a candle and sweater total of {$7.00}. I was waiting for the XXXX bill from the company because I was not sure of the exact amount owed. I had a {$0.00} Credit balance prior to this purchase. I had not received a bill from the credit card since XX/XX/XXXX. I did not receive emails from the credit card company. I also had an excellent credit score! I did not receive any communication from the company until XX/XX/XXXX, when I received 2 letters from the credit card company about 2 other accounts ( different stores ) that my credit limit was being lowered. I checked my credit report and saw that the account from the problem store was delinquent, and I owed {$34.00} due to late fees. This lowered my credit score to very good. I called the company and spoke to person that was able to remove the biggest fee, which let a balance of {$17.00}. I paid this fee over the phone. I was told to call the credit bureau in regard to my change in credit. I spoke to a person at the credit bureau and was told that I would need to talk to someone at the credit card company and have them remove the delinquent payment and notify the credit bureau. I called the company back and asked to speak to a supervisor or manager, I was told that there was no one on site to speak to. I was told to send a letter with my Social Security number, Date of Birth, name, address and account number to an address in Ohio. I did not send this letter due to concerns about identity theft! ny.
Consumer complaint received 2024-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XXXX of XXXX  Capital One offered a " no annual fee, cash bonus ( XXXX dollars ) " promotional credit card. I requested and received the card. I met the requirements of charging the required amount of money within the specified time limit to quality for this promotion. 

When I asked for my bonus cash money I was told the card they issued me did not qualify for the promotion! This is the classic bait and switch scam! 

As information my credit score is between XXXX and XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Recovery Systems, L.P. (WA)

On XX/XX/2026, I noticed hat a Paramount Recovery Services placed a Collection on my account. I have had no relations or communication with this company prior.I contacted this company and shared that I have had my identity stolen in the past. I provided my address for them to send validation of the debt. It is XXXX XXXX and I have not received this documentation. 
The account ( XXXX... ) is not my account. I am requesting that you immediately remove this traveling from all reports.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XXXX XXXX XXXX, I contacted each of the 3 agencies and requested that my credit score be changed to zero ( 0 ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all 3 bureaus.. 

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.
Consumer complaint received 2023-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (CA)

In XXXX I was a victim of identity theft. XXXX XXXX XXXX in XXXX, CA sent medical bills amounting in over {$6900.00} into collections originally through Medicredit. This was done by a parent whose child was XXXX XXXX ( XXXX XXXX XXXX ) at an address Ive never lived before! The credit bureaus still refuse to remove this address after multiple attempts. 

I filed a police report with XXXX, ca police department and did an identity theft with the federal trade commission on XX/XX/. After completing this lengthy process this debt was removed from my credit. It seems that after Medicredit closed it they sold the debt to another collections agency XXXX XXXX. 

I disputed these accounts and the credit bureaus are refusing to remove it from my credit! So Im a victim of identity theft and these collections agencies can continue to sell these debts and put it on my credit again and again! I need help. 

Every time I call the creditors they arent able to find my information because its not ME. It happened with Medicredit and now financial.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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 XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

In XXXX of XXXX I purchased a TV at Best Buy and they said I would get a discount if I signed up for a Best Buy credit card, so I did. I paid off the TV immediately and never used that card, neither online nor in person. In fact, I never even brought that card out of the house, just stuck it in a drawer. 

Then in XXXX of XXXX, I received a bill showing a {$690.00} purchase was made on XX/XX/XXXX. I did not make that purchase. The only detail on the bill was " BESTBUY.COM ''. I disputed the charge but then on XX/XX/XXXX BEST Buy added the charge back to my account saying it was valid. I called again and they said XXXX iPads were purchased online and picked up at the XXXX NJ store. I did not make this purchase. The store should be able to pull surveillance and see who picked up the item, because it was not me or anyone I know. 

I have a credit score of over 800 and would never try to get out of paying a legitimate purchase. This is theft. Best Buy did not protect my data ( I can assure you my junk drawer wasn't hacked ) and then they did not verify who they handed the items to. Best Buy should be able to resolve this but so far they have not and instead, by denying my dispute, are accusing me. 

Please assist as I don't know what else to do ( involve police? )
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America closed my credit card account with perfect on time payment history on XX/XX/XXXX without notice. I understand that banks can close any account for any reason, however, when I called to inquire about it, they told me it was a secret and I had to wait for a letter. When the letter arrived, it said it was due to my credit report. Which, normally I would understand, except that my report had not changed since the account 's inception ( I still have XXXX % on time payments on every credit account I've ever had ). So I made an appointment at my local Bank of America branch to discuss it. They told me they have nothing to do with credit accounts, only checking/savings accounts and told me to call the XXXX number. Multiple calls lead to no valid explanation and lies. All reps said they can not see any details to discuss it with me. One Bank of America rep said even though he didn't know why it was closed, he could request my account be reopened, after a few seconds, he told me that my account could not be reopened because the " terms of my old account were no longer available '' which turned out to be a lie, as I received a letter a few days after the call saying my account couldn't be reopened because I recently had an account revoked from Bank of America : well yeah, that's the account in question.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (AL)

Per attached letter XXXX to Chase Card Services, dated XX/XX/2024, receipted XX/XX/2024, Subject : Failure to Receive Credit Balance Refund Check, amount {$1300.00} " According to your customer representative the above reference refund was to have been forward to me at the address listed above on XX/XX/2024, or the next business day. As of XX/XX/2024 or a total of XXXX postal service mailing days the refund has not been received. '' Requested : The subject check be cancelled immediately upon receipt of the letter. 

The credit balance refund of {$1300.00} be transmitted by direct deposit into my checking account, XXXX XXXX XXXX XXXX, routing number : XXXX, accounting number : XXXX. 

Acknowledge receipt of the letter and your action by text and/or email.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (IL)

XX/XX/2024 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay RMP Services LLC. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete Account immediately. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/2023, I submitted a request to Mr Cooper to approve a sublet of my Co-Op XXXX XXXX of which Mr Cooper currently holds the mortgage ). I was told to email the request to XXXX. It took XXXX phone calls to customer service to find out I needed to provide several documents with the request. Mr Cooper has no information on their website regarding this type of request. I provided the documents on XX/XX/XXXX. 

On XX/XX/XXXX, more documents were required by the Research team, of which I provided on XX/XX/XXXX. It has been 31 days since my request for a simple letter of approval to sublet, and, I still do not have a resolution. I am in daily contact with their Customer Service department, as they do not have a phone number for the " Research Team. '' It's clear to me that their Customer Service department has no access or visibility on my request and their only update to me is that " the request is in process. '' An approval to sublet is a time-sensitive request, and should be treated as such by the mortgage lender. In this day and age of technology, I see no reason why a request from a mortgage holder in excellent standing should take more than 15 days. Additionally, Mr Cooper does not provide any transparency to the consumer on the process ( required documentation, timeline, expectations ). It's been 31 days and counting, and I still do not have a resolution from Mr Cooper on my request. 

Mr Cooper XXXX XXXX # XXXX
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (OR)

XX/XX/XXXX I called Truist to pay off my car. had a influx of money and it was almost paid off. given a pay off amount of XXXX i paid this amount got conf number XXXX. 

i celebrated. i paid off my first car!! then XXXX i had not gotten a tile and so i called to find out how that happens. told it takes a few months to process. that if i didnt get it by XXXX to call again. i mentioned how exciting it is to pay off my car. never once was i told i still had a balance. 

then XXXX. i get a postcard in mail saying im past due by XXXX bucks ( dont have the exact number ) i thought oh, must be interest. i called and im told im past due by XXXX and change.?? i then told them that i will make a payment later that evening sinice i needed to see what was left as i thought i had paid off the car and already alloted the money elsewhere.. told that was fine. i made a XXXX dollar payment. now we get calls XXXX times a day the following week on the exact date the bill pay payment goes through and is posted ; my husband gets a call saying that if we dont make a payment that my car would be repoed. SERIOUSLY!?!??!? i called and found out why. and was told that my account has not been sent to repo department. that it was only 3 days past due. i asked to speak to repo department to verify and then moved on today XX/XX/XXXX i get an email saying im XXXX cents past due. i called to pay it to stop the harrasing calls to both myself and my husband. i am hung up on XXXX times. was not able to connect using a landline that my hearing XXXX can use. had to use my cell phone which my hearing XXXX dont like and i had a very difficult time. told im 25 days past due. and that i needed to pay XXXXand some dollars. 

i told him i want to pay what the email from them says. he would NOT accept a payment using the source that all of my payments came through. 

the numbers have never been the same. my husband gets different numbers. there is no communication. i have no faith that i will get a title. or be able to pay off the car with the different numbers im given each time.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear TransUnion, I am writing to bring to your attention a serious issue regarding an inaccurate account on my credit report. Despite my credit report dispute that I submitted to TransUnion on XX/XX/2024, the account remains unresolved. I am writing this complaint because this deceptive collection agency is making unauthorized and inaccurate changes to my credit report, and I need my identity protected right away. 

The debt collector, XXXX XXXX XXXX, failed to notify me of a derogatory collection account which was incorrectly and duplicitously reported on XX/XX/2024, while simultaneously misleading me into believing my active dispute was underway, which has severely damaged my credit score ; I believe this is a violation of FCRA. Moreover, they have failed to provide proof of the alleged debt or respond to my dispute with them, and I have since reported their unethical and manipulative behavior to the authorities. This issue has contributed to a lot of financial stress and XXXX  especially with regard to an unethical debt collector tampering with my identity and personal information. I'm concerned about the violations and would appreciate additional measures to safeguard my personal information and ensure report accuracy. 
Please remove the inaccurate account and help me regain confidence in my credit report. 

I expect TransUnion to take immediate action to : XXXX. Remove the inaccurate account from my credit report XXXX. Provide written confirmation of the resolution to my email I appreciate your prompt attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/2023 XXXX XX/XX/2023. XXXX XX/XX/2023. XXXX XX/XX/2023. XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Store Card for Amazon I miss XXXX XXXX received this card and XXXX of XXXX  return several items what's Shown up above. By the carrier of XXXX XXXX File a dispute XX/XX/2023 the items were not credited back to my store card. Is stating that they issued it in a gift card without my authorization there are no transactions of a gift card issued on my account with Amazon my card has been closed out without my authorization for delinquent payments my transactions of payments the payments were being made I was advised by customer service not to make a.ny more payments until the issue was resolved I took it upon myself to make payments the credit line was only for {$400.00} I do not understand how it is {$200.00} with a payment of {$40.00} due. At the opening of this account {$400.00} line of credit what's {$15.00} payments per month when I had the card ran it came up as a scam? My ending results do you have this card removed off of my credit report immediately to given service of my card with Amazon