davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I joined a company on XX/XX/XXXX and paid by my Best Buy card {$490.00} with a promise that they would give me a card to use called a XXXX that would give me generous amount of credit back in an online store that they ran that was supposed to be like an XXXX store every time you used the card. I had no idea this was a scam. I was hoping to get the card before the holidays so I could get some XXXX gifts cheaper. The company never gave me, nor like XXXX other people the XXXX. They just kept sending out emails saying that it was taking longer than expected to do this because they had to align with banks and gave a boatload of excuses. They were doing this every month. In XX/XX/XXXX they changed the name of the company. This is when I called Best Buy asking to get my money back. They said they would put a temporary credit on my account while they investigated. On XX/XX/XXXX I got an email from the XXXX company saying they were terminating operations. I immediately contacted Best Buy again about the charge. They said they were still investigating. They asked me to fax any info I had. I did this on XX/XX/XXXX. I hadn't heard anything so on XX/XX/XXXX I called and talked to XXXX in security operations. He said they were still investigating. On XX/XX/XXXX I talked to XXXX in security operations. She said to make a police report. On XX/XX/XXXX I filed a police report and waited to get a copy of it in the mail so I could fax it to Best Buy. This was done by XXXX XXXX XXXX, XXXX # DSN XXXX. Evidence request number XXXX. I immediately called Best Buy when I got home, talked to XXXX and gave her all the police report info and told her when I got a copy of it, I would send it in. I didn't realize that the police were not going to send me a copy of the report so I went up to the police station on XX/XX/XXXX and got a copy of it and faxed it to Best Buy. I called right after faxing the police report and spoke with XXXX who confirmed that the police report was received. On XX/XX/XXXX they closed my case. I called Best Buy on XX/XX/XXXX when I received this info in the mail. I spoke to XXXX who re-opened the case. She said it was categorized as a fraud ... ..like a charge I did not make, not as a scam. In XXXX I got another letter saying they closed my case and now when I try to call they re-route my call so that I am hung up on. My original case ID was XXXX then changed to case ID XXXX on XX/XX/XXXX per XXXX.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (NH)

XX/XX/XXXX I contacted the center director from XXXX to again request correction of the amount owed. She told me she could not because records were sent off site. 

XX/XX/XXXX Debt was reported to credit bureaus. 

XX/XX/XXXX I contacted National Recovery Agency to dispute the amount. 

XX/XX/XXXX XXXX said account would be noted as in dispute, requested supporting e-mails with the center director. 

XX/XX/XXXX XXXX said if XXXX could not validate the debt the account would be closed. 

XX/XX/XXXX XXXX said it takes 45 days for validation and they had not been authorized to report to credit bureaus yet. 

XX/XX/XXXX I contacted NRA to follow up since it was long past the 45 days. They said We have no control over the processing time as it depends solely on our client.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 no acurate delete the account below
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

In XXXX I I formed synchrony that I was a victim of identity theft and my information had been compromised. I sent a police report, documents verifying my address and my identity. On XX/XX/XXXX XXXX spoke to me about the situation. At the moment I had not obtained a police report copy. I asked if I should get XXXX for her and she responded, no. Well she informed me in a letter that my account number had been changed and that I was liable for that debt, because the items purchased were delivered to my home. I have been disputing this account because it simply is not mine, I am just waiting for trial so the judge assigned to my case can give me a legal letter which at that point I will hire an attorney to sue synchrony for the pain and suffering. 

On XX/XX/XXXX at XXXXXXXX XXXX synchrony illegally obtained money from my business checking account XXXX. The amount of XXXX they are now claiming the account is mine because I authorized its payment but this is inaccurate. Synchrony refuses to return my money and refuses to block and remove this fraudulent account. 
Please note that synchrony submitted information with the thiefs address in XXXX XXXX as my own, which proves that they have knowingly accepted the identity thief 's information, even after I had notified synchrony of the theft
Consumer complaint received 2024-03-31
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)

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 XXXXs # XXXX, XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX 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 liave 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 2023-08-29
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)

I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (FL)

have been trying to call comenity capital credit card XXXX for 10 days and staying on phone for 3 to 4 hours now the company has stopped my credit card i pay my bill and i was trying to dispute a charge i sent the credit card company a letter trying to dispute the charge that is when my card was stopped this card is a XXXX tried calling them no help.it is also connected to bjs wholesale club.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-31
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. (NC)

On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease-and-desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.
Consumer complaint received 2023-08-29
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: Freedom Mortgage Company (TX)

I contacted a Freedom Mortgage credit reporting on five separate occasions regarding my request to withdraw a 30 day late for my XXXX mortgage payment. The first two times, by phone in early XXXX and then again on XX/XX/XXXX via the web portal messaging system, they did not respond. The XXXX, XXXX and XXXX time they responded. I contacted them by letter on XX/XX/XXXX, early XXXX and XX/XX/XXXX, but each time they denied my request. Freedom Mortgage credit reporting policy is that Payments received after the month in which they are due will be reported to the credit bureau accordingly. This policy ignores the month of XXXX where there are only 28 days and a payment received in the XXXX days of XXXX where XXXX full days have not elapsed should not be reported as 30 days late. To provide clarity and precision on the timeline, let me illustrate, the payment due on XX/XX/2023, at XXXX AM, should not be considered late until a full 30 days have elapsed, or on the start of the XXXX day, after XXXX hours have passed from the due hour. The payment was logged as received on XXXX PM on XX/XX/2023, when only XXXX hours had passed, falling short of the threshold for being 30 days late. 

Given the serious nature of credit reporting, every action should be taken for the utmost accuracy. I have tried to resolve this matter with Freedom Mortgage but need help. Their credit reporting practices for the month of XXXX are unfair.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (NY)

In Accordance with the Fair Credit Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : XXXX XXXXXXXX # 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 reporting containing any of the following items of information any other adverse items 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 2023-08-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (NJ)

Hyundai finance hired XXXX XXXX XXXX who hired XXXX. XXXX to reposess my car on XX/XX/2023. They realized after XXXX hours their was incorrect info on the paperwork and returned the car with damage from being transported. 

On XX/XX/XXXX XXXX. towing fixed the damage on the car. 

I called hyundai on XXXX XXXX to see if the issue with the paperwork was fixed and how this even happened. They could not tell me and offered to terminate my lease without fines or penalties and told me it would be done approximately by Monday or Tuesday XXXX XXXX. 

I called 5 times before being able to speak with the rep handling it only to be told it would take more time and none of this could be documented in writing to ensure they would follow the new timeline promised or the stipulations verbally agreed too.
Consumer complaint received 2024-03-31
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. (NC)

On XX/XX/year>, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease and desist notice on XX/XX/year> pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

this company is still hustling, harassing intimidating, harming me hurting me by calling constantly and ignoring the documents delivered to them on XXXX XXXX XXXX  which shows evidence of the fraudulent opening of the account in question. the check shows 3 different writtings on it, the back has no identifying marking of were it was deposited a fake check This company and its employees opened a credit card account illegally without my consent, knowledge or express written consent. this is by far identity theft outright. they claim to be the police and they say they can arrest me if I don't pay them I told them I have NO KNOWLEDGE OF THIS ACCOUNT AT ALL. THEY SAY THAT IF I DON'T PAY THEM WITH XXXX GIFT CARDS OR WIRE THEM MONEY USING XXXX XXXX THEY WILL TELL THE WHOLE NEIGHBORHOOD THAT I OWE A DEBT. I HAVE NO KNOWLEDGE OF ANY ACCOUNT AT ALL.
Consumer complaint received 2023-08-21
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: National Credit Systems,Inc. (CA)

Iam not liable for the {$12000.00} debt with XXXX XXXX XXXX. I do not have a contract with National Credit Systems they did not provide me with the original contract as requested
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (AZ)

I was not able to verify certain information with the various companies and so no one was able to help me with the issues relating to my inquiries. They somehow have my file and information in their system but when I contacted them representing myself, stating I did not authorize them using my information, they were unable to help.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

Calling the company Aidvantage about the account login being XXXX. They will not unlock the account. I spent XXXX hours on hold to unlock the account for my mother so we could setup payments that were about to restart. My mother is elderly and can not sit on the phone for XXXX hours nor can I go and sit at her house for XXXX hours because I have to work so i can pay my loans. The loans are under my name anyway and her name. This is unrealistic requirement for a working person that is trying to may payments on their loans like I have been doing for the last 6 months.
Consumer complaint received 2022-10-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have made numerous attempts to work with this company to have the incorrect information removed from my account. I have been treated unfairly and at this point I want to make a formal complaint about the unfair treatment I have received. Both accounts that I did have open with them were closed - by XXXX XXXX - due to an error on their part. Even after said error was recognized and corrected, the accounts were never opened or repaired in terms of incorrect information being corrected. This company is impossible to work with and under the FCRA I am requesting them to be removed from my report IMMEDIATELY. I truly appreciate your assistance as I do not know where else to turn and this is greatly impacting my ability to further my life, buy a house, and get out of the viscous cycle of debt my generation is in.
Consumer complaint received 2024-11-14
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. (MI)

To Whom It May Concern, The false information on my credit report comes from accounts I did not open and was created by someone stealing my identity. These accounts include : XXXXXXXX XXXX {$11000.00} credit card, XXXX XXXX XXXX {$1000.00}, mobile account, ( Transunion ) I am writing to formally dispute several accounts, collections, and hard inquiries that have appeared on my consumer credit report, which is being maintained by your agency. I do not recognize these aforementioned accounts, collections, or inquiries, and they were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and inquiries in question are a result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Report complaint report number is XXXX which documents the fraudulent activity. This report has been filed with the U.S. Federal Trade Commission, confirming that the fraudulent accounts, collections, and inquiries on my credit report were not authorized by me. 

I request that you investigate these fraudulent entries and remove them from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX  XXXX {$7300.00}
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I have a federal student loan with MOHELA. The federal government has put out guidance on income driven repayment plans and how if you recertified since payments restarted and your monthly payment went up that your payments will be reversed and lowered back down. MOHELA refuses to recognize this and has incompetent agents who do not have the proper training or guidance. Even the supervisors are incompetent. They emailed me in XXXX of XXXX saying if I did not recertify my payment would go back to the standard payment. Now they will not adhere to federal guidance and lower my payment back.
Consumer complaint received 2023-08-29
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumers Alliance Processing Corporation (MS)

I hired consumerslliance processing Corp. to. I made XXXX payment from last year up until I got a XXXX loan to pay all my credit cards bills in the contract.There is still negative remarks on my credit report, I've sent them all this information to date no response.XXXX  XXXX client service and XXXX creditor contact