davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (WA)

I have been trying to resolve an outstanding debt so that I can get it removed from my credit report and hired an attorney to negotiate the debt for me and they said " We've been informed by the creditor that the file is now closed and non-collectable. They're not taking any offers on the debt. It could be that it just aged to the point that they can no longer do anything with it legally. You may try to dispute the debt with the credit bureau that it appears on. If it's old enough it should " fall off '' the report. '' - My Attorney XXXX XXXX XXXX Nothing has " fallen off '' my credit report and I want it removed from the 3 credit agencies so that I can rebuild my credit. The law firm " XXXX and XXXX '' last represented the debt for Calvary Portfolio Services '' and that is who told the attorney that it is closed and non- collectible.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2022-11-28
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent Experian a certified letter on   X/XX/2017  as well as a fax on  X/XX/2017  regarding updating the accuracy of my address, telephone number and employment. They have refused to make the changes. I submitted a copy of my drivers license, social security number and a bank statement, with my current address ( which has been my address over the last five y ears ). Even Experian has corresponded with me through my updated address.
Consumer complaint received 2021-08-25
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: BARCLAYS BANK DELAWARE (FL)

Barclays Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Consumer complaint received 2023-02-13
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: Upgrade, Inc. (FL)

On XX/XX/XXXX and XX/XX/XXXX, UPGRADE, INC agreed to TERMINATE and DELETE all security interest, sharing and furnishing of an account opened with my credit financial information ( personal identification information ) due to fraud as a result of IDENTITY THEFT. I was given given several guarante by XXXX XXXX XXXX Department of said furnisher that all XXXX XXXX XXXX ( CRA ) that they UPGRADE, INC has shared my information with has been contacted and information will be deleted. 

On XX/XX/XXXX I contacted CRA XXXX regarding said information been reported by upgrade which I disputed with XXXX as FRAUD and IDENTITY THEFT and supplied appropriate supporting documents. XX/XX/XXXX. XXXX informed me that UPGRADE, INC VERIFIED the information as of XX/XX/XXXX to be ACCURATE and CERTIFIED true. 

I reach out to UPGRADE, INC on XX/XX/XXXX for clarification regarding the respond from XXXX to which I was inform they have deleted the account as of XX/XX/XXXX. This contradicts their reporting of said account and the statements been generated showing the account is still active even though it was closed and sold to a third party debt buyer as of XX/XX/XXXX. The account is still showing activity and still been furnished to CRA ( XXXX ).
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (MS)

tryed updating my phone number to my affirm account and still getting the same XXXX from affirm and when i sent a compliant to affirm this is what i got,,,,, ATTACHMENTS affirm.pdf ( XXXX KB ),,, affirm give us a call, for your security, we need to update your number over the phone, please give us a call at XXXX, thanks for taking this last step, call,,,,, and when i do this, i still get the same XXXX, sending me a sorry XXXX link that does not work, i just called XXXX and still getting the same XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

When I was unable to use my Discover card it was denied. Ive never been late usually paid two payments a month. But DISCOVER REVOKED MY ACCOUNT WITHOUT WRITTEN NOTIFICATION. Their claim is we emailed you. You agreed to being emailed. I explained I do not recall this conversation and listening to it will make no difference. This all stems from the card getting violated in which I have no problem filling out paperwork when I know its coming or marked Eurgent in email so you know its not spam. I am following this complaint with the OCC, FDIC, FCC SINCE THEY RENEGED ON A VERBAL AGREEMENT VIAL TELEPHONE.
Consumer complaint received 2024-03-03
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: Experian Information Solutions Inc. (NY)

I got a copy of my credit report to check to see if things were accurate, and i noticed that i have some unauthorized hard inquiries. I've written letters to all three bureaus and stated that that these hard inquiries were unauthorized, and they still haven't removed them from my credit report.
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (SC)

I got a {$1000.00} line of credit through Synchrony Bank Care Credit for Dental work in XXXX of 2018. I have made {$770.00} to date in payments to Synchrony Bank yet my balance is above the original {$1000.00} amount that I used one time in XX/XX/2018. They say I still owe {$1100.00}. How is this legal? I though charging 100 % in interest and fees was illegal?
Consumer complaint received 2023-02-07
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. (SC)

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. 

Account name : 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 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 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (VA)

I was scammed from a fraudulent USPS website for {$68.00} on XXXX. I informed my bank ( PNC ) and they didnt offer help. I had to push a request to have my card locked as they didnt offer any solutions. During the phone call I felt as though they didnt take my concerns seriously.
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (MS)

Collection Agency : Receivable Management Services Original Creditor : XXXX XXXX  Date Assigned : XXXX XXXX, XXXX Original Amount Owed : {$49.00} Collection Amount : {$110.00} Collection Agency : XXXX XXXX Original Creditor Name : XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$170.00} Collection Amount : {$170.00} I have disputed these accounts numerous of times for identity theft as I am not the responsible party. I have provided the police report and supporting documents in regards.
Consumer complaint received 2019-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have tried multiple times to withdraw funds from my coinbase wallet but transactions keep getting stuck in pending. 

XX/XX/XXXX - Tried to withdraw XXXX Link but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX ZRX but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX Link but transaction is stuck in pending XX/XX/XXXX - Tried to withdraw XXXX XXXX but transaction is stuck in pending I have contacted Coinbase support through multiple channels including telephone, several e-mail addresses and XXXX but have received no adequate response or any assistance what so ever with my issue
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (AL)

They stole my identity and took out 4 cars in my name without me being there, in states that I'm not like New York and New Jersey, I only own a single car and it's a white XXXX XXXX XXXX, the other cars are a fraud
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, 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)

On XX/XX/2023, I opened a business account with XXXX. I was told by the representative that I should co sign for this business account. I asked if there would be a hard inquiry and he said it would only be a soft inquiry. So I agreed. A few minutes later I was alerted by TransUnion of a new hard inquiry by XXXX. I have spent hours on the phone with XXXX trying to get them to correct this, but they actually have no idea who handles this and dont seem at all concerned about trying to help.
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (NC)

A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2023-01-23
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. (NJ)

Under 15 U.S Code 1681B- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 
I, XXXX XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of these accounts listed below :
Consumer complaint received 2017-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We purchased our home in  XXXX . In  XXXX , we took out a home equity loan with  XXXX . In  XXXX , at the height of the financial crisis, our business experienced catastrophic losses. We asked to make partial payments and were denied. However, we were offered and approved for a loan modification, which we paid on time every month. Suddenly, our lender, which is now  XXXX    XXXX    (  who acquired  XXXX   ),  breached the agreement and asked for all payments in the former amount combined with fees and penalties due at once. We obtained legal assistance to fight for our rights and finally in  XXXX , they withdrew the lawsuit. Our home has been underwater since  XXXX . We have been trying to resolve this for almost 9 years.   Then, in  XXXX , they filed for foreclosure again and we filed against them on statue of limitations. While our case was being considered, the  XXXX   XXXX   Court of appeals  demolished statue of limitation laws in  XXXX  states. Texas now has no statute of limitations on foreclosure. They can foreclose until the end of time. In  XXXX ,  XXXX  started foreclosure again.   We applied for another loan modification and were denied and received a letter that we were not eligible because we were over 90 days delinquent. The other reason is that they could not reduce our payment by 20 %. What does that mean? Our original loan was {$680000.00} and now they say we owe {$1.00}  XXXX . The house is still underwater and we can not sell it for $  XXXX . Even though they are supposed to help home owners who are underwater with some of the  XXXX   XXXX  in fines levied by th e US  government, they have told us they will not help us.   There is no t one person at Ocwen, who is the agent  for  XXXX   XXXX , who has any authority to make a decision other than foreclosure. How in this great country, can we allow a foreign entity doing business on our soil not to follow the laws. And, the loan servicer is  Ocwen  and I can not even begin to list the abuses we have suffered at their hands. As senior citizens, we will never recover from this financially and  XXXX  and  Ocwen  get off without any agency or th e U.S. Department of Justice able to make them follow the laws. Ocwen is in trouble again, but they continue to break every federal law created to protect home owners. Ocwen has broken every Dodd Frank law.
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I feel that Bank of America committed an act of retaliation in the most obscene and disgusting way possible. On   XX/XX/XXXX ,  I placed a claim of fraud agains t one o f their customers in which I sent a transfer to. By mid   XX/XX/XXXX , th ey were stating that they stopped trying to get the money back. Honestly, I feel like they never tried, so I was out of my money of {$1400.00}. I tried to escalate this to the CEO of the company and apparently this was a huge no-no in their little world. Let me add, that not once have I overdrafted my account. So, here is the deal, today,   XX/XX/XXXX  2017,  m y deposit of almost {$900.00} hit my account for the week. Fortunately, I got gas at the beginning of the day and a few sodas, but by mid-day, on a Friday mind you, they instantly decided to shut down the account. No telephone calls, no emails, no letters in writing, nothing formal and I am left in the dark without a clear idea of what happened. I, then, called the customer service unit and got transferred. When I asked for a clear reason why my account was closed, there was no clear reason of why it happened. I was left completely in the dark. I got served with " Bank of America has the right to close your account at anytime ''. Well, that is nice, but why must the representatives of the bank be so smug and arrogant about it. This is hardly professional. It is almost like I worked for a week and Bank of America took it upon themselves to say " Well, we got this scammed out of {$1400.00}, what is anothe r $  XXXX +?  '' " He can handle it and we do not care if his refrigerator is empty, we do not care if his car payment is coming up due, we do not care if his day to day expenses need to be covered. We just care about  XXXX  this guy over because {$1400.00} was not enough. '' This is deplorable, unethical, and yes, I understand, perfect legal, but how am I to live over the next several days? All my money is wrapped up with the bank and they state how they will let me take my money from branch office. Yeah, they are giving me permission to come to the bank in  1 to 3  business days to get my own money. Guess what, Bank of America, THAT IS MY MONEY AND YOU ARE COMMITTING ACTS OF FRAUD AND MONEY LAUNDERING. You are holding my money, loaning on it, gaining a nominal interest rate on it, and doing of ton of interesting things that only banks like you know to do with it and what do I have? Nothing, nada, zilch, and a complete and utter upheaval of life. You have no class and that is unacceptable. Just because it was legal to close my account, you could have given me a date of when the account closure was going to happen to insure that I stopped checks, ACHs, and other items from being withdrawn from the account.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I feel that these accounts are negatively affecting my credit report and costing me XXXX XXXX XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Consumer complaint received 2023-01-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion on XX/XX/2023, around XXXX XXXX PST. I spoke to a female agent located in the XXXX call center. At the very beginning of the phone call, the agent purposely disconnected the call on me. This is the XXXX time this has happened. Its always occurring with the XXXX call center. This is known as call avoidance and is inappropriate. It is prohibiting me from filing a dispute pursuant to the federal FCRA. This is becoming a common practice and a norm in the XXXX call center ; which is egregious.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I closed an account through Comenity Bank that I opened through an Ulta store in XXXX of XXXX. I had never received a card or any other info on the card after I opened it XXXX of XXXX, I believe it was. I only used it on the date I opened it. I finally received a bill from them about the time I closed the account. On XX/XX/XXXX, I paid the balance of {$64.00}. They have been contacting me about late fees on this account after I closed it. I think theyre saying now I owe over {$300.00} on an account with a balance of XXXX when I closed it. For a period of about two weeks, I was getting calls from an unknown number multiple times per day, which I didnt answer or couldnt block because the number wasnt displayed. Finally they called and left a message so I knew it was them constantly calling. The unknown calls still came several times per day. Then I got another call with a message on XX/XX/XXXX and I talked to someone on that day. They said I was two days late paying my final bill so thats why I owe this money. They kept charging me fees when I didnt have an account! I said on this call that I would pay the late fee, but they said that wasnt enough. Now its on my credit report as delinquent. The same thing is going on with a XXXX card I got through Synchrony.I closed the account, asked what the balance was, paid it and theyve been charging me fees while I dont have an account and that is now on my credit too.I always had good credit before I opened two accounts to save a little money. Is this legal? Can you help me with these two matters?
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Curfin Holding Company, Inc (IL)

I have a loan on a used XXXX XXXX XXXX that was fraudulent loan to me on XXXX XXXX with plenty of violations the dates on the loan is not matching to the date I did the loan with them also my signature was forged on some of the paperwork ..! also they have violated my consumer rights under the federal law US CODE S1605c