davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-23
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. (NJ)

Since XX/XX/XXXX, I have attempted to resolve this issue with interest charges of XXXX months that are not due. This company has continued to give me the run around and keeps pushing the date further and further down the calendar. Now I know why - because they think they can push this issue off on another company- namely XXXX XXXX. Because of their incompetence, they have been fired by XXXX XXXXXXXX, and replaced with XXXX XXXX. I received a letter from XXXX Capital One stating that they are transferring my account on XX/XX/XXXX. Now I understand why Comenity Bank has been stalling for well over XXXX months to get the XXXX months of interest totaling XXXX in a check to me- this was reported to them on XX/XX/XXXX- they have gone way past the XXXX days they are allowed to look into and resolve this problem. They think that by stalling until that date, they can just transfer this problem to another company - a problem that they created and they need to resolve NOW - no more time should pass since they have already had over XXXX months to resolve the problem- but all they do is compound it! I have filed previous complaints with your CFPB and they just keep saying they are working on it. This is working on it - working to get it off their books, and burdening another bank with the problem they created. They sent me a XXXX  check and told me in XXXX that until I cashed that check, they could not send me the XXXX months of interest they incorrectly charged me- I cashed the check XX/XX/XXXX and it is now over a month, but they now tell me that they are still working to resolve the problem, which is a lie, because I have correspondence from them that they already resolved it - they credited my closed account and still refuse to send me the negative balance- which is the XXXX months of interest they owe me.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (IN)

I believe it was in XXXX of 2020 that my cable/internet service with XXXX XXXX was disabled due to a storm. I called and informed the company that my service was down. On Friday I was informed via voicemail that a repairman was coming to my house on Monday for the pending service call. He never showed up and I was without service for 2 weeks. Since no one showed up to fix my cable/internet I called and cancelled my service with XXXX XXXX. Then I contacted XXXX to have service installed. Each month since XXXX I have received a bill for service even though I canceled my service. Now I have received a letter of collectionsstating that if I don't pay the collections company ( Credit Control Corporation XXXX XXXX XXXX, Va ) a balance of {$110.00} that they will report it to the Credit Bureaus and damage my Credit Rating. I called today to talk to XXXX about the issue and the Collections Dept. operator named XXXX just gave me the phone number for Credit Control Corporation. She didn't even bother to discuss the issues with me about no service and no repair.
Consumer complaint received 2024-04-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (CA)

HI Someone made a loans in my name from the company ( AFFIRM INC ) XXXX A loan of ( XXXX $ ) on XX/XX/2023 XXXX A loan of ( XXXX $ ) on XX/XX/2023 XXXX A loan of ( XXXX $ ) on XX/XX/2023 I
Consumer complaint received 2024-04-07
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (MA)

I recently applied for financing through TD Bank, I was immediately denied and received a letter in the mail stating why. The stated reasons for denial did not apply to me whatsoever. I will attach a picture with the denial reasons. After jumping through multiple hoops to figure out what was happening, I discovered my credit had been merged with someone else without my knowledge or consent. I have since disputed the issues with XXXX, and my credit score reflects XXXX. After my disputes, I tried reapplying for financing and was again denied. I called TD Bank and was told that I will have to wait XXXX days to reapply because they will just keep kicking the application out to reflect the initial application.
Consumer complaint received 2020-06-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (UT)

CACH LLC, a Company I have no idea who they are, and XXXX XXXX XXXX are trying to collect a debt. from me. As far as I remember, I never signed any documents with the mentioned above organization. I had in the past a loan with the XXXX XXXX for a loan. I was making my payments until I lost my job in XX/XX/2015. Even without any income, I continued making my scheduled payments until I ran out of funds. At that point, I informed XXXX XXXX about my financial hardship and they agreed to work with me on making moderate Goodwill payments and try to keep the account off my credit. After several months of making payments, I got a call from claiming payments on the account and demanding a higher amount than the amount discussed with XXXX XXXX. They never identified themselves or said who they were. In fact, anytime I asked, the customer service rep would give me an evasive answer, implying that they worked for the XXXX XXXX. Under the assumption that they were still my lenders, I agreed to the new higher payments.I had checked my Credit Report, months ago and it was noted that the account had been written off, I kept making payments. 
During this period even when I was paying, calls kept coming several times a day When I could finally answer, new demands for higher amounts were demanded Because I was paying religiously, I asked first of all, why were they changing the amount when we had an agreement, ( Funds were being withdrawn from the bank ) why was I getting so many calls at work when they weren't supposed to do so especially because I was making payments, and more importantly, who were they. At this point I informed them that I was more than happy to continue with the arranged payments, but demanded to know exactly who I was dealing with. They refused to give me any information and I informed the person calling that until they could tell me exactly who I was doing business with I'd stop payments. 
As I mentioned before no written communication was given. And recently I found out that a third party Collection Agency named XXXX XXXX, XXXX has joined the venture. 
CACH LLC among other thigs, failed to provided the requested information and expected compliance. The stop payment occurred because THEY refused to provide the requested information. They also : Called several times during the day, and harras me every time I answered the phone ; Used lies or deceptions to collect the debt. They before and XXXX XXXX now, implied they could garnish my wages. All because they failed to communicate.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster Bank ( Headquarters : XXXX, CT ) offered its mortgage customers a 3-month Covid-19 deferment, and I applied and was accepted for it on XXXX, with the term beginning on XXXX. The written terms clearly state that " Negative credit reporting is suspended until the end of the deferral period [ XXXX ] ''. 

Yet they immediately reported to XXXX on XXXX that the account is delinquent after only 30 days. 

I emailed them 3 times and called them twice, but they have not resolved the matter. 

They admitted on the phone that my account is properly flagged as " Not Delinquent, Do not report to the credit bureaus '', yet their systems reported it as delinquent anyway, and they have not returned my subsequent calls or emails. 

I would not have entered their deferral program if negative credit reporting was not suspended. I relied upon their promise and clear language to the contrary. 

The impact to me is that my XXXX credit score fell instantly from XXXX ( Excellent ) to XXXX ( Good ) based upon their negative report. This has adversely impacted my job search, my access to new credit, etc. 

Their email responses are clearly just " passing the buck '' around and no one with authority or managerial expertise has contacted me or shown me a clear path to rectifying their incorrect report, as of today XXXX.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NY)

The company " Credence '' keeps on calling every phone in my household. When I say hello, it is silence and no one answer. We have never received a dunning letter from this organization either. They are not advising what is going on or what this is for. The calls are constant and very disruptive. We do not do business with collectors and we are not given a method to make it stop.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (MO)

I did not find out that a cash out refi was being initiated on the mortgage in my name for my residence until I received notification from my credit monitoring company that a second hard inquiry in 9 months had been initiated. The mortgage is in my name only but my husband is on the title. 

When I contacted the originator of the hard inquiry I was told that my husband had authorized it. When I spoke with him about it he told me that he did not give consent to run my credit. I requested the documentation in my file of authorization to run hard inquiries on my credit report but they have not produced anything and they have simply stated that they have never had this happen before.
Consumer complaint received 2019-12-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (IL)

Even though when I filed the application, I requested a monthly payment be taken from my account, they insisted on 2 bi-weekly payments of {$49.00} be deducted from my account. ( I had to submit copy of my Social Security Verification Letter ) to become eligible for benefits. I had requested that {$99.00} be subtracted from my account each month. They have been making me call every month to change the payment dates to the third of each month which towards the end of each month can truly be an inconvenience.
Consumer complaint received 2022-01-21
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. (MA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-21
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. (MA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IL)

Collection popped up on my credit report from XXXX XXXX now in the hands of XXXX XXXX XXXX. Called and spoke with both. XXXX XXXX said i had a {$0.00} balance. XXXX XXXX XXXX claims i owe {$210.00}. The date of the debt they claim i owe for is months after i sold the home. As well as switched services to the owners. Paid my final bill at the time services were switched. Also never even had XXXX. Whole time i lived there it was XXXX. No calls or letters in the mail. Straight to collections they send me. Never before had collections or late payments in my life.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (CA)

HI, ive been noticed from my bank and credit experian that some loans was made in my name i don't have any iedas about these loan from the company ( AFFIRM INC ) below ; XXXX- Loan of ( XXXX $ ) on XX/XX/year> XXXX Loan of ( XXXX $ ) on XX/XX/year> XXXX Loan of ( XXXX $ ) on XX/XX/year> XXXX
Consumer complaint received 2022-10-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX card service bureau i had closed my account with a XXXX due to not being happy with the card I never rendered services and they put it on my credit report which should never be on it. XXXX all three credit companies have not fixed the issues they all want me to pay for membership which is not right
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NJ)

I accepted an offer for an Aspire Credit card in XX/XX/2019. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed.

Trans Date Post Date Description of Transaction or Credit Amount XX/XX/19 XX/XX/19 ANNUAL FEE {$170.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account.

I communicated to the lender asking them to refund or close the account.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

Fraudulent charges on XX/XX/2020 on my PayPal Credit account for XXXX @ {$200.00} and PayPal Gift Sus Purchase @ {$100.00}. I did not make these charges for XXXX XXXX and PayPal Gift Cards. I have no history of ever making such purchases. 
Refunds of {$27.00} @ XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX SGT has not been applied. 
Also, refund of {$58.00} that the seller has already received back at the address given to me in the UNited States ; however, now the address in XXXX was given. The products have been received by the office in XXXX XXXX, CA. It was sent back on XX/XX/2020 and received by the seller on XX/XX/2020. It appears that there maybe some form of " corruption '' in this business as the number given as PayPal Headquarters ( XXXX ) is actually a group of " scammers '' who get into the computer, divert emails to XXXX. Also, PayPal denied my dispute. I have no history of ordering XXXX XXXX and PayPal gift cards. 
I was among the first who alerted CFPB about XXXX XXXX and you did nothing for two years. I am back again to let you know that someone who has a tie to PayPal.com is scamming individuals and PayPal.com appears to be working with the scammers. I am sending you copies of refunds due, proof of reciept, the telephone listing of the scammers, etc. please remember that Black Finance Matters also. Please listen when we report issues like this to you. Thank you
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX  and Chase bank are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by XXXX XXXX  XX/XX/XXXX to all the credit bureaus i have disputed with XXXX  and XXXX  this remark should not be on there in addition, XXXX  is showing the same remark from chase bank which that account was sold to XXXX in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to XXXX which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with XXXX and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when chase did it my score dropped 79 points with XXXX  My mortgage now with XXXX is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with XXXX and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed XXXX is refusing and this is inaccurate information. 

I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of limitations and chase should not have added that comment in XXXX of XXXX ... and we did not do this with XXXX they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did XXXX add this? 

I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed
Consumer complaint received 2019-12-27
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. (PA)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX  NOR TRANSUNION, YET XXXX  MANAGED TO WASH IT OFF COMPLETELY FROM MY REPORTS ... .. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

In XXXX XXXX XXXX  notified the XXXX via a 1099 C that the debt was cancelled and I paid the IRS for the additional tax liability. In XXXX of XXXX I filed XXXX  XXXX Bankruptcy in US Bankruptcy Court for the XXXX XXXX of Pennsylvania case number XXXX or about XX/XX/XXXX, Midland Credit filed a claim for {$10000.00} only using a public copy of a judgement that was entered in the Court of Common Pleas, XXXX XXXX, Pennsylvania that was entered in XXXX but never recertified as required b y law for continued collection. On XX/XX/XXXX Midland Credit Management was paid {$10000.00} which they was not authorized by law or their alleged client XXXX XXXX. Additionally, on XX/XX/XXXX I called Midland Credit Management and spoke with XXXX XXXX who stated they did not any documentation and they are required to provide proof of the debt, then stated I needed to speak to the bankruptcy department but they are not available.