davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (GA)

I used my Ally Bank debit card to book an {$890.00} airline ticket with XXXX XXXX. But then, Coronavirus came, and I tried to call XXXX XXXX to refund this amount, as per the airline 's policy. During this process I fell victim to an online scam : 1 ) I searched XXXX for " XXXX XXXX contact info '' and saw the merchant 's deceptive ad ( screenshot attached ) with a phone number, which I had assumed to be XXXX XXXX ( it wasn't ). 

2 ) Merchant falsely represented themselves as a XXXX XXXX representative, but stated that " computers are down due to call volume due to Coronavirus '' so proceeded to ask me for all my information -- confirmation number, flight number, billing amount. Merchant said that they could then proceed to issue a refund, but would have to charge me a {$160.00} fee. 

3 ) I gave credit card details expecting to pay {$160.00} for a service that would cancel/refund my XXXX XXXX flight. I got a receipt from merchant stating " your flight has been cancelled '' ( screenshot attached ). 

4 ) Flight was not cancelled. I did not get service provided as documented on the receipt. Then realized that Merchant is not XXXX XXXX ... called the real XXXX XXXX who confirmed that this is a scam, and that this 3rd party could not cancel the flight on my behalf. 

5 ) Upon further research I found that merchant is using this same telephone number on a number of fraudulent domains such as " XXXX XXXX contact '', " XXXX XXXX contact '', many of which are based in XXXX ( XXXX ). (  screenshot attached ). 

I believe this to be an online scam where merchant phishes for people thinking they're contacting an airline, takes credit card information, and charges fees for fake service which they don't and can't provide. Merchant lies on the phone and falsely claims to be the airline in question. 

{$160.00} fee was originally billed as " XXXX, VA '' from some virginia address, but when the charge settled it changed to " XXXX XXXX IL '' ( Illinois ).
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion LLC XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Consumer complaint received 2020-04-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MO)

I disputed the debit with the company in writing. They did not respond to my correspondence. Instead they turned it over to Transworld XXXX. 

Transworld XXXX is calling me at work on a phone that I use for business. I have repeatedly informed them to not call me at this number ( 3 times over the past month ). I have supplied them with my home phone number to discuss this matter, so they do have a way to contact me. 

Each time I've called them because the call I am receiving is a robo call instructing me to contact one of their agents by name. I do not speak to this person the recording lists when i call back.

Whomever answers the phone i inform them that the number they're calling, I provide them with the number I'm informing them not to call, is a work cell phone number used only for business. My employer does permit calls relating to personal matters during business hours. That disciplinary action can be taken if employees are found to be doing so. 

They can call me at my home and I provide that number to them giving them the hours I am available at that number and if they call outside that time frame they will not be able to reach me. I asked them to repeat the number the last 2 times I called to make sure they have the correct number. That's for both the number they're calling and the number I gave them to call. Each time they ask me to please give them 24 hours to get the number changed in their system and that I may receive another call before it gets changed. I acknowledge that, thank them, and end the phone call.

The last two times, after they go through their script about it taking 24 hours, I inform them that I've been told that the last time ( s ) and it's been over a week and I'm still receiving calls. They apologize and tell me it will be taken care of. 

These calls are daily, everyday I get one between XXXX hours and it's not always from the same number. Sometimes it's a XXXX number sometimes it's from a local area code XXXX or XXXX. 

I understand given the climate in today 's world things may take a bit longer to get accomplished. This has been going on now for over a 6 weeks. I think that's more than enough time. They have now officially had an impact on my professional life.

My Manager has taken note of these calls. Since I use this number for business I always take the call only to hear this recording. I hang up immediately but it has happened in front of him more than once. The guy is a " donkey '' and doesn't care about what I've done to get them to stop or that its beyond my control. 

He blew it out of proportion this week passing me over for a pay raise that I have been due for over 6 months. Referencing these phone calls as not only disrupting my work responsibilities but explaining why would he promote someone to manage a department when he can't even manage his personal life. Was this a XXXX   reason to do that, yes it is but he did it just the same. Now I'm livid and I want reparations for the damage they caused.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

MY BALANCE INFORMATION IS INCORRECT ON MY XXXX  XXXX ACCOUNT ENDING IN XXXX AND XXXX XXXX  ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Resurgent Capital Services L.P. (PA)

While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$570.00} from lvnv funding on XX/XX/2015. This credit card is unauthorized transaction and maybe identity theft is considered.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2020 I made a payment of {$1000.00} from my checking account that was cleared and cashed by Synchrony Bank/JCP credit card company. 
On XX/XX/2020 I received my bill in the mail that stated that I never made a XXXX payment, never reflected my {$1000.00} payment, and additional charged me {$56.00} in late fees and added interest to my bill. Calling the creditor they stated they never got the payment and would need proof from the bank that reflected this payment and withdrawal from my account. 
On XX/XX/2020 A Fax was sent to the creditor from myself with all documentation from the bank that was requested proving that {$1000.00} funds was taken out of my account from Synchrony Bank/JCP on XX/XX/2020. Additional I proved the bank branch information if any additional information was needed about these funds taken out of my account. I also called to ensure that the fax came through and that Synchrony Bank/JCP received this information. 
On XX/XX/XXXX I received a phone call at my home from Synchrony Bank/ JCP stating that my XXXX and now my XXXX payment ( Due on the XXXX ) were now OVERDUE and they were demanding payment. After talking to the representative I was told that IF they did except my payment of {$1000.00} ( which they haven't yet ) I would still own them {$690.00}. in total before my bill was paid in full. 
On XX/XX/XXXX a check for {$690.00} was sent in the mail for the full amount in order to pay off my account. 
On XX/XX/XXXX that check for {$690.00} was cashed and cleared. 
On XX/XX/XXXX I talked to Synchrony Bank/ Jcp and was informed that still have not " found '' my payment of {$1000.00} and even if the do find it they I would have over paid my account and they would owe me {$88.00}. I talked to a XXXX XXXX ( A " manager '' who would not give me his last name and requested that I re fax all of my paperwork regarding the {$1000.00} payment.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX balance {$2400.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX/XXXX XXXX Balance {$1300.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX/XXXX XXXX Balance {$1400.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} - Delinquencies and Late payments after closed accounts, please delete this account.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (DE)

My complaint is with Exeter Finance. Ive been paying {$560.00} since XX/XX/XXXX for a XXXX XXXX XXXX. Its a 60 month loan and to date I have made 56 payments. My maturity date is in XXXX of XXXX. This company is now telling me that I still owe them {$7000.00} dollars and that on XX/XX/XXXX the entire amount would have to be paid or they are going to repossess the vehicle. I have already paid this company a total of {$32000.00}. 

CONTRACT Contract Date. XX/XX/XXXX Mileage 60,000 Maturity Date. XX/XX/XXXX APR ( % ) 20.00 Org. Amt. Financed. {$21000.00} Monthly Payment. {$560.00} Amount Remaining. {$7000.00} Payments XXXX XXXX This amount {$39000.00} or higher will be the amount I pay for this used XXXX vehicle. Please look into this matter. This APR rate is unfair and abusive. I have tried to reason with this company regarding my health due to late payments and they dont care. This company is heartless and only want to gouge the consumer financially. Please HELP! 

VEHICLE Model Year XXXX Make XXXX XXXX Last 6 Digits of XXXX
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX has reported my payments are late to credit bearus. I had a few extension agreements due to XXXX. I was assured that it would mark my payment as current. That was 2018. Now XXXX is just not reporting correctly. Now it says my payments are late. I have a 30 day late on all credit bearus that was paid on time.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC (VA)

I have 60 days late payment reported on my credit History on XX/XX/20 by roundpoint mortgage. I refinance the house in XXXX, and I had closing done in mu home. I sign the auto deduct form to roundpoint on the day of closing, and was told that payments will automatically deduct, when they are due. Couple Months later I got a letter from them that I am late on payment. I called them and explain them the same thing, they waive the late payment and I paid them all three month of payment on same day, and since then I am auto paying the payment on time with no issues. I was told that it will not be reported on my credit report as it is not my fault, but a communication gap on the Roundpoint side.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank, XXXX XXXX XXXX Bank is not licensed to conduct business in California and they have no " Local Agent for Service of Process '' as required by law and are Unlawfully attempting to collect a fraudulent debt that has already been resolved by XXXX which provided CFPB with their written response that the money was returned to my account. Comenity failed to conduct due diligence and provided a fraudulent response to my complaint. 

I have no lawful responsibility to transfer any money that was done without my knowledge and consent, forcing me to work for free. This matter needs to be resolved by XXXX and Comenity Bank who get paid to work. Secondly Comentity Bank, etc. has to provide me ( XXXX ) with the name, address and telephone number of their local California XXXX for service of process. I called Comenity Bank and spoke with XXXX employees. ( XXXX, XXXX and XXXX XXXX who told me they would call me back with said information in 3 days but have failed to call provide me with their California local agent for service of process. California State Law requires they have an XXXX For XXXX XXXX XXXX. Records revealed they are in violation of California State Law in this regards.