davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
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: Advanced Resolution Services 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-05
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. (MD)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX XXXX XXXX. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$960.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2800.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-24
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: CORELOGIC 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. XXXXXXXX XXXX XXXXXXXX, 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 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 2022-12-24
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: EQUIFAX, INC. (UT)

This complaint is made by me XXXX XXXX not a third party company this is my complaint. so i am the victim of identity theft. and i submit the reports to the credit reporting agencies and they didnt remove any of the accounts.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I am getting repeated letters in the mail as well as phone calls from National Credit Adjusters saying that I am in debt to XXXX XXXX for {$1800.00}. This alleged debt was previously on my credit report by XXXX   XXXX XXXX collecting for XXXX XXXX XXXX. I filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX, and an agreement was made to remove the collection account from my credit report, not to be reported or resold again. I received no response. 

In XXXX XXXX, I was alerted by my credit monitoring service that National Credit Adjusters had illegally reinserted the previously mentioned collection account on my credit report. 

.
Consumer complaint received 2022-12-24
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. (PA)

The collection company ( XXXX XXXX ) is reporting a fraudulent account on my consumer report. I did not give this company permission to run my credit and have never opened an account with them. I would like this company to delete this off of my consumer report from XXXX and Experian. Thank you.
Consumer complaint received 2022-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

TransUnion violated my right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) -Accuracy and XXXX XXXX XXXX XXXX XXXX which is a violation of the ( FCRA ). pursuant to Title 15 USC 1681b ( a ) ( 1 ) -Permissible purposes of consumer reports, TransUnion have not got an order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, to furnish account ( XXXX DEPARTMENT OF EDUCATION XXXX to my consumer report. I as a consumer never VERIFIED nor gave prior permission to TransUnion to furnish the account ( XXXX DEPARTMENT OF EDUCATION ). I as a consumer is enforcing my RIGHTS and demanding that TransUnion Delete/Remove ( ALL ) accounts ( XXXX DEPARTMENT OF EDUCATION XXXX XXXX my consumer report or I'll file suit pursuant to Title XXXX XXXX XXXX XXXX for willful noncompliance and XXXX XXXX XXXX, for XXXX noncompliance Respectfully, TransUnion will be liable XXXX me {$1000.00} each violation for violating Federal Law ( FCRA ) XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AR)

This morning, I received an email from Citi telling me they had closed my credit card account. No prior warning - no prior communication of any kind. 
I have had the card for 10 yrs with a spotless record of paying for charges in a timely fashion. 
I called Citi and informed them of what had happened and asked for an explanation. A customer service employee told me a letter had just been sent explaining the situation but he couldn't give any more information because of my privacy rights. I asked to speak to a supervisor. 
A supervisor pulled up the letter sent to me and told me my account had been closed for " non-usage '' and explained I had not used the card in at least 2 yrs. I countered that was probably true, I had several cards and I used each of them according to the scenario and I was sure, if he cared to look back, that there had been other 2 yr periods over the past 10 yrs when I had not used my Citi Card. I asked if I had ever signed any agreement or had been informed by Citi of their " use it or lose it '' policy. The supervisor told me no, they simply had the right to close my account at any time for any reason. 
As you know, this affects my credit rating negatively and I informed the supervisor of the same. I think it patently unfair that my credit rating will go down - which could affect future credit requests on my part - simply because Citi precipitously cancelled my account. Further, I find it patently unfair that Citi cancelled my account, although I have never missed or been late on a payment to them, without some sort of warning. 
I will never use Citi again - for anything - but I find their policy as practiced on me to be anti-consumer and one they should be forced to change or at the least modify.
Consumer complaint received 2020-03-11
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: Convergent Resources, Inc. (TX)

Please also refer to complaint XXXX for previous information. 

I have sent requests to XXXX on XXXX, XX/XX/2019 and XX/XX/2019 and XX/XX/2019, asking they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX regarding this debt. In your response, CFPB wasnt able to forward it to the company for a response because the company is not in your complaint system. 

XXXX has sold this debt to Convergent Outsourcing, Inc. ( see attachment ) I have sent a letter to XXXX XXXX XXXX XXXX requesting they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX XXXX XXXX XXXX stating repayment terms.
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (OR)

Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (CA)

I received a letter from Paypal in XX/XX/2020 that they were having difficulty contacting me and there was approx 5k balance this acct. I never opened a paypal credit acct. I contacted them and advised that i have been fighting XXXX and a disabling XXXX  XXXX since 18 months ago. I filed a police report. I contacted the credit agencies and froze my credit. I filed a dispute and told them i have 2 home care aids and i wanted to know who the fraud investigator was because i received a letter today stating that i benefitted or participated in the purchases.This is not true. They said they would reopen the claim but They clearly did not investigate and now want me to pay the bill. I have XXXX XXXX, XXXX XXXX, and XXXX XXXX These people should do their job!
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.
Consumer complaint received 2020-03-04
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 (OH)

Agreed to complete 12 month payment program to get my account back into good standing without closing the account. Informed by numerous representatives that once I completed the program, my monthly payment would be reduced and my account would no longer be suspended and I would be able to use the card again. Informed by manager XXXX XXXX Id # XXXX on XX/XX/2020 that even though I completed the program, my account could be suspended indefinitely. Discover NEVER mentioned this information to me when I first enrolled in the program nor when I called in and asked about my account being reviewed and unsuspended in XX/XX/2020.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

Hi, I opened a new XXXX XXXX XXXXXXXX credit card in XX/XX/2022 and made my first purchase. As part of my purchase I received {$380.00} rewards in my 1st statement. 
I went to the XXXX XXXX  XXXX store in XX/XX/2022 and made a purchase of {$220.00} by using my rewards. The day after I checked my rewards balance it was showing as XXXX XXXX balance. I called customer service as I thought that it was a system error. They told me that rewards have to be used in one transaction and if I do not use it in one transaction, remaining balance is deleted. This was never communicated to me clearly neither I was applying to card in XX/XX/2022 or the day I was making a purchase in the store by using my rewards in XXXX. The sales clerk should have at least warned me about this. 
They told me that it is stated in terms and conditions. This has to be written as big as possible so customer can aware about this or at least store employees should inform customers about this. This is not fair! It is like a Scam! 
If I would have know this, I would not apply to this credit card. It is clearly a fraud!
Consumer complaint received 2022-04-04
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. (CA)

XXXX XXXX XXXX Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX****** XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (WA)

Central Portfolio Control , Inc. keeps attempting to contact someone with the same given name as me, but a different surname. I have told them numerous times that they have the wrong number and to stop calling and texting me. I had previously called a second time and threatened that I would report them for harassment if they didnt stop. I was informed that my number had been registered as a wrong number and I would not be contacted again, but I had called in response to yet another text from them. I am still getting texts for someone else.
Consumer complaint received 2022-12-24
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. (FL)

I have disputed this item since XX/XX/2022. They never responded or fixed this issue. Due to 15 USC 1681c-2 this issue need to be removed.
Consumer complaint received 2022-12-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (IN)

Received a loan with XXXX XXXX for a solar power system on my home that was sold and installed by XXXX XXXX XXXX, now known as XXXX XXXX. XXXX paid XXXX XXXX XXXX for the loan prior to the completion of installation. Since then my solar system is not fully operational and is not meeting the expectations that was agreed upon with XXXX XXXX XXXX. XXXX XXXX has filed bankruptcy and is not meeting the obligations in accordance to the agreement. I now have a system that is not operational and paying for a system with a normal electric bill in addition. I have requested a copy of the original loan applicaiton and all documents submitted to receive the approval for the loan. XXXX has failed to provide this documents and has stated via email that are not available. It is believed that XXXX XXXX falsely represented myself when completing the loan documents by stating my income was more then what i provided to secure the loan so they got the business. It has been noted by others this has been a common practice of XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (IL)

After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

Robo calls come in every day at least 4 times a day. I was only able to speak once with a representitive who told me more than 90 days ago that they will no longer call, but they still are and they still leave robocall voicemails telling me they are a collection agency. need it to stop.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi, I received the Bill of Credit card of Bank Of America On XX/XX/XXXX, I have attached a copy of that email. I went to the brach of the bank of America on XX/XX/XXXX to pay off the total due, where according to statement and email my due date was XX/XX/XXXX, but at the branch, banker told me that account has been closed so they can not pullup information for my account and suggest me to call customer care so I called customer care to know the total due amount, customer care representative told the same amount which was in the earlier email, I asked him to tell the total amount including interest, fees, balance, and any other charges so representative told me final amount was {$6300.00} I asked representative again " will I receive any statement after doing this payment or do I have to pay anything other than the amount of {$6300.00}? '' Then the representative said after doing this payment you will not get any bill or statement because this is the final due amount and don't worry you don't have to pay anything after this payment. So, I paid the total due amount {$6300.00} on XX/XX/XXXX and after that, I received 1 more statement on XX/XX/XXXX with due of {$34.00} ( see attached file ). 

After receiving this email I get XXXX XXXX and I called customer care on XX/XX/XXXX where I spoke with supervisor name XXXX and I explained and asked her why I get charged again & for what? so she accepts the mistake of the previous representative with whom I spoke on XXXX of XXXX, XXXX while doing payment, and after accepting mistake she registered complaint and gave me this tracking number XXXX but she told that I will not get reversal of charges due to bank policy. 

so that is the reason why I am writing this complaint here.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX****** XXXX