davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (MD)

There is a FRAUDULENT item on my credit report ( XXXX  XXXX XXXX ). I DO NOT have any idea regarding these fraudulent account on my credit report. I'm reaching out regarding this FRAUDULENT item and for assistance to REMOVE it from my credit report immediately. This accounts is NOT MINE.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (GA)

OnXX/XX/2020 I made my payment of XXXX, statement XXXX and asked the XXXX yo close my ac. My pymt conf email however came to me on the XXXX but said in the body that my internet connection was on XX/XX/2020. I called about it. It affected my credit because I closed the ac. The bank however sent two more statements saying I owed and kept reporting on my credit affecting my credit of course. 
They then changed the closed ac to an ac with a cr limit and a lower amt they wanted me to pay. 
I paid the amt today to get them to go away. Will they now close the account AGAIN TO report a 2nd time to the credit bureaus? Can an account be closed twice because the bank is evil? I did not owe the amount I paid today of $ {$14.00}. But they kept generating amts and putting fictional cr limits to my name. I do not have a card since XX/XX/2020 Why is this bank doing this? Can they reopen a closed account and put a cr limit on it without my permission?
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

XXXX - consumer collection service alleged {$86.00} Experian- consumer collection service for alleged {$86.00} ; alleged {$820.00}XX/XX/XXXX- XXXX collection service for alleged {$86.00}
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

In XX/XX/2018 my account was closed due to fraudulent charges. I was told to send a copy of my ID and a copy of a bill to prove address. 

I sent it for 4 months straight and I was told that once received they would send me a new credit card and reopen my account. But that didn't happen and now they sent my account to collections. They also reported to credit bureau and it has brought down my score. I was in good standing therefore, my account should have been handled correctly. 

I also lost my reward points that was about XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (MI)

I got an alert from XXXX. It showed a collection had been added to my credit report. I called immediately. I have never received communication from this Company to have the opportunity to resolve it before it hit my credit report. 
I called and the Lady asked if I lived in Missouri. I have never lived in Missouri in the past 40 years. She said she couldn't release any information. I want this removed from credit report. It affects my car insurance rates and everything in my life. This is DISGUSTING.
Consumer complaint received 2023-03-01
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: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!
Consumer complaint received 2020-06-10
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: CommonBond, Inc. (CA)

I applied for a student loan refinance with Commonbond ( commonbond.co ) on XX/XX/2020 in the amount of {$25000.00}. When they did the soft pull on me, I was offered a 5 year variable rate loan for 0.8 % APR. I opted to select that loan option and submitted documents verifying my Id, Income as well as my loan statement from my current financial institution. At this point in time, I also agreed to a hard credit pull given the rate was 0.81 % ( variable ) which was better than the 1.95 % APR loan I have with XXXX XXXX XXXX. 

After I did not hear from the company for a while, I contacted them again at which point in time they told me that the rate has increased to 4.26 %. I have been able to provide proof for the income I had stated in my application as well as any ID documentation they needed. This is purely bait and switch. I would never have accepted a 4.26 % APR to begin with as my current APR on my loan is 1.95 %. These practices are deceptive and in my opinion against UDAAP. Now, not only do I not have the lower rate, there is also a hard credit pull on my bureau which I would never have had if CommonBond had fairly disclosed their rates after the soft credit pull. I have screenshots to prove the rate offered to me. 

Very disappointed in the unfair and deceptive practices that CommonBond is following, and at the same time this is classic bait and switch. I hope you take actions against this company. 

Thanks!
Consumer complaint received 2020-01-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There is a delinquent account showing on my company 's credit profile ( XXXX XXXX XXXX, XXXX. ) that does not belong to us. The account is from XXXX. XXXX.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TX)

In XX/XX/XXXX I set up automatic payments on my new home mortgage. My first payment was due XX/XX/XXXX. I checked the website on XX/XX/XXXX and my payment was still listed as unpaid. There was no record on the website of an automatic payment being in effect or of any pending payment, so to avoid being overdue, I manually submitted an automatic payment. However, my payment was then drafted twice, which over-drafted my checking account. 

I contacted the company 3 times by secure message on their website asking to have the extra payment reversed or to be compensated with interest and received no reply for over a week. I also contacted the call center multiple times. Each time, I was unable to speak with a representative. The automated system kept me on hold for several minutes and then directed me to leave a voicemail so that my call could be returned. Each time, my call was never returned ( even a month later ). 

When I finally did receive a response to my written complaint submitted via the website, the company refused to take any corrective action, claiming that I have received a confirmation that auto-pay was in effect. This is true, however, as I stated previously, there was later no way to verify that the automatic payment was still in effect or that any payment was pending via the website even after the due date for my first payment. 

I decided at this point to just give up and assumed the financial loss they caused me ( lost interest and investment gains on funds ) was not worth the effort of fighting further. 

However, on XX/XX/XXXX, despite this payment already being paid in XXXX, my payment was auto drafted again. Therefore I am now out {$1400.00} for a second consecutive month. Furthermore, I do not know how to correct this going forward and the company is nearly impossible to work with.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MO)

On XX/XX/2019 I sent a dispute letter to the collection agency known as National Credit Systems disputing the alleged account and requesting for account level documentation about the debt to be sent to me via mail. I also sent my dispute via certified mailing. I did not hear or receive anything from the agency until XX/XX/2019. In which they sent a settlement offer but never fulfilled my request for verification of such debt. I then proceeded to send another dispute via certified mailing on XX/XX/2019 stating that the agency did not send me any verification of debt to continued to attempt to collect on the debt via phone and mail. They then sent me an old rental agreement but never stating the break down of the bill on XXXX XXXX. I then even contacted National Credit Systems via phone call in XXXX for them to continue to give me the run around and continuously attempt to collect on the alleged account. 

This has been a struggle for going on a year and they agency has failed to allow me to exercise my rights as a consumer. They have violated the FDCPA ( Fair Debt Collections Practices Act ) and the FCRA ( Fair Credit Reporting Act ). 

I am requesting that this agency National Credit Systems to immediately remove this account from my consumer credit reports as well as stop attempting to collect on this alleged debt due to these unlined violations. I have consulted with an attorney and they requested that I take this route to get this issue addressed but if not addressed and resolved I will be seeking legal actions. So I am demanding that this agency does what's right and we can end this soon. Thank you so much for your understanding and willingness to resolve this unforeseen matter!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

My information was sold and illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

I requested a payoff balance for my primary residence last month. The payoff was only {$1900.00} if paid before XX/XX/XXXX. I paid {$1900.00} on or before XX/XX/XXXX, {$4.00} extra to make sure I had an extra balance incase the interest was off a little bit. 
The loan servicing company applied {$1400.00} to the principal and {$520.00} was put in an escrow account. Next payment was due in XXXX? 
I called and emailed numerous times, the customer service manager did not let me speak and was very rude. Know my balance is {$87000.00} when I should be XXXX. 
Nobody at the Loan servicing company has given me any answers
Consumer complaint received 2023-06-28
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. (MO)

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, 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. 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 2020-06-10
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$240.00}
Consumer complaint received 2020-06-10
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$240.00}
Consumer complaint received 2020-01-03
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (VA)

My complaint is with BB & T Bank. 
I understand that overdraft fees has to be applied to your account when the bank pays for a transaction because of low funds. 

My question is why do they have to apply {$36.00} dollars for every seven days your account is in a negative status. 

I can recall XXXX XXXX XXXXXXXX getting sued for excessive overdrafts and had to pay out millions of dollars back to their customers.
Consumer complaint received 2020-01-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: R.M. Galicia, Inc. (CA)

Please find attached. Do not communicate by telephone with me I am represented by an attorney. No lawsuits have been filed as of yet. Theres a few issues with this debt and it's collection by PMS. 1. They contacted me on my cell phone using an automated pre-recorded message, which I did not consent to and was for non-emergency purposes ( TCPA ) 2. This debt is the subject of litigation against the original creditor and PMS is attempting to communicate after it is known I am represented by an attorney. Find attached letters, which is a violation of The Fair Debt Collections Practices Act. ( 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive )
Consumer complaint received 2020-01-03
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaacurately and incorrectly on my credit report. 
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any prroof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX, there was a Check Cash Advance in the amount of {$3500.00} that I did not authorize from my Bank of America XXXX XXXX Credit Card.Additionally , there was a Check - Transaction Fee and interest charged for this unauthorized transaction.On XXXX XXXX  I noticed this unauthorized transaction when I saw the electronic statement.I notified Bank of America XXXX XX/XX/XXXX of this unauthorized transaction and disputed this transaction.On XXXX XXXX  I filed a police report with the New York Police Department XXXX XXXX XXXX Case # XXXX ) of this situation.The police detective XXXX advised me to call BofA to gather more information on this transaction, i.e. who the Check Cash Advance was made out to.BofA refused to share any information with me and has notified me that my fraud claim has been denied via a recent phonecall and to wait for the written denial via mail. 

On XXXX, I received a letter from Bank of America though the mail. they denied my claim because : the merchant provided receipt ( s ) with a signature that appears to match mine. at the same day, I called the Fraud department request copies of the documents they used to make decision and reopen the case. However until XXXX, XXXX XXXX  still not received these documents. 

On XXXX I called the Fraud department again, one suervisor finally gave me the information of the this check made out to. I shared this information to XXXX XXXX though the email today. 

Even though this case under the research, but the Bank of America email me the statement {$3500.00} plus interest.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (SC)

I am unaware of the debt in reference, I have not had a loan or contact with either company referenced in the threatening email that they sent. They have contacted me multiple times, usually via phone, making the same threats to me.
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (NC)

I seen this company on my credit report XXXX/XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Consumer complaint received 2023-06-28
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. (TX)

You responded to complaint XXXX and stated that the company verified the account. I have attached my most recent dispute letter that was sent to the company which is dated and time stamped. Please provide what the company submitted as proof for this account because I was never sent any information. I am demanding that this account be removed from my credit report until an investigation is done and the company has responded to my dispute.