davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that XXXX  are not hindering records when I sent a copy of the FTC XXXX. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful  response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of XXXX, I will hand XXXX XXXX over to my lawyer to begin a legitimate activity. It's XXXX  goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (AZ)

On XX/XX/2013 I went into XXXX XXXX XXXX hospital after receiving a XXXX XXXX XXXX XXXX. I went in and received approx XXXX  XXXX. I went to the counter to finish everything up and was asked for insurance. 

I had no insurance at the time and said I was paying out of pocket. The lady asked if I was a XXXX  and I said yes. She said XXXX  get a discount and I said ok cool. The total was {$420.00} and I paid it with my XXXX XXXX. I have the XXXX  transaction to prove that is what I was charged. 

Months later I received a collection totalling {$1200.00} from a collection agency. The hospital never sent me notifications. Why would a hospital do this? Is this common practice or a mistake? The point is that I paid for services on the date of the transaction yet received a collection for services never performed. 

This has been a nightmare and is not fair. Now Nation Wide Recovery Systems is after me for XXXX dollars and nobody seems to listen. Hopefully you guys can help.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I visited a Mattress Firm store and ordered a new mattress and adjustable base. The sales associate submitted a financing request to Synchrony Home and he advised that I was approved for {$1300.00}. My purchased was for {$2400.00} and Id be paying the remaining difference out of pocket. The difference would be paid prior to my delivery date of XXXX/XXXX/20. My purchase was delivered ; no issues. 

Around XX/XX/XXXX I received my first billing statement from Synchrony which reflected a balance of {$1300.00}, a credit limit of {$1200.00}, and minimum payment of {$47.00}. To my dismay, the statement reflected an OVER THE LIMIT amount of {$120.00}. Today, XX/XX/XXXX I called Synchrony and the representative, after she spoke to her supervisor, advised me that they will allow the store to push through a total higher than the approved credit limit. The ONLY resolution she had was for me to request a credit line increase. Never did the store advise that I was actually approved for only {$1200.00} BUT NEVER should Synchrony have allowed a pushed amount over and beyond the credit limit. I now risk an adverse action such as loss of credit score points due to this UNACCEPTABLE AND DECEITFUL PRACTICE. Of note, I immediately called the store and was advised that they are allowed to submit a purchase amount 10 % higher than the approved financed total XXXX {$1200.00} + 10 % = {$1300.00} ). Never should a company make decisions on your behalf & should ALWAYS obtain the consent of the customer prior to.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/2018 auto loan installment for Fifth Third Bank was a part of a deferred payment arrangements. However it was submitted to the credit reporting entities as a 30 day/missed payment Having filed a previous complain with both 5/3 Bank  and your Agency, the 'missed '' status was updated and corrected to " on time ''. However, as of the past two or months, I have noted that the XX/XX/2018 is again reporting missed and negatively impacting my credit score with all 3 Bureau.
Consumer complaint received 2023-05-11
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. (NV)

I AM TRYING TO BUY A HOUSE AND ITS DEFAMATION TO MY CHARACTER AND LIVELIHOOD. I HAVE ALREADY CONTACTED THE COMPANIES TO WHERE THE ACCOUNT WAS MADE, SENT LETTERS TO DISPUTE IN 2022. I HAVE REPORTED IDENTITY THEFT AS WELL AS REPORTED DATA BREACH.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On early XX/XX/2020 I requested my annual free credit reports from the three main credit bureaus. I received XXXX  and XXXX  shortly thereafter. When it came to my Equifax instead of getting my report I get a request for additional information. This appears to be the same tactic used last year. Why is it that one out of the three bureaus always seems to have some type of issue with providing a timely copy of someone's credit report. In there letter they state
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (GA)

I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. 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 , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union (MN)

Hi i was suppose to receive a {$100.00} Referral sign up Bonus for opening up the account with a referral please help with this thanks in advance. 

Referral used- https : //refer.firsttechfed.com/s/ankitar Terms - " Opens a qualifying checking account ( Carefree Checking, First Checking Plus, or Dividend Rewards Checking ) Deposits at least {$250.00} into the account within 30 days of opening and maintains at least a {$250.00} balance for 30 days from initial deposit First Tech will deposit the rewards into the Membership Savings Accounts of both parties within 30 days of the referred member meeting requirements. 

https : //www.firsttechfed.com/pages/refer-a-friend
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America prepaid debit card from the California EDD. I have been attempting to withdraw funds for my XXXX rent, however Bank of America has closed my card and frozen my account without giving any reason. I have been on hold for hours. I was told by one representative that EDD had shut down all cards and was redirected to contact EDD. After speaking with other people experiencing the same issue it appears that BOFA has frozen the accounts on their own and is offering no information or solutions to the general public.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I was offered a Victoria Secret credit card ( Comenity Bank ) on XX/XX/XXXX. I did only one purchase of {$10.00} with the card. I got the first PAPER statement which was due on XX/XX/XXXX. I made the payment on XXXX XXXX at night before XXXX XXXX  for the complete amount of {$10.00}. Late in XX/XX/XXXX I got a call from a collection company. The person on the phone told me I was on collection for not paying my Victoria Secret card. Thinking it was a fraud, I logged into my Victoria Secret Account to find out that I was certainty past due for the amount of {$56.00}. This were all late payments fees and interest fees on the late payments imposed to my account because according to them I paid late on XX/XX/XXXX. I called the credit card, the customer service representative explained that even though I paid the card on the due date XXXX XXXX my payment went through late on XXXX XXXX, because it was made after XXXX XXXX. Then they charged me late payments and interest on the late payments until they called me on XXXX. I never find out about this situation because the credit card send me no more paper statements. They said I was on paperless statements which I do not recall to have changed. Then all emails went to my spam folder. I asked for a waiver of the penalties and interest but they were reluctant. They never call me or send me another bill to me until I was more than 60 days late. Finally, I did not have other option that to paid the {$56.00} on XX/XX/XXXX ; but that was not enough for them. A late payment was reported on my credit history, the credit card appears as unpaid, and my credit score is down almost 90 points. This are the charges that appears on my account : XX/XX/XXXX {$10.00} ( original purchase ), XX/XX/XXXX {$10.00} Late Fee, XX/XX/XXXX {$10.00} Payment, XX/XX/XXXX {$2.00} Minimum Interest Charge XX/XX/XXXX {$12.00} Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$27.00} Late Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$56.00} Payment, I called the credit card three times, they are very rude and they not considered the customer at all, I explained them that I did not change my billing preference to paper statements and that I was a new customer. Nothing was important to them than to collect their money made on on late payments and interest fees, 100 % profit for the company. After I paid the bill and closed the credit card I got a paper statement with all the charges without me changing any billing preference.
Consumer complaint received 2023-02-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX Account # 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.
Consumer complaint received 2020-12-30
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)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

On Sunday, XX/XX/XXXX, I mailed a check in the amount of {$3900.00} as a payment for my local taxes. I included a Parcel Number on the check. Since it was Sunday I mailed it in the blue box outside the XXXX XXXX, PA post office. On XX/XX/XXXX, XXXX I received a letter from the XXXX XXXX. Tax collector, XXXX XXXX, informing me that my taxes had not been paid and I now owed the taxes and {$450.00} in penalties. 
I looked online at my checks and found that the PNC check XXXX had been altered, made payable to one " XXXX XXXX ' '' It was an obvious forgery. PNC cashed the check. 
On XX/XX/XXXX I visited the XXXX XXXX branch of PNC bank at XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone XXXX. Two of the bank employees took my information, made copies of my duplicate check and the forged check and assured me that money would be returned to me at some point in the future and that I would be informed regularly as to the progress of the " investigation. 
I do not know why I would be part of any " investigation. '' PNC took my money and gave it to a thief. I never heard anything from PNC. I called the Fraud Dept. in XXXX and they had nothing to report. On XX/XX/XXXX I visited the branch and they verified that nothing had been done so far. 
{$3900.00} is a lot of money and with the penalties I had to pay {$4400.00}. I have had to struggle over the last two months to pay my bill. I am not rich. I am a XXXX XXXX XXXX. PNC did not take care of my money. If PNC has to investigate their own ineptness ( a good idea ) they should do it on their own time. I think it is another crime for PNC to keep my money and give it back to me when they feel like it. They have plenty of money right now and I want my money right now.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a call today XX/XX/2020 at XXXX XXXX  PST from Midland Credit Management ( XXXX ) XXXX on my personal cell phone asking for my wife. I said this is her husband and the debt collector started divulging information from a debt that she previously owed to a different entity without proper verification of who I was or obtaining consent from the owner of the debt to discuss this information with me. When I asked to speak to a supervisor to explain that they were in violation of FDCPA he assured me that they were not. I explained to him that I am fully aware of the law as I have worked for consumer collections for over 20 years and he proceeded to dismiss it to be true and continued to ask me to resolve the debt. 

Since the company is in violation of the FDCPA I would like a full investigation and proceed with the fullest of penalties that are applicable to this agency and the original owner of the debt since they are responsible for vetting the collection agency that represents them.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must DELETE these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be DELETED for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (NY)

recently received a copy of my credit report and found that XXXX XXXX are illegally reporting inaccurate information about me The following alleged account is listed as a collection with a PAST DUE balance of XXXX after notifying this creditor of this alleged debt this creditor has reply that this debt has been verified as accurate Ive responded buy asking has what MOV ( method of validation ) was use for verification with no response This is a violation of the FCRA and is also in violation of reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report therefore any information that is not true, accurate and verifiable is required to be removed.
Consumer complaint received 2020-03-05
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. (GA)

I applied for a credit card and was not approved. There are still items on my credit that are not mine, XXXX XXXX XXXX XXXXXXXX XXXX. Please remove these from my credit.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My address is XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX Delete these Addresses. 
XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Kindly find attached my social security card and passport to proof identity.
Consumer complaint received 2023-02-05
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. (IN)

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 XXXXXXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX XXXX XXXX : XXXX TransUnion, XXXX XXXX and XXXX has failed to provide any proof of verification of disputed accounts.

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. States a consumer reporting agency can not furnish an 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, and other adverse items 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 2020-01-12
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. (MO)

My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX XXXX {$3100.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (NC)

This debt reported by Trident Asset Management is incorrect. Im currently dealing identity theft by an immediate family and have been working with authorities and original creditors to settle. I do not owe this company. Having this reported along with original has caused such a negative double impact on my score. As a result, I was unable to qualify for a first time home loan and I can barely qualify for an apartment. This should not be on my report.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

This complaint is in addition to the prior 2 complaints I have recently submitted. I just hung up with care credit/syncrony bank. I explained to them that I am very upset that they contacted the 3 credit reporting agency 's and it has caused my credit score to drop almost 54 points. I was told that I did not make the full minimum payment. I explained when I opened this card and made the 1 charge the minimum payment was {$160.00} Now my balance is {$1200.00} I am still making the {$160.00} per month payment. I explained the balance is no longer {$3500.00} so the minimum payment should be going down. Now they want {$240.00} for this month. I do not understand how the minimum payment keeps changing month to month. Besides that there is still a discrepency of {$510.00} that was charged fraudulently. They keep telling me it was credited back but when I calculate the one charge and deduct my payments the balance is wrong. ( interest free for 2 years ). I am very upset that they make up there own rules then go and report this account as delinquent. I have been through nothing but issues and problems for almost a year now with them. I am also told they can only look back so far ... ..how is that possible? They should be able to see the records from day 1. I can't get online either to view the past history and from them failing to send me statements for approx 4 months really messed this whole situation up. I am complaining because I want them to remove that delinquent remark back to positive. I make my payments on time and always make the {$160.00} if not more.There ruining my credit score.