davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed numerous accounts and a bankruptcy with XXXX on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with Transunion, XXXX, and XXXX on XXXX. An investigation supposedly done and nothing changed. I even called transunion and XXXX. I spoke to XXXX XXXX a supervisor from transunion which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called XXXX and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies. 
According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible purpose.
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: EQUIFAX, INC. (PA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items deleted in my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, Transunion, and XXXX are reporting that I do not have a credit profile. I have sent documents in XXXX with proof of identity and still receive the same outcome. Please advise these bureaus to update my information showing correct and up to date scores and information as it is affecting my livelihood.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received a targeted flyer in XXXX XXXX to open a checking account with a {$200.00} promotional cash offer, which will be awarded within 30 calendar days of meeting the required activities. The required activities were XXXX ) making a minimum of 2 direct deposits within 60 days of account opening, XXXX ) the total amount of direct deposits must be a minimum of {$1500.00}, XXXX ) the account must be kept open for XXXX calendar days after the {$200.00} credit has been awarded, otherwise CitiBank , N.A . has the right to redeem a portion of the {$200.00} credit. The flyer was sent to me via mail and the deadline to open the account was XX/XX/XXXX. I opened the account on XX/XX/XXXX online at approximately XXXX XXXX  and received and email at XXXX XXXX, which stated my account has been opened. 

On XX/XX/XXXX, I called the customer service number to : XXXX ) confirm that the account has been opened with the promotional code, XXXX ) confirmed the eligibility requirements in order to obtain the {$200.00} promotional cash offer, and XXXX ) that the customer service representative notated it in their records that I indeed created the account with the promotional code. 

On XX/XX/XXXX, I called the customer service number and inquired about the promotion, since I fulfilled the requirements in XX/XX/XXXX. Therefore, I should have been awarded the {$200.00} promotional cash offer within 30 calendar days, which would be in XX/XX/XXXX. The representative said that they checked with their account opening department twice and there was no promotional code applied to the account. They said if I was able to find the promotional code, then they would be able to apply the code and honor the {$200.00} cash offer. 

In XXXX my regret, I did not take a photo or keep a record of the promotion.
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: AFNI INC. (IL)

I submitted a dispute with XXXX on XX/XX/2023 and the dispute came back verified and accurate with no explanation of method of verification this debt does not belong to me and I am a victim of identity theft I have no knowledge of the account AFNI, INC. that is listed on my credit report.
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

Looking over my credit report with Equifax I notice two collections added to my report without my knowledge. XXXX XXXX XXXX XXXX placed XXXX  collections on my credit report first violating my rights as to allowing me to first validate it and second i never gave permission to have my medical record information released to a third party, so my HIPAA rights has been violated by both XXXX XXXX XXXX and Equifax.
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. National Credit Systems , Inc. is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.

15 U.S. Code 1692e - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2022-04-17
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Bank # XXXX, XXXX XXXX XXXX Bank # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX  Bank # XXXX XXXX XXXX bank # XXXX XXXX XXXX XXXX Bank # 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 an account without my written instructions
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (TX)

in XXXX i ended my service with XXXX. In XXXX they said and they being XXXX  i could pay XXXX per month cause i did not want to damage my credit. so in XXXX and XXXX and XXXX. XXXX took out XXXX per month on a bankdraft. Then last night i got a alert that XXXX  sent my credit in to bureau for XXXX. I called XXXX  and they said it was due to early termination nut i was a customer for 4 years then they told me that it was the people they use for collection called recievable maanagment that took the payments and set up arrangment so i called them and they said they sent me a letter. They together have lied and made false claims i was trying to do the right thing and make payments and now they made up this claim about another fee which is not true. I am a XXXX  mother with XXXX XXXX  children i live on XXXX alone .They are scamming money from me after i already paid them my credit is ruined now and dropped XXXX poinst because of this and then they told me if i would start my service back with them it would go away. That is XXXX XXXX  thank you XXXX XXXX my XXXX  account number is XXXX and my Recievable performance account number is XXXX my phone number is XXXX
Consumer complaint received 2023-02-11
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. (IL)

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS- XXXX XXXX XXXX # XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Proff of Ownership
Consumer complaint received 2024-04-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (MI)

I received a prepaid Gift Card as a gift a little while ago and went to active and use it. 

The online activation system did not recognize my card and kept saying try again. I verified the card number and details to be correct during the many times I tried I clicked the need help link and filled out the form only to receive the message telling me to call the number on the card I called and entered the 16 digit card number as asked but when it prompted me to enter the 3 digit cvv code, it said I was having trouble entering the number and to try again which I did several times I finally dialed XXXX XXXX and reached a live representative She told me to go online and try which I explained to her that I did and it told me to call the number on the card She said sorry you need to fax your ssn ( why idk she couldnt explain ) my id and photos of the prepaid card She gave me a fax number and said wait 10 days and I might hear back So sketch! What a scam!
Consumer complaint received 2022-11-11
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CT)

I've been making my payments on time and applying additional principal to my payments. My principal applied to my payments had been going up why interest going down but my last payment, the principal decreased and interest rose. My monthly payment is XXXX and I originally was paying XXXX. I found out after doing this, they weren't applying the additional money to principal by just reducing my next month 's payment. So I called and they told me that I would have to call them and have the payment changed to reflect the additional principal to come out, which I did. Here how payments were applied. 

DATE ACTIVITY AMOUNT - XX/XX/XXXX Payment received. {$720.00} ( {$650.00} principal + {$67.00} interest ) XX/XX/XXXX XXXX {$60.00} XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XX/XX/XXXX Payment received. {$720.00} ( I made payment of {$800.00} ) ( {$550.00} principal + {$160.00} interest ) XX/XX/XXXX XXXX  {$73.00} As you can see, my XX/XX/XXXX had less principal applied and interest increased
Consumer complaint received 2024-04-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (GA)

I opened an auto loan with XXXX XXXX XXXX XXXX  in the amount of XXXX that was the original loan. It was closed. It has come to my attention that an amount of {$27000.00} was charged off in connection with this loan, which was duly updated in XXXX. 

However, I am currently being pursued by NCB MANAGEMENT SERVICES INC. regarding an outstanding balance of {$10000.00}, which appears to be associated with the aforementioned auto loan. This figure is substantially higher than the previously recorded charge-off amount. I havent received any information on this XXXX from this company since XXXX.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2019 I did not receive my billing statement because it was sent to the wrong address. 

When I became aware of this in XX/XX/2019, I called customer service and they agreed to remove the late fee - but only as a reduction in the total account balance. 

My normal payment is {$44.00} - they were requiring {$85.00} in order to bring my account current. 

This effectively doubled my payment and put me outside of my monthly household budget. It is wrong to require a payment of a late fee up front that they admit was due to an error on their part. 

Since I was unable to pay this erroneous fee, I have been hit with more late fees. I have continued to make my {$44.00} payment every month, however, the company will not consider my account current and the fees and minimum payment keeps growing. 

Please help.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

I had my credit pulled due to me attempting to purchase a home.XX/XX/XXXX Upon pulling my credit report I noticed an account from XXXX XXXX listed in the amount of XXXX. I contacted convergent and told them it was a fraudulent account. The representation advised me that the account had been verified over a year ago and that the debt was mine. I then spoke with a manager that advised me that I would need to pay the debt in full and there was nothing that he could do. Time and time again Convergent has refused to validate the debt as requested in writing. The first contact was in XX/XX/XXXX. I am a XXXX XXXX XXXX veteran and after serving this country I feel that I should at least be treated fairly and Convergent has not expressed any want to resolve this issue.
Consumer complaint received 2022-09-03
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. (AL)

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 XXXX XXXX I do not recognize nor consent to these inquiries
Consumer complaint received 2023-06-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

Called my wife 's work phone, said they were the law firm, MBA law, started asking for personal information and would not tell me what this matter was pertaining to. When I told them I would not be answering any questions until they told me what this was about, they got off the phone. These are unethical tactics and should be treated as such.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (TX)

After failure to receive any notification of an amount owed to XXXX XXXX for a parking violation and a written collections letter from Linebarger Goggan Blair & Sampson , LLP , I was told I could email a dispute to the collections company in attempts to reduce the amount owed. The email was sent to the collections company in XXXX of 2022. After no follow up from the collections company in regards to the dispute, a second notice letter was sent to me.
Consumer complaint received 2022-06-04
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. (MD)

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

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

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

15 USC 1666B : A creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

My mortgage was purchased from XXXX XXXX XXXX in XX/XX/XXXX. I received a letter at the end of XXXX my mortgage was sold to Specialized Loan Servicing LLC ( SLS ). I contacted SLS as I wanted to make a payment prior to XX/XX/XXXX. When I reached them, I was advised that I could not make a payment until the loan " Loaded '' on their system which would take a couple of weeks. I called back to make payment. The first payment was not accepted and called back again and made payment on XX/XX/XXXX. The payment was accepted and was told it was placed in a " holding place '' as the loan had still not loaded. The load was not loaded to the SLS system until XX/XX/XXXX. I made two additional payments, one on XX/XX/XXXX and one auto draft on XX/XX/XXXX. The XXXX payment posted for XXXX and the XXXX payment posted for XXXX. The XXXX payment was missing and listed as I was delinquent. I WAS NOT DELINQUENT. I called and was told it would take 30 days to correct my account for the payment that was placed in the holding place. I have called XXXX times, provided documentation from my bank statements of the evidence of payment via fax, and email. I also paid the home insurance that was delinquent by SLS on XX/XX/XXXX and I still have not received proper treatment or allocation of the payments. I have written the CEO XXXX XXXX without a response. At this point, I am at a loss as to how this organization is in business and what is happening with customers funds. I question the ethics of this organization as with over 14 years with XXXX XXXX XXXX I never had to call them.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There are several inquiries reflecting on my report that I did not authorize. 
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  In accordance with the Fair Credit Reporting Act XXXX accounts Transunion has violated my rights. 
15 U.S.C 1681Section 602 .A. States I have the right to privacy. 15 U.S.C 1681 Section 604. A Section 2 : It also states that Transunion a consumer reporting agency can not furnish a account without my written instructions and or consent.