davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AR)

Got letter today from IC System stating I owe XXXX XXXX {$700.00}. I have never had an account with them. If you go back through your files you will see I have filed a complaint about this going back to XXXX. This is the 3rd or 4th debt collection agency that this has been shuffled off to. Each time dispute this I win. I have spoken to XXXX   about this in XX/XX/XXXX speaking to them to send me a copy of a signed contract and copy of my ID proving this. I have the email if you need them proving I spoke to XXXX XXXX. I have proof I lived at XXXX XXXX. XXXX and you can find me under the bankruptcy website showing you the XXXX XXXX address I lived at and there is a news article in the XXXX XXXX XXXX where my apartment was burned. I made the front page. I had an XXXX  satellite at that time of the fire. If this was my debt all I would have had to do is file it under my bankruptcy I filed after my apartment building burned. XXXX never bothered me again until today well the new collection company this debt has been sold to rather. So I am reaching out to your agency again. This is not my debt, please help me out again. Thanks
Consumer complaint received 2015-05-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Duvera Billing Services, LLC (WA)

I got a loan paid it off, and now the company will not close the account and wo n't talk to me. They cont. to tell me that they will look into it and call me back this has be going on for a month now and I cont. to call and they cont. to tell me the same story. They have been reporting to my credit report an amount that is incorrect and they up it in an amount XXXX month and not another, when I ask them about it they say theres nothing they can do.
Consumer complaint received 2019-06-19
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. (OH)

I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX/XXXX # XXXX XXXX/XXXX   XXXX  # XXXX XXXX/XXXX # XXXX XXXX   XXXX XXXX # XXXX The only information sent was account was verified that comes through XXXX-XXXX  system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (RI)

I am writing about an issue I have had with Comenity Bank. I have a Victoria Secret, Ulta, Express , & New York & Company card with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is Victoria Secret. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was XXXX and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!
Consumer complaint received 2019-06-19
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. (OH)

I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX/XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.
Consumer complaint received 2022-09-03
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. (NJ)

I filed a dispute XX/XX/22 in regards to the incorrect items on my credit report. I sent a followup letter, it has been over 30 days and i have not received any investigation results.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I kept receiving calls from XXXX XXXX Stating I owe them for a credit card that was removed from my credit report. They stated that I still owe {$3000.00} and some to them. In requested for the original paperwork from HSBC and they told me I had To contact HSBC directly to get original paperwork that was signed off to XXXX XXXX. I then told them that I was looking to buy a car in the next year and they suggested that they arent saying it will be reported to my credit report but without a payment plan set they cant guarantee they wont report it.
Consumer complaint received 2023-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide.

1. Validation of the debt that is, the actual accounting.

2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX Account number XXXX Date opened. XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Original creditor : XXXX Balance {$1200.00} Account numberXXXX Kind Regards XXXX XXXX
Consumer complaint received 2019-06-20
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. (FL)

AFTER REVIEWING MY CREDIT REPORT. I FOUND SOME INACCURATE INFORMATION THAT IS A VIOLATION OF THE FCRA FROM XXXX, EQUIFAX AND XXXX. 

ADDRESSES THAT ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- NOT MINE XXXX XXXX XXXX XXXX  XXXX  XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL 3XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXNOT MINE XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, GA XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX  XXXX  XXXX XXXX, FL XXXXNOT MINE PHONE NUMBERS THAT DOES NOT BELONG TO ME- ( 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 THESE NUMBERS ARE NOT MINE SSN THAT ARE NOT MINE- XXXX XXXX XXXX PUBLIC RECORDS THAT ARE NOT MINE Record Type Chapter XXXX bankruptcy Reference Number XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (VA)

Diversified Consultants keeps calling me. They say they are calling on behalf of XXXX. I haven't done any business with XXXX EVER. They have called at least 6 times and they demand that I tell them my Social Security number. I have told them EVERY SINGLE time they have the wrong person and to leave me alone. They have refused to leave me alone. They are an abusive and corrupt company. They should be fined and imprisoned. It is not acceptable to call random people out of the phone book and demand personal information OVER AND OVER.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (CA)

J G Wentworth missed my closing date by 5 days. I was finally informed that Wentworth did not service land lease properties, even though they knew from the beginning as stated on the purchase agreement, that the condo was on corporate leased land. That was the ONLY reason they gave. Escrow by this time was in it's fourth week, fees paid, deposits, inspectors, title and realtors, spending unbelievable amounts of time on the process. Leased land properties are very common in southern California and Wentworth cost everyone concerned thousands of dollars in time and money. This was through XXXX XXXX, executive membership program. Incidentally, recommended by Wentworth broker.
Consumer complaint received 2019-06-20
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)

XXXX XXXX card Company must have change name to XXXX XXXX Date open XX/XX/XXXX Amount XXXX fraudulent account identity theft unknown person open account using stolen identity to obtain credit card account in my name account was supposed to be deleted back in XX/XX/XXXX from XXXX XXXX attached is letter stating XXXX will delete account because it's a fraudulent account
Consumer complaint received 2021-06-10
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: CBC Companies, Inc. (LA)

I requested my consumer files from Innovis and the information they contain has to be deleted. Innovis has not been given written consent to contain any files or information on the consumer pursuant 15 usc 1681b ( 2 ). I demand to opt out and I demand any and all information this credit reporting agency has on me to be deleted. Thanks
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TX)

I received my Credit card statement from BarClay Credit with the following information : Ending balance as of XXXX : $ XXXX/received payment on XXXX of {$210.00}. The remaining balance is noted as {$7100.00}. My Interest rate is 24.40 % APR. Based on Barclay customer service agent on XXXX phone call, the formula to calculate how much interest is due for the next bill would be {$7100.00} x 0.2124 =1525.58424 which then is divided by 365 days ( 4.17968285 ) and multiplied by 30 days in the current cycle bill for a total of 125.39 ( interest ), however my bill notes my statement notes they are calculating the interest of {$7400.00}. I asked where they got the XXXX from as this number does not match my previous ending balance or my current balance. The customer service agent noted they round up in their calculations, however I went step by step and asked him to tell me where they rounded up so I could add this my calculations. The customer service agent could not provide an accurate response and he himself could not explain why where the {$7400.00} amount was derived to calculate by interest rate. This amount is even higher than my ending balance on XXXX or my balance after my payment. I have not paid a single purchase during the period of time.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau files.XXXX XXXX is the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.
Consumer complaint received 2019-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
CapitalOne is playing with my score. 
I should not be penalized for using my card within the same cycle.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX, I used PayPal to pay for several purchases. I got a bill from PayPal Credit.
My PayPal account is backed by a VIsa credit card. I have always paid PayPal thru this credit card. That is the way I want it to STAY.
I called PayPal Credit. They have opened an account thru Synchrony Bank, IN MY NAME!!!!.
This was done WITHOUT my Knowledge or Approval!!!!!
I consider this FRAUD!!!!!
I closed the account with Synchrony Bank.
I saw online, That in XX/XX/XXXX PayPal PAID a XXXX XXXX FINE for doing this ILLEGAL ACTIVITY!!!!! THEY ARE STILL DOING IT!!!!!!!
P.S. I had to go online to find out who to complain to. I asked PayPal credit & Synchrony Bank. THEY WOULD NOT TELL ME!!!!!
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called and spoke with a representative on XX/XX/2024 and asked how long would it take for the account to reflect as paid on my credit report. The representative explained that it could take up to 90 days to reflect and that is not acceptable. I paid this account in full on XX/XX/2024. The representative did put in a request on my behalf to get a letter head stating the account was paid in full. However, the credit bureaus wont update the account until the company sends in the update.
Consumer complaint received 2017-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I have a checking account with CHase Bank and i have several direct deposits, on  XXXX   XXXX   2017  they charged me {$68.00} for iNSUFFICIENT FUNDS FEE for  XXXX  checks in total both for {$50.00} and they did it just in the same day and some minutes before  one of my direct deposit enter. when they applied the first fee was for - {$3.00} and and the same they did in 3 weeks before. that mean they charged me in total {$100.00} for fee for some minutes before of my direct deposit in less of one month. This Bank Chase never help its customer, They just care about profiting from their c ustomers.
Consumer complaint received 2017-05-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION (TN)

I have a loan with Regions which is due on the  XXXX  of the month. I do not receive my SS check until after the  XXXX  which is within the  10-day grace  period. I have never had to pay a late charge on this loan and do n't intend to in the future! However, the bank calls continuously beginning after the  XXXX , sometimes  4-5 times a day. I received two  yesterday while I was sitting at the doctor 's office. I am requesting that the calls cease now! Again, I 've always paid the monthly amount within the proper time and within the 10-day grace period.
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd. (TX)

This company is calling incessantly at which most times I do not answer. I did finally answer a call on XX/XX/XXXX or XX/XX/XXXX only to discover they were looking for my deceased EX-husband whom I divorced in XXXX. They asked if I knew who the executor of his estate is, to which I responded " NO ''. I told them to put me on their " do not call list '' and do not call me again. Then again today ( XX/XX/XXXX ) I received another call, different CSR, and told them I had already addressed the issue and AGAIN, do not call me again and put me on your " Do not call list ''. These people will not give up! I have had no contact with my ex-husband in over 27 years. They need to leave me alone!
Consumer complaint received 2020-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

I checked my credit and saw two accounts from PHOENIX FINANCIAL SERV for XXXX XXXX XXXX  XXXX XXXX in the amount of {$750.00} and for XXXX XXXX XXXX XXXX PA in the amount of {$740.00}. 

I had no prior knowledge of these debts and was never contacted by the collections company or the medical facility. 

I made both facilities aware that I was homeless and unemployed at the time of service and needed financial assistance. 

These debts reported are a violation of my HIPAA rights as I did not receive any care from Phoenix Financial Services. The moment they accessed my records without a consent was the moment theyre violated my rights. 

I also checked with XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and not locate a business Registration or status of activity for the company based in IN to do any business here. Therefore they are operating illegally.