davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I paid my monthly student loan payment to XXXX on XX/XX/21. I paid {$120.00} monthly payment balance us postal service receipt number XXXX. XXXX has marked my credit as missed payment after making my payment. I also sent a copy of my payment to transunion.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I opened my account with Care Credit/Synchhrony in XX/XX/XXXX. I used it to cover the cost of XXXX  I had the following month. I was given a brochure at my doctor 's office and applied on-line. It was as easy as could be. I applied for a line of credit totaling $ XXXX and to my surprise, I was notified immediately, after hitting send that I was approved. A credit card was later sent to my home. I was never required to talk to anyone from Care Credit at all. I enrolled in paperless billing and every month I received a notification that my bill was due. I paid the amount requested each and every month on time. I got my balance down to just over $ 10K, but this month, I got a notification, as I always did, but the current balance was back up over $ 12K. I called to inquire. The IVR is terrible and it takes forever to get to a representative. Even when you say representative, the IVR asks to describe why. When I would say something, the IVR would say that it wasn't enough information ... .terrible! I got a representative who advised that the two promotional periods on my account had expired without me paying the full amount owed, so all the deferred interest was added on. I had no idea what she was talking about. She stated that my doctor should've explained it to me. It is completely ABSURD that a healthcare provider would be required to go over any financing conditions with their patients, when the financing is with CareCredit, not the doctor. This is Care Credit 's responsibility, as I am entering into a contract with THEM!! I called the next day and spoke to a supervisor. I offered to pay the balance in full, if they took off the deferred interest, but she said there was nothing she could do. I did end up doing just that - paid $ XXXX last week. I found that XXXX Care Credit was ordered to pay {$34.00} XXXX back to customers for deceptive practices and the terms of that lawsuit back in XXXX. It states that any line of credit more than $ 1K, requires a Care Credit representative to talk to the consumer. A $ XXXX line of credit granted immediately on-line! Too good to be true! I never got any reminders or any notifications that the promotional periods were ending. NOTHING!! Again, I enrolled in paperless billing and listed on the email was current balance, minimum amount due and due date. There should be something in RED on that notice about the promotional period ending. It is deceptive and unfair. I am an accountable person, but this is sneaky business. I am requesting that the deferred interest be removed from my account. 

Thank you!
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received a call from supposed debt collector law firm XXXX XXXX and XXXX ( XXXX ), and a very aggressive man who said his name was XXXX XXXX called threatening me about an account I had from Fifth Third Bank in 2009. It claims to be a law firm handling an account that was delinquent over XXXX years ago. He stated my social security number, as well as the person who I opened the account with, and offered to settle the debt for a lower amount. I am in the process of making a large purchase and was afraid this was negatively impact my credit, but after taking the call, I realized how much was wrong with the call, including the fact that I paid the debt years ago. The documents sent over are fraudulent, the website is fraudulent, and now when I try to call back, no one answers.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit report shows that no payments were made for the month of XXXX and XXXX. I have proof of making the payments except there was a XXXX  which I consider a predatory loan practice. 

I was behind on a payment for the mouth of XXXX and was offered a hardship plan which I signed up for. 
Original loan payments are {$860.00} Under hardship plan automatically offered online, the loan payments were set to reduce to {$430.00} for next 3 months. I accepted the plan with payment date being XXXX of each month with payments starting in XXXX. 

These are the following payments I made : XX/XX/XXXX - {$870.00} ( even though {$430.00} was due ) In XXXX I was unable to make payment, & then when I signed back into my account to catch up the total due amount showed now overnight was {$2100.00} and a note saying the account is more than 60 days past due even though a payment was made in XXXX per Hardship plan agreement. 
I made a payment on XX/XX/XXXX of {$2100.00}. 

XXXX XXXX said it was part of thier hardship contract where if you miss a payment on hardship plan a ) they can pretend that they never received any payments from the time you sign hardship contract even though a payment was made in XXXX and account was current. 
B ) the atrocious amount due overnight of {$2100.00}. I have no clue how the payment for XX/XX/XXXX due {$430.00} XXXX to {$2100.00} after XXXX missed payment. I consider this predatory loan practice. Not only does my credit show no payment was made in XXXX, when clearly a payment was made on XX/XX/XXXX ( due XXXX XXXX ) to XX/XX/XXXX the account was less than 60 days past due. 

Why does my credit report show no payments?
Consumer complaint received 2020-07-29
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. (CA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$110.00}
Consumer complaint received 2018-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I was put in collection around XX/XX/2017, by XXXX XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please  see attached proof from the lawyers and court.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second attempt ( first attempt XX/XX/2018 ) at resolving this matter in a recent complaint the company responded saying they have not reported to any major credit bureaus when indeed this account is located on all three of my consumer credit reports as a debt collection. This account has not be validated nor has it been brought to my attention I have not had any correspondence with either of the companies for which this debt is supposedly coming from. Along wit the credit bureaus that are reporting information that has not been validated with a contract or a bill or my signature. Under the FCRA all debt and collections must be validated in writing and the company has done neither but put this bad debt on consumer credit file. This is my second attempt XX/XX/2018 to have this matter resolved.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Hello I have been a citizen bank customer for three years, I enjoy most of my business and I can book with this company from a wide range of locations in my area or there Saturday hours are there reason why they had kept my business this far. But on Saturday XX/XX/2018 I make to wireless Deposits from my supplemental income or XXXX in the amount XXXX with my direct deposit from my employer after a few withdrawals I had XXXX I deposit the money into my account before XXXX  because I had problems previous about deposits not going into my account because they update there systems. I made sure my deposit was complete and was added to my account by logging in to the mobile app after checking my balance I rest assure that all my funds were in my account. But the next morning on Saturday XX/XX/XXXXmy account was about hundred dollars off I thought I missed Calculated What are spend. And we just keep an eye on my account I even transferred any money that was for bills and select second checking account so I knew what I was spending on Monday I seen all of my withdrawals were Set up and nothing was pending or on hold so I transfer my money back into my count as well as made a {$360.00} deposit cash the ATM but again the next morning my account Was lower than expected but the posit that I had made less than 24 hours  ago had a balance of {$100.00} lower than yesterday nothing was pending or should have been taken out of my account I waited for the banks are open I want to live in citizen bank on XXXX and XXXX XXXX XXXX I was humiliated made to look like a liar or a fool They tried to convince me that I spit something or something was still pending and was talking out of my account I try to explain to him that I had set the mobile app as well as my balance and what was in my account did not reflect the deposit that I made yesterday I asked for answers no one could give me any. I can home call the XXXX number and went over the Conversation once again the Agent could not explain to me where my money went I even spoke to a manager I try to explain that the mobile app it will show what has been withdrawn And the balance will reflect it but theres no purchases Or anything on hold Infacted I only made a mobile deposit in the last 24 hours they told me the could see any withdrawals so the only possible answer is the app was wrong about my balance
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

I deposited {$50.00} with Coinbase. I made {$38.00} in transactions. There should be {$11.00} left in my account from this deposit. My balance is {$0.00} USDC. 

Further, the balances detail on Coinbase says I have {$17.00} available. If you add up the assets, the total value is not {$36.00}. The balances of each asset ads up to {$19.00}. 

They ghosted my money and they are absolutely NO HELP in retrieving it. I did not send USDS to anyone. I deposited money, used the Coinbase card for 2 transactions, and withdraw {$13.00}. Thats it.

I want my money back.
Consumer complaint received 2022-07-25
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. (GA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # 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 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I'm really frustrated in trying to resolve this matter with Capital one, I requested statements from them since they are reporting several lates and I wanted to see when these payments were posted since I feel I was always on time with my payments. 
My first request was with the bureaus on XX/XX/2017 I got a response from capital one XX/XX/2017 which I will provide attached. Again I sent in a request to the bureaus several times following that time to which I got the same or similar responses. I provided all the information they would need to look me up. I feel like the responses are just trying to avoid responding.
Consumer complaint received 2019-01-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Enterprise Systems, Inc. (NY)

On XX/XX/2019, XXXX XXXX a department head at National Enterprise Systems contacted our daughter on her personal cell phone about a debt her father and I owe. Our daughter is not a guarantor or contact on any of our financial accounts. She is a student. I called Mr. XXXX directly, informed him I was going to file a complaint with the CFPB and that he should delete my daughter 's contact information from our file.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I have tried and been lied to about my student loans, I have not worked since XXXX till now, we did our XXXX income tax and the XXXX XXXX XXXX XXXX took our federal refund ... .I have never been told or received any information on them taking anything ... They took it from my husband we have the form to get it back. Also we received a letter from Navient post claim assistance and XXXX on XXXX XXXX, they have stated they can take all m XXXX, I am n had health, so they said there going to take my husbands, even though I have spoke over phone, wrote to them he never signed or told anyone he would cosign for me. They were told, also this company is not the only one, I Sent money for a year because it i would for one year Navient and XXXX would send me all paperwork to get into the program to be free of all student loans. Ok, after that FTC sent me a check from XXXX and then XXXX University sent me two separate mailers that were notarize from state that they XXXX University paid all my student loans.I am tired Sallie Mae, Navient and many other companies, I with different amounts they say I owe. I do not owe, listen don't just do this for me, do it for all the others they need to get off this roller coaster, I will, i had a XXXX XXXX on the XXXX of this month, so maybe not much longer.
Consumer complaint received 2022-07-25
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. (IL)

On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2020-02-03
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: DISCOVER BANK (CA)

I AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER BANK IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. NUMEROUS TIMES I HAVE REACHED OUT TO THIS BANK AND TOLD THEM THAT THIS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. DISCOVER NEEDS TO UNDERSTAND THAT THIS IS A FRAUDULENT ACCOUNT, WHY SHOULD I BE PUNISHED BECAUSE SOMEONE FRAUDULENTLY OPENED THIS ACCOUNT, AND NOW I AM BEING PUNISHED.
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (IL)

On Tuesday, XX/XX/2018 at XXXX I was contacted by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic. 

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.
Consumer complaint received 2022-02-08
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. (LA)

I been contacting XXXX experian & XXXX every since mad credit card company removed a mistake of a late payment keep calling all XXXX and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all XXXX companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark
Consumer complaint received 2018-05-08
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. (RI)

The problem does involve my name ... My my name is also being changed on this report. my social security number is being attacked by equifax and i have been trying everything possible including making phone calls to them and sending documents to clear this up. My next move if this doesnt work is to contact a lawyer.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ XXXX  Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last paymentXX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks
Consumer complaint received 2018-08-28
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: Experian Information Solutions Inc. (GA)

XXXX phone call was made I spoke with 3 different agents then they hung up. XXXX spoke with two agents that both said they transferring me to a special unit, however no one came and they hung up. XXXX I called again and spoke with 2 agents held on for 30 minutes they picked up asked my information dob ss address then said its two special units they have to transfer me the other
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was surprised when reviewing my credit report and found a late payment on the date : A 30 day late as of XX/XX/2017. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions