davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (MO)

I opened a XXXX account approximately 10 years ago. XXXX 's agreement with their finance company expired so they re-opened an account on XX/XX/2022 which impacted my average age of my credit cards which then impacted my credit score as the age went from 10+ years opened to 6+ months opened. I tried to resolve with XXXX but they said they couldn't update the original credit open date. I closed my accounts with them but it still negatively impacted my credit score.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2021-11-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WV)

To whom it may concern, I attended West Virginia XXXX XXXX for a few months back in XXXX. I was struggling to make ends meet. I ended up having to work 2 jobs and go to school. I didnt have a stable support system then as I was just leaving you the XXXX XXXX XXXX. I feel like XXXX took advantage of my vulnerable situation and exploited my ignorance. I was only XXXX when I made the mistake of going to this private school. The school shut down years ago but Navient is still attempting to collect {$5000.00} from me for an education I never received. Please help me.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am a XXXX XXXX and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Thank you very much Delete from my report
Consumer complaint received 2021-11-18
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-08-24
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: Experian Information Solutions Inc. (MO)

I've reached out to all three credit bureaus ( XXXX, experian, and XXXX. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc. (PA)

Today is XX/XX/XXXX and I responding to communication from Financial Recoveries. In your last response you stated that a letter was sent to me on XX/XX/XXXX and XX/XX/XXXX. Please provide me with proof of this letter that was sent that I NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the original creditor XXXX XXXX, I have received a response that does NOT indicate or prove I approved this credit transaction with my social and ID. Second, please provide me with a HIPPA release form that has my signature stating I have granted Financial Recoveries to have any information about me allegedly being in or at XXXX XXXX. I would also like to see any medical documentation stating I have bill from XXXX XXXX. There is no law under FCRA or United State Constitution that states in order for a fraud account to be investigated, documentations are needed from myself ( which was stated in the last response ). I am well aware that I am the consumer as well as the original creditor in all credit card transactions and I am highly aware of my rights. This is my final demand for deletion of this account or I will move forward with legal action against Financial Recoveries for multiple violations.
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevMD Partners, LLC. (SC)

i have tried contacting XXXX XXXX numerous of times about false debts on my credit. these debts are affecting my credit and theses debts are not mine. they harrassed me and threated to put these debts on my credit even after explaining numerous of times these are inaccurate. They had a 3rd party to send me letters of balances and procedures that arent mine which i a violation of HIPPA as i did NOT give permission to give out any information.
Consumer complaint received 2021-07-22
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. (FL)

I submitted a complaint to XXXX XXXX XXXX on XX/XX/30 certified receipt. It was received XXXX It wasnt my account XXXX  and XXXX  deleted account. However, equifax is still reporting not to mention no notice of dispute was documented Im requesting removal of account from my equifax report
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OR)

I have receive calls from XXXX XXXX ( XXXX XXXX credit card ) from blocked numbers, as well as their listed number. I answered the blocked call today ( XX/XX/XXXX ) and the representative confirmed they were from XXXX XXXX. Once I told them Ive received multiple calls, and that its harrassment, I was hung up on. Earlier this same morning I received 2 calls from their company ( XXXX ). I have no number for the blocked call, just that I answered and they stated the company name. On XX/XX/XXXX, I received 4 blocked numbers in a row, as well. This is the only company whos tried contacting me through calls, and I rarley get a voicemail not offing why they called. ( They called while writing this complaint. Heres when they called : XX/XX/XXXX I have no time for, my phone doesnt show it. I was called 4 times in a row from a blocked caller. 

XX/XX/XXXX I have received calls at XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX from the listed and blocked numbers. I tried speaking with a manager, and she continued to tell me they can call to collect. I let her know I know the fair debt act, and she continued with the same statement. I told her that its harrassing. She said they comply with the Fair Debt Act, and I let her know that if she complied, I wouldnt get 5 calls before XXXX. She continued to state she was in compliance and she wouldnt let me speak without her interrupting me so I can tell her what happened. I asked for my number to be taken off and I notified her Im filing Chapter XXXX Bankruptcy. She kept telling me that they are allowed to call and I told her the fair debt anusive practiced of calling during inconvenient hours and calling multiple times to harass or annoy. She said she as well would sum it a complaint and see why I was hung up on when I tried reporting said abusive practices. I 100 % feel like this is harassment to get me to pay the bill. My attorney advised me on XX/XX/XXXX that I needed to stop paying my bills because I am filing Chapter XXXX. She continued to say my phone number is in an automated list, and I let her know that it doesnt matter, that its against Federal debt practices.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

When I set up this account I was n't aware of my actual due date and was under the impression that I enrolled in paperless billing. Never received email or statement which caused my account to go 30days past due. I contacted Targe t Credit Card/TD bank  and sent them a letter in order to resolve this. I even emailed CEO this is unfair on my behalf. I 've paid my account in full and that was the 1st and only late payment with them. My account is current and the late payment need to be updated/ forgiven this was an error on their behalf. They are negligent in this matter.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXXXXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Exercised Right of Rescission on XXXX. No documentation or response received from Bank of America as of XX/XX/2021 regarding rescission or refunding of any and all costs associated with this refinance closing. Refer to complaint number XXXX.
Consumer complaint received 2022-03-25
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CO)

At check out I was offered a store card, and I responded by letting the cashier know I did not want to sign up for a credit card. The cashier assured me that this wasnt a credit card it was a store card, and it couldnt hurt my credit. I hesitated but agreed because of the 10 % off promotion. As they collected more of my information I started to realize this was in fact more than just a store card. I tried to back out and they said all I need is an address and the process was almost over and was fine. They didnt disclose to me that this address was where the card was being sent, so the address I gave was the one on my license that I have not lived at for quite a few years now. They assured me I could just cancel the card once I left.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

orchard card was bought by capital one. on XXXX XXXX, i paid both my regular capital one acct. and the that was originally orchard. the regular capital one they automatically closed. the orchard one, they did not. i do not have a valid credit card for this account. i was just alerted by credit monitoring that they have reported me as deliquent. it seems they " decided '' not to close this account in order to charge me an annual fee on XX/XX/XXXX, have now charged me a late fee, interest on it, another late fee and more interest. i was not aware the original card had an annual fee. i was not sent a card to use, so why would i get charged an annual fee. i also have not received any bills from there or an email to let me know that i had a balance. Very unfair for them to close the XXXX acct. they could n't charge me a fee for and leave the open the other, then not bill me and keep charging me late fees and interest, given the fact that i do not possess a valid card and can not charge on it myself. 
i do not have the card no, acct no. according to credit report is XXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (WY)

Truist Bank in XXXX WV, opened a fraudulent checking account with a person claiming to be me. The checks were IRS XXXX money  checks in the excess amount of XXXX. The checks were made out to my business XXXX XXXX XXXX. The endorsement was just initials. The bank will not give us any information, even though they called us to let us know what had happened and they did not get suspicious until the XXXX  was taking out cash! These checks had an address of XXXX WY and the person opened up the account in West Virginia -- - red flag i would think! 

I want to know if this bank actually followed protocol and sent these back to the Fed as fraudulent or endorsement not as drawn. 

This is a lot of money that they gave out! And they will not communicate with us at all even after we filed a police report. They are not working with our Police dept either! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WY XXXX
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NY)

I paid off the loan a while ago, and since then I had a full refund issued. 

I have been told for the past 2 months that I would be receiving the refund of {$700.00}, and it just never happens. I have been told numerous times that someone would be reaching out by this date or that date, and nothing. 

I have copies of the refund being confirmed and issued by the vendor as well. 

It has become apparent that they have no intention to actually issue my refund on this. 

I am not sure where to go from here, or if this is even the proper venue for it, but any help/guidance would be appreciated. 

Best, XXXX XXXX
Consumer complaint received 2022-03-25
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. (FL)

I tried getting this issue resolve directly with equifax, equifax has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity
Consumer complaint received 2021-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Risecredit, LLC (FL)

I have submitted several disputes with XXXX with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with XXXX in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

XXXX kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying XXXX has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and Rise/XXXX 
I advised XXXX that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with XXXX, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal limited my account 2 years ago, associated with the email XXXX. I had an outstanding balance on the account amounting to {$980.00} which they promised they would be releasing after 180 days but have never allowed withdrawal.
Consumer complaint received 2018-07-06
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. (NY)

I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.
Consumer complaint received 2021-11-18
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. (MN)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.