davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a 0 % APR offer for 15 months on balance transfers with a 4 % transfer fee from XXXX, I took this offer to the XXXX branch of Fifth-Third bank and ask if they could match it. I stated I would rather deal with a bank with local branches that I also have a credit card from. The banker put in the request and I received the same offer, with checks, in the mail a week later from Fifth-Third. I went to use this check to transfer a balance from XXXX, the check was accepted on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the balance was reaccredited to the XXXX account with a bad check fee assessed. I went to the XXXX Fifth-Third Bank branch to question why the Balance transfer was not applied, I was told those checks were for a credit card that was issued in XXXX and never activated with my mother listed as a co-signer on the account. I had removed my mother as a co-signer on my credit card in XXXX when an old credit card got hacked and I had to get the Fifth-Third card re-issued. I asked the banker and her manager from the XXXX XXXX, over the phone, why I was receiving the balance transfer offer at my apartment for an inactive credit card from XXXX and why the check was accepted initially at XXXX. This is a very shady practice, I had to then confirm the this account was indeed closed and had to complain until the Fifth-Third banker called XXXX to get the bad check fee removed. I then asked for the same balance transfer, that the old inactive credit card from XXXX received, and was told only the marketing department could extend those offers. I then had the Fifth-Third banker call the marketing department and was told they have no control over this and was given the run around with no apology besides " that is how the business is run ''. This was both insensitive and rude. The manger then told me I could only receive the balance transfer offer if I open a NEW credit card, but would have to close my older account which has a much longer, 9+ years, of established credit history. I told them this was unacceptable and was reporting this to the XXXX and Consumer Financial Protection Board.
Consumer complaint received 2016-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Phoenix Recovery Group (TX)

On XXXX XXXX, 2015 I sent a validation letter to the Phoenix Recovery Group requesting information on an account they claim I owe. They provided a respond in XXXX XXXX, 2015 to validation with an investigation of debt owed. They provided a contract of the original creditor along with a itemized sheet/description of charges. On XXXX XXXX, 2015 I responded by requesting additional information related to agency fees and additional fees. They have not provided a response to the XXXX XXXX, 2015 letter.
Consumer complaint received 2022-04-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting a 30 day late payment in XXXX of 2020 during the first month of Covid-19 Shutdowns. I made an arrangement with them, wrote a Good WIll letter and they refuse to remove the late payment status with all of the credit bureaus. 
Under The CARES Act, which was signed into law on XX/XX/2020, Act amends theFair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative 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 update. 

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 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 2022-04-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is reporting a 30 day late payment in XXXX of 2020 during the first month of Covid-19 Shutdowns. I made an arrangement with them, wrote a Good WIll letter and they refuse to remove the late payment status with all of the credit bureaus. 
Under The CARES Act, which was signed into law on XX/XX/2020, Act amends theFair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) The Credit Bureaus never did a proper " investigation '' according to the FCRA.

The term " investigative 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 update. 

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 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 2023-07-25
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: Atlanticus Services Corporation (FL)

Fortiva changed my account by opening a MasterCard that accrues interest instead of the account I had which is a retail account that doesn't accrue interest. They are refusing to move it back. I never authorized it. They are saying that an email was sent regarding the changes however I never got the email and something of this nature should never just rely on an email communication. Per the communication I had with them they said that : account was change to Retail Fortiva account to Fortiva Master Card account. Since the account as been changed the interest has increase from o % to 25.99 % This is very disturbing that this would happen. This is a bait and switch which they are not willing to fix because I didn't " opt out '' in time??? No mail was received, no email was received ... why would this be an " opt out '' situation?? This is a bait and switch. I have had the retail account for a long time and now out of the blue they are changing it and charging me interest. Aren't there laws to prevent this situation from happening?
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-06-17
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 have submitted documents of proof of payments and proof of merchants stating the accounts have been paid as agree and Equifax will not remove duplicate inquiries or collections that have been paid and or disputed. In turn for this reason they will not raise my credit score which is reflecting that I am a high risk or have a high number of unpaid accounts or late payments.. None of which is true.. I have not been able to get approved for a loan or I am only offered high intrest rates and I have to have my credit pulled in order to be reviewed which in turn lowers my score.. I have submitted request in wirting to all three angencies, requesting at least remove the duplicate hard inquiries from my report which should bring my score to at least 700-720 none of which has been done.. I have paid off loans and I also have a 21 % debt to income. I have lost grant money due to Equifax unfair and inaccurate reporting..
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

I opened a claim with PayPal Credit for an amount of $ XXXX for a XXXX XXXX transaction. I placed an order online that never was picked up. PayPal Credit ( Syncrony Bank ) denied my claim with no clear reason, I never received an explanation of why my claim was denied and the credit was reversed to my account. I called Syncrony Bank and XXXX account manager did not have a valid reason, he said that XXXX XXXX provided documentation and they want something from me. I explained XXXX that there is not documentation to provide at my end. I placed an order online to pick up, the following are the terms from XXXX XXXX in regard of this kinds of orders : XXXX XXXX XXXXXXXX? XXXX Here 's how it works : During checkout, choose Store Pickup and select your store We'll show you an estimated pickup date Place your order and wait to receive a " Ready for pickup '' email ( this is a separate email from your order confirmation ) Bring your ID, credit card and order number to the store and pick up your items We'll hold your items at the store for 5 days ; if you don't make it in by then, we'll cancel the order and refund your method of payment If you cant pick up your order within 5 days and you dont want it to be canceled, check your order details for extended pickup options. 

Will asked for proof that I canceled the order, but the terms an condition in regards a cancellation for this kinds of orders are the following : Changing or canceling Store Pickup : If necessary, you can change or cancel your Store Pickup order. 

Time frames to keep in mind : To switch from Shipping to Store Pickup, let us know within 30 minutes To switch from Store Pickup to Shipping, let us know within 5 days You can cancel a Store Pickup order anytime Well hold items at the store for 5 days if you dont make it in by then, well automatically cancel the order If you cant pick up your order within 5 days and you dont want it to be canceled, check your order details for extended pickup options https : XXXX? XXXX - Per terms and conditions, I am not required to call to cancel the order, as the order gets cancel automatically after 5 days if not picked up. I did not picked up the order, and XXXX XXXX is refusing to refund my payment method.
Consumer complaint received 2019-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the collection agency are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with XXXX and Transunion and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

XXXX has reported two invalidated accounts on my credit report XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 

2.LVNV funding ( Resurgent ) XXXX XXXX XXXX XXXX  XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature XXXX  is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I am contacting your company because I am a victim of identity theft there was an account opened in my name that I was not aware of nor did I have knowledge of and I want it removed from my credit report at once because it is fraud and does not belong to me OTHER LOANS XXXX/XXXX  Reported : XX/XX/2018 + {$220.00} Closed Remove this account because it does not belong to me.
Consumer complaint received 2018-12-26
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. (TX)

I reported to Experian that they were reporting inaccurate information in regards to my bankruptcy. I received a letter stating the the information had been verified. I followed up with a letter asking to provide me with who and with whom the account had been verified with. I was not given this information only that it had been verified.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PRIMARY RESIDENTIAL MORTGAGE (UT)

In XXXX XXXX XXXX, by their own admission, PRMI drafted automatic payments early which resulted in a bounced payment on my end. In XXXX XXXX XXXX I had some unexpected medical payments and was late in paying my mortgage, & subsequently bounced twice doing so. Because of these XXXX bounced payments, my mortgage was put into default and I was forced to pay by money order or cashier 's check for the future until it was determined I could return to normal payment methods ( after XXXX  months assuming no further issues ).
During this time, I started paying extra toward my mortgage, to be held in suspense to apply toward future payments, in order to ( hopefully ) resolve this issue more quickly and return to some degree of normalcy. I was informed that this was acceptable, & notes were made within my account acknowledging how the payment team should process these extra funds. Despite this, they kept applying extra funds toward principal which required my having to repeatedly sort out the issue with their customer service teams. I would also receive conflicting messages & mailings from other ( assumedly automated ) aspects of the company that would contradict what I was being told by their agents, leading to further confusion & missteps. Late and transactional fees would be applied, then ( sometimes ) removed after realizing their mistakes. Getting consistent, quality information from someone beyond the role of customer service agent ( who, individually, were all helpful and understanding ) to actually solve the problems I was having was very difficult. Upon discovering their responsibility in the payment issue that was in part responsible for creating this situation, they made no notice to me beyond a short, solitary letter with instructions to reach out to them about any
incurred fees. I have spent a XXXX  XXXX dollars in fees and about XXXX hours of my own time over the past XXXX  months dealing with these issues, with little accountability or willing to correct on their part.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TN)

I am an XXXX XXXX XXXX  who recently returned from a XXXX to XXXX on XX/XX/2022. Ally Bank denied me access to my savings account due to suspicious activity on the account, even though it was me trying to access my account from XXXX. When I returned home, I called Ally multiple times to resolve the issue ; however, my account is still on hold and I can not do anything with the funds I have in that account. Ally keeps telling me that I may have to wait up to 90 days for access.
Consumer complaint received 2022-04-03
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)

My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have XXXX XXXXo credit card for XXXX XXXX  for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft report.
Consumer complaint received 2022-04-03
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: Upgrade, Inc. (IL)

Received a packet of information in the mail from UpGrade - account information, pin, debit cards. Never activated them. Called UpGrade to ask them to close this account. It is a line of credit. They farmed this out to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) - I live in Illinois. Called them ... they sent me several letters saying that I had tried to change the PIN ( first red flag ) and then a statement show that an ACH payment to a routing number at XXXXXXXX XXXX in XXXX, PA I then received a letter from them stateing they had terminated the account to to improper account activity. UpGrade continues to send me statements, which are seriously past due. I have had no luck with UpGrade closing this account. It is now on my credit report and show a balance of {$7000.00}. My bank will vouch for the fact that I have never received this money. I have had a freeze on my credit for the past two years so this company never checked my credit before issuing this line of credit to who ever used my name, address, and email address. I now have a fraud alert on the three credit bureaus. I filed a dispute but this week XXXX sent me a letter saying that UpGrade is saying it is mine. I need help getting this off and getting UpGrade to close this account and remove it from my credit report.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to get copies of my detailed credit report and score from XXXX, XXXX, and TransUnion since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (TX)

In according with Fair reporting act XXXX  Accounts XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX Has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt