davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist Bank ... has extremely Ridgid fees unjustly charged to me ... as a transfer of payment. From my checking account. To my credit card they are negligent in making balances appear understandable ... by using only colors. There's no plus sign for credit nor a minus sign representing a debit Referring to try n transfer money from my checking account to pay my credit card. And or an automatic creditline
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. ()

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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (OK)

I have called them and told them that I would pay the monthly payment late before it hits 30 day but they still keep calling me every single day!!! I did refinance the loan but still did not help me due to when I was sick and was not working over time and I was contagious and got my husband sick and he also missed work and he does not have paid time off. I am trying my best to catch up but as of right now thats all I can do is pay before the 30 days.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XX/XX/XXXX there was a bank fraud in my HSBC accounts, in the amount of {$110000.00}, since that date I made multiple claims both personal and by mail and it was XX/XX/XXXX that I got in response of Mrs. XXXX XXXX, that within a period of 10 working days I would receive an answer if you have any questions, please contact Mr. XXXX XXXX, I have sent several communications and the last one I answered was on XX/XX/XXXX, " Dear XXXX XXXX, I appreciate your patience as I continue my review. I dont need anything further from you but do need a little more time to resolve the matter.Sincerely, XXXX XXXX XXXXManager, Executive Office | Customer RelationsXXXX XXXX XXXX - XXXX XXXX, NY XXXXwhere I indicated that it would give more time, despite the fact that I wrote after that date, I do not get any response, I have not received an answer to my complaint until today and it does not meet my requirements
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I opened a dispute with Bank of America Money Network because my card had been stolen and almost all the money had been spent. Im in a really bad spot financially and Im losing everything because of this, I pretty much have been working a month with one check. I faxed them what they had asked me for which was dates/amounts/merchants. I they continued to not reach back out to me so I kept calling just to find out it had been denied and Id have to appeal and in my situation im living in hotels right now because this happened and Im running out of money so I really need the money back and soon because no I cant wait any longer. Im losing everything because I cant financially cover anything anymore.
Consumer complaint received 2023-06-13
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. (SC)

I never gave any of these companies permission to run or pull a credit report on me. It is also illegal to only report when an account goes into delinquent status but not when there are good payments etc also, they should provide the original contract with my wet signature if they think they are right. 
Please remove the following from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AZ)

Ok this debt was acquired by ms. XXXX XXXX phone, email address is XXXX she got a XXXX insurance policy without my notice months after we broke up we only dated for about 2 months her vehicle is a XXXX  XXXX XXXX XXXX but since she needed a XXXX on top of that insurance cards she decided to put my vehicle and my name without my consent now Caine and Webber have me in collections because of her fault which I think is unfair
Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Certified Services, Inc. (IL)

I filed BANKRUPTCY back in XX/XX/XXXX and debt was discharged and I started getting negative notification on my credit report that Certified Services are still added negative and listing the discharge account on my credit report account status as NEW ACCOUNT, which impacting me improving my credit report as of XX/XX/XXXX.
Consumer complaint received 2018-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I opened a Capital One Credit Card when I received the 0 % interest offer in the mail for transfer balances and purchases. The 0 % was good into the later part of XXXX. ( I want to say XX/XX/XXXX ). After opening the card online, I called and verified the credit card offer of 0 %. The customer service representative stated I was correct with the details of my offer, the 0 % on transfer balances, and I had to wait 10 days to transfer the balance after my card was opened. I waited the 10 days and then transferred a balance of XXXX. When I received my first bill due XX/XX/XXXX I called Capital One asking why there was interest reflected on my statement as this was supposed to be 0 %. The customer service representative took the time to confirm my account was 0 % and that the interest reflected on the statement was for the transfer balance FEE. I said ok and asked him what my next statement min payment was going to be if I paid the min balance due which was XXXX. He spent several mins calculating the min payment and even put me on hold to calculate the payment. He said it would be XXXX. Today when I got my statement there was an interest charge of XXXX. I called Capital One and they then stated that my card was not interest only on balance transfers only purchases. I was misled by TWO capital one representatives when I called to verify the details on my offer. Today I requested that they close the account and take off my interest charges for the month since I was misled by not one but TWO representatives. Capital one even confirmed they saw the two phone calls logged on my account but refused to waive my interest for the month. I have no problem paying the transfer fee of the 3 % that I was told I would need to pay. However, I find it misleading and unacceptable when I as the consumer educated myself on the product they were offering me,,, twice! I am looking for the CFPB 's help to ask capital one to remove all interest charges on the account since it was opened. I will pay the 3 % offset of the fee for balance transfer. However, because of the amount of interest they have charged me, I now owe more than I originally transferred on the card.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have an unverified account from XXXX XXXX XXXX XXXX. I have previously disputed this account. I have never done business with Portfolio Recover y Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX XXXX has reported a  collection on 2 credit reporting agencies on XX/XX/XXXX. I sent registered letters to XXXX XXXX XXXX XXXX   requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. 

Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/XXXX outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. 

I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (OK)

R S Clark refuses to take a debt from XXXX XXXX XXXX off of my XXXX report. It should not be there as it is a medical bill under {$250.00}. They removed it from my XXXX report but refuse to remove it from my XXXX report.
Consumer complaint received 2019-05-06
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: STERLING JEWELERS, INC. (AP)

I AM XXXX XXXX MILITARY CURRENTLY LIVING IN XXXX ON MILITARY ASSIGNMENT. WHILE CHECKING MY CREDIT ON XXXX XXXX, I NOTICED THAT STERLING JEWELERS AND XXXX XXXX XXXX   MADE A HARD CREDIT INQUIRY ON MY REPORT ON XX/XX/2019. I DID NOT AUTHORIZED SUCH INQUIRIES, AND I AM NOT SURE WHAT IS GOING ON. 
BELOW IS THE INFORMATION FROM THE COMPANIES : STERLING XXXX XXXX XXXX STORE # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (GA)

I paid this debt on XX/XX/18 In Full to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1000.00} Credit Card Number : XXXX XXXX XXXX XXXX This Company North American Recovery Continues to insist that i owe this debt. 
I paid this debt before XXXX XXXX XXXX had a chance to Send me a notice. 
XXXX XXXX sold this loan to two different Debt Collection Agencies This is harassment and i am have been going back and forth between XXXX XXXX and XXXX since XXXX to show and proof that i do not owe this debt. 

I do not understand how TWO different companies ended up with the same debt. 
Why Hasn't XXXX XXXX  stepped in to verify how two agencies received this debt. This is harassment. How is this legal and lawful for one debt to be sold twice. 

I am again attaching both Paid in full letters received in regards to this debt.
Consumer complaint received 2018-08-21
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. (NC)

Transunion without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for Transunion to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

That account needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have contacted Experian multiple times in writing and over the phone regarding an update to my social security number being outdated on my report as I have been issued a new number by the social security administration. Experian refuses to update the social on my report and states the creditors must update them with the social on the accounts they previously reported. I've contacted the creditors and they state that since the accounts are all closed, they are unable to make the change and Experian should be the one to update the credit file with my new social security number if I supply a copy of my social security card. I called experian again and explained the response from the creditors. they still refuse to update the social on my file
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This account XXXX/XXXX is been on my credit report since XX/XX/2010 almost 8 years and is affecting my credit score. Please remove this old account from my credit report.
Consumer complaint received 2018-09-07
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. (NV)

I received a copy of my credit report and I notice a hard inquiry was fraudulent, I immediately contact Equifax to let them know about this and to placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: First Technology Federal Credit Union (OR)

On XX/XX/XXXX, I purchase two ( XXXX each ) round trip tickets to XXXX XXXX for XX/XX/XXXX vacation. A week later I noticed for transaction taken out of my credit card account. I contacted the airlines right away and they stated that only purchase two round trip tickets and referred me to check with my financial institution. 

I contacted First Tech Federal Credit union since the credit card I used was from this institution. I explained that I was over charged {$420.00} four times when it should only be two charges. I was asked to do file a dispute of the charges which I did. On XX/XX/XXXX I received a confirmation of my dispute # XXXX. On XX/XX/XXXX my account was credited the over charges {$420.00} x 2 while they continue to investigate mean while they asked for documentation which I provided the flight numbers and airline information that I had purchased. I also called the airlines to confirmed once again that they did not have me in two different flights. The airline confirmed that my name only appeared for the only flight. 

I received from notification from First Tech on XX/XX/XXXX that their investigation is concluded and they would be withdrawing the money that was refunded to me on XXXX. 

I am asking for a full reviewed of the ethics of this financial institution whom I have been a member of for over 20 years. During the time I have been a member I had their credit card and never had this type of situation. One of the reasons I used this particular credit card was because I trusted the bank and knew that my purchases are ensured and would not have a problem. 

I appreciate the oversight to this charges. 

Thank you,
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEM at XXXX XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the about of {$470.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2018-08-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX XXXX XXXX, XXXX XXXX, Experian not reporting things right. First off Experian  company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX a or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION (PA)

I received an offer ( attached ) from XXXX Bank about opening a new checking account with them. The offer required me to open any checking account between XX/XX/XXXX and XX/XX/XXXX and complete 10 debit card purchases within 60 days of account opening to receive {$150.00}. I opened a simple checking account in a branch on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX. My account was a new account and neither I nor any member of my household had any account with XXXX bank when this account was opened. The terms of the offer stated that once the requirements have been fulfilled, the {$150.00} will be paid in 4 to 6 weeks. Around 8 weeks have passed since I made those 10 debit purchases, but the {$150.00} was never paid out and contacting the customer service led me nowhere.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I needed urgent dental work done last XX/XX/XXXX XX/XX/XXXX and had no money available. The dentist suggested applying for a Care Credit card. The office let me know that they offered 12 months no interest. Because the promotional period is over, I've now been charged {$570.00} in interest all at once. My balance was down to {$1400.00} but because of this added interest it is up to {$1900.00} more than I owed originally for this one and only charge of {$1900.00}. I knew there was no interest for 12 months but was not aware that I'd be charged interest on money I've already repaid. This seems like a very unfair practice, it's like being charged twice.
Consumer complaint received 2023-03-18
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.