davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (MI)

*To begin, I would like to ensure you have and ONLY hold on to Current, TRUE, CORRECT, COMPLETE, and MANDATED recorded information According to FCRA regulations, any and all others that might be believed now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul for good and immediately any and all deviant of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious info be it indubitable or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT have ambition for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( b ) I do NOT have any needed OTHER addresses and I do NOT aspire for any OTHER ADDRESSES to be retained or reputed, if ANY efface from reporting NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( c ) I do NOT have any required OTHER SSNs and I do NOT yearn for any OTHER SSNs to be retained or supposed or elsewise revealed, if ANY eliminate NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s )..

( d ) I do NOT have any OTHER Dates of Birth and I do NOT have compliant-like salacity of or for any OTHER Dates of Birth to b e retained or divulged, if ANY blackout from reporting NOW or product PROOF of your legitimate AUTHORITY to sustain much less report without infringing my consumer right ( s ).

( e ) I do NOT have any telephone numbers and I do NOT desire any telephone numbers to be retained or rumored, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT desire any employers to be retained or communicated, if ANY obliterate from reporting NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
Page 1 of 7 ( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT long for any spouses/ roommates/ co-applicants to be retained or announced, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to much less report without infringing my consumer right ( XXXX ).
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NM)

I have repeatedly asked for a validation of the amount which was reported to all credit agencies, but they keep sending me old statements from different periods from the previous creditor, each contain different amounts, one for {$21.00} and another for {$50.00}. The statements are not validation per se. They claim I owe {$240.00} which I do not believe I owe. I then asked for validation of the amount but all they send me are copies of past statements with different amounts, as stated above, amounts which I do believe I have paid off in the past. They need to prove how they came up with {$240.00} but have not been able to do so.

The collector and all credit agencies only respond to me by stating they have already answered my questions and will not respond anymore. I can not afford a lawyer at this time.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

The account by XXXX XXXX XXXX in the amount of XXXX has been settled and paid in full. The amount of XXXX by XXXX has also been pain in full. I have requested several times for these items to be removed even while under investigation. Both creditors have stated that they have updated the collections on their end
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NV)

Lexington law has sent me a letter stating that I could do have service again I called the XXXX number on the letter I received. I called the number on the that was on the letter and I processed a new issue with Lexington law and they told me that in a journey I close my account. I'm just putting this issue is her contradicting their statements from the letter and what their product issue is and I'm very dissatisfied with what's been going on.
Consumer complaint received 2022-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOUTHSTATE CORPORATION (FL)

I closed out my account a few weeks ago roughly around XXXX. And it was a company called thred up that I used to purchase something from and they issued me a {$6.00} refund on XX/XX/XXXX to that closed account. I verified with SouthState about the issue. On XX/XX/XXXX and was told yes the refund is in the closed account. I called again and spoke with a supervisor named XXXX who was rude and unhelpful telling me lies about it was a attempt. Its no money to contact the merchant I stated the merchant only issues refunds.. I have filed a complaint against the merchant as well. It seems like filing a complaint is the only resolution. I just want a check for my {$6.00}. 
I also file a complaint with bbb which was unhelpful. So I'm filing a complaint with the XXXX. 

In addition, I also received a response from the actual company to prove someone is lying and I believe it's SouthState because it's never been a issue with me getting a refund before from thredup. 
she contacted our chat support on this matter, we reviewed the interaction on the chats and the replies back from the user. 

As it was previously advice, the user will need to reach out to her financial institution for them to check further on the funds, since we sent the funds back and process the refund in full back to the Original Form of Payment. 

At this time, it will be need for the user to reach out to her financial institution as the funds have already been released and there is no fail notice from our end, they should be able to get ahold of the funds and get them back to the user bank account and see what will be next steps from their end to have the funds forward to the user. In case the user needs any type of confirmation or reference, she can let us know and we are committed to to provide this, so she can file her claim. 

Hope this provides more insight, Thanks, XXXX XXXX
Consumer complaint received 2023-03-17
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. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$6800.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2019 I paid off my entire balance with Capitol One credit cards. Two weeks later Capitol One credit Charged me XXXX in interest on a balance I already paid off. I called them on XX/XX/XXXX to complain about the charge. They would not remove it. In fact, they were hoping I would miss the payment so they could assess me a XXXX fee. In essence, they could not only charge me interest on the XXXX but also charge me the fee and add interest to that. When I pay a balance in full I assume I am done paying. The first customer service representative I spoke with hung up on me after I requested a manager. I called back and got a Manager named XXXX. He would not give me his last name. He told me his ID number is XXXX XXXX. He would not remove the interest charge. This is a scam.
Consumer complaint received 2023-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (FL)

I opened a credit card with an offer if I spend {$3000.00} in 3 months of opening that I would get 25,000 bonus points. I spent just over {$5000.00} ( about XXXX ) in that time frame. I never received the points. 
I called the bank now 6 times. The first time it was forwarded to a promotion team that after a week called me back and said that the promotion was spend {$5000.00} to get the points. When I told them I did spend over {$5000.00}, then I was told maybe it was {$6000.00}. I told them I have the letter that came with the card saying {$3000.00}. I was told they would forward it back to that department. I never heard back. A month later I called again, and was told it would be sent back to that department. Again never hearing back. 

I spent well over the {$3000.00} required, and have statements as proof it was actually over {$5000.00} even in that window of time, yet never got the 25,000 points. I want the 25,000 points owed. I'm including the proof of the offer they even mailed me after I got my card.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TN)

My family and I moved to TN in XX/XX/XXXX and before moving I terminated our XXXX XXXX XXXX account. After said move I noticed that Franklin Collection Services was reporting on my credit report with a debt. Upon seeing said report I promptly contacted Franklin Collection Services and was told that the collection was for XXXX XXXX XXXX. I explained to Franklin Collection Services that I had not received any notice that told me I had any past-due amount and that no one had contacted me regarding this issue. Franklin Collection Services told me that I could pay the debt and the account could be closed. In XX/XX/XXXX I made payment to Franklin Collection Services of {$140.00} which paid the debt in full and the account was closed on XX/XX/XXXX. After closing the account I contacted Franklin Collection Agency to ask them to remove the closed account from my credit reports to which they said " XXXX XXXX XXXX will not allow us to take the account off the credit report ''. My family and I are trying to buy a home and this negative mark on my credit report is hurting the chances of getting that home. No one had contacted me regarding this issue. I paid the account in full. I would like the negative mark removed completely from all 3 credit reporting agencies. Thank You.
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

On XX/XX/2017, we purchased a home from a new home builder, Dreamfinder, in XXXX, TX. The builder, Dreamfinder, had a preferred lender they associated themselves with, and part of their promotion was that the lender, PrimeLending, would pay the first 3 months worth of Taxes, HOA, and Home Insurance. We shopped around with different lenders and found a lender that offered a less expensive interest rate at that time. We had a lender that was quoting us half a point less than the Builder 's Preferred Lender. The company, PrimeLending, said that because they were associated with the Home Builder as the Preferred Lender, they would be able to beat that deal and offer me the promotion of first 3 months of Taxes, HOA, and Home Insurance paid for me as part of the closing costs. When the Tax Bill came out at the end of XX/XX/2017, the Tax amount due was substantially higher than when what was pro-rated when we closed on the home. In other words, at closing, we received a tiny Tax Prorated credit of {$770.00} instead of the actual 3-month tax that was {$3900.00}. That's a difference of {$3100.00} that I had to pay out of my pocket. I have gone to the Loan Officer for over 6 months now, and they are not responding to my requests and keep telling me they are " looking into it. '' I am hoping your Organization may be able to assist me in this matter.

I appreciate your help, XXXX XXXX
Consumer complaint received 2023-06-29
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: Grain Technology, Inc. (MS)

In accordance with the fair credit Reporting act Grain Technology Account # XXXX XXXX XXXX XXXX has violated a my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 98. % purpose.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

As I reviewed my recent report, I have found erroneous information 's reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX, XXXX, AL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate. 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only Equifax and XXXX. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while Equifax and XXXX are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on Equifax as inaccurate.
Consumer complaint received 2022-02-06
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. (NC)

I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and TransUnion. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while XXXX and TransUnion are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on XXXX as inaccurate.
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/2017 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. 
As a previous victim of ID Theft on XX/XX/2017 I contacted the company reporting the account in writing and delivered by certified mail requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. 
I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I have received no response from Transworld System. It has been over ( 7 ) months from the date of my dispute which is over the 30 days time frame making this company out of compliance. Under advise, I wish to informed Transworld System that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Consumer complaint received 2022-02-06
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: Bread Financial Holdings, Inc. (TX)

I gave my bank information over the phone to a woman collecting money for Comenity Banks Victoria Secret Store card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from XXXX XXXX saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from VS or Comenity Bank, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX  and XXXX  episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.