davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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 have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have requested proof of the debt for 5 months and they have not provided anything to verify or prove I opened an account. there is nothing with my signature or approval. I was a minor when this account was opened and it was not opened by me. I have attempted on several occasions to rectify this with Portfolio Recovery yet they keep sending me the same letter over and over stating that they obtained a statement of the account when the purchased it. Regardless, they have not provided anything showing their method of verification or my signature. As you can see from my ID, I was a minor at the time this account was opened.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED XXXX
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Advanced Recovery Systems, Inc. (MS)

Advanced Recovery Systems, whose address is XXXX. XXXX XXXX XXXX, MS XXXX, sued me for medical debt in XXXX County Justice Court. I showed to the hearing and cited improper venue because the FDCPA states that the suit against a debtor is to be brought in the county where the debtor presently resides or the county where the contract was signed. I am a resident of XXXX County in the State of Mississippi and was when I received the healthcare service from the original medical providers. The medical providers are all entities located in XXXX County. ARS is a debt collector and they bundled 4 independent assignments from 3 different entities into one lawsuit. I never received the demand letter from the attorney of record, XXXX XXXX XXXX XXXX, representing ARS because it went to the county that the suit was filed. ARS, debt collector, clearly violated my rights under the FDCPA and due process rights.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Equifax and was informed that my dispute letters has not been received. This is the 3rd month in a row that Equifax has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last 4 of my SSN is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Equifax on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Equifax and this is a clear violation of my consumer rights.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (OH)

My Checking and Investment account has been locked by The Banking Institution without proper cause.

I have Talked to several representatives and have not received a direct answer to any of my Question.I was told I could Use my Debit card attached to this account even if it was Under investigation by this institution .but when I used the card to pay my bills.the transaction was declined. They told the investigation takes 3-days yet it has been more than 3 days since being locked out of This account without any explanation I have Identified myself as required with the information that was asked.Yet I can not get a Straight answer regarding this matter.They have hung up the phone, They Have Promised to call and Did not .I run a Small Business and I have Clients to Serve.I can't serve my clients without the funds needed. This investigation was not imitated by me Dates XXXX, XXXX XXXX, XXXX XXXX, XXXX each day of communication my calls to this institution. 
Thanks...
Consumer complaint received 2020-07-29
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: SYNCHRONY FINANCIAL (NJ)

There is a charge off on my report affecting my credit. It is under SYNCB/MC. I contacted the number listed and they told me they sold off the debt to a third party last year. However, they are still verifying the account as accurate with the credit bureaus. I was never contracted with The third party nor do I recall opening an account with the creditor. I tried to dispute with TransUnion who advised I contact XXXX XXXX. To my understanding, there is a law protecting me from this as I was never contracted with the third party they sold the debt to.
Consumer complaint received 2018-08-02
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: Midwest Recovery Systems (VA)

I submitted a dispute with XXXX  twice to request removal of a collection in the amount of XXXX involving a collection company ( Midwest Recovery System ) whose client is an online payday loan  company not licensed in the XXXX of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and Midwest Recovery never sent me a notice that would allow me the opportunity to dispute the collection.
Consumer complaint received 2019-06-03
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: EQUIFAX, INC. (WA)

I need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak XXXX the ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-01
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. (AL)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency

asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2020-02-01
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: Bread Financial Holdings, Inc. (MI)

Comenity Capital/ XXXX XXXX XXXX XXXX, ETC hard inquires on XX/XX/XXXX & XX/XX/XXXX I did not apply for this neither times fraudulent Factual Data- Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX All of these are fraudulent hard inquiries I did not apply for none of these and I tried reaching out to the company and did not get a response
Consumer complaint received 2019-06-03
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. (CA)

on XX/XX/19 I received an email from Experian stating " Your account has been updated, XXXX You are receiving this notification because this email address on your Experian account has recently been changed. If you did not initiate this change, please contact Experian 's member support at XXXX '' I did NOT authorize or change any of my log in credentials. And emailed them immediately after this occurred. However, the identity thieves changed my recovery email, password, and security questions so now I am locked out of my account. I contacted them by phone but they refuse to change the account back to what it was prior to XX/XX/19, ie I am requesting that the original email be reinstated so that I may log into the account. 

I have sent daily emails to the XXXX and have received no response or resolution. I also contacted them on XX/XX/XXXX, XX/XX/XXXX and XXXX by phone and they say nothing can be done.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (AZ)

I signed up for the XXXX XXXX from Barclays Bank. The card included an introductory offer of XXXX XXXX XXXX points awarded after a purchase has been made within 90 days and the annual fee has been paid. The terms stated that the award would be posted '' after making your first purchase in the first 90 days and paying the annual fee. '' I made a qualifying purchase within the first 90 days ( on XX/XX/19 ), and paid the annual fee ( as reflected by the zero balance in the XXXX statement ), but the company has refused to honor the rewards offer, stating on the phone that the terms say that the annual fee must be paid within 90 days, and was only paid after that time. However, the terms clearly differentiate between the initial purchase which must be made within the first 90 days, and the annual fee upon which no required time-frame is specified. While initially, customer service representatives from Barclays denied my request for them to approve the claim, ultimately on XX/XX/XXXX, XXXX supervisor did approve the request, stating that many customers have been calling in regarding the issue of ambiguous terms in the reward offer, and that Barclays has decided to honor these request. The representative was quite clear that the points would be reinstated, only adding that it may take one billing cycle for the points to appear. However, I subsequently received a letter from Barclays stating simply that " we are currently unable to assist you with your rewards issue. '' Upon calling customer service, I was informed that the company was denying the request. There was no record of the approval from the supervisor in the conversation on XX/XX/XXXX, although the representative did acknowledge that there was a call at that time and that all calls are recorded. I subsequently initiated another inquiry on XX/XX/XXXX, this time asking that the details of the case be notated - including the conversation with the supervisor on XX/XX/XXXX. I have recently received another communication from Barclays, again stating that " we are currently unable to assist you with your rewards issue, '' with no further explanation given.
Consumer complaint received 2019-06-03
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: CITIBANK, N.A. (ME)

On XX/XX/2019 I responded to an on-line advertisement by XXXX who offered a free sample of their product ( just pay shipping charge ). I used my Citi credit card with the ending number XXXX. The following day while doing a bit of research on the product I ran across a customer complaint who had ordered a similar product and ended up being charged later for additional merchandise he did not order. Together with some Bogus sounding claims by the company that it was owned by XXXX XXXX who had discussed the product on the XXXX  XXXX show I was afraid I might be scammed so I called Citi the next day, XX/XX/2019, and reported the XXXX card lost so no future charges could be made on it. I was issued a new card ending in XXXX the next day and told to notify any companies that had recurring charges on the old card of the change since those payment would not be processed. 
When I received my XXXX statement there was a charge of {$89.00} by XXXX posted on XX/XX/2019, over 2 weeks after the XXXX card number that they had was cancelled. On XX/XX/2019 I called Citi and informed a customer service person named XXXX of this fraudulent charge. She said it looked like the merchant had established an account with recurring charges. I told her I didn't have an account with them, much less a recurring one. She said the charge would be waived pending further investigation and any further charges by this vendor would not be processed. On XX/XX/2019, to my complete amazement, Citi notified me that they had finished their investigation and determined that it was a valid charge! I mailed a response to their letter on XXXX advising them that I did not order, nor did I receive, any product after the free sample and furthermore XXXX does not have my XXXX card number so the charge was made on a credit card that had been cancelled over 2 weeks prior to the charge. Citi was played big time on this. They accepted a charge on a cancelled credit card and were deceived into believing the charge was otherwise legitimate. And they are trying to stick me with the bill. Citi should be ashamed of themselves and XXXX should be investigated for fraud. I hope you can help with this situation since Citi 's latest correspondence threatens notification to credit reporting agencies. I am proud to have credit scores in the 800 's for years. I am XXXX years old and this situation is really stressing me out. I would appreciate any help you can provide.
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2022 I received the amount of {$960.00} transferred to my navy federal checking from my friend XXXX XXXX 's navy federal account. XXXX XXXX 's wanted me to withdraw the money for him from my account. I did this and got the money to him in cash. Later on Wednesday XX/XX/XXXX {$960.00} was removed from my account because of an open fraud investigation. XXXX XXXX started a fraud case and now I am a suspect even though he sent the money to me and instructed me to withdraw it. My bank Navy Federal may now suspend my account due to this incident. I have tried to plead my case with them, however, they claim there is nothing that they can do.
Consumer complaint received 2019-06-03
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. (WA)

I need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak English the  ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (MA)

I took a 36 month personal loan with this company in XX/XX/XXXX for {$10000.00} to consolidate my debt. The information I received in the mail stated the APR would be 5.99 %. On XX/XX/XXXX, I received a EFT deposit of {$9500.00}. They withheld {$490.00} for their service fee. My annual APR is 25.99 %. XX/XX/XXXX payments are {$400.00} per month. ( Principal {$270.00} + Interest {$120.00} ). I am 2 months ahead in my payments. The last statement I received, stated my next payment is due  XX/XX/XXXX. Over the course of 36 months I will repay {$4500.00} in interest plus the initial {$490.00} service charge, for a total of {$5000.00}, plus the loan of {$9500.00} = {$14000.00}. I sent an email to their customer service dept., requesting that they review my payment history with them and consider lowering the interest rate, as I am not a credit risk. I received an response stating that I would need to call customer service, since they do not discuss private information via email. I called the number and spoke to man who politely explained that I would have to speak with their customer service dept. and transferred the call. I then spoke with a girl who sounded as though she was a child and clearly did not want to listen to me. She bluntly told me that WE ABSOLUTLY DO NOT Negotiate interest rates and I could make additional payments to reduce the loan. I thanked her and hung up. I am not asking that they change me no interest, I was asking if they would lower the interest to a more reasonable rate, since I am in good standing and have proven my ability to repay. I was misled by the initial paperwork I received and that this company clearly takes advantage of the public. I am paying back over 50 % in interest and processing fees. This is unacceptable and other consumers should be warned of this scam. A person should not need a magnifying glass to read the fine print, it should be clearly spelled out for them. I believe these business practices to be deceptive and misleading and this company should be held accountable for the people they have taken advantage of.