davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
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: BARCLAYS BANK DELAWARE (OH)

Last year, I made an online purchase for a battery powered XXXX nail XXXX. The charge amount was {$76.00} and it was placed on my XXXX XXXX XXXX XXXX XXXX XXXX. The company took quite a long time to send me a package. When they did finally send me a package, it was a pack of disposable face masks - NOT the nail XXXX. So I requested a refund from the company. They wouldn't agree to that, but said they would send me the original item. Because of how long it took disputed the charge with my credit card, and because this company was from out the country and I felt this was probably a scam, I would not agree to that. I just wanted a refund. So I disputed the charge with XXXX. Initially, XXXX 's negotiated a settlement with the company : they would let me keep the face masks and refund some of my money less {$15.00} for shipping. Then a second offer was made to me to refund my money less 10 % of the purchase price. I declined both. Why should I pay for this mistake? I just want my money refunded. All of it, not part of it. After I told this to XXXX, they kept my investigation file open and kept saying to call them back in XXXX weeks. I did this several times. At one point, they even closed my file but didn't tell me about it! So they reopened it in XX/XX/XXXX, and asked me to send them a picture of the wrong item XXXX the face masks XXXX. So I did that by fax. I kept following up with XXXX after that, asking for a status on my dispute, and questioning if they received my fax. and they kept saying, call back in XXXX weeks. So I would call back and get the same instructions. Finally, in XX/XX/XXXX I asked for a supervisor. The supervisor called me back XXXX weeks later and said it had been too long and they closed my file! This is not right. XXXX is responsible for not following up with ME. I received no letters or phone calls from them, just " call back in XXXX weeks '' whenever " I '' called THEM.
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 was paid
Company: Southwest Credit Systems, L.P. (NE)

I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with SW Credit Systems, I disputed it with them as well, then they " sold '' my account to XXXX XXXX, Or XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.
Consumer complaint received 2018-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. ()

On XXXX, 2018 I tried to get through to someone at Equifax as I paid for a look at my credit score. It took me a very long time to reach a person and I believe they were located outside of XXXX. They could not help with my log in issue and said it would take 1 week to verify who I am. They rate my score far lower than XXXX and I can not easily cancel my subsciption or dispute old and out of date information. This credit company is unethical and has the ability to ruin peoples lives. They should be shut down due to shoddy practices and no ability to reach someone who speaks English fluently. This is a scam agency who tries to get you to " pay '' in order to fix mistakes on your credit report. No consumer should use this agency.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (TX)

I have been contacting XXXX, XXXX, and Experian for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but XXXX in particular are not cooperating and is insisting that they have not received any of my complaints or documentation. 

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 crushman vs transunion and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : 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 auto fiancing, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX The collection accounts that are not accurate are XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2018-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

Refusal to comply to questions regarding Predatory Lending violations of CT Predatory lending law by telemarketing. 
No mortgage protection insurance offered to 2 elderly people aged XXXX and XXXX years of age. 
Refusal to release information of 2 telemarketers : XXXX XXXX XXXX XXXX XXXX. 
Refusal to release transcript of telemarketers. 
No offer of better program to suit an XXXX & XXXX year old couple except to offer a XXXX yr.refi. which an XXXX & XXXX yr. old would never live to repay and render the one survivor into foreclosure or homelessness on one monthly social security stipend. 
No attorney present to answer borrowers questions. 
Parents are now deceased & their home was quit claimed to me. I made payments for 3 and 1/2 years until learning of the loan 's fraudulent inception and began asking questions to no avail. That is when I ceased making payments. 
However, under stress from Wells Fargo I offered {$20000.00} as a " short pay off '' from a reverse lender. Wells Fargo refused the offer. The XXXX loan was for {$81000.00} & the {$20000.00} offer would have brought the loan to {$91000.00}.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been contacting XXXX, Transunion, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but XXXX in particular are not cooperating and is insisting that they have not received any of my complaints or documentation. 

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 crushman vs transunion and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX The collection accounts that are not accurate are 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 XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Someone tried to get a credit card using my information with XXXX XXXX XXXX  in South Dakota on XX/XX/2022. I only found out because of the membership I have with XXXX XXXX XXXX, sent me the attached report. 
I have all my credit " frozen '' with Transunion, XXXX, and XXXX however Transunion apparently " unfroze '' and did a " hard hit '' for this fraudulent card. 
I tried to work with the XXXX XXXX XXXX  who agreed it was fraud, but now I can not get anyone to send me anymore information to get the " hard hit '' off my Transunion report. My issue is Transunion, and the hard hit, as they hold me responsible for supplying information to delete the hard hit and XXXX XXXX XXXX  is done with it. I did call our local Police department here in XXXX Oregon and filed a police report ( which Transunion said they needed to clear this hard hit ) Transunion will not take the police report number which is XXXX. 
Also attached is the letter the bank XXXX XXXX XXXX  sent ( XX/XX/2022, and the follow up letter XX/XX/2022, to who they thought was the person requesting the card and the follow up letter even after I told them it was not myself but fraud. 
I appreciate any help getting this hard hit off my credit. I had nothing to do with it and am extremely disappointed in Transunion not helping as I am the one that has had fraudulent activity against my credit, and I can not seem to get the XXXX XXXX XXXX  to help now that their benefit is no longer in the mix. 
Any help is appreciated.
Consumer complaint received 2023-12-29
Product: Credit 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: AMERICAN EXPRESS COMPANY (MD)

I have unauthorized charges on XXXX of my American Express cards from a merchant called XXXX XXXX, XXXX NY. There are XXXX charges, dated XX/XX/XXXX through XX/XX/2023, totaling {$95000.00}. I do not recognize this merchant nor did I purchase or receive goods or services in those amounts. I opened XXXX fraud cases with American Express on XX/XX/XXXX. As of XX/XX/XXXX, the claims have been denied and closed with no explanation or supporting documentation, no contact information, and no appeals procedures. I have repeatedly contacted the AMEX Account XXXX XXXX at XXXX, but no one has been able to provide the information that I need. My AMEX case numbers are : XXXX for the account ending in XXXX, and XXXX for the account ending in XXXX. Both claims are in my name as the primary account holder ; my wife, XXXX XXXX, is listed as the secondary account holder on both accounts.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WV)

Marcus by Goldman Sachs refuses to transfer my money to any other bank. I've called them 4 times and finally spoke to the Fraud department. He asked to verify my Driver license number and I gave it to him. He said it's wrong and he refused any other assistance and hung up on me. I am completely unable to access my money.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  TEXAS, XXXX XX/XX/XXXX NISSAN ACCEPTANCE XXXX XXXX XXXX XXXX, TEXAS XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XX/XX/XXXX ( 19 RECORDS OF LATE PAYMENTS ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 

Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, and XXXX XXXX ACCOUNT # 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 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. XXXX and Transunion returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AZ)

XXXX Account number XXXX In Dispute as follows XXXX ) Received notice XXXX is XXXX to shut down their XXXX network, I would have to up grade my current phone or loose service. 
2 ) Contacting them was told because I have been with them for 10+ years they would provide me a free phone. I asked about my other line, ( wifes Phone ) and at first they said I would have to purchase it. But the sales lady ( recorded call ) did some checking and said she had gotten her supervisors approval to provide both phones for free.

3 ) I made it understood ; I would not enter into a contract for the service or the phones. I was assured the phones would be free with out obligation. I was also told my monthly billing would be reduced from {$56.00} to {$35.00}.

4 ) The cheap / junk - flip phones were sent to me and were impossible to activate, requiring a 1.5 hr trip to a XXXX store to have them working. 
5 ) I shortly received a monthly bill showing the same old charges with the addition of a monthly payment plan for phone purchases. I call customer service and was told the phones are indeed free, and that was just a way for them to track their inventory, the charge is offset by the credit. Asking about the plan reduction cost I was told I would receive, and was told it would show up in my next statement.

6 ) I then received a notice that XXXX had discontinued my simple talk and text plan and they would have to move me to their new plan which was also a simple talk and text plan, ( all they did was change the name of the plan ), and would be charging me additional money.. 
7 ) Confused at this point thinking, the plan increase would be off set by the {$35.00} dollar decrease making it what I was originally paying.

8 ) Received next billing statement, showing charges of {$70.00} +I called talking to customer service, stating these charges are not acceptable, I would be moving to another company, wanting t know the cut off date thinking some how I was paying a month in advance for the service. I was told service would stop 5 days past the billing due date. But I stilled owed for the phones, I explained to him, these phoned were provided to me free, I had no contract obligations before the phones, and at XXXX XXXX XXXX it is unacceptable for me to have any contracts, which I made clear from the very start of this now elaborate bait and switch scream. If you try to charge me for the phones, I would file complaints. 
9 ) XXXX XXXX 2023 now in receipt of a collection notice, 10 ) This whole thing has been nothing but a well thought out scam of entrapment Threw verbal Lies / word / E-contracts. I dispute XXXX claim I owe them money. I demand they stop attempts of collections, repair/ my credit report and apologize for this sickening attempt to become in justly enriched.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-07-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (GA)

on XX/XX/2019 I sent NCB MANAGEMENT SERVICES a Debt Validation letter they received it on XX/XX/2019 they didn't respond at all at first then I received a letter from XXXX XXXX XXXX claiming they are collecting the debt for ncb management and if I have any questions to contact them about the debt. but NCB management is still reporting the debt to the credit bureau 's on my credit report and they also have updated the credit bureau 's that the despute has been resolved but it has not been resolved. I have not been sent any validation of this debt and it has been over 30 days. I have not heard anything else from them on this matter but the debt is still showing on my report. they are breaking all the laws on debt and credit bureau reporting which states they should validate the debt when requested. I have included the letter I sent them and the letters I received back from them.