davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (GA)

This is bothering! I have been disputing my Credit File for you to remove the fraudulent accounts and information you report on my Credit File! But despite my multiple attempts my Credit File still includes a number of fraudulent items being reported! I have been requesting that you send me copies of documents you found from your investigation supporting your claims that the disputed items belong to me, and yet I received nothing! It should have been expected that the disputed items be removed from my Credit File since you are unable to support your claims! I demand you to comply with the Federal law, Fair Credit Reporting Act section 605b, and remove the fraudulent accounts and information off from my Credit File. I need you to remove the following items 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  You have been disappointing and failing me multiple times proving the rumors that you are not willing to execute your responsibilities! Under the Fair Credit reporting Act section 605b, I command you to remove the disputed fraudulent accounts and information off from my Credit File!
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Home Loan Center, Inc. (PA)

This company contacted me about a loan said they worked for XXXX XXXX I gave him my information and was told the money would be in my account his name is XXXX XXXX and his number is XXXX I changed my password and notified my bank but they may have gotten other people
Consumer complaint received 2019-05-08
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. (FL)

On XX/XX/19 TransUnion dropped my Credit Score " Fico Score 8 '' from XXXX to XXXX a staggering 41 points. I called TransUnion, they stated my XXXX XXXX XXXX ( Master Card from XXXX ) did not reported a balance for this period. I filed a complaint with TransUnion and after a while I received a letter with the results of a reported balance of {$300.00}. Right after this they dropped my score another 6 points - a total of 47 points from XXXX to XXXX and I accuse they doing it out of retaliation! For the entire year I had scores from all 3 major Credit reporting agencies at XXXX and above! Never paid late, not one hard inquiry and the average credit use is 2-3 %. The other 2 agencies still kept my score at around XXXX - right now XXXX. This credit rating unjustified and completely out of line compared to the other ratings. This is damaging my credit status!
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I applied in my bank to consolidate two credit cards. One is mine and the other other one is from my partner. We paid off the credit cards together due the fact the we both are working to refi our home. Capital One in XXXX cashed both check and only paid off one credit card. I submitted a claim and sent all the information provided by my bank and they are unwilling to process my claim and paid off the second credit card
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX {$0.00} XXXX {$14000.00}
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

New car financed through XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX totalled XX/XX/XXXX, XXXX rec 'd full payoff in XX/XX/XXXX. Employee at XXXX in XX/XX/XXXX made error and brought car out of total in system and marked us as 120 days late. WE NEVER EVER MADE ANY LATE PAYMENTS THROUGH CC!!!! I have spent OVER 2 dozen hours on the phone OVER the past 4 years to have this removed off my credit reports TO NO AVAIL. It has cost me credit and interest rates. It still shows up in XXXX " everyday system '' as 120 days late, even though not one payment was even a day late! ENOUGH!!!!!
Consumer complaint received 2019-01-31
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. (TX)

In XXXX i sent equifax a letter from XXXX XXXX that they were deleted account off my file, its been off for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX its appears back on my file dropping my score 50 points, this is the third time equifax have place this back on my file since XXXX XXXX took it off, and they blames the company that they reported it, i talk to XXXX the owner and he stated that he did not report it and that equifax is not telling the truth, so he said he will Remove it again, but its a shame how equifax place things back on people credit dumping they score, its depressing and down right illegal, can something please be done, by governor equifax for doing such thing
Consumer complaint received 2018-05-24
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 several certified letters to XXXX, Equifax, and XXXX   to validate the accuracy of XXXX XXXX XXXX. I have asked the creditor to validate the amount, address, any videos of me due to the fact of being a fraud victim. XXXX XXXX is only replying to XXXX, Equifax, and XXXX with the words VERIFIED.
Consumer complaint received 2021-07-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent dispute letters to XXXX, Transunion, and XXXX  and the investigation took well over 30 days.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Patriot Finance, LLC (GA)

I attempted to get a personal loan from this company. I was appalled when they asked me for sensitive documents ( i.e. with Pii ) via *** email ***. Email is pretty much the worst way of transferring data, as it is not secure. Please look into the practices of this Patriot Finance company regarding how they handle their potential client 's personal information. In fact, I wonder if they are even legit ... because any legit company these days would have a secure portal for providing sensitive documents. ( they did provide a fax option, but who really does that anymore? ) The following is a copy/paste of their email to me ...

XXXX Thank you for your recent application.

In order to begin processing your loan, our underwriting team will need you to please provide the following documents : 1 ) Copy of your state issued ID ( Drivers license, etc. ) 2 ) Copy of your most recent pay stub.

3 ) Copy of your most recent bank statement. 

Please either respond to this email with the documents or, you can send via fax at XXXX. 

If you have any questions about your application, please call us at XXXX. We look forward to working with you.
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

XXXX XXXX located in XXXX, NY billed for an ambulance charge. Submitted my insurance information several times and they refused to bill insurance. The put me in collections with Wakefield and Associates. I put in a complaint with XXXX XXXX and they finally submitted it to my insurance and the bill was paid in full but my credit report still reflects my account in collections and unpaid. I tried communicating with both companies and they blame each other. Tried to dispute it with the credit bureau and they refuse to remove it even when I show proof that the claim was paid.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (WA)

I would like to express my frustration and lack of empathy and transparency I experienced in my interactions with Ally Bank. 

I issued 2 checks for {$50000.00} each to my husband who deposited it using mobile deposit to his account at XXXX XXXX At around XXXX PST on XX/XX/28 I received a call from Ally Bank 's fraud department who confirmed verbally that I had indeed issued the checks and they confirmed that the checks would be allowed to be encashed. But unknown to me, according to Ally Bank transaction records, they had already returned the checks due to a mysterious " Irregular Signature '' reason and rejected them. They did this at XXXX XXXX which was about 3 hours even before their fraud department bothered to call me to confirm the checks on my account. 

And due to their actions, the checks bounced and my husband was charged {$14.00} in returned item fees by his bank. We wanted to use the money for a down payment and because of Ally Bank 's callousness, we couldn't do it. 

I contacted Ally bank today ( XXXX ) and spoke to their phone banker who said that it was the " other '' bank who rejected the checks. My husband contacted XXXX XXXX who confirmed that it was Ally Bank that rejected the checks and they had no part to play in it. I am attaching the screenshot of that communication with this issue.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding/XXXX per XXXX credit report XX/XX/XXXX Midland funding est fall off date XX/XX/XXXX looking at XXXX XXXX, midland funding was removed from credit report XX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; midland funding was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXXl XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-SOL for PA is 4 years and previously midland already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed
Consumer complaint received 2018-05-24
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: Credit Karma (MI)

1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX- unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX/XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )
Consumer complaint received 2022-11-23
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. (LA)

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.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CT)

In XX/XX/XXXX, I received a bill from Genesis Credit Card Service for a purchase made in the amount of {$1000.00} made at XXXX XXXX on XXXX XXXX. I contacted Genesis to report a fraud charge because I did not make this purchase, at the time I was at work in Connecticut which proof can be shown as I work for a XXXX  XXXX. Also my XXXX credit card was closed in XX/XX/XXXXwhich is state on my credit report nor is this new credit card they opened is on my credit report or history. Genesis opened a case, the company responded with a letter in XX/XX/XXXX with details of who made the purchase, their ID information. My XXXX name is XXXX XXXX who resides in Connecticut the person who made the purchase is XXXX XXXX who provided a Georgia ID. Though are names are similar, these are two different individuals. I tried to explain this identity error to Genesis that the person opening the credit card for XXXX XXXX used an existing credit card profile ( basic details such as address and phone number ) that I had at XXXX which was closed back in XX/XX/XXXX. There is a mixup because when I call Genesis and provide my social security number, no details of purchase shows up on my name however i keep getting the bill and debt collection call. If the person working at XXXX did their due diligence in verifying the details while opening a credit for a new person this would not have happened and I need this issue resolved as Genesis seems to be uncooperative to understand the issue at hand. I spoke to an account manager there and he was very ignorant saying XXXX XXXX is short for XXXX XXXX. This is not the case because these are two different individuals, and the managers assumption failed him to provide decent customer service. I need this identity credit card profile mixup resolved asap because I have proof of my identity and I did not make this purchase. They sent me a credit card that isnt mine and added my address and phone number to the wrong indivdual. If this isnt resolve I will contact a lawyer.
Consumer complaint received 2018-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BB&T CORPORATION (VA)

I attempted to send {$300.00} to my son via XXXX on XX/XX/XXXX. I used my smart phone and sent the funds to his cell via text. My son only has one number listed in my smartphone phonebook. The transaction went through and the funds were immediately withdrawn from my account. On XX/XX/XXXX I discovered that my son never received the money. I filed a complaint with my bank. A claim was investigated and I was informed today that my request for reimbursement was being denied. The recipients financial institution will not return the funds and neither will my bank.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AR)

My TJX Rewards Mastercard account was closed by Synchrony Bank on XX/XX/2021. The company claims that I had added too many authorized users to my accounts. Upon speaking to a representative, I was told I was allowed 6 authorized users ( even though the page only allows five ). There is no public information telling me how many authorized users that can be added and I was in compliance either way.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (IA)

The phone number calling is:XXXX. I received XXXX calls between XXXX XXXX and XXXX XXXX ; sometimes getting XXXX calls a day. Most of the time I would answer and they would hang up. Once in that time a recorded message said " Please be advised this is not a telemarketing call ; this is a business call for ... CLICK ''. 
On XX/XX/XXXX the same ph. # came up, I picked up and said " hello '' several times, nobody said anything but they did not hang up right away, so I said '' You interruppted a very important call, you 'd better say something this time or DO NOT CALL BACK, STOP CALLING THIS NUMBER! Then they hung up. 
Later that same day that number called again. I answered, again, they said nothing. I said, " I TOLD YOU NOT TO CALL BACK, I AM REPORTING YOU. STOP CALLING ME ''. I then submitted a claim to the Do Not Call site, as I have been on that registry for years. 
On XX/XX/XXXX they called not once, but twice. The first call that came in I was able to say '' YOU HAVE BEEN REPORTED, DO NOT PHONE THIS NUMBER AGAIN ''. 
On XX/XX/XXXX another call came in on the answering machine, so I again submitted a complaint. 
Today, XXXX XXXX, The message on the answering machine was different. Still a recorded message. The message said XXXX XXXX was a debt collector looking for? XXXX XXXX? If I continued to listen to the message then I was acknowledging that this person was at this number. 
I was not home when this call came in. This entire call was a recorded message. I do n't know who they were looking for. I could not understand the name, It sounded like XXXX XXXX, XXXX XXXX,???? I do n't know. But, I do know that this phone number has continued to call here after being reported XXXX, and told several times to stop calling. This is the first time they gave any names. Of which I do not know any of them. I do not know who this XXXX XXXX is. I do not have any debt anywhere. The end of the message said if I had any questions to call XXXX. 
I did not and do not plan on calling that number. I do n't need another number phoning me all the time looking for someone who does n't exist, at least, not at my home. and is n't a name I recognize. 
If you can do something about this, that would be great I am not happy with this caller phoning now a total of XXXX times between XXXX XXXX and XXXX. It is very annoying, and harassing, and I really would like it to stop if that is possible. Thank you for your time in reading this. 
***I WOULD LIKE TO SUGGEST THAT YOU NOT GIVE THEM ALL OF MY IDENTIFYING INFORMATION AS I DO NOT HAVE ANY DEBT OF ANY KIND WITH ANYONE. AND THE PERSON THEY WERE LOOKING FOR, WAS NOT ME, BUT SOME PERSON, BY A NAME THAT I DO NOT KNOW.
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

Consolidated loans after graduation XX/XX/2016. Had set up up automatic repayment options. Thought they were taking out payments. Every month I would sign into Navient and try to make a payment however the monthly statement said XXXX for nearly a year I struggled to get them to accept payment. This caused interest to accumulate on my account that my whole payments were being applied to interest. I made several payments where 100 % of my payment went to interest nothing to principle bc they have XXXX statements. Still my statements claim I owe XXXX. But after confronting them, they finally started automatically applying my XXXX payment to my account. Total Ive paid in extra on interest because they would not accept payments. Then randomly they finally autodrafted the payments that I had been requesting to come out. This has resulted in capitalization of interest that I tried to to not have happen. Its wrong that they have been allowed to steal nearly XXXX dollars in interest because they refused to allot account balance. Ill be paying off student loan debt longer because of these miscalculations on their part.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NY)

A False claim of collections has been on my financial records for over two years. 

A false claim was reported to the Simmons Collection Agency. 

The Buisness ( a dance studio ) falsified records stating that I paid tuition for my XXXX children to take " recreational dance ''. This is not true. My Children were selected and I enrolled them, and paid for in full at the beginning of the year for the required classes for Competative Dance. 

I alerted them ( The Simmons Agency ) that the collection was false MANY TIMES. 

We hired a lawyer to communicate to the Collections Agency and the buisness it represents the Debt and impending Collections was fraudulent. 

I have calledSimons Agency many times. It has been almost 3 years of communication! 

Today I sent in even more supporting documentation asking them to take it off my credit report immediately. 

The Dance Studio that has made this Collection has falsified records and is being vindictive because they did not want to refund funds that they owe me including tuition, competition fees and costume fees. This is a false claim on my fanancial record!. It is on my credit report and is causing continual financial harm. We did not " drop '' dance classes as states in the contract. The girls were kicked off the Team in the middle of the Competition Season, after we paid for all fees, costumes and tuitions, in full, upfront.