davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (ME)

I got a phone call from Receivable Performance Management stating XXXX XXXX had reported debt in my name to their agency in the amount of {$69.00}. Although I had canceled my XXXX XXXX account a year ago and physically went to their office paid my account to {$0.00} with confirmation. RPM collection agency advised me to pay it to avoid the account going to collection then reach out to XXXX XXXX to determine where this amount derived from and dispute it with them. XXXX XXXX has stated legally they can not tell me anything about the account since they passed it off, and RPM has stated the same. This is very poor practice and seems like a way for companies to rip off consumers and create fake write off 's to the IRS. Especially for folks who are concerned about credit, pay on time and they know we will make the payment even if it is not accurate to avoid a collection that could cost us more in the long run.
Consumer complaint received 2018-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (VA)

On numerous occasions since opening a checking account in XXXX, SunTrust Bank changes the manner in which they manage your checking account so they can pad your account with fees. I most recently ( XX/XX/XXXX ), had a situation where my money covered everything that came through, yet they used their ATM fee to charge me a {$36.00} fee. I was told that they would not reimburse and came up with a new excuse. In addition, if you have overdraft, they will attempt to pull from it, even if you have nothing in your savings, then charge an additional fee for trying to pull from that account. I am on the phone with the bank almost every 2 weeks for some problem, and there is always a new excuse. I have never dealt with a bank that caused so much aggravation. I will be discontinuing my relationship with them. The online banking is horrendous and never accurate. They have a new answer for every incident. First, they say checks do not so there is no way to resolve any overages to avoid fees, yet a check I wrote was showing as pending yesterday. Again, I believe that they are padding accounts.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (NC)

Failure of mortgage servicer to automatically terminate PMI once the LTV reached 78 % without requiring an appraisal. This date was provided to me during closing with the loan underwriter. The date was XX/XX/2019. The amount is {$80.00} per month. So far, the total is {$240.00}. I initiated a request via phone then followed up with an email. The method of communication was requested by the loan servicer.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I called and spoke with a member of their team known as XXXX I asked for my account to be closed and he stated a confirmation letter would be sent to my current address. I received a confirmation letter with that same date We have close your Kohls charge account as requested. 

On XX/XX/XXXX I received notification from one of my other credit cards ( XXXX XXXX ) stating they would be unable to continue to allow me to use my credit card due to my deceased status on my credit report. I ran a credit report through each of the credit bureaus and each of them showed the Kohls account status as consumer deceased. 

I called and spoke to XXXX on XX/XX/XXXX and he had me go to a local Kohls store to prove I was very much alive. I show two forms of ID and they said within 30 to 60 days they would remove it from my credit report that they had missed keyed their entry. They also stated I would get a letter confirming their mistake in 2 weeks. 
All of this information was confirmed by a supervisor named XXXX employee number XXXX. 

XX/XX/XXXX I called as I had still not received the letter and spoke to XXXX as well as XXXX employee number XXXX who states that the card was closed due to me being deceased they are just now opened a dispute with their company as of XX/XX/XXXX. The resolution of this phone call with stated that the status on my account would be updated in 24 to 48 hours and the credit bureaus were already told as of XX/XX/XXXX that I was not deceased. 

XX/XX/XXXX I received a letter from Kohls stating that I had recently requested a Kohls credit card account be re-open but they were unable to process this due to missing income. At no time have I asked Kohls to re-open my card I am simply asking them to correct their error in keying my credit report as a deceased consumer. When I called on XX/XX/XXXX again I got the same answers of they hadnt started yet but that I would get a letter as soon as they had. 

I have filed a dispute with each individual credit report all of which have returned to me having corrected the deceased portion however today I spoke with XXXX and they stated that Kohls was still reporting me as deceased and though they can fix it internally until Kohls fixes that my credit report will remain troubled. I would have to call every time and tell the credit bureaus I am not deceased until I can get Kohls to fix their internal error.  Unfortunately I feel I can get nowhere with Kohls they are refusing to admit error on documentation or fix their error in mis-keying my account as deceased.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Thank you for the deletion, i am forever grateful as a reporting XXXX XXXX XXXX on my credit was taken a burden on my eligibility to obtain credit, get proper housing, proper transportation
Consumer complaint received 2019-06-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northeast Recovery Solutions, LLC (FL)

XXXX XXXX XXXX sold the debt to a collection agency who is using hostility and aggressiveness to settle the debt. They are contacting family members and relatives without my permission, and also my previous employer after I asked them not to contact them. They are also using tactics by saying that there is a pending complaint or suit against me in XXXX county, and that they researched my employer and relatives that I did not put on the application to try to reach me.
Consumer complaint received 2021-11-12
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. (TX)

The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while XXXX XXXX has not done anything to address this matter. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NY)

In XX/XX/XXXX I attempted to have XXXX XXXX installed at my home. The company ran into problems connecting and after several attempts I said forget. The equipment didn't work on all of my systems so there was no use. I spoke to several people there and was told to take the equipment to XXXX and they would pack it up and send it back to them. I than purchase the system from XXXX XXXX. I was told that XXXX would pay for any disconnect fees. WRONG In XX/XX/XXXX my credit took a dip and after checking it out I found that XXXX XXXX  had sent the fees into collection. I have no idea what game is being payed
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit Systems , INC is reporting a debt of {$1800.00} from the original creditor XXXX XXXX XXXX. I was not notified of this debt prior to it being reported to credit bureaus. I have also requested validation of debt or a contractual agreement that this debt is owed and have not received any communications from creditor.
Consumer complaint received 2019-06-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Atm check deposit on XX/XX/XXXX {$4500.00} Atm withdrawal XX/XX/XXXX {$300.00} Atm withdrawal XX/XX/XXXX {$1000.00} Atm withdrawal XX/XX/XXXX {$300.00} Deposited item returned unpaid XX/XX/XXXX {$4500.00} Atm withdrawal XX/XX/XXXX XXXX
Consumer complaint received 2019-06-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

XXXX XXXX <XXXX> Wed, XX/XX/XXXX , XXXX XXXX to answers, me Hello, I hope you can help. 
XXXX XXXX transferred my loan to XXXX and in XXXX of 2019 XXXX transferred to a company called SLS. SLS will not work with me on updating my mortgage and are threatening foreclosure. 

I have provided them with all my monthly payments. 

I want to refinance but no one will refinance as long as SLS shows me delinquent. 

I am XXXX years old and I need to keep my home. SLS is the worst company ever. 

Regards, XXXX XXXX XXXX XXXX-XXXX-XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Associates Loan Servicing LLC (FL)

I get called on a daily bases, I dont always answer, i do have payment arraingement agree to XXXX a month for my private student loan debt, and my reloadable card has been charged, yet i continue to receive calls everyday, the calls started eveyday after i made my first payment back on XX/XX/2019, i get harress everytime i do answer, they keep asking for more and more money, they wont even let me politly off the phone, i have to get rude or hang up on them, they wont meet my budget monthly limit, they wont agree to stop calling me everyday, i can not work with this company on an acceptible agreement to solve this private student loan debt. The company name is Activate Financial. ( XXXX ) XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I RECEIVED A DATA BREECH LETTER IN THE MAIL THAT MY CREDIT REPORT HAD BEEN AFFECTED BY A DATA BREECH ON CHECKING MY CREDIT REPORT I NOTICED SOME INQURIES THAT I DID NOT PUT ON MY REPORT. THEREFORE THEY NEED TO BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT. THANK YOU, XXXX XXXX
Consumer complaint received 2019-06-19
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: TOYOTA MOTOR CREDIT CORPORATION (NC)

I started out by disputing this inaccurate late payment with toyota in XX/XX/XXXX.  I have still yet to get a proper investigation of this matter with either Toyota or XXXX and XXXX. Ultimately it is now on XXXX  and XXXX to remedy the problem because they are reporting the inaccurate item. The creditor toyota tells me to contact credit bureau and the credit bureau tells me to contact Toyota. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my XXXX online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.
Consumer complaint received 2019-06-19
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. (NC)

I started out by disputing this inaccurate late payment with XXXX in XX/XX/2018. I have still yet to get a proper investigation of this matter with either XXXX or XXXX and Equifax. Ultimately it is now on XXXX and Equifax to remedy the problem because they are reporting the inaccurate item. The creditor XXXX tells me to contact credit bureau and the credit bureau tells me to contact XXXX. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my Equifax online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (WA)

I wanted to open a savings account with XXXX XXXX they only have an app for interface, no branch or web access. I downloaded the app, filled out the info then they said I was denied because they couldn't verify me. I've lived in the same house for over XXXX, which I own. I dont see how they couldn't verify me. I checked my credit report, no suspicious activity, I have a good score, over XXXX. I contacted them to ask why, they refused to answer, just provided the same copy/paste answer the app gave me. feels like discrimination, otherwise why would they try to hide the reasons? if there are discrepancies with my personal information they are verifying I have a right to know so I can have it corrected. I'm not a criminal and that exactly how I feel I'm being treated, its not right. don't they have to provide an " adverse action '' report for me?
Consumer complaint received 2022-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO. (RI)

So I am working on my credit I'm trying to repair it. I have little debt but its various not all of my credit report well I was taking out a personal loan of 10 to {$15000.00}. I looked up various loan places I applied but then I got a phone call from a place claiming to be XXXX XXXX I had been familiar with that company had taken a few payday loans in the past he said I was approved for {$10000.00} so he had me go on my email open up something that had the XXXX XXXX logo on it and sign in my credentials on my end so this way he can send it to the lender they would give me {$10000.00} he was going to call me back in 45 minutes 2 hours later he calls me back and says that my credits to low that I need to send him XXXX send it back and then send it to an XXXX woman 's name on XXXX needless to say he sent XXXX to my account with a reversible transaction my account was locked from Chase Bank I called they had me call XXXX and XXXX to run virus scan on my internet change my email and my bank login credentials I did all of that. Stop it from being a reversal the lady from the bank. So needless to say I wake up in the morning and he still got six transactions of {$500.00} out of my account and I still can't get in touch with Chase Bank he also was threatening me and calling calling me an American XXXX XXXXXXXX saying all kinds of crazy stuff that he's going to ruin my XXXX check and make sure my license gets revoked all this stuff and needless to say this happened last night and it's XXXX the next evening and I still haven't heard from Chase Bank and I'm so scared because I had thousands of dollars in my account and now I'm down {$2000.00} overdrawn my entire family passed away a XXXX year old single mom the daughter with a XXXX XXXX I'm trying to do my best and he just XXXX everything up for me don't even know where to begin or what to do but I'd like everybody to be aware of companies claiming to be cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX it is a scam and I am not stupid all 's I did was quick awake sign into my login credentials and that guy got in my account even though I had everything changed these people are not playing these days they'll rob you will take your whole life away also threatening screenshots from the conversation through text I have the fake loan agreement I have him taking and putting the money out of my account I have my account dropping and how much I had a nap so much evidence it's actually a good thing it was on XX/XX/2022 all the way until today XX/XX/2022 and I still haven't heard from Chase Bank and I'm tired of this
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

I want to share my serious concerns about deceptive practices at XXXX XXXX XXXX. On XX/XX/, I had a routine check-up that left me feeling scammed and deeply disappointed. 

During the appointment, I was told I needed a costly XXXX XXXX  and XXXX XXXX, totaling {$3000.00}, with an additional {$7000.00} for a new XXXX. When I inquired about having the XXXX XXXX without the expensive XXXX XXXX, I was told it wasn't possible. I explained that I couldn't afford the XXXX XXXX, and the representative, XXXX, offered financing options to cover it. I specifically mentioned my concern about credit inquiries negatively affecting my score and asked if this would result in a hard credit pull. XXXX assured me it was only a pre-approval check and wouldn't impact my credit score. Trusting her, I proceeded with the application, which was approved at {$78.00} per month. 

However, I later discovered that XXXX had opened a credit card in my name without my consent with {$3000.00} limit, resulting in a hard credit inquiry. When I confronted her about this breach of trust, she showed no remorse. The dentist 's initial claim of {$7000.00} for a single XXXX  XXXX  seemed outrageously excessive, raising ethical concerns. 

Feeling deeply upset and deceived, I sought another dentist who offered the same procedure, including the XXXX XXXX, for only {$900.00}. The stark difference in pricing left me questioning the ethics of XXXX XXXX XXXX. 

To compound my distress, the unauthorized hard credit pull caused a significant XXXX drop in my credit score, lowering it to XXXX. Although I followed the dentist office 's advice to contact CareCredit to report fraud, they only rectified the credit card issue after a considerable effort on my part. My credit score has since recovered to the high XXXX. 

In summary, my experience at this dental office was marred by high-pressure tactics, unauthorized financial actions, and excessive pricing. I strongly urge anyone considering this establishment to carefully research their options and be vigilant against unethical practices that can lead to financial harm and emotional distress.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}. Please remove these accounts ASAP.