davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC (TX)

Company HCS ( Harverd collection systems ) constantly calls me over and over again about a medical bill they states i had service XXXX XXXX i explained to them i was not seen and i asked was this a emergency bill and what hospital is this amount coming from. The compant could not tell me exactly where the amount was coming from .I asked them several times to stop calling me and they keep contacting me harrassing me about debt i dont owe or dont know about stop contacting me they state i was the patient i couldnt have been unless someone used my information. i asked was it a child they said no either way it goes if it was for my child i would of provided insurance so they have the wrong person. The bill is on XX/XX/XXXX on new years day never been there send documenentation
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (AZ)

I bought a mattress last year. At the time of purchase, I agreed to pay 0 % interest for 12 months. At no time did the representative explain to me that if I didn't pay the full amount in 12 months, the company would charge me the interest rate for the entire 12 months. I am on a limited budget and tried to pay the full amount. The agreement was over XX/XX/XXXX. I have never missed a payment and had a balance of {$290.00}. When I received last months bill, the bank added {$190.00} in interest charges. I called the bank twice to see if they could work with me since I am on a limited budget and did not understand that I would be charged all this interest. They refused. I feel this is unlawful. First no one properly explained this to me at the time of purchase. In all good faith, I tried to fulfill the agreement, I asked if they could forgive the interest if I paid the bill in full. My sister said she would help me. They refused. Why do you keep letting these banks charge 29.99   % interest to begin with and then charge a ridiculous amount when a balance is almost paid of? 
I am writing to Congress. These banks have to stop their unfair business practices at the expense of the elderly. I want the bank to know this is unfair and they should be willing to work with someone who has a limited income.
Consumer complaint received 2022-07-24
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. (TX)

XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act 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 2020-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (PA)

Took out a loan in XX/XX/2020, online for {$2000.00}. No information sent regarding payments, interest, how to pay nothing. Spoke to a rep in XXXX who removed late fee, said that bills would be mailed and made sure it wouldn't be on my credit report. XX/XX/2020, no information received, rep states they have a different email. So now my privacy compromised, late fees and it is on my credit report as late. Rep would not remove fee or reverse information on my credit report. I paid all monies owed.
Consumer complaint received 2018-05-18
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. (GA)

This company under the Fair credit act is not authorize to report on my credit. I do not have a contract nor a agreement with XXXX XXXX XXXX.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020, I attempted to place a security freeze on my report with Experian online. I received an error message after I inputted my information. It told me to mail copies of documents and my personal information to a PO box .
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: BARCLAYS BANK DELAWARE (AL)

Account has been set on auto payment for over a year. I entered a new back account with the correct information and the Credit card company said the account number was in correct. Payment date that was Missed was XX/XX/XXXX and the next payment came out on XX/XX/XXXX. The bank reported 60 days late. Never contacted me about the matter.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH (GA)

The bank that originated my mortgage XXXX XXXX was bought by South State Bank and now the loan statement/payment invoice is mailed much later than before. It is not mailed until the XX/XX/XXXX of the month but the payment is due on the XX/XX/XXXX of the month same as before. If the statement arrives on XX/XX/XXXX or later, there isn't much time to mail a payment check to be processed by the due date. Considering there may be holidays or interruptions in mail delivery due to weather, etc. or if I am away from home when the bill arrives, it would seem that this arrangement is a deliberate attempt to force consumers to miss the due date which could have adverse repercussions. Before the buyout, I would generally have the payment notice in hand much earlier each month. Also, South State does NOT provide for online payments for mortgage only customers. I've been told that I must open a checking account with South State in order to make electronic payments and this would still require a two step process to transfer money into the checking account and subsequently make a loan payment from that account. This too seems like an attempt to generate additional fees for servicing the loan.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Systematic National Collection, Inc. (CA)

Debt collector ( XXXX XXXX ) first contacted me about a debt that he said I owed, I told him that I don't owe that debt I paid the person ..He basically dismissed me and said how do want to pay ..i said don't contact me anymore since you aren't willing to prove the debt. He has contacted me, my jobs HR dept, my supervisor has stated that it has become a interruption of work. Communication has made to stop all forms of contact but he continues to contact with mail, phone and employer contact. Once he even stated that he could use me if I didn't pay. Has been verbally aggressive on the phone at one point yelling out " HOW ARE YOU GON NA PAY CREDIT OR CASH, CREDIT OR CASH, CREDIT OR CASH ... .THATS ALL I WANT TO HEAR. ''
Consumer complaint received 2022-03-07
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: Reliant Capital Solutions, LLC (LA)

Account was deleted from credit file because company did not respond back in a timely manner. Company had account replaced back on credit file which is in violation of the consumer credit report act.
Consumer complaint received 2018-05-18
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. (CA)

XXXX XXXX did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but XXXX XXXX   refused to help me. 

It is unfortunate, but XXXX XXXX Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While XXXX XXXX may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act 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 2021-04-13
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. (NY)

There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

My complaint is with XXXX XXXX Credit Card. This is in reference to a balance on my credit card of late fees that are assessed on a late fee balance. In XX/XX/XXXX I made a purchase. This purchase appeared on a XX/XX/XXXX statement with a due date of XX/XX/XXXX. I paid in full on XX/XX/XXXX ; however, this was late and a late charge was assessed. The late charge was paid late and incurred another late charge. I contacted them on XX/XX/XXXX ( copy attached ) regarding this and to no prevail. I requested closure on the account and paid a late charge of {$32.00}. A late charge balance remained of which has incurred another late charge. I have contacted them via phone in XX/XX/XXXX and have not been able to resolve this. 
I confirmed my account status was closed and the balance on the account was a late fee. 
The Customer Care Representative indicated there was nothing he could do and failed to notify that continued late fees will be assessed ongoing. I have not been able to resolve this with the company. I feel that this falls under the Credit Card Act and double jeopardy for charging multiple late fees on a late fee balance. I am asking for assistance with this matter. I am concerned that how can a company continue to assess multiple late fees on their own charges to this account. 
I have attached documents : A. Copy of credit card aggreement relating to fees. This area is not explicit and makes no reference to the ability to assess late fee on their own charges to the account. 
B. Copies of internet interactions with the company C. Copies of statements from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of nd being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-07
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. (GA)

Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The credit counseling company helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For 1 1/2 years, we made payments to the credit counseling company and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even XXXX, Equifax, and XXXX XXXX. One of the companies that we have struggled with is XXXX 's. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to XXXX, XXXX, and Equifax. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but XXXX late marks on our credit? On XX/XX/XXXX, we sent another letter to XXXX 's again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXX 's or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXX 's and all three agencies. At this time we requested that XXXX 's send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXX 's requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to Equifax, XXXX and XXXX XXXX we were once again told the found the information to be accurate. We don't understand how this is possible.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act 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 2022-06-20
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX XXXX 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 2018-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AMERICASH (WI)

I had taken out a loan for XXXX last XX/XX/XXXX and fell behind in payments. In XX/XX/XXXX. I filed a complaint and was given a payoff amout of XXXX. XXXX had said I had agreed when signing the loan to pay XXXX ( which I suppose with interest etc. would be accurate- but my loan was for XXXX- I never expected circumstances would prevent me from paying that off and having to pay the full XXXX ). XXXX told me the best deal he could make with me was XXXX, with a monthly payment of XXXX monthly from XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX a month consistently and on time, for a total of XXXX paid. Yet during this time I have continued to receive threatening letters with amounts that are not accurate. When I complain I am told to ignore them and all that I need to focus on is giving them XXXX a month from XX/XX/XXXX to XX/XX/XXXX. It is very difficult to trust and XX/XX/XXXX on paying this when threatened monthly with inaccurate information. In addition, I called recently as my employment status changed, along with a new car loan that I had to take on and supporting my XXXX daughter- and told them XXXX a month is no longer possible. XXXX, the man I call and pay monthly indicated he could stretch the loan out longer for about XXXX XXXX and something a month, then after conferring with XXXX ( the main boss ) I was told the best they could do was stretch it out by one month and I would owe XXXX a month, which is not possible. I just missed my XX/XX/XXXX payment ( first payment missed in 6 months ) and I am getting numerous phonecalls. Most troubling however is I got another letter recapping a broken promise. It has a past due amount of XXXX and is demanding payment in full. I am traumatized and baffled- if our promise was XXXX and I have paid XXXX the remaining balance is XXXX. If they accelerated it to the full XXXX - I still paid XXXX which leaves the balance at XXXX. Where is this XXXX coming from? The amount on the letter ( as always ) is confusing and misleading. anytime I call in the past- I am just told not to worry pay the XXXX until XX/XX/XXXX and I am fine. I can't continue to pay and blindly trust esp. when this amount per month is creating a financial hardship.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has posted five different amounts on for same account number to my credit accounts. Furthermore, I never entered into any agreement with them or the people they represent. I never signed any obligation or promise to pay nor am I accepting any charges to me from either. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has also reported two different amounts on same account, as well as a payment, none of which are mine. I have never entered into any agreement or contract with them or their client obligating me to pay any amount. 

I have disputed all amounts and accounts with XXXX, XXXX   and Equifax several times, yet they have not resolved the inaccuracies. 

I have never agreed to, or opened any accounts, with these reporting companies so how can they destroy my credit?
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I have not lived at the addresses listed except for XXXX Fl. 
The other addresses are my ex husbands where I never received mail nor did I ever live there. This is fraud! I only have XXXX XXXX credit card these other accounts are not mine. Please help me and direct me what to do. I want to file a complaint and charges against this person. 
Thank you XXXX
Consumer complaint received 2022-06-20
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. (FL)

In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX XXXX 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 2018-05-18
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. (NJ)

Item was deleted off my credit report before, I check my report recently and discovered it has return. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they are required to notify me of the reinsertion in writing within 5 business days. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for there blatant disregard for the law.