davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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 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 2018-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (CA)

I have a XXXX XXXX card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from XXXX XXXX and not from tsi. Tsi tells me its like XXXX-XXXX  more then the statement says when I try to pay them. I called tsi again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number TSI and hung up. Here is the number XXXX
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (OK)

FNB Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-06-14
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. (FL)

In accordance with the Fair Credit Reporting act 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 2018-12-11
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. (OK)

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX   {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
Consumer complaint received 2018-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I been in contact with the california Check cashing place in XXXX XXXX california due to a signature loan i obtained, i had been paying it until i lost my job. I called them in XX/XX/2018 to let them know of my situation and they refused to defer my payments until a job is obtain, i been trying to work with them and they refused to help. I also been asking for information regarding their interest rate on my loan they said that when loans are behind on payments that the interest accrued is different then those loans that are paid on time. I think is unfair and dont see why i am being penalized differently then any other person who pays their loan on time. My loan is for {$2500.00} and they said payoff is {$4700.00}, i dont see how this fair. I have no copies of loan term and they wont email it to me.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MN)

I cancelled my personal cellphone number because I need to carry my work cell XXXX and only want to carry XXXX phone. I neglected to change some phone numbers with accounts, including Venmo, and am now unable to access that account. 

I have provided Venmo with a copy of my passport, bank account information, and a screen shot of my cellphone setting showing the account is in my name. They will not work with me to update my phone number so I can access my account. They are requesting a copy of my cellphone statement, but I work for a major Corporation ( XXXX employees nationwide ) and the cellphone bills are only under the corporation name and I do not have access to that information. 

A friend sent me money through Venmo and because they will not accept the information I provided I am unable to access the money. Additionally, my friend is unable to cancel the transfer so that she can pay me in a different manner. 

I easily updated my information with PayPal, a sister company of Venmo. I am now seeking help to receive the funds owed, and close out my account with Venmo. They are the most difficult company to work with
Consumer complaint received 2021-04-12
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: Experian Information Solutions Inc. (CA)

I'VE PAID THIS ACCOUNT OFF AND XXXX XXXX XXXX AGREED TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT BUT IT'S STILL SHOWING. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I have requested several times that this debt be validated the information that was sent to me was not proper validation. There is no contract that I ever signed with XXXX XXXX XXXX.I was notified today that this account has been closed but in my correspondence I asked that this be removed from my credit file.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (CA)

This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account needs to be removed as it is fraudulent : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

On XXXX XXXX, I moved into a house I had just bought. Since I will need to purchase a lot of home improvement supplies, I signed up for the Lowe 's Hardware credit card through Synchrony in XX/XX/2018. Synchrony sent me a letter asking me to call them to verify my identity. They asked me questions supposedly from my credit report. They then sent me a letter saying they couldn't verify my identity. I sent them an original of my credit report to prove my answers were correct. XXXX XXXX at Synchrony sent me another letter dated XXXX XXXX saying they still could not verify my identity, which is impossible because I am me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

On XX/XX/2020my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was working with the Bank of America Home Retention Dept. to have my HELOC agreement modified. During the period of documentation, I paid the much higher payments that the HELOC required after it matured in XX/XX/2018. In XX/XX/2018 I was approved and was told to make three payments of only {$680.00} in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made the first payment in XX/XX/2018 but BOA told me that it had to be in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and not in XX/XX/XXXX. Of course, the Bank did apply the too-early payment of {$680.00} to my principal. Then I properly paid the XX/XX/XXXX-XX/XX/XXXX payments and was accepted into the Home Retention program by a written modification of my previous HELOC. ( The Loan Number at BOA remains the same. ) However,  the BOA computer was unaware of the Home Retention modification and of my being told to make the three payments of only {$680.00} in XX/XX/XXXX-XX/XX/XXXX. The computer was expecting me to make the much higher payments that I had been making from XX/XX/XXXX to XX/XX/2018. Accordingly, the computer declared that I was in default for four months, the months of XX/XX/XXXX-XX/XX/XXXX. As I have explained, I made the payments I was told to make for these months, the payments of {$680.00} per month. I was in fact told by BOA to ignore the notices from the Bank that said I was in default. She said, " just ignore those letters. You're going to keep getting them, so just ignore them. '' Therefore, my " default '' was not really a default at all, but has been reported to all three of the credit reporting agencies, harming my credit substantially. BOA has frozen my overdraft protection account and has reduced my credit card limit from {$27000.00} to {$7200.00}, all because of its reliance on a defective computer-made decision. Note that this was not a " mistake '' and would happen to everyone who, like me, was applying for a modification through the Home Retention Dept. The computer did what it was programmed to do. It wasn't a " mistake. '' It was a failure to program the computer systems at Bank of America to  communicate with each other, thus leading to " the right hand not knowing what the left hand is doing. '' My line of credit account is frozen, my XXXX credit card limit has been reduced from {$27000.00} to {$7200.00}, and my overall credit rating has been devastated. My " fault '' was doing exactly what BOA told me to do and never missing or late on a single payment. 

The attached letters from BOA demonstrate the inconsistency of its operations, leading to harm for the consumer. The first letter shows me owing {$11000.00}, and the second letter on the same HELOC number is a notice to pay the correct and newly modified payment, {$680.00}. The two inconsistent letters cover the same billing cycle dates.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CO)

I received a letter from I.C. Systems dated X/X/17, in regards to a delinquent debt from XXXX in the amount of {$56.00}. This is completely incorrect! XXXX had initially set up my account incorrectly and they closed my original account to fix the incorrect account, which is the account in question, and rolled over any amount due to my new account number. I am in good standing and have paid in full every month! I called XXXX and a very nice woman was able to resolve this matter for me and confirmed this was a XXXX error. She advised I file this complaint against XXXX so this does not negatively impact my credit. XXXX gave me a Reference # to confirm the delinquent amount of {$56.00} should NEVER have been charged at all or turned over to collections. This amount was incorrectly charged in the first place. I have had nothing but problems with XXXX from the very beginning and they have been unable to fix problem after problem! This is the last straw turning me into collections for THEIR error! They are an absolutely ridiculous company and I am sad I am currently stuck in a contract with them bundled with XXXX XXXX. What a horrible experience! I am happy to provide any account and reference numbers needed for this situation. Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Having consistently met payment deadlines, it is disheartening to find an error indicating a late payment on my account. This oversight is causing unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: COLLECTECH DIVERSIFIED, INC. (TX)

I received a letter from CDI dated XX/XX/2022 in regards to a debt they claim I owe. After receiving the letter in the mail, I mailed them a letter requesting validation of debt and cease and desist ( both requests were included in the same letter ). I later received a letter from CDI dated XX/XX/2022 that says " Enclosed is the information you requested to validate your debt. '' This signifies that they did receive the previous validation/cease and desist letter. After receiving this letter, I made a phone call to CDI to let them know I dispute the charges, to which they advised that they had received my previous letter and sent out the validation. They also advised that I would need to send in a written request to dispute the debt. On XX/XX/2022, I sent them a letter disputing the debts and asked that all collection attempts be stopped due to the dispute. 

On XX/XX/2022, I received a call from CDI in regards to the debt in question. I told them there was a cease and desist, to which they said they would not call again. On XX/XX/XXXX, I received another call from CDI and took the call further asking why they were still calling when I had sent in the cease and desist and had verified via phone that they had the information to no longer call me. The agent, XXXX, said that she did not have anything on file for me. They claimed they did not have any letters that I have sent. But she did say that they sent the debt verification letter in response to my request- which was the letter I had sent requesting validation along with cease and desist. I further questioned and let her know that it was a violation of federal debt collection rules to continue to call after receiving this letter. She kept saying that I could re-send those as they do not have copies. She also kept mentioning that she would list it as I " did not want to pay '' the debt. I reiterated that it was under dispute. She got frustrated and rudely hung up the phone on me. 

I called back and spoke with XXXX who identified herself as the manager. I asked the same questions and she said that she had instructed XXXX to disconnect the call. They would not answer why they had not kept any copies of the letters I sent to them, nor respond to why they have started calling me again. XXXX told me ( to paraphrase ) " as politely as I can, there is nothing more I can do for you. '' She said that they have now " removed '' my number from their database, but I have still yet to hear anything about my dispute of the charge.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I've contacted each of the XXXX credit bureaus regarding hard inquiries on my credit reports they are inaccurate. On my transunion report they are several of the same thing. I've notified them that they were not authorized and asked them to be removed. I have credit monitoring. I monitor my reports religiously.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (LA)

I had a contract with XXXX after the contract ended I kept paying on a month to month for $ 25 month for a second line. I paid my bill and they tried to say I did not and charged me {$120.00} which was not on my month to month. I sent them the receipts and called them several times over the years I have disputed this bill each year and have told the collection companies what happened. I wish that someone can stop them I don't owe anything on this bill. I wish they stop selling it to all these different companies because they are not getting anymore money the bill was paid in full.
Consumer complaint received 2018-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Consumer complaint received 2022-06-14
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX BANK XXXX has violated my rights XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My father and mother are both died .my mom passed away XX/XX/XXXX and my father XX/XX/XXXX. They never asked for help, and I'm not a student.they where both gone.someone is acting as if they are my mom and dad.even at my father 's work place.succussers and assignings are the ones that are taking out lease or loan under my dad 's house.my father paid off the house Wright before he'd passed away.these people took a loan out under my father 's estate.i don't have the money to pay off this new loan.so know they are trying to take my father 's estate away from me.im my father 's executer of his estate.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

I made an additional payment manually after the auto payment posted. Unfortunately, the extra payment was returned NSF by my bank. My credit account is in very good standing and has never been delinquent. 
I inquired with the XXXX XXXX XXXX and was informed that if a second NSF occurred in the future, my account will be automatically closed. It follows that only one returned payment due to NSF is allowed by the policy of the bank, regardless of if the NSF results in a missed on time payment or not. 

I believe it is very unfair and unnecessarily adversarial to count a voluntary additional payment returned NSF, to count as the single allowed NSF before the account is closed if a second NSF occurs. 
Now, I worry that should a second NSF occur for whatever reason, the axe will fall and my account in good standing will be closed even thought the payment that was returned NSF was an additional payment that did not result in a failed on time payment, or late payment.