davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
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. (MD)

TransUnion report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by TransUnion stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by XXXX with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was TransUnion.
Consumer complaint received 2019-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC. (FL)

I keep getting calls about my debt and I am going to go to jail and be sued. They keep reporting on my credit as well that it is delinquent. This account has been satisfied years ago. They won't stop.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Around XXXX or XXXX of 2019, XXXX decided to charge the joint credit card XXXX XXXX XXXX by XXXX to renew my XXXX membership ending in XXXX without my authorization or permission. I had over a year without using the XXXX XXXX credit card ending in XXXX and had always renewed my XXXX membership at the store and paid cash. When XXXX charged the credit card, I was not aware because I never received a statement until I started receiving collection letters from XXXX and saying I was 90 days late with the payment. I called XXXX at ( XXXX ) XXXX and spoke to CSR XXXX. XXXX apologized and promised to reimburse the payment to the credit card, waive all late fees ( which they did ) and remove any negative activity from my credit report ( 90 Days Late ). I also filed a dispute with all 3 credit agencies, TransUnion, XXXX and XXXX. XXXX made XXXX credit me for the unauthorized payment, remove all interest charges and all late fees plus closed the account. The 90 days late was also removed from my credit report and brought my FICO score 93 points back up to XXXX from XXXX. When I check my credit again in two weeks, my credit score had gone back down to XXXX and the 90 days late is back on my credit history. I opened a second dispute and within a week, my FICO score was back up to XXXX and the 90 days late was removed from my credit history. Today, XX/XX/2019, I check my credit again and my score has gone back down to XXXX and once again, the 90 days late appears in my credit history. I called TransUnion credit agency and the CSR told me that when I open the dispute, they sent a letter to XXXX but they never reply back to the dispute so they automatically remove the 90 days late from my credit history and my FICO score goes up 93 points. But XXXX continues to report the 90 days late to the credit agencies and reason why my FICO score keeps going down and I keep seeing the 90 days late on my credit report. TransUnion told me to continue to open a dispute every month until XXXX stops reporting the Late Payment. I would like an investigation because I believe XXXX and XXXX have made an unauthorized charge to my credit card, have damaged my credit and XXXX continues to damage my credit even after a dispute was opened and my credit was repaired and XXXX removed the unauthorized charge, all late fees and interest fees. I would like an investigation to see if this has happened to other consumers and I would like and investigation to see why XXXX keeps damaging consumers credit even after knowing that the charge was made without the authorization or permission of the credit card holder. I want you to contact both XXXX and XXXX regarding this problem.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

Around XXXX or XXXX of 2019, Costco decided to charge the joint credit card Costco Anywhere Visa by Citibank to renew my Costco membership ending in XXXX without my authorization or permission. I had over a year without using the Costco Citibank credit card ending in XXXX and had always renewed my Costco membership at the store and paid cash. When Costco charged the credit card, I was not aware because I never received a statement until I started receiving collection letters from Citibank and saying I was 90 days late with the payment. I called Costco at ( XXXX ) XXXX and spoke to CSR XXXX. Costco apologized and promised to reimburse the payment to the credit card, waive all late fees ( which they did ) and remove any negative activity from my credit report ( 90 Days Late ). I also filed a dispute with all 3 credit agencies, XXXX, XXXX and XXXX. Costco made CitiBank credit me for the unauthorized payment, remove all interest charges and all late fees plus closed the account. The 90 days late was also removed from my credit report and brought my FICO score 93 points back up to XXXX from XXXX. When I check my credit again in two weeks, my credit score had gone back down to XXXX and the 90 days late is back on my credit history. I opened a second dispute and within a week, my FICO score was back up to XXXX and the 90 days late was removed from my credit history. Today, XX/XX/2019, I check my credit again and my score has gone back down to XXXX and once again, the 90 days late appears in my credit history. I called XXXX credit agency and the CSR told me that when I open the dispute, they sent a letter to CitiBank but they never reply back to the dispute so they automatically remove the 90 days late from my credit history and my FICO score goes up 93 points. But Citibank continues to report the 90 days late to the credit agencies and reason why my FICO score keeps going down and I keep seeing the 90 days late on my credit report. XXXX  told me to continue to open a dispute every month until Citibank stops reporting the Late Payment. I would like an investigation because I believe Costco and Citibank have made an unauthorized charge to my credit card, have damaged my credit and Citibank continues to damage my credit even after a dispute was opened and my credit was repaired and Costco removed the unauthorized charge, all late fees and interest fees. I would like an investigation to see if this has happened to other consumers and I would like and investigation to see why CitiBank keeps damaging consumers credit even after knowing that the charge was made without the authorization or permission of the credit card holder. I want you to contact both Costco and Citibank regarding this problem.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Three transactions were presented at the same time. It was the order in which they were presented and I was charged a {$35.00} handling fee.

The three transactions were onXX/XX/XXXX. {$1200.00} transfer, {$25.00} debit card and XXXX   debit card.

I requested bank to review order of transactions, remove the fee and deny the {$22.00} transaction since it had dropped off the account for two weeks, and then resurfaced. Either don't charge me the fee since all transactions were approved and processed when made, or deny the transaction that came back and should not process.

I did not sign up for banks overdraft on purpose.

I would appreciate your review and see what can be done to return the overdraft fee.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Equifax failed to provide me with my free copy of my annual credit report as required by law. I sent a written request on XX/XX/XXXX 2019 and attached a copy of my final divorce order reflecting a name change, driver 's license with my current address and a new name, and a copy of social security card. 

On XXXX XXXX, 2019 Equifax sent me a letter, indicating that they are supposedly unable to locate my file with the information I've provided and re-requested the same information. I thought that was odd because they clearly had my credit file when it was breached in XXXX, compromising my personal information! 

I sent another letter on XX/XX/XXXX, 2019, and again provided copies of final divorce order, driver 's license and social security card. On XX/XX/XXXX, 2019, Equifax, again denied my request for the same reason. 

I was also denied the ability to make the request online and was not able to get to a live person while trying to navigate through their telephone system.
Consumer complaint received 2019-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (WI)

i was first contacted by an in office employee and had asked for a debt valadation proof, either by email or regular mail, when i asked who this is she went into a tirate about i should hve paid my bill on time and it would have never came down to this, now i am being contacted by a so called mgr claming to be a rep for the orignail creditor being called during my work hours, messages saying im being sued by them when they have yet to prove who they are or the debt that they say i owe
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

I have reached out to XXXX  to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the COVID-19 national emergency ends. I got XXXX  in XXXX and was XXXX  from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

Fay Servicing LLC took over my 13 year old Mortgage in good standing in XX/XX/XXXX. My Loan has at all times remained current. I am in the 4th year of a 5 year payout Chapter-XXXX, the home is not part of the Chapter-XXXX, payments are not made through the Trustee, I pay them directly. Fay Claims I am at least 3 payments past due and has filed a Motion For Relief in NC court, where the home is located. I have furnished proof of all payments including bank statements going back to XXXX and canceled checks showing deposit in to Fay 's account. My bankruptcy Attorney is trying to sort this out, but Fay 's Attorney insists we are past due, even though he has been furnished proof of all payments.
Consumer complaint received 2021-12-01
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: Resurgent Capital Services L.P. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is very alarming.
Consumer complaint received 2022-12-01
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. (TX)

Improper Use of Credit In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-17
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: Affirm Holdings, Inc (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TN)

i sent a letter to Rentdebt Automated Collection, on XX/XX/2020 concerning a alleged debt of {$1200.00} that i do not owe.I haven't receive anything that i requested and i also attached a copy of the letter below
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is alleging I owe a debt listed as XXXX  XXXX XXXX but has provided me with no documents to inspect for myself to see if this is indeed my debt. Who did they speak with that validated this debt and why have I not received any notice of my right to dispute this debt before it was furnished to my consumer report. Under FCRA the credit bureaus are required to report accurate information but Experian has failed to follow these guidelines as they are required too.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

I have reached out to XXXX  to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the COVID-19 national emergency ends. I got Covid in XXXX and was hospitalized from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.
Consumer complaint received 2023-03-22
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: BARCLAYS BANK DELAWARE (NY)

I'm composing this complaint to BARCLAYS BANK DELAWARE. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

Credence RM is alleging I owe them a debt I do not. I have no contractual obligation under federal trading laws to pay a debt for services or goods not rendered. Credence RM is a third party debt collector that purchases contracts for profits. Under who authority are they collecting for? The business XXXX XXXX XXXX bylaws does not state that Credence RM is an interest party in their business transactions therefore who allotted them permission to state they are collecting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX is required to get current their business practices and all involved parties should be listed on the articles of incorporation and bylaws so there is full transparency or this would be considered deceptive business practices. Furthermore I did not receive my notice of right to dispute before this debt was sold to the credit bureaus for them to report to cause me harm.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I reached out to XXXX XXXX to get a rate quote. They asked for my & my spouse 's SSN and birthdates and pulled a hard credit report without allowing us an alternative. We just wanted to get a rate quote and did not plan to apply for the mortgage yet. This has damaged our credit scores.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (MI)

Allied Business Services in XXXX, MI. Dates from XX/XX/XXXX - XX/XX/XXXX. Had serious medical conditions and was off work on XXXX. My mental capacity was diminished and could not handle any day to day activities. I would receive robo calls everyday or sometimes even multiple times daily and had no idea who they were from. I never received any physical communication via regular mail. I had issues with my mail and other individuals would even be handling my mail due to my mental capacity issues. As soon as my health issues were resolved I looked into all of this and found out they were medical collections from my health issues. I immediately paid them in full on XX/XX/XXXX. I begged Allied to work with me and please delete these from my credit file due to my situation. They declined and said they could not help me at all. I even talked to a supervisor and also got no where. They told me tough luck. This is now costing me a loan for a house. I have never been late on anything in the past and have always paid everything. Please help.
Consumer complaint received 2022-12-01
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I've already submitted a police report and dispute letters stating that the accounts and inquiries that are on my report are inaccurate and have been connected to fraud.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (MO)

Ford motor credit repo my car in XXXX. 
In XXXX when I filled bankruptcy they weren't on the bankruptcy They haven't contacted me. 
Now all of a sudden I have a garnishment. No notice and my employer let me know who was garnishing me when I got the surprise. They have my old last name that I changed from 10 years ago
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP (AR)

I applied for a auto loan from my bank via phone. I was asked by the loan officer to check my own credit score since she was having trouble with her computer. I was told that she uses " XXXX XXXX '' and that it would be free. I did as requested. 
Now when I check my online banking statement, I see that I was charged {$1.00} ( XX/XX/XXXX ) from " XXXX   XXXX for this credit check I am assuming. Then 4 days later ( on XX/XX/XXXX ) I also receive a charge for {$29.00} from the same vendor. 
When I did a search for this vendor I can see that there is a complaint board set up fot this same particular vendor. When I started researching some of these complaints I can see that this practice of unauthorized charging of bank accounts seems to be a common practice. 
I have called my bank and disputed these charges and cancelled my debit card and asked for a new one to be issued to stop this vendor from charging my account any further since from the other complaints that I have read seems to be the normal practice.
Consumer complaint received 2019-07-11
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: Experian Information Solutions Inc. (TX)

I received a copy of my credit file and enclosed is an account list under XXXX/XXXX XXXX for {$18000.00} and XXXX XXXX XXXX for {$540.00} accounts which do not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX/XXXX XXXX for {$18000.00} and XXXX XXXX XXXX for {$540.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within  that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970