davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps (CA)

I believe XXXX is definitely a scam artist. I signed up with her for credit repair after watching her XXXX videos. I really thought she knew what she was was doing. I enrolled on XX/XX/XXXX and made faithful on time payments. 

From the start, I was never able to get a hold of her after signing up. I even purchased her XXXX XXXX for additional contact means and still no prompt responses. It wasn't until I canceled the XXXX XXXX that she finally responded. 

She would not send or process my disputes when they were due and when reaching out, I would still receive no response. 

After months of paying, I started to notice I never received and responses from the credit bureaus after her letters were sent. During my time with her, I continued to dispute items on my end, and I received responses to my letters ( inquiries and missing credit information ) ; however, after 3 " dispute rounds allegedly sent by her '' *I have received no response letters.

I finally could not take it any more and decided to cancel. I review my signed contract and followed all the i
nstructions. It has been 2 weeks and I have still not received a response to my cancellation request. I have sent 5 emails, submitted 3 support tickets at her help desk and she refuses to respond.

To add insult to injury, she plead guilty to conspiring with others to sell stolen Social Security Numbers ( SSNs ) over the internet and to providing a false SSN on a loan application in XX/XX/XXXX. She now has my social security information and I am now worried my social security information has been compromised and is no longer safe.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiry : XXXX
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XXXX a fraudulent checking account was opened in my maiden name. I contacted capital one for assistance and the rep was very rude and would not help me. I went online and wrote a review on XXXX and someone called me back and closed the account. A few weeks later, my online account access was suspended. I have spend at least 12 hours of my life on the phone with capital one and they just pass me off to other departments with no one able to help me. They say they can not take payments over the phone due to some sort of internal error on my account. They had to start resending me paper statements and I had to order checks to pay them now since no one can seem to figure out why my online access is suspended. Again today I was bounced from department to department given different information each time by each rep and I still can not log in. All I want to do is be able to sign into my account and pay my bills.
Consumer complaint received 2020-07-27
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. (TX)

No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX  account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

You have me owing them {$220.00}. I have never used their services in my life. I do not know who they are. I have never dealt with them and they have not sent me any proof of verification showing that its me. I want this removed I already complained to all the credit bureaus two of them have taken it off except XXXX XXXX says that they verified. How could you verify something without some kind of proof so Im trying to find this
Consumer complaint received 2020-07-27
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. (TX)

I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )
Consumer complaint received 2018-05-03
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)

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas  resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas. XXXX hasn't produced info.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 XXXXXX/XX/year>
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This is in regards to Portfolio Recovery Associates. Following receipt of a letter from from PRA 's attorneys, XXXX XXXX XXXX, back in XXXX, I requested documentation for proof of debt & proof that they were, in fact, authorized to collect the alleged debt. After a month went by with no documentation, I called XXXX XXXX XXXX to find out where the requested documentation was. I was told, at that time, that documents would be forthcoming. I waited another month, & no documentation arrived. I have now called numerous times requesting documentation, each time asking it be sent certified mail for proof. No documentation has ever been received. 

In the meantime, on XX/XX/XXXX, I received a summons. Upon receipt of the summons, I immediately called XXXX XXXX XXXX, & the person I spoke with told me that the requests I had made were " not worded correctly, '' & that I didn't " use the proper terminology. '' When I asked that the case be delayed/dropped until I receive the appropriate documentation, I was told that I " better show up to court, '' & I " will receive the documentation at that time. '' I then said I am requesting arbitration or mediation, & I was told that was not an option. However, I am well aware that it is, in fact, an option. 

As of today, XX/XX/2020, I have yet to receive proof of debt or proof that they are authorized to collect the alleged debt. My attempts to exercise my right to arbitration or mediation, if need be, have been ignored. Each time I have advised the reps at XXXX XXXX XXXX that I wish to record the calls, I have been threatened to be hung up on or just hung up on. Obviously, they don't want me to be able to defend myself with proof of the multiple requests for proof of debt and arbitration/mediation requests I have made or to use anything they might say against them. 

Clearly, Portfolio Recovery Associates & XXXX XXXX XXXX are trying to overwhelm, harass & threaten me. I am currently out of work due to COVID, & they are causing me great distress. This is mental abuse, at this point, & judging by the comment of the last rep I spoke with, they do not intend to stop. They are as shady as they come, and they obviously prey on people who can not afford an attorney, & they try to bully them into paying debt that is not owed by threatening them with legal action, or in my case, filing a lawsuit without the proper verification of debt or option of arbitration or mediation, if necessary. 

This is the exact same MO they used in the last case, i.e., they didn't send proof of debt, then tried to sue me. Portfolio Recovery & XXXX XXXX XXXX are XXXX, & they should be investigated & sanctioned for their unscrupulous business practices. I hope you will take the appropriate action against them. Thank you.
Consumer complaint received 2020-07-27
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. (IN)

TransUnion is showing my car loan with credit acceptance increased by {$210.00} on XX/XX/20. I disputed it and results say no change needed. I spoke with XXXX XXXX 3 times regarding this change and they assured me that my loan will never go up and will decrease each month. I have never been late on my car loan. They also stated that TransUnion has made the mistake and they need to fix it on their end. I spoke with TransUnion and they state it is correct. I just go back and forth between the 2 of these companies. Please help. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2018-05-03
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: EQUIFAX, INC. (NC)

Equifax credit report constantly consist of errors from dispute comments being on accounts that AREN'T being disputed to Equifax readding items previously removed but not providing notice to me the consumer that items are in fact reapplied to my credit file. please see accounts and problems noted below 1 ) XXXX XXXX XXXX XXXX/XXXX account # XXXX Equifax needs to remove dispute comments account is not in dispute 2 ) XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX Equifax needs to remove dispute comments account was resolved months ago 3 ) XXXX XXXX XXXX XXXX account XXXX XXXX Equifax needs to remove dispute comments resolved months ago 4 ) XXXX XXXX XXXX XXXX account XXXX XXXX account was removed from credit file in XX/XX/XXXX, today it reappeared with no payment history, no account term or details no date of last activity and a delinquent note of XX/XX/XXXX why is this reapplied 2 years later with no notice to me the consumer or account details There has been no communication to me from the creditor in over 3 years 5 ) XXXX/XXXX XXXX account # XXXX balance on the account states {$110.00} I have disputed this account several times even provided account statement showing account has a XXXX balance Equifax needs to update the account balance to reflect XXXX balance Equifax stated they previous investigated the account but report shows no payment history since XXXX and date of last activity as XX/XX/XXXX
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (ID)

Citibank Thank you Card is charging me a recurrent charge for XXXX XXXX XXXX in the amount of {$95.00}. I did not sign up for recurrent charges with this company and this is not authorized. I disputed the charge with Citibank but they sided with XXXX XXXX XXXX company and left this charge. I don't even have knowledge of account with XXXX as I no longer use a business computer.
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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 2020-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flat Branch Mortgage, Inc. (IL)

When applying for a mortgage with Flat Branch Mortgage Company I had a really bad experience with XXXX XXXX. I feel I was discriminated against because Im a XXXX Man. Everything she asked me for I supplied it and when she asked for a certain amount to be in my bank account I made sure it was in there. That was the last thing I needed to do to get my preapproval letter. She however came up with something else, she told me I needed to show a paper trail, she began asking me for all this other information to show where I got the money from because as far as she's concerned I could've gotten it from a " XXXX  Deal '' ... ..that is a XXXX comment and Im pretty sure she would not of said it to me if I was a white male. I complained to her manager XXXX XXXX and he backed her with everything and he was extremely disrespectful. I told her that was a XXXX comment and she said she was at a closing before and they found out the money was from XXXX  ... .I then asked her what does that have to do with me? I dont sell XXXX  or do XXXX  my Wife and I work everyday. I feel they are XXXX.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2022-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Mr Cooper under XXXX XXXX XXXX, are very unprofessional, inconsistent and not knowledgeable with all the informations. I started inquiring about how to do " XXXX XXXX '' since our mortgage is under FHA. We can apply from it, since the original borrowers are my " direct family member '' ( brother/nephew ). So we started applying this year around XX/XX/22, they said, need " deed of transfer '' which we made it thru notarized and registered already to our XXXX XXXX XXXX " transfer of ownership '' was now under my name " XXXX XXXX ''. They said, it's denied coz the period of time lapsed within XXXX days. So, they open a case again and denied on XX/XX/22 coz they said they need " proof of relationship '' with the original borrower, we submitted and again XXXX days lapsed again. The problem with them, they only update you if you call them and will tell only by the phone not even sending you email of letter, if we need something else to be completed. Every time i call them always " under review '' to the XXXX XXXX the XXXX days lapsed again and again and again. Now, today at around XXXX i called them again and i spoke with XXXX he said, the " XXXX XXXX '' will not gon na be granted to us, because it can be with the " spouse or children '' by the orginal borower. As far their requirements from the documents they sent to us " direct family member '' included with the questionaires for assuming party/selling party, If they have changes they should revise it with the stated dates, but not at all. What i'm understanding " XXXX family is limited to the 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. ". I don't think MR COOPER knows what they're doing or processing " Loan Assumption ''. The mere fact why they never told us in the beginning, they keep us prepared documents almost the beginning of the year. The time/effort/money we spent to make this things legally under our name now. PLEASE HELP US. They're not FAIR. They'll probably has plan coz the " real estate '' is down and they want us probably to start all over again, the offer us HIGHER INTEREST. Since literally we are paying the mortgage and legally and registered under our name " XXXX XXXX  '' We really need your help. The previous complaints we made, all lies, nothing solve.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

My father is the primary account holder of the family 's Chevron/Texaco card which is issued by Synchrony Bank. 

My father recently went into assisted living, so I called the card company to ask how I could manage the account, and I explained that I had power of attorney. ( POA ). They asked for the power of attorney document to be faxed to them, which I did. 

Then I went to get gas, and the card was declined. I called and they told me that there was a restriction on the account until the power of attorney documents arrived - this makes no sense, as the primary card holder, my father, has made no changes to the account at all, and until the XXXX arrives he is still the person they should talk to. In other words, they conflated the question of whom they could talk to about the account with the question of who the authorized users of the account are. 

Meanwhile, I was stranded with less than XXXX miles worth of gas, and was given no warning of the restriction. We would have been better off just never telling them about the XXXX, and instead I could have just logged into the account as my father. This is what we get for trying to do it the right way. 

We have been XXXX customers since 1962. It's really upsetting to be rewarded with loyalty this way.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Synovus Bank (MD)

First Digital Card XXXX XXXX XXXX XXXX XXXX SD XXXX Dear Sir/Madam I am writing to request a formal service agreement and arbitration clause from your esteemed company. 

Having a written agreement delineating the terms and conditions of our relationship would provide both parties with clarity and protection. It would outline the rights and responsibilities of both First Digital Card and myself as a customer, which is crucial for fostering trust and transparency in our business dealings. 

Additionally, I believe it is essential to include an arbitration clause in the agreement. Arbitration provides a fair and efficient means of resolving disputes outside of the traditional court system. By agreeing to arbitration, both parties commit to resolving any potential disagreements in a manner that is neutral, impartial, and legally binding. 

Therefore, I kindly request that First Digital Card provide me with a comprehensive service agreement that outlines the terms of our partnership, as well as an arbitration clause for dispute resolution. 

Please let me know the necessary steps I should take to obtain these documents or if any further information is required from my end. I appreciate your prompt attention to this matter and look forward to continuing our positive association. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) XXXX XXXXXXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) Bankruptcy : XXXX XXXX XXXX Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX )