davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (FL)

Someone have been applying for credit in my name at the following places - XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX  -- -- - XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

on XX/XX/18 we used care credit card for hospital stay in the amount of {$1500.00}. It was unclear to us at the time how their promotional terms of no interest would be charged to other existing care credit charges. This promotion precedes other interest free dates, so when making payments to our care credit, instead of all amounts going to charges with the earliest promotional date expiration 's, a fixed portion {$67.00} was paid to the XX/XX/18 charge. Thus, previous calculations to pay off prior promotion rates to avoid interest were jeopardized and we found ourselves behind schedule before we caught the fact that we would need to essentially pay two payments for one credit card. Misleading and I believe they hope it is to confusing for people who are having some type of medical or pet issue at the time of use for this card, to notice. Care credit is not as transparent about their multiple contracts and how each contract differs in so called interest free promotions.
Consumer complaint received 2021-12-09
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. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (FL)

Information appeared on all 3 credit reporting companies. No information was sent to me to validate or verify this debt is actually mine. 'Also find out the collection company isn't licensed to collect in the state of florida ; therefore, I demand they immediately remove from all 3 files
Consumer complaint received 2022-12-16
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. (AL)

XXXX XXXX XXXX XXXX already collected the debts XXXX  multiple times an XXXX  XXXX  multiple years still using the same debt fraudulent activity to collect money an reporting deceased illegally an reporting false information an payment to receive more money reported to TransUnion credit report agency were they failed to investigate the debts collected agency due to falsely report information an XXXX XXXX XXXX XXXX XXXX  sold my personal information after they received multiple payments statement said paid reported to TransUnion as unpaid an TransUnion credit agencies refused to delete XXXX founding company an XXXX XXXX XXXX XXXX XXXX from my credit report that hurting my credit score due to illegally activities going on with these companies I requested everything be removed an deleted from my report reporting false information
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2022-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

This debt with portfolio recovery associates is well past the 8 year collection mark. It is no longer in collections or listed in credit reports. I recently paid off another card account, since that time whej they received my cantact info they have started calling day and night multiple times per day from random numbers so they cant be blocked, and mailing letters stating I owe XXXX. I have asked them to stop with no resolve. I am now reviewing legal action and options for myself.
Consumer complaint received 2021-12-09
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: Bread Financial Holdings, Inc. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was given a forbearance by XXXX  in 2020. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XXXX has reported me TWICE as being delinquent and my credit score has dropped XXXX points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XXXX and they completely admitted being in the wrong and said that they would make it right. But then in XXXX it happened again. Once again I called XXXX  and was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XXXX which did not happen. Please help!
Consumer complaint received 2021-04-16
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: BARCLAYS BANK DELAWARE (NY)

I have called Barclays Bank over five times for 3 charges that happened at the end of XXXX XXXX. I disputed the charges on the app. They sent me a letter saying they investigated and deemed I was responsible which was crazy since one of the charges I was across the United States for. 

I then called them ... The first two times I was placed on hold at the fraud department for over an hour. The third time I called I told them not to send me to the fraud department and I spoke to somebody who I demanded help me. This was on XX/XX/XXXX. This lady made me actually call the company ( XXXX ) with her to investigate the charges the charges for XXXX we called XXXX and XXXX corporate and both of them said they did not have my card on file at all and they could not locate any transactions. The lady then told me that I was not responsible for the charges and the dispute would go through I have the case numbers : Case number : XXXX, XXXX, XXXX I then received a letter saying that only one out of the three charges would be disputed and the others were being investigated I then called back again for the fourth time and said this was ridiculous since they were all from the same store and I contacted the store with the lady and the store explicitly said that my credit card was not in their system and they did not have those transactions on file. They said they would escalate the claim. 

I then got a letter saying that everything has been disputed but on my bill it still says that I owe the money and if I dont pay in a week I will be charged a penalty so then I call for a fifth time and they say theyre going to transfer me to the fraud apartment and I say dont do that because I am not spending an hour on hold and they said it wouldnt be an hour and they transferred me and after an hour nobodys picking up the phone so therefore I am not spending any more time dealing with this bank that clearly has issues and they are trying to steal my money!!!! They said it was disputed and are not removing the money from my account!!
Consumer complaint received 2022-03-26
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. (WI)

On XX/XX/2022 I sent a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the XXXX Data Breach which may have resulted in my information to be in the hands of the wrong person.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2022-09-27
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. (NC)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Finance Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and 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 2021-12-09
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. (MS)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.
Consumer complaint received 2022-12-16
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. (AL)

XXXX XXXX XXXX XXXX  already collected the debts XXXX  multiple times an recovery funds multiple years still using the same debt fraudulent activity to collect money an reporting deceased illegally an reporting false information an payment to receive more money reported to TransUnion credit report agency were they failed to investigate the debts collected agency due to falsely report information an XXXX XXXX XXXX XXXX XXXX sold my personal information after they received multiple payments statement said paid reported to TransUnion as unpaid an TransUnion credit agencies refused to delete XXXX XXXX  company an XXXX XXXX XXXX XXXX XXXX from my credit report that hurting my credit score due to illegally activities going on with these companies I requested everything be removed an deleted from my report reporting false information
Consumer complaint received 2022-12-16
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd (NJ)

Brown and Joseph LLC They harassed me. Then when I answer and request proof of the debt they can not provide me with proof. The agent XXXX XXXX is very threatening and threatens escalation without even following up on the dispute. Not one shred of evidence has been provided to the debt. We settled on a lower amount then she goes ghost and says we can not make payments. Making unfair terms and sending us to her manager. All we asked is for proof of the debt bc I never signed anything stating I would owe money if I canceled the insurance and I asked specific questions to the rep upon inception and they cant provide me with that phone call. Bc the rep clearly states that the insurance company would owe me if I canceled early. Long story short. They are scammers and promoting threats and unfair practices
Consumer complaint received 2022-09-26
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. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I am filing this complaint against Citibank, I received a grant from the Small Business Administration due to the COVID pandemic. The money was deposited into Citibank and they closed the account. I have provided all the requested proof they requested concerning where the money originated from and Citibank has refused to cooperate with me to have access to my funds. I contacted Citibank and they will not talk to me about this problem, and it has been ongoing since XX/XX/2020. The total amount of the money is {$15000.00}. A deposit of {$5000.00} in early XXXX and a second deposit of {$10000.00} on XX/XX/2020. The account number is as follows : XXXX. XXXX XXXX, is the name on the above account, and my email is as follows XXXX.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I sold my house. During escrow my title company/abstract office failed to send pay off/wir e n   XXXX   XXXX     2017 to  my mortgage company in a timely manner ( 9 days past the closing d ate )   XXXX   XXXX , and now my mortgage company maked my credit as 30 day late on my mortgage payment.     I have emails from escrow company stating it was their fault due to their negligence and I sent this to my mortgage company on  X/XX/17   . Auto email sid  wait 5 business days. Its been 10 and I  clled today and was told Id receive a phone cLl today. I did not.     Meanwhile I have a 30 day late reported to the credit gods. I need a response and correction.
Consumer complaint received 2022-03-26
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC (WA)

I have requested verification of the debt National Recovery Solutions LLC claims that I owe on XXXX separate occasions. They have failed to send anything other than a requests for payment. They once sent me a collection with double the amount the original collection said. This company runs on an unsecure website and expects you to put your personal and card information, no thanks. Past that, they can't prove debt owed. The only " verification of debt '' sent to me was an amount {$6000.00} less than what they are claiming I owe, which that debt has been settled with the appropriate facility. 
At this point this company is assumed a complete and utter fraud. Unsecure site, refusal/inability to verify debt, and different collection amounts being sent at different times ranging from $ XXXX {$16000.00}. This is harassment and against the Fair Debt Collection Practices Act.
Consumer complaint received 2021-08-24
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. (LA)

I've sent a letter lastXX/XX/2021 but it is almost 30 days now but no response yet. I am a victim of Identity Theft. I'm so stressed every day, I got a low credit score because of fraudulently used of accounts without my permission. I've already contacted the credit bureaus and furnishers to raise this issue.
Consumer complaint received 2021-12-09
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. (MS)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Citibank closed my checking account for unknown reasons on XX/XX/2021. I received an email on XX/XX/XXXX advising me of this. I had XXXX in my account at that time and I was told that a deposit of XXXX and XXXX were invalid. That would leave XXXX in my account that Citibank owed me. I called on XX/XX/XXXX, and spoke to a XXXX who supposedly was a supervisor in the Electronic Fraud Department and she told me she was going to email the investigation depart to mail out a check to me and to call back 2 days later to verify that a check was issued. I called back 2 days later and spoke to XXXX and she said I had to wait 30-60 days for a check. I called today, XX/XX/XXXX, and XXXX said I wasnt due any money. I told her that I wanted to speak to a supervisor. I was connected with XXXX who was a supervisor in client relations and he told me that there was no supervisors in the electronic fraud department Which means that I was lied to once again. I received a letter from Citibank today saying that no funds were owed me and that as far as they are concerned the matter is closed. How can their representatives tell me that a check is in the mail and then that they owe me {$110.00} ( which I agree with ) to not owing me any money with no explanation?
Consumer complaint received 2021-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (NC)

They have put this collection on my XXXX ( 8 ) eight times. I thought this was against the law. My credit score went from XXXX to XXXX. This collection agency is I C Systems Inc. XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/ 2021, XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/2021, This is all for the same bill.