davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION (NJ)

A few years ago I received a notice in the mail to enjoy a free weekend at XXXX RV park in XXXX, Pa. It said there would be giveaways and a chance at a brand new truck. My wife and I spent Friday night there and in the morning we were awoken by a saleswoman who said she wanted to show us the park. 
We toured the park, still a bit tipsy from a late night of campfire and alcohol. She then led us to an office where high pressure salesmen promised us all kinds of benefits for signing up for a time share of RV parks across the country. 
When we got home and had a chance to read the fine print we decided this wasnt such a great deal. Supposedly for {$15000.00} we had a lifetime membership and if we wanted, we could sell the membership. Once I called the campground they said they had nothing to do with the sales team and that they were part of an XXXX XXXX   XXXX. 
I asked for a refund and the lady said shed take care of it. I started receiving payment coupons and called again. Someone else told me it was too late to cancel because there is only a 3 day window to do so. 
I called and wrote letters but to no avail. I stopped making monthly payments. They stopped calling me but then suddenly I get a notice from a collection agency demanding payment. 
I never received anything in writing from the campground or the company representative from XXXX XXXX XXXX XXXX. I never was given the opportunity to resell the timeshare. I was never informed of my rights. I also found out there was no tangible property or time share to sell only a deep discount club membership for RV parks. 
They misrepresented their business, the nature of the product they were selling and we never received the free trip and airfare promised in the original signing. 
We have tried to talk to XXXX XXXX XXXX XXXX but they say the account is now with Conrad Credit Corp. I contacted them and they said they cant do anything about it because the debt was already sold to them and they want their money. 
Adding insult to injury, we basically have already lost a {$4000.00} down payment and they say we owe another {$13000.00} and we literally didnt get one thing from them! No free trips, no free airfare and no deep discounts for using any of their parks.
Consumer complaint received 2022-08-28
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. (TX)

EXPERIAN credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of experian not responding experian has said that these debts which are FRAUDULENT have been verified as accurate. experian has violated my privacy rights experian DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant experian permission to add these items to credit file. Experian has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.
Consumer complaint received 2022-08-28
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: WELLS FARGO & COMPANY (PA)

I am writing to request the removal of this unauthorized credit inquiry on my credit report. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I also do not have an open account with your company. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that you delete this inquiry immediately from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

To all these Presents come, Greetings : In accordance with provisions set forth at XXXXXXXX XXXX  XXXX XXXX, the neg accounts to Account XXXX : held with said custodian cause on the following grounds : 1. consent was obtained through mistake, fraud, undue influer menace by any such XXXX  ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

Airline card with {$450.00} fee was canceled in the 30 day renewal window. Agent confirmed on the phone that the fee would be refunded in full within two billing cycles. Multiple calls and chat sessions with Citibank agents who promised fee refund but that has not been the case.
Consumer complaint received 2021-08-18
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. (CO)

Experian is claiming I have a new account 30 days late in payment. They will not give me information on which account is late in payment. But then show all my open accounts have exceptional payment history. Just as my XXXX score increased by 12 points, it just as fast went back down when I filed another dispute against XXXX XXXX on a credit card balance that had been paid in full and closed per my request back in XX/XX/XXXX. Any other transactions after that are fraudulent. XXXX also deleted the bank account and all other information the payment came from. We filed a law suit against them for an illegal foreclosure back in XXXX. Since then and only then have I had a rapid decline in my credit score. I believe this is pure retaliation from filing a suit against them. Since the bureaus are privately owned and get paid to report what their customers want them to report, there is room for error & incorrect reporting. For the sole purpose of keep individuals from advancing or proving the facts in an illegal foreclosure, they report fraudulent information decreasing my score on purpose.
Consumer complaint received 2023-07-19
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many INQUIRIES which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any INQUIRIES which are found to be FRAUDULENT. The dispute INQUIRIES does not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc. (MO)

This debt just randomly landed on my credit report. The debt collector stated that the debt was created on XX/XX/2021. I have received no contact via email, phone, or postal mail about owing money on this debt, or that it was in existence. I did not receive the opportunity to verify that this was my debt. I am not going to pay a debt that was never confirmed to be my own.
Consumer complaint received 2019-01-25
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. (CA)

I was a victim of identity theft and was made aware by XXXX XXXX XXXX   incompetence. They caused me to lose thousands of dollars by not accepting my disputes but i then became aware of my identity being stolen charges made on credit cards and accounts open. I contacted the FTC and was reassured that the evidence was more than sufficient and I should have my credit back to normal by 2019 but have not heard anything and Ive had to resubmit disputes. XXXX is being responsive but slow and I have to file new reports one at a time. XXXX  and Experian have been unresponsive please help.
Consumer complaint received 2019-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (WA)

This is a Discover credit card debt. XX/XX/XXXX lost my job due to economy downfall. Prior to my job loss I had perfect credit and my Discover card was paid on time. 
Discover Card debit was turned over to XXXX XXXX XXXX XXXX XXXX I was served papers informing me I was going to be sued I called immediately and began making voluntary {$50.00} month payments.Each year I received a letter telling me to call to review my account, which I did. I continued making payments.XX/XX/XXXX I did not receive a letter, I still made my voluntary payments. Mid XX/XX/XXXX we  looked into selling our home for financial reasons and found that XXXX XXXX XXXX XXXX placed a lien on our home. They claim they notified me and I did not respond. That is an untrue statement. Somehow they slipped it threw a different county to mine for a digital signature in my county. I have responded to all request they made. They have been dishonest in their practices. I have three credit cards I make monthly payments to. The other two companies have not done anything underhanded. I'm attaching a letter response from them following another complaint I filed so I could find out what to do. 

XXXX Title J JUDGMENT Grantor ( s ) XXXX XXXX XXXX, Grantee ( s ) DISCOVER BANK, Parcel ( s ) Excise No. 
Date Recorded XX/XX/XXXX Recorded By XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CO)

I was a victim of identity theft on XX/XX/2019 and I was robbed of {$530.00} in my checking account. This was through a XXXX/XXXX transaction conducted by a malicious unknown user and I reported this to my bank on XX/XX/2019. Ten days have passed and I have received a letter in the mail that Ally Bank will not be providing me a provisional credit and considers this a POS dispute. This dispute is a fraudulent charge as someone has stolen my debit card information and used it to make a purchase through XXXX/XXXX. Ally refuses to provide a provisional credit despite stating numerous times that this charge is malicious. Their reasoning for this is due to having a existing XXXX account and suggests I contact the merchant to resolve this issue. Again, this is a fraudulent charge and I have nothing to do with this merchant as this charge was not conducted by me. Ally Bank is taking longer than 10 days to investigate this charge and by Regulation E is required to provide a provisional credit through the remainder of this investigation. This is a provisional credit, which means Ally has the power to recover this money back from my bank account should they determine that a transaction is not fraudulent, which in this case it is.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I had an Old Navy credit card since XX/XX/XXXX. As ofXX/XX/XXXX, my account was closed. I had 2 times of being 30 days late ; XX/XX/XXXX and XX/XX/XXXX. I decided to pay the balance in full in XX/XX/XXXX/XXXX of XXXX. After paying the card off, they closed my account with no reason why. 

As for Synchrony Bank, they have had more negative impact on my credit and my credit score more so than any one company. THey are forever checking my credit and decreasing my credit limits which in turn reduces my credit and shows that I am over the limit. That is causing a negative impact on my score.
Consumer complaint received 2023-07-19
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. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (FL)

Since XX/XX/XXXX they are sending me letters that I owe them a money that was paid by the hospital. I sent them letters requesting that they give me proofs and nobody sent me proofs only a receipt that seems manipulated. 

I applied for financial assistance from the hospital and they covered the expenses, then these people began to charge me the amount of {$2600.00} and without giving me evidence where I said I should pay that.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2019 I received an email stating that they were closing my account for some section D 22 violation. When I tried to call the company I wasn't allowed to get on my account to talk to anybody I couldn't get past the menu to even pursue help. I then called American Express they transferred me I was speaking to a gal she hung up on me. I called back several times got the same treatment that I had done something wrong. I finally got a hold of someone in the company to discuss what section d-22 is and what violation is it they would not tell me what it was my whole paycheck was deposited on XX/XX/2019 I asked them to please at least give me half of what is on my card so I can feed my children and pay my bills they refused to give me any money and I had to wait for 14 days I hung up I called back again same thing I'm trying to get my paycheck for two reasons feed my kids pay my bills and to get my son 's ashes so I could lay him to rest and this company is not telling me what vile this violation is won't discuss anything with me and tell me there's nothing they can do for me that is my paycheck they're withholding from me they're holding it hostage why I get my electricity turned off I am unable to pay my bills and feed my children very unfair I work hard for the money I get and for them to take it from me so I can not provide for my family is not okay
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had this particular card for over a year and I have been in good standing paying off my balance in full each month. I have been spending over {$500.00} a month by making payments before my statement posts, but my credit limit has remained unchanged at {$500.00} for about a year. I was recently denied a credit line increase and I sent a written letter to the company asking for an appeal to this denial as the reasons cited in their automatic reply were vague and offered no guidance as to what would let me qualify for a higher limit. The low limit has caused some trouble when I travel abroad ( such as with hotel check in and such ). The reply I received was not helpful and declined to address my concerns.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

I recently checked my XXXX  report and saw a fraudulent collection from transworld system Inc.

I have never done business with this company I dont know this company this company doesnt have a contract with my signature. 


I reported a fraud report with FTC.gov on this situation.
Consumer complaint received 2019-01-19
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: SYNCHRONY FINANCIAL (NC)

Hard inquiry I did not authorize from SYNCB/ Lowes XXXX XXXX FL XXXX on XX/XX/2019. Initiated a XXXX XXXX dispute.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (MI)

I opened a checking account with Axos bank in XXXX-XX/XX/2021 because my credit union does not allow the initiation of a wire transfer online but Axos bank claimed they did, since theyre an online-only bank. My credit union is local, I was out of state and I needed to make some wire transfers so I linked my other credit union checking account with this new account at Axos on XX/XX/XXXX and moved {$3800.00} from my other checking account to this one at Axos on XX/XX/XXXX. 

Once the money cleared on Friday XX/XX/XXXX, I made a wire transfer request. I made some errors in my request so it wasnt processed and on Monday XX/XX/XXXX, Axos sent me a message in my online banking portal explaining why. That same day I modified my wire request and resubmitted it. It wasnt processed and instead Axos sent me an email the next day, XX/XX/XXXX, informing me that they needed to confirm that I owned the other checking account I linked and from where the {$3800.00} came. In order to do this, the message continued, I would need to send them an image of a void check that proves that I am a signer for the linked account or a recent account statement. 

The next day, XX/XX/XXXX, I sent them an image of a void check clearly showing that Im a signer for the linked account. I logged into my online banking portal on XX/XX/XXXX hoping to see a message from Axos acknowledging that they had received the void check but there was none. Instead I saw that they had frozen my account : I couldnt move money in or out. 
I sent them another message that day asking why they froze my account even though I had done exactly what they asked of me. I called them on the phone on XX/XX/XXXX and they claimed that the issue would be resolved. They sent me a message on XX/XX/XXXX, saying they couldnt find the void check I sent them so I re-sent the void check again that day. 

I called them on the phone again on Monday XX/XX/XXXX and I received a message from them on my online banking portal later that day. They said they had received the check and had forwarded it to the appropriate department for review. I waited patiently throughout the week for another message from them but none came. So on Friday XX/XX/XXXX I called them yet again and later sent them a message expressing my frustrations with their service and demanding that they resolve the issue as soon as possible. 

When I received no message from them I called them on the XXXX and again yesterday, XX/XX/XXXX. They sent a message today, XX/XX/XXXX, and its yet another apology. I have no idea how long it will take them to resolve this issue. Their customer care representatives are unhelpful and clueless. They refused to let me speak with any of the folks in charge of my account. Please help me CFPB. Im at my wits end.
Consumer complaint received 2022-07-12
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. (WA)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX