davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2021-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I submit the payment for freedom mortgage on the date of XX/XX/2021 with the amount of {$2100.00}. Freedom mortgage was claiming that I did not make the payment but my bank statement was saying otherwise, meaning that the payment went through. They started charging me for missed payments which I already made the payments on time. I talked to one of the freedom mortgage agents and he claimed that he fixed the issue but he did not. Now I am trying to buy a new home and when I talked to this broker agent, she checked my credit to see if I was eligible but my credit records showed that freedom mortgage has ruined my credit meaning that the freedom mortgage agent did not fix this issue. I recently called them for them to fix this issue because my credit is being ruined and the agent told me that I wasnt the only one having this problem. He said that theres nothing he can do to fix this issue.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

On Wednesday, XX/XX/2023, I was referred to a JetBlue Plus card by friends and family. I logged on to the Barclays website and applied for the sign up bonus points at the time along with reading the terms and conditions below. 
At the time of sign up, I was directed to key in the last XXXX of my social and my mobile phone number. 
I then received a link in which I applied to. Prior to doing so I read the terms and conditions which again are outlined below. 

Moments later I received a email stating that I was approved for a generous credit limit. Once I had an opportunity. I began to read over the information to see the time frame of when the Annual fee needed to be paid, as I thought paying upfront meant once I was approved. I immediately noticed that I would only receive XXXX points and not the XXXX bonus points rewards, Interest rates 21.24 %, 25.24 % based on credit worthiness. that caught my attention, also being the main objective for applying for the JetBlue Plus Card. Additionally, the rates differed.

The promotion described is the sole reason for why I would interrupt my credit score. Frantically, I reached out to customer services and was told that my account was to new to see any information regarding bonus point etc. I was told to call the credit department the following day, in which I did subsequently. 

On XX/XX/2023 I call in to customer service and spoke with a XXXX who who offer me an additional XXXX bonus point. I explained the situation a second time before requesting to have the matter escalated. 

A few hours later, I received a call from a XXXX XXXX Who was condescending passive aggressive and offensive. His lack of transparency and empathy created an unpleasant experience. 
On XX/XX/XXXX, around XXXX pm I received a call from the XXXX XXXX by way of security from a woman by the name of XXXX. I conveyed my concerns both verbally and written form via email. Also providing screenshots of the promotion and transaction and correspondence received. I was advised that she would look into the matter further, listen to calls with the representatives and get back to me. On Monday, XX/XX/2023, I received a call from XXXX indicating she had concluded her investigation and she was unable to extend the promotion because the investigation determined that I received the promotion for which I received. She also apologized for the customer service I received, after having listening to the call. She stated she could offer me XXXX points, but refused to extend the offer or cancel the card and has left me reluctant to have inquired about this partnership. 
The interaction with the managers along with the deceptive business practice has left me reluctant to maintain this partnership. 
I am respectfully requesting the following amicable resolution.
Consumer complaint received 2022-10-06
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. (NJ)

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas in my life. See, I lost my girlfriend a few years ago and she was XXXX months pregnant with our baby XXXX. A driver under the influence rammed into my girlfriends vehicle. Neither XXXX of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and enclosed is a copy of my report.
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

On XX/XX/2023, I had {$280.00} in my CashApp account when I received {$450.00} repayment for an upcoming trip to XXXX ( XXXX XXXX XXXX US State Department ). On XX/XX/2023, I received another {$200.00} from the same person for a total of {$650.00}. After not being able to transfer my funds I contacted CashApp via the phone and was told that I couldnt receive any information and that I would be contacted via email. I received an email asking me to explain the activity in my account. I answered all the question. Since the initial interaction I have emailed with Cash App for 6 weeks answering every question and asking for an explanation of their process and timeline. I have not been provided an explanation of their process or given a timeline. I receive emails from their team asking me to provide the same information over and over again. The only way to communicate with the team is via email and they do not respond timely or answer questions.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I was trying to deposite some money into the CITI bank account, but account is blocked for some reason and there is a fee charged related to it, which is ok to me. But customer service has a very bad attitude and didn't give good resolution about this. I called twice but the answers to solve this questions are different. And one customer service hang up the phone when I was asking a question.
Consumer complaint received 2019-09-17
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. (HI)

On XX/XX/2019 XXXX XXXX XXXX XXXX illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I live in XXXX, GA. I Tried to establish new Power service, and XXXX XXXX  could not check my credit with Equifax, they thought I had a frozen or block account, I called Equifax customer service XXXX 3 different agents they said I don't exist with Equifax, they don't have a file or any records, they told me to call my lenders and ask them to start reporting to Equifax, I did that called 3 different lenders and asked them if they could start reporting to Equifax, they told me that they do report automatically every month to all 3 Bureau credit agencies. so I called them back still get not help at all. interesting thing is I get a monitored credit check with XXXX by XXXX and they provided me my 3 scores every month, from XXXX, XXXX and Equifax, but no body from Equifax seems to care or neither know what to do.
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I contacted Citibank to file a dispute on charges debited from my account by XXXX XXXX in XXXX, Florida. I conducted business with this company over the telephone for credit repair services. The company did not do anything to repair my credit, more than 90 days passed from the time I paid the company and nothing was done on their behalf to assist me with the credit repair services they promised. I contacted Citibank on XX/XX/XXXX and filed a dispute for the charge of {$300.00} debited from my account on XX/XX/XXXX and for {$500.00} debited on XX/XX/XXXX. I reached out to XXXX XXXX and the individual I spoke to told me they were not going to refund my money even though they have not provided the services they promised for {$800.00}. I decided to contact my bank fro assistance. Citibank denied my claim on XX/XX/XXXX based on the fact that the information I provided was not enough to support my claim. I did business over the phone with this scammers that fraudulently stole my hard earn money. I did business over the phone with the company off course I do not have anything from them to show to Citibank, I never signed any documents with this company, I provided my information to them in good faith that they will deliver on their promise to assist me with credit repair in turn I get robed for my hard earned money and Citibank allows that to happen I am their client. They are not taking care of my claim as a consumer.
Consumer complaint received 2018-04-14
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. (FL)

The other credit bureaus like XXXX and XXXX have removed my Bankruptcy that was reported back in XX/XX/2010, However Equifax will not remove my Bankruptcy have several request to do so. It should be remove. They will not provide me any type of date when this will be removed. I am tired of dealing with them and this is still on my report after 8 years is still hurting me. Trying to get a home etc. I am still living in apartment because of this. If the other follow the same guidelines then i believe Equifax should do the same.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2018-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Accelerated Financial Solutions, LLC (TX)

they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX 's XXXX : Accelerated Financial {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX
Consumer complaint received 2019-01-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MA)

I made this personal loan with XXXX in GA, back in XXXX, this was sold to a collection company named CACH , LLC. The last time I made payments to this account was in XXXX, then I lost my job and tried to pay it off i. XXXX, but the company didn't want to settle for what i had then which was {$5000.00}, later on in XXXX i offered them {$6000.00} and yet again they didn't accept it. They now are reporting this account with a balance of over {$8000.00} and with an open date as of XX/XX/XXXX! I was unemployed from XXXX until the XXXX when I moved out from GA. They're violating the fair credit reporting act, as well as they're ruining my credit to say the least. I have never received an official letter from them with a validation of this debt or any other document with my signature on it, is not fair they can manipulate the system the way they do it to get away with their unfair practices to ruin people 's lives and just for what? To make a few bucks! I demand for them to stop reporting this account, and to fix my credit, to close it and erase it from my history.
Consumer complaint received 2019-01-28
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: EQUIFAX, INC. (FL)

I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.
Consumer complaint received 2023-01-26
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. (IN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (NJ)

I was employed by XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX. I was shocked when I saw a collections from them on my credit report six years later. Since they are a trucking company and not a lending institution, and since I was an employee, a XXXX XXXX XXXX, not a borrower, I filed a dispute with XXXX, who was able to remove the collections from my report. Then, XX/XX/XXXX the same collections shows up on my XXXX. After several disputes to no avail, on XX/XX/XXXX at XXXX, I contacted Lockhart Morris & Montgomery , the collections agent : they were very curt and simply concluded refuse to pay. On XX/XX/XXXX at XXXX, I contacted XXXX  only to find out that it was a ticket in OHIO that had come in after I had left the company ; as a company driver, all over-weight tickets and other fines are the responsibility of the employer ; I spoke with XXXX  collections personnel, XXXX , who could not figure out what the charge was for nor the code attached to it : " this kind of charge is usually from the Independent Contractor side. '' When informed that I was an employee, " Oh, why don't you call payroll and see what the code is for, then call me back. '' It is only after I spoke with payroll that I discovered the charge deriving from a fine in OHIO. Why I am supposed to be responsible for it? I don't know. Why seven years later? I don't know
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNCOAST CREDIT UNION (FL)

XX/XX/2023 a late payment was issued and Suncoast Credit Union did not walk me through to setting up automatic payments. In audio transcripts since XXXX no one has walked me through a process that is not easy. The procedure is very difficult to do and they never said it involved me NOT logging in to set up automated payments.
Consumer complaint received 2019-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (FL)

I purchased and financed a vehicle in XX/XX/XXXX at that time I also purchased some Service Contracts as well as a Gap Insurance policy. 

XX/XX/XXXX my car was in an accident and deemed a total loss. My Insurance Company immediately paid the cars value, which left a gap amount of approximately {$4400.00}. 

My Gap Insurance responded with a number of excuses, they did everything except pay the claim. This lead me to file an insurance complaint with Florida Department of Financial Services. 

My GAP policy stated that the policy was between the dealer ( Mercedes Benz XXXX XXXX, FL ) and I, which lead me to list " Mercedes Benz '' as the provider on my complaint. 

Mercedes responded that they do not sell insurance but yet instill they did pay some some of the balance due. Mind you I have been emailing Mercedes since XX/XX/XXXX to have this GAP balance paid and after all that on Friday XXXX I received a call from a collection agency. 

The agent stated that she was calling on behalf of Mercedes, I  couldn't believe that they had my account sent to collections without the courtesy of a phone call or a letter to update me on the final status. 

This lady went on to tell me about my account my account being in collect of course Mercedes made it appear as if they have been trying to collect since XXXX
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I received notice from MIDLAND CREDIT MANAGEMENT. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND CREDIT MANAGEMENT on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent MIDLAND CREDIT MANAGEMENT another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND CREDIT MANAGEMENT. on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

Account Name : MIDLAND CRED Account Number : XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-03-08
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. (MO)

XXXX XXXX  obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court