davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have filed a complaint against Fifth Third bank on XX/XX/XXXX complaint # XXXX. Fifth Third responded on XX/XX/XXXX with no explanation for freezing my bank account without doing any investigation of funds, The funds are clearly protected funds I have no other source of income. Fifth Third banks failure to research and do a 60 day look back and review my accounts has cost my family thousands of dollars. I am supporting XXXX minor children on a fixed income after my wife past away on XX/XX/XXXX. I am also on XXXX. Fifth Third neglected banking duties. Costing my family thousands of dollars in legal fees. This all could of been avoided if Fifth Third did a  investigation before freezing the account. Fifth Third Bank has not taken any responsibility to my complaint # XXXX and has not offered any resolution to miss management of my funds.
Consumer complaint received 2022-07-08
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: CAINE & WEINER COMPANY, INC. (GA)

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX  Accounts # XXXXXXXX CAINE & WEINER, has violated my rights. 


In accordance with the fair credit reporting act XXXX  Accounts # XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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 2022-07-08
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: Credence Resource Management, LLC (GA)

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act convergent Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 


In accordance with the fair credit reporting act convergent Accounts # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (SC)

I paid off account over a month ago and have asked the company to update my credit report. When I file a dispute with the balance with the credit bureau, the company keeps stating that the balance is correct. The balance is XXXX. They will not report that this account is paid off. I told that I need this done for other financial reason. Company will not assist me with this. I asked when I paid off when will this be reported. I was told at the end of the month. The end of XXXX has passed and it is almost the end of XXXX and the company has still not updated my credit report. It only took two weeks for them to report that I had a loan with them but they take their time in reporting that the loan has been paid off. I need this off my debt ratio.
Consumer complaint received 2022-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

Spring Oaks Capital is sending letters to me in regards to a debt that wasn't opened by me. I asked them to send me a copy of my id not a history of payment that was made by someone who opened an account in my name. That doesn't show that that I opened the account. You can buy a closed account and expect me to pay for it because the creditors didn't protect me and allowed someone to open an account in my name. I understand that they bought this account for pennies and trying to collect {$900.00} from me. I have no contract with this company and I will not be paying this
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FORD MOTOR CREDIT CO. (CA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Harley Davidson Financial Services Inc (CA)

XXXX  has been non-compliant with removing the unverified account HARLEY DAVIDSON FINA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that HARLEY DAVIDSON FINA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-08
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: Bread Financial Holdings, Inc. (HI)

Comenity Bank took over from XXXX. Commenity sent a statement without any supporting information noting a vendor, sale, date, purchase amount, nothing at all. Just a lump sum bill. Called Comenity three times, each time they say they are having trouble accessing account. They say call back in a week, customer service not available. I call back in a week customer service still not available. Called again a week later, customer service not available. This is a sham. People should be complaining.
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  SC XXXX. HAS AN ACCOUNT THAT HAS BEEN ON MY CREDIT ACCOUNT SINCE XX/XX/2016 IN THE AMOUNT OF {$1400.00}. I HAVE DISPUTED THIS AND IT YET REMAINS UNINVESTIGATED AND UNCHANGED.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC (IL)

I reviewed my credit report on XX/XX/18 and I seen an inquiry from a company called XXXX XXXX XXXX  a finance company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX and its showing as an inquiry and I never applied for any credit from this company because I am in bankruptcy so how they showing an inquiry from me has me as a lost, please remove this inquiry and all of this other negative information because I have never applied for any credit with them.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: STERLING JEWELERS, INC. (CT)

Around XX/XX/2018 I was in the XXXX, CT XXXX XXXX XXXX  store. I was only going to buy one necklace as a XXXX XXXX gift, but the price was going to be under {$250.00}. I was told I should buy something else because if I spend more than {$250.00} on my XXXX Credit Card it was interest deferred for 6 months. In total I spent {$480.00} on two necklaces.

I specifically asked them, twice, if I paid the bill off within the 6 months if there would be no interest and I was told yes. In fact, they also tried to talk me in to getting a 20 Mens White Gold Curb Chain for {$1200.00} and said that I should do it then because they didnt know if the deferred interest would be available at a later time.

Over the past three payments I have paid them {$150.00}. My balance is currently {$350.00}. I noticed when I made the last payment that so far they have charged me {$28.00} in interest. It's not a lot of money and I'm less upset with the actual money and more with the fact that I was lied to and tricked into using the card. I could have only bought one necklace and paid cash, but I doubled the order based on false information.

I contacted the card company who filed a dispute that I've heard nothing about since. I also contacted their corporate office and the store via XXXX. I received an email back that said that I would have had to spend more than {$500.00} and put down 20 % in order to qualify.

They never mentioned anything about the {$500.00} limit or the 20 % down, which doesnt sound like it would be part of the credit card anyway. It sounds more like if you were to be going through XXXX XXXX, which they offer and I have used before at a different store. They do require 20 % down, it's. no credit check needed and hooked right up to your bank account, and has deferred interest for 6 months. I would have been happy to do it that way if I was told that that was going to be the way I could get 0 % interest. Like I said I didn't need two necklaces and had cash, so the only reason I did it at all was to take advantage of the promotional interest.

When I XXXX XXXX XXXX and the credit card for reviews, I find many other people who have complained about the same exact issue.

I would like to work something out where I can rectify the issue with the store and credit card company, because I really like doing business with them. However, I am now very upset because I was misled into purchasing additional items so the bill would be high enough to qualify for a program that I wasnt even given. I also am in sales at a car dealership, so I understand that being paid on commission makes you want to upset, which I was fine with ... I even was considering getting the {$1200.00} chain for myself, and now am glad I didn't because that would have been charged interest as well.
Consumer complaint received 2018-08-22
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. (MO)

In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX {$950.00}
Consumer complaint received 2018-08-22
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. (MO)

In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX  {$950.00}
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (LA)

In early XX/XX/XXXX, my mortgage was sold to Roundpoint Mortgage. My mortgage payments includes escrow for flood and hazard insurance. In XX/XX/XXXX, Roundpoint mortgage paid my flood and hazard insurance with my escrow with no assistance from me. In XX/XX/XXXX, Roundpoint mortgage failed to pay my flood and hazard insurance and let them expire without contacting me. Roundpoint mortgage opened two new policies using their insurance company and used my escrow to pay for the new policies. These policies were opened without contacting me. Per Roundpoint mortgage " they did not receive the invoices my insurance company sent them and they didn't know who to pay '' ( even though they paid it last year ). The new policies only cover the structure of the house ; therefore, I have lost contents insurance, loss of use, personal liability and medical payment insurance. I was made of aware of the issue when my house flooded on XX/XX/XXXX and my insurance company told me my policy was cancelled due to non-payment. Roundpoint mortgage is also refusing to provide me copies of the two new policies because the policies are in Roundpoint Mortgage 's name, even though my escrow money was used to pay for them. In addition, it has been 11 days since I filed the flood claim and an agent has yet to be assigned to the case so no one has come to the house to inspect the damages. Roundpoint mortgage did not pay my insurance policies so they would be able to open the new policies and record the revenue for the policies. Roundpoint did not contact me in regards to these changes. Roundpoint insurance has not provided timely inspection of the property. Due to Roundpoint, my family ( including a XXXX year old ) are forced to live in a flooded house with no contents insurance and no future knowledge of when our house will be able to be livable.
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Today, XX/XX/18, I found a seller on XXXX who was selling 2 XXXX XXXX tickets for the XX/XX/18 XXXX XXXX  for XXXX dollars.

Link : XXXX XXXX XXXX  Post id : XXXX I pressed the reply button which went straight to my messages app to text him at XXXX XXXX XXXX XXXX XXXX and asked him about the listing and for proof of purchase. After he sent me a picture of his receipt from XXXX  I ask him to do the transfer through XXXX, which he then says he doesnt have and that I should use XXXX. I tried using the app itself, which didnt work so he tells me that I can use it in my XXXX XXXX XXXX app. I transfer him {$230.00} and text him right away. He says hes got it and to give him a second - this was at XXXX XXXX. I send him a text at XXXX, XXXX, and XXXX to get the tickets but no response. I call him twice as well and the phone keeps ringing and doesnt go to voicemail, meaning that he blocked my phone number. Apparently XXXX doesnt have fraud protection, which Im just learning about now and why Im filing this.
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I received a copy of my XXXX  credit report and saw that XXXX XXXX was reporting I owe them {$640.00}. 

I sent letters to them in XX/XX/2018, certified mail ( tracking number XXXX ) which was received XX/XX/2018 and XX/XX/2018. In these letters I requested that they validate this debt. They have not responded but are continuing to report this inaccurate and invalid information to the credit bureaus.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 



In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 



The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 



As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and companies listed have violated my rights 15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPAA violation breach ; there are medical collections on my credit report.
Consumer complaint received 2022-07-08
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 3. Validate/inaccurate reported late payments. 
XXXX Account XXXX : XXXX Please update late payment, all payment was made on time 4. FDCPA Section 807 Violation Misleading False Reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.