davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

I contacted Best Buy Credit Card and notified them that I had an authorized card that was open up and was not me But i was the authorized for the account. It was a Trade-name that was being used which is unlawful, I had also written them a identified that this was a serious -error that i needed this matter to be corrected immediately. On XX/XX/XXXX I sent them a lawful order letter called a notice of error which was received by the alleged creditor by certified mail. I also told them to transfer me to the fraud dept to report the card as fraudulent which is was and told them that it needed to be corrected immediately which it hadn't. 

I spoke to their fraud dept and they gave me a case number and a told me that they were investigating it. 90 -days past so i contacted them again and nothing was done. I spoke to their dept called the CAA dept ans made a complaint again and reported it as fraud On XX/XX/XXXX. The rep representative told me that he didn't see any record of my previous complaint so he would have to make another complaint. This process took approximately four hours. This account is not in my name it's a fictitious -name i do not have any record of it and i don't know who this person is which is why i reported it as fraud in the first place. Using a fictitious in commerce is fraudulent, and there are several contractual defects associated with this matter. I called wrote letters they never fixed anything or did anything about it whatsoever. 

I also reported the account to the credit bureaus as well, nothing is getting done. I feel like im getting the run around and i need you to look into this for me please.
Consumer complaint received 2017-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LCS FINANCIAL SERVICES CORPORATION (FL)

After my wife 's bankruptcy,  XXXX    XXXX   converted this to a consumer loan and then transferred it to  LCS Financi  al.  Under Florida bankruptcy law, the lien should have been removed.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed items off of my credit report due to inaccurate information to both TransUnion and XXXX Neither one of these credit bureaus responded in 30 days, nor did they provide proof of the accurate information. I've sent them 2 letters and no response have been made.
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (VA)

Brown & Joesph is Pursuing and alleged collection for a XXXX XXXX   XXXX-XXXX  for an original Balance ( allegedly owed ) for {$130.00}. 

We have disputed the alleged debt for {$130.00} about 5 times ( with Proof ) and Brown & Joseph is sending collection notices on a Debt that is not owed for {$130.00} plus their fee. 

Below and Attached is our Dispute letter that XXXX received from me 3 times, in XXXX, XXXX and XX/XX/2019 with proof including a Copy of the Refund check and the email explaining that our Refund on a Pre-paid shipment in XXXX for {$130.00} was being mailed. 

XX/XX/2019 XX/XX/XXXX, XXXX We sent this letter to XXXX twice and they ignored it. 
And XX/XX/2019 From- XXXX  , XXXX XXXX XXXX, XXXX , VA XXXX TO : XXXX XXXX BILLING RE : XXXX  XXXX Your billing system is sending us an invoice for the - {$130.00} refund check that you elected to repay us for the service failures at the delivery. 

The attached alleged invoice for the same amount, {$130.00} is therefore disputed as not owed. 

Thank you for your help. 

- XXXX XXXX ( XXXX  )
Consumer complaint received 2020-02-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (CA)

they started all this XX/XX/XXXX, I have talked to synchrony bank many times I had first talked to an XXXX on XX/XX/XXXX and then XXXX after that I let them know that I am in very very financial hardships due to have XXXX to pay for and meds to pay for they have also told me on that day that I would have to pay to close the accounts I have never heard that in my life, these are supposed to be there programs to help people that doesn't help anyone especially someone that is sick, I have asked them to stop calling me and they continue to repetitively call many many times a day and harrarss me, even after telling them to stop.They have only sent out one letter to me that has the amount of which I just received on XX/XX/XXXX, I did send a cease and desist letter on XX/XX/XXXX and they received it on XX/XX/XXXX @ XXXX and I asked for a return receipt and they have still continued to call the next day many many times after receiving the letter. I have tried to work with them and they did not want to work with me I just want my accounts closed and I don't want to have to pay for them to be closed. This is ridiculous and I can see that they do this to people all the time. They are making me sicker then what I am, which is not good. I have never had bad credit or any problem with any business. If I have anything to say people will know about this .They also want to tell you where to pay your money to like interest and fees, which that can't be done if I am going to pay money you can not tell me where I have to pay it too! Please help someone that is going thru sickness and they just keep punching them and kicking them when they are down.. sorry if it's jumbled but I am so mad I am even having to deal with this right now. I really don't even want to have to talk with them if that is possible
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Experian is preventing me from submitting a dispute regarding outdated accounts that need to be removed from my credit report. In addition, there are two hard inquiries on my report that are not disputable online and need to be removed from my credit report. They are the following : XXXX XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received my credit card bill from Bank of America. I have been making payments towards this bill for a year. Each time I paid more than the minimum balance and each of those were paid on time. In XXXX, I paid my entire balance in full. Once again the payment was made on time. I thought that would be the end of it, " paid in full ''. Two weeks later I received a credit card bill from BOA. The charge was for interest, {$82.00}. When I called them to find out the reason, they informed me that because I did not pay the last two payments in full, the interest was added daily and that is how they computed the amount that I owe BOA. With this logic, that means that BOA charged me interest on the remaining balance that I paid off, and still charged interest on the grace period as well. I was being charged double for the same bill.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I 'm having a few problems. I first need hard copies of all   XXXX   credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion have been reporting false accounts on my report, therefore tarnishing my reputation. All of the alleged debts are obligated to be paid by the United States pursuant to 18 usc 8. These accounts are not mine to pay, therefore need to be removed immediately.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (GA)

When I stopped doing business with XXXX they claimed I still had some hardware that I never had ( TV boxes when I only had internet from them ). Since then they have been trying to collect {$320.00} from me which they reported to the credit agencies. I disputed the first report but they just withdrew it and re-filed it under a different collection agency. There now seems to be a pattern as it has been filed and withdrawn by at least 4 different collectors so far making it impossible to properly dispute.
Consumer complaint received 2020-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I discovered that American Web Loan accessed and reported supplemental information about me to TransUnion, and utilized 2 services to do so : XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX XXXX, AZ, and is showing I have a property tax bill of {$2400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2018 XXXX XXXX XXXX initiated a TransUnion report on me, and listed their names in the Supplement Information Section, as 2 inquiries, each as : Supplement Public Records ; and Supplement Consumer Credit. 
3 ) These inquiries shows XXXX XXXX XXXX, accessing my data from XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of both these instances from my Transunion Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.
Consumer complaint received 2021-11-17
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/2021 a dispute was started with XXXX XXXX through Chase Credit Card Services over a cancelled flight for ~ {$650.00}. On XX/XX/2021, a voucher was issued by XXXX XXXX to the customer so the dispute was cancelled with Chase the next day. 

On XX/XX/XXXX, the customer tried to use the voucher only to find out it had been cancelled. Customer service said on XX/XX/XXXX, that a refund had been issued on XX/XX/XXXX so the voucher is no longer valid. 

After calling Chase, the company said I needed to reopen a dispute and send evidence as there was no issue sent from XXXX XXXX. On XX/XX/XXXX, a dispute letter was faxed to Chase XXXX XXXX from a local Chase Bank with the email from XXXX XXXX customer service stating the refund had been issued. 

On XX/XX/XXXX, a letter was received from Chase by the customer stating the charge was correct, no refund was to be given and the dispute was closed. 

This complaint is regarding the fact XXXX XXXX stated a refund was granted, but Chase will not grant the refund or hold XXXX XXXX to their word.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have filed a dispute in regards to the incorrect and inaccurate items on my credit report it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

The company added a collection to my credit report without my knowledge. I called and spoke to someone in their customer service department and they advised that the account was FDCPA violations! 

I request IC verify the following information : 1 - Full original account number 2 - Date original account was opened 3 - Any written and signed agreement between myself & original credit stating that the debt is owed 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first alleged delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me before it was reported to the agency, and so proving that these calls were made during the times governed by FDCPA law. 

If IC is unable to provide the above identifying account information, this account must be deleted from all CRA 's. 

IC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute the validity of the alleged debt. I eventually received this letter dated XX/XX/XXXX although it is reporting on my credit as XX/XX/XXXX.
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WI)

My loan was restructured over a month ago ( I was on/in the middle of a covid forbearance plan when they bought my loan from round point it took them 2 or 3 months too get to me on the restructuring ) my account still isn't updated I have different people telling me different payment amounts I had made at least 3 payments of at least XXXX ( XXXX ) before the restructure she told me it would be applied after the restructure which should have been done in early XXXX she said the amount I have from these payments is only XXXX where did the rest of the money go? I have been trying to get ahold of my " point of contact '' for awhile with no luck doesn't return calls or answer emails same with her boss I spent over 2 hrs on hold the other day trying to get threw to anyone to see what's going on with my mortgage and how much I need to pay it has been a nightmare since they got my mortgage now I'm afraid my mortgage is going to be late because I can't talk to anyone and I'm not sure where the rest of my payments went I have read reviews and nothing good I can see you guys already had a lawsuit with them for something similar
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$570.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$75.00} ( Original Creditor : ) XXXXBalance : {$150.00} XXXX XXXX Balance : {$13000.00} Date Opened : XX/XX/2019
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (PA)

As Previously explained I have a charge off account for XXXX XXXX XXXX that doesnt belong to me for an amount of {$1000.00}. Another account Im being held responsible for due to identity theft!
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2021 I sent a debt validation letter to COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that COMNWLTH FIN have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. ( FCRA ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Account # XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Pursuant to XXXX XXXX XXXX ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. 


Best Regards XXXX XXXX XXXX
Consumer complaint received 2020-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

Second Round Limited Partnership has filed negative reporting to the credit agencies for a fraudulent debt. No communication was made to me even though my address is available in the public record. I do not have any debts outstanding. The company has not made the necessary correction to the reporting agencies although I have reached out multiple times for them to do so.
Consumer complaint received 2022-07-09
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: DISCOVER BANK (IN)

See Attachments Sent Certified mail XXXX They are in violation of 15 U.S. Code 1692g ( b ) 15 U.S. Code 1691 ( a ) ( 3 )! 5 U.S. Code 1691 ( d ) ( 6 )
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (IN)

Everyday 3-5 times a day from XXXX XXXX XX/XX/ 2020. I had to change my phone number it got so bad. They called friends and family members talking about the money I owed. I lost my job due to an injury and informed them that I would f be able to make the payment, so instead of trying to work with me, the repeated to call me, family and friends several times a day. To the point, where they had to block their number ( s ). They called from several different numbers every time. So it was usually one of the employees cell phones. I was cussed out the last time I spoke to them.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They charged me for credit monitoring that I never accepted to paying for. They said they needed my debit card to verify my identity but never stated I would be charged and signed up for their subscription. 

Product TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2020 - XX/XX/2020 Price Sales Tax {$24.00} {$1.00} TOTAL {$25.00} Payment Method Amount Billed creditCard {$25.00}