davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (KS)

I applied for COVID forbearance with XXXX XXXX XXXX XXXX  initially on XX/XX/XXXX. A few weeks later I received a bonus payment from my employer. Since this bonus payment was received, I was able to make the XXXX and XXXX mortgage payments. I called customer service and told them I wanted to make a payment, that call removed me from forbearance. 

When the COVID crisis continued and all of my income was effected in XXXX and would continue to be effected for the foreseeable future, I realized needed to get back on the forbearance plan. I applied for assistance on XX/XX/XXXX, see email confirmation attached. Included in this email confirmation was the guarantee that I would not be charged a late fee and no past due payments will be reported to credit bureaus. Instead, my account was charged late fees and XXXX XXXX  XXXX XXXX reported my mortgage as past due during my forbearance, which did not end until XXXX of XXXX. 

XXXX XXXX XXXX XXXX incorrectly has reported to all credit bureaus that I had a late payment in XXXX of XXXX, well after my COVID forbearance was requested on XX/XX/XXXX. I called and started three separate investigations with XXXX XXXX XXXX XXXX, every representative I've spoken with understand the error and said it should be corrected but each time the results of the investigation has been that my COVID forbearance ended on XX/XX/XXXX, not taking into account that there was a 2nd forbearance processed and no payments made on the account until XX/XX/XXXX. 

Since my account was on COVID forbearance and I have proof of that request, I advised XXXX XXXX XXXX XXXX that per the CARES act they are not allowed to report my account as past due. My credit score has been greatly impacted by this reporting and the result is being declined for loans and only being offered higher interest rates due to their error.
Consumer complaint received 2019-08-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On XX/XX/XXXX we paid USAA credit card off with total amount of XXXX MY wife then asked about a few charges that where Made in XXXX and XXXX of XXXX In XXXX we received a refund Check for I think XXXX dollars Then in XXXX we received a bill from USAA for XXXX. I called and spoke to a representative from USAA And was told that they would take care of it.I Received several bills after that with late payments and over due charges I continued to call and finally got frustrated and closed all accounts I have even received a bill from them that post all charges on one day these repeat charges were all paid for back in XX/XX/XXXX. I have received ( 2 ) new cards from USAA but have never activated them. As of to date they have ( 3 ) cards listed on account ending in XXXX, and XXXX. The XX/XX/XXXX bill lists 22 charges totaling XXXX dollars all having transaction dates of XX/XX/XXXX and post date of XX/XX/XXXX At this point I am not sure which card is which. Every time I would call to fix this problem you would get someone new and would have to start all over again and then no one would get back to me. When they did call is was some one trying to collect payment and when I would go thru the spill again I was told not to pay till someone returned my call.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I applied for CA Rental Assistance Program for rent relief in early XXXX and the application was complete and accepted. I waited a couple of months then finally received communications from the State as well as XXXX XXXX regarding funding being exhausted and the application being deferred to the other program. After receipt of the last communication XX/XX/XXXX, I was contacted by FCO ( Fair Collections & Outsourcing ), a collection agency for the balance remaining for rent for over $ XXXX. I moved out of the home in XXXX to prevent additional charges being incurred once I realized my application wasn't being processed in a timely manner and have been in constant communications with my property manager, but without notification the balance was sent to a collection agency. I would like to know what recourse I have in order to protect my credit. I have a feeling this agency will attempt to take me to court, and I am very concerned about this.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax has re-added late payments to my credit report. I contacted equifax about this last year via a dispute, the CFPB, and XXXX. I submitted pages upon pages of documents showing that my student loans were never late. Equifax updated my report and removed these false late payments. But, now they have re-added them to my report fraudulently.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

EFX Code E Fraud Victim Alert Type Extended RPTD XX/XX/XXXX, Effective XX/XX/XXXX Contact ( XXXX ) XXXX XXXX XXXX Daytime address not provided/ Additional info recvd from XXXX FRAUD 3rd Party on my credit report. 
I tried to call this number today, XX/XX/XXXX but no answer, just beeping.
Consumer complaint received 2021-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

Ally Financial is reporting that I was eight times over 30 days late on my account.by my records I was one first time late over 30 days on XXXX XXXX other 7 times I was not late.i file a dispute with them over 3 months and all I get is they need more time to research my account. Also.Ally was reporting to the credit bureaus my balance with them was XXXX .when it really was XXXXthis is greatly affecting my quality of life.i have applied for credit and have been turndown.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (GA)

I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

my Bank of America checking account was hacked and my debit card was fraudulently used to pay for XXXX XXXXXXXX XXXX for the 2nd time the first incident was on XX/XX/XXXX in the amount of {$9.00} plus an international fee of {$0.00} which took Bank of America approximately 5 day 's to refund the charges however this claim is still under review and not resolved now the second incident was on XX/XX/XXXX by the same merchant XXXX XXXX XXXX  in the amount of {$19.00} plus an international fee of {$0.00} on this transaction it has caused my account to become over drawn at this time. Bank of America has charged me an overdraft fee of {$35.00} which they are refusing to reverse this erroneous fee but has refunded one of the fraudulent charges of {$19.00} which still has my checking account over drawn.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

In approximately XX/XX/2016, via telephone I was disputing the charges. but didn't feel listened to. I was explaining I believe some charges were from another source and disputed the overall balance. I got nowhere. I hate to think my identity was hampered with but the company reps didn't seem eager to assist.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I responded to a promotion to open an account at citi bank.It said If you open and fund an account and keep it open about 2 or 3 month you will receive a bonus based on the amount. It said you could withdraw some of your money but then your bonus would be smaller or XXXX based on your deposit amount. 
I opened and funded the account with $ XXXX which I transferred from my account at XXXX. 
Then I needed some of the money, so I transferred $ XXXX back to my XXXX account. 
I then received and Email from citi that I have violated the bank rules and so my account will be closed. It did not say what was the violation. it said the closing of account can take up to 2 month! and if I need the money sooner I should call their XXXX number or go to a branch. I decided to send the remaining $ XXXX to my broker account at XXXX XXXX which I did and money was send to XXXX. I was glad I was done with citi, such a bad experience. 
But the next day money was gone from my broker account. I called them they said citi has recalled the XXXX. I said its my money I did not ask for or approve this transfer. They said citi told them I have done some sort of fraud and they have to have the money back. based on that XXXX also disalowed my trading! 
I called the citi XXXX number, they could not tell me why they have a right to hold my money. I also went to their branch in XXXX XXXX, again they just gave me wrong and useless direction. and finally I was told nothing I can do. the bank will send you the money when they want, could be 2 month! 
The have ruined my reputation with my broker. They have held on to my money for no reason illegaly. I have been treated like a criminal whiteout any explanation. Obviously the bank has made a mistake. I need my money immediately.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On two reports from the XXXX credit bureaus, the payments are listed as 30 days or less delinquent, and on one report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( XXXX ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX is nor updating my fico score. It's been. Stuck with same s ore since XXXX and up to today its still not moving
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

XXXX XXXX XXXX, XXXX, have been calling my workplace, everyday, 5 days a week, for about 3 months. 
When the phone is answered by an employee other than myself, they hang up. 
Twice I answered the phone with a " Hello '', instead of my company 's greeting, and then the caller identified themselves as Portfolio Recovery. Both times I told them that the number they were calling is a place of business and NOT to call there. 
What makes this worse, is that this is an attempt to collect a debt that has been " charged-off '' by the original creditor, and Portfolio has posted this debt 4 times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to my credit report as a " new debt '' and " collections '' on my credit reports. 
Portfolio Recovery is placing my employment in jeopardy and willfully damaging my credit by their actions, which are highly unethical and in the case of calling my place of employment after being told not to do so, may be illegal.
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a dispute earlier last month and still see my report reflecting negative information on my personal profile. There are wrong addresses listed on XXXX and Experian. I would like these addresses removed immediately since they are incorrect. These are the addresses being reported on both " XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' this one on XXXX " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX '' and this one on Experian " XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 '' I would like this information corrected right away.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (NJ)

Hello I have been calling customer service to have a card sent out to me and they have been given me the run around .its literally been months since I have not got a card in the mail then they told me I have to send in some information so they can verify my identity and I have cooperated and sent in every thing that was asked of me and of course nothing what could I do about this issue
Consumer complaint received 2020-06-03
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. (NY)

I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, Experian and XXXX  I have fallen on XXXX XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.
Consumer complaint received 2024-03-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (HI)

I was offered a 20 % discount with Lowes through synchrony bank, which I immediately redeemed with a new purchase of a storage shed that was about {$1000.00}. After my purchase was made, the store canceled the order without contacting me, since I had already made the purchase, it used my code, so when I tried to make another purchase, it said that the code had already been used.

I tried to call the Lowes and synchrony but was never able to reach a person, until today. 

When I explained what happened I was met with a highly unreasonable response and a refusal to honor the discount code that was the reason I signed up for the card in the first place. 

This is an unfair and possibly deceptive practice to entice people with discount codes to sign up for their credit card, then make it difficult to reach a person who can help, then refuse to honor the discount when someone does manage to get through. 
This company has no controls in place to ensure that discount codes are honored and reinstated when a purchase does not go through. Instead, they apparently leave it to the customer to struggle through their automated phone system until they give up on it. 

I've spent hours of my life trying to resolve this with the synchrony to no avail, all this while just having a baby and trying to deal with that as well. 

As a sidenote, when I asked for a number to corporate, I was told that there is no phone number, and I must mail them a letter. Further highlighting the red tape this company has in place to avoid honoring their promotions.
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Keynote Consulting, Inc. (IL)

My company ( XXXX XXXX ) was using a fire alarm monitoring service provided by a company called XXXX XXXXXXXX. 
I signed the service contact ( XXXX XXXX ) and it gave a personal guarantee. The contract did not how ever list or explain what would happen if the contract was canceled. And I was charged a fine of {$7200.00}. 
XXXX XXXX then employed a debt collection agency called Keynote Consulting to collect the debt. I then passed the dispute to my lawyers who highlighted the issue that the charge was not valid since it was no included in the signed service contract and there was no mention of a fine in the event of early termination. 
Keynote consulting then filed circuit court of XXXX county and the case was dismissed, but yet the charge of {$7200.00} remains on my personal credit and as the debt collector from Keynote consulting said " they will keep dinging my credit until I pay up '' As you can see from the attached contract no where does it mention a early termination fee. And as the case was dismissed in court, the charge should be removed from my credit report. 
Thank you for your time.
Consumer complaint received 2018-07-13
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: PENTAGON FEDERAL CREDIT UNION (TN)

I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.