davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name. is XXXX XXXX XXXX. I am reaching out. today. to have the following negative items removed from my credit report. The items I need. removed are listed. in the report attached. I have notified the companies. that I. did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal Trade commission and I also attached copies of my federal trade commissions identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is the worst credit reporting agency that exists. They really need to be shut down. I have been trying for years and I can never contact Transunion to get any help at all! The only way I am able to monitor my transunion report is through 3rd parties such as XXXX XXXX. 
Transunion 's website does not work! It either never loads or you can't log in. So, I can't even help myself by using the website. Then I try to call them and I sit on hold for a long time only for the line to just hang up. 
Currently I am trying to dispute an inquiry and place a credit freeze on my account due to identity theft but I am unable to do either of those things because there is no way to reach someone on the phone or access my account online. I can't even get my free annual credit report because their website does not work! 

The biggest problem for me right now is to be able to freeze my credit and I need to be able to access it online so I can Unfreeze it at any time since I'm currently trying to get a mortgage. 

They should not be allowed to be a credit reporting agency, they have all of my information and can just put anything on there they want to and I can't do anything about it. They need a website that works, they need customer service to answer the phone to help people. This has been going on for years and I just gave up a long time ago. but now I really need access to my file immediately. 

Someone please help!
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Columbia Collection Service, Inc. (OR)

They had me served at a bogus address so they would win by default they garnished me repeatedly without me noticing. Refuse to send me a statement refuse to tell me how much money they have received or is owed, refuse to notify court & credit bureaus that they have been paid. They also garnished the corporation 's bank account that I am a member in not my personal account not my money. I had no knowledge of this debt never received a bill the hospital failed to bill me or my insurance. I found out about this when I had my identity stolen i found it on my credit report and called them.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KS)

Around XX/XX/2021 got a phone call from US Bank stating that both checking accounts had been restricted. He accused me of being a criminal. 
Once a week I would check with the fraud department in reference to the account and no response. I have made numerous attempts to talk to someone at the bank. I even had a problem changing my address, because I recently moved. 
I froze one of the accounts due unauthorized transactions. This was brought up by the bank that was an option that I could do. And then I got the call stating my accounts were closed due to fraud. They would not give me an explanation of the fraud charge. He said there was a transaction in the amount {$340.00} from XXXX that was turned in as a fraudulent transaction and that was the reason for closing. They have not released all of my funds to me yet. They returned {$3200.00}. They still owe me {$2000.00}. But most of all I did not do anything criminal. And want fraud off of my background. I can not open a checking now.
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX they were told that this account was paid in full to XXXX Bank they called me a XXXX lier and called my work when ask not to call me at all l told them to send all correspondence by Mall. Have recordings of the conversation.
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I never received the bills from Best Buy credit card, and therefore was not aware of the payment dates, once I was contacted by phone I learned of the issue and submitted payments immediately, and have paid the balance in full. However, the missed payments have placed a bad mark on my credit report, and as I am a young father of XXXX children who is preparing to purchase a home that is dramatically impacting my life. Please remove these bad marks from my record as I never received the bills.
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

Dear Sir, MadamSince late 2012, I have been going through recurring personal and family crisis and I fell, several times, behind in my JCPenney credit card payments. The debt was then transferred by JCPenney to Synchrony bank to which I paid between {$76.00} to {$96.00} each month. On or about the XXXX of XXXX, I called Synchrony bank to ask it to postpone processing payment by three days because I did not have enough money in my account and I wanted to avoid the many overdraft fees XXXX XXXX manages to charge me with often. I talked to a representative on the phone who asked me what causes me to have financial troubles ; therefore having troubles at times, paying. I told him about some of the challenges I have been facing for about 2 years now and he asked me to stay on the phone to get me another person who could modify the terms of the agreement so that I would have a lesser monthly amount to pay. Someone then came to the phone and we made an agreement for me to be paying {$36.00} monthly and the payment postponed for the XXXX of this month. I was therefore, totally, completely, taken aback when I visited XXXX XXXX XXXX website, shortly thereafter, to find that not only Synchrony bank withdrew {$76.00} and another payment of {$36.00} was also processed by JCPenney. I found myself again in overdraft situation and XXXX XXXX charged me, as expected fees because of it. I called Synchrony bank and the representative 's reply was " Oh, that because, on the phone conversation, you did not specify that you wanted the previous agreement canceled. Stay on the phone and I 'll transfer you to customer 's service ''. " If I do not get a response from customer service? ", I asked. " Then call the bank to oppose payment '' Surely customer service did not answer and I called XXXX XXXX to tell it what happened. Its representatives said that they can deny the JCPenney payment but can not do this for the {$76.00}. i sent an e-mail to JCPenney which responded and said it has nothing to do with this, that it is solely, has to do with Syncrony bank. XXXX XXXX refunded the overdraft fees it charged. 
This is where things are right now. 
I thank you for your time and attention. 

XXXX XXXX XXXX
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

XXXX Received a statement from Comenity-XXXX, promotional balance deferred interest issue. Retailer applied a statement due that that is different than the promotional end date ( last statement due XXXX and promotional end date, XXXX ), making the consumer to have to pay additional interest of {$850.00} at an interest rate of 29.99 %. Interest calculation is very disingenuous and predatory. Having to make this additional payment for interest that is supposed to be 0 % promotional after all payments were made on time and in full within the due date of the statement is totally a sham or very devious. Retailer is unwilling to correct this issue or provide a favorable resolution.
Consumer complaint received 2019-05-22
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. (VA)

one Equifax is reporting a collection after I sent a letter from the company paid in full.

2. all three is reporting a higher usage than is correct it need to go down since I have paid the loan in full it went up when the loan was reported to the three reporting and now since the loan is pain in full it should go back down at all three crediting reporting
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Windham Professionals, Inc. (NC)

I signed up with XXXX University on line. Told my student advisor I was XXXX and suffered XXXX. Was not sure if i could handle the pace. XXXX XXXX, Advisor, told me verbatim, " No worries, if you find you ca n't handle the program you may quit any time and only owe for the time in the program ''. I was on line 3 weeks and emailed her it was too much. She replied, " Okay, i will put you in for a resubmit for next semester '' I told her, " NO! i do not want to continue '', she resigned me any way and now they have been trying to collect for 2 full semesters. I am on XXXX and barely paying my living expenses, I can not repay this loan, and I feel I owe then nothing, period!!
Consumer complaint received 2016-06-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Credit Card Receivables Fund Incorporated (TN)

This is debt that I have never owned. I was and have been a person with identity theft. This debt collector has placed a public record on my credit report and has placed a lein on my property located at XXXX XXXX XXXX XXXX. Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$4000.00} Classification -- Type legalitems
Consumer complaint received 2015-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Consultants, Inc. (CA)

DIVERSIFIELD CONSULTANTS INC HAVE VIOLATED FCRA RIGHTS. 
They have reported to XXXX XXXX on XXXX XXXX, 2015 on an collect account as a new account. First of all, this account was originated over 5 years ago and was included in a Chapter XXXX BK. second of all, they never advised me of the new reporting. It is very illegal for any company and a clear violation of my FCRA rights to report to any credit bureau on an old account as a new one.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My complaint is that Trans Union will not remove the bankruptcy off of my credit report 6 months before they claim it is supposed to come off my report-that is it! 
Trans Union came back with something about about how they do n't control my credit score etc, etc. 
The bankruptcy has been on my credit report for 10 years removing it 6 months before Trans Union claims is when it is supposed to come off should not be a problem.
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX 2016, I had XXXX fraudulent charges to my credit card. That card was cancelled, and the credit card company applied the appropriate credits. But after the card was cancelled, I received four other credits from XXXX merchants. Those credits were not automatically applied to my new credit card. I 've now called 5 times, and only one credit has been applied. The other XXXX credits were applied as CHARGES to my new card, which still has n't been resolved.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (GA)

I contacted the company to let them know this account has been previously removed due to ID Theft. The company sent an affidavit to be motorized and returned. The company agreed to remove the debt from my credit report. That was over 60 days ago, they said they would remove it refused to send me anything in writing. I am very upset and requesting the company remove the items from my credit report. They told me I must wait until they report.
Consumer complaint received 2015-04-15
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCB Management Services Inc. (FL)

I was contacted by this person that claimed he had purchased my loan from another company in which I had been paying on for over 6 months by auto draft from my account. This guy proceeded to tell me that he needed me to give him my account information so that he may continue to draft payments from my account. Needless to say I refused to give my information out over the phone and since then he has continued to harass me, calling constantly XXXX times daily. He has also contacted my sister and my mother which is unacceptable. Is there anything that can be done about this?
Consumer complaint received 2015-10-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Peak Acceptance, LLC. (NV)

I cosigned a car loan financed by Peak Acceptance Corporation, they continued to report a loan I had with them as opened/late on my credit report. The vehicle was repossessed back in 2013 and has charged my account over {$3000.00} in interest without any statements being sent to me. I have disputed this information through XXXX and have not seen any changes on this loan information.
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (IN)

On XXXX XXXX, 2015 I received a phone call from Credit Management , LP regarding an alleged balance owned to XXXX in the amount of {$88.00}. On the same date I sent to Credit Management , LP a letter via certified mail disputing the debt and provided written confirmation of account cancellation effective XXXX XXXX, 2015 as well as payment in-full through that date. I requested that Credit Management update their records and cease & desist contacting me regarding this matter. I received signed confirmation of delivery of my certified letter, however Credit Management continues to contact me by phone with regularity, the most recent of which was today XXXX XXXX, 2015.
Consumer complaint received 2015-06-02
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (FL)

I made a deal via XXXX. The seller wanted to be paid via wire transfer. I contacted XXXX through " live chat '' and XXXX approved it. I wire transfered the money. XXXX XXXX, XXXX, I made the wire transfer from my Suntrust Bank accout to the seller 's account at XXXX Bank. Following the transfer the seller contacted me and asked me change the XXXX account where the money was getting transfered to. I contacted XXXX again to inform them of the seller 's request. The XXXX receptionist asked me the item 's ID number, I gave it to her ( XXXX ), she told me that they had no such item listed. I asked to speak with her superviser who aknowledged the item and the transaction and told me that it was a scam and to try to get my money back. I returned to Suntrust bank and asked to stop the wire transfer. The teller told me it was too late to stop the wire transfer ; however, for a {$25.00} fee we could fill out a form to avert XXXX XXXX that the transaction was fraudlent and try to recoup the money. We did that and are now waiting to hear from XXXX XXXX. My intent is to get my money back. Can you help me?
Consumer complaint received 2022-09-05
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: N.A.R., Inc. (MI)

Information for N.A.R. Inc. 

On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank to XXXX ( Bill of sell, Crook 1, Crook 2 ). 

These are the person who hacked into my computer between XXXX and XXXX. 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was XXXX card but now with these court Documents I believe it was the two crooks 1 and 2. 


I would like to Know HOW many other fake accounts were set for the XXXX  up by these two crooks!!!! 

I am A XXXX XXXX XXXX XXXX  veteran!
Consumer complaint received 2017-04-29
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc. (TX)

On  XXXX   XXXX ,   XXXX  , I have started receiving BLOCKED CALLS at my JOB from Th e Delta Management  company, a collection agency working on behalf of ASA. The lady left voice mails for me to contact them.     I began receiving at leas t 3 calls per day. I do not answer blocked calls at work. This has caused a lot of mental anguish to me and my supervisor monitors my calls to where this may  cause me problems with my employer.     I reported the name and number left on the voicemail to the DO NOT CALL website.
Consumer complaint received 2023-03-28
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: WELLS FARGO & COMPANY (TX)

Here is a list of credit card charges that I did not make with this bank. 

XXXX. XX/XX/XXXX XXXX XXXX XXXX for {$24.00} XXXX XXXX XXXX for {$19.00} XXXX. XXXX on XX/XX/XXXX {$28.00} I had to XXXX what that was to be honest. 
XXXX. XXXX XXXX XXXX {$71.00} on XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX {$720.00} I have no idea what this purchase is and it does not sound familiar either. 
XXXX. On XX/XX/XXXX {$1.00} XXXX XXXX cc XXXX XXXX. XXXX XXXX {$140.00} I do not have any pets as well not even in this year nor month on XX/XX/XXXX XXXX. XX/XX/XXXX pymets XXXX {$30.00} Sales and service XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX? {$380.00} XXXX. XX/XX/XXXX XXXX for {$30.00} and {$30.00} as well. 
XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX for {$51.00} and {$54.00} XXXX. And this last one is a transfer of {$2.00}, XXXX what is this about?
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

I upgraded my XXXX XXXX XXXX internet service back in XXXX, XXXX was suppose to cancel the old service once new service was connected. I recieved a bill for the old service for {$130.00} months later I contacted XXXX twice and was told no problem we will take care of it and that I do not owe it. Today I got a collection notice stating I owe XXXX. I have been on the phone with XXXX XXXX XXXX for an hour and half I have been transfered 6 times and this is still not resolved
Consumer complaint received 2024-01-22
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)

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. 

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc. (AZ)

Diversified Consultants Inc has continually called me 5-6 times a day after repeatedly being told never to contact me via phone. They refuse to aknowledge the company they are wokring for when calling and hang up when questioned.
Consumer complaint received 2015-11-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have contacted capital one bank several times since I found out they were reporting XXXX default debts that were paid in a settlement agreement. in the agreement when I finished paying the agreed amount they would remove the items from my report. they have not removed them and I keep getting the run around and they keep trying to say it was third party agency however capital one is the XXXX reporting it and they are the ones I paid. they are using deceitful practice to collect money and then not holding up to what they say they will do. after several phone calls to capital one I received a letter saying I need to talk with a third party agency they pay to collect money and make their agreements. As I explained on every phone call capital one is reporting it and they are the ones I paid.