davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MA)

This complaint is about the TJX Rewards credit card through Synchrony Bank. In addition to a very high interest rate, the Bank routinely thwarts the account holder 's ability to access their account and pay the bill, and then charges a late payment fee. The website is routinely inoperable, blocking access to account information and the payment portal. I did not receive paper statements in a timely manner, sometimes only XXXX or 4 days before the payment was due, and sometimes I did n't receive statements at all. When I called the card company to complain after receiving a late payment fine for a bill I never received, I was urged to switch to paperless statements, which I did on the promise of XXXX access to my account and the ability to pay the bill online. Yet the website never seemed to work correctly, and on the infrequent occasion where it did work, it did not show real time account information such as recent payments. It would not even show the prior month 's payments, even if payment had been made weeks before. It was so bad that there was actually a disclaimer next to the account balance figure that said it might not be accurate. The combined effect of these systemic failures seemed to be designed to keep cardholders from understanding how much they owed and how much they paid at any point in time. It seemed designed to block access to information and to block the ability of the cardholder to make their payments accurately and on time, the result of which ( perhaps intentionally ) was to slap on late payment fees. I canceled my card today after the website was inoperable once again.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (MD)

I received a letter dated XXXX XXXX, 2015 from Barclaycard which memorialized a conversation between myself, Barclaycard and XXXX. The letter from Barclaycard states XXXX canceled my subscription and provided a cancellation reference number XXXX. To date, I have continued to receive erroneous " subscription '' charges on my credit card, late fees, and other charges on the card. I paid off the card to a XXXX balance in XXXX 2015 and yet, each month, additional charges appear on the card under the guise that I am responsible for paying it. I want the account closed and the charges to be reversed since I have not authorized a single charge to the card in more than 5 months.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove immediately.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Negative accounts are being reported on all three of my Credit Reports : XXXX, Equifax, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .
Consumer complaint received 2015-09-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastpoint Recovery Group, Inc (MN)

XXXX was the original debtor, received a call from some guy named XXXX XXXX from Eastpoint recovery claiming that before my case goes into court they were trying to avoid court preceedings etc ... 
He has called my family members and disclosed my debt to them. I was scared into paying a down payment to keep my account out of court. They first took XXXX then XXXX within a month time. I requested a verification of my payment plan but never received it. they then try to take more than the amount agreed on the next payment. I still have not received any written verification of the debt or this company.
Consumer complaint received 2015-06-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Accelerated Financial Solutions, LLC (MD)

XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On my Citibank credit card, I had 2 balance transfer offers with different rates. Offer 6 had an interest rate of 0.99 % which expired on XX/XX/XXXX and was transferred on XX/XX/XXXX to the Standard Purchase rate of 19.99 %. Offer 5 had an interest rate of 1.99 % which does not expire until XX/XX/2022. The minimum payment due on XX/XX/XXXX was {$130.00}. When payments were made on XX/XX/XXXX and XXXX, the minimum payment due should have been applied first to any interest due, then to the lower interest rate balance of Offer 5. The remainder of the payments should have been applied first to the balance with the higher APR, which was the standard purchase balance from Offer 6. Another payment was made on XX/XX/XXXX, which should have been applied in the same way and would have paid off the standard purchase balance from Offer 6. For some reason Citibank transferred the balance of Offer 5, which was not supposed to expire until XX/XX/2022, to the standard purchase rate. There is no record of that transfer on either my XXXX or XXXX statement, as there is for the transfer of Offer 6. I am uploading copies of the letters I sent to Citibank and the letter and statements I received in reply.
Consumer complaint received 2015-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (AL)

I was called by Diversified Consultants Inc. on XXXX/XXXX/2015 and the caller received my personal address and ss # without knowing whom he was speaking to. The caller was XXXX XXXX and his manager said he was allowed to do that. Her name is XXXX XXXX. They refused to give me the companies phone number to call them back.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am not liable for this debt with XXXX XXXX XXXX and XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX and XXXX XXXX XXXX. They also did not provide me with the original contract as requested. I would like for there to be a correction to my credit report. I demand that these items be deleted immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2022-02-12
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. (GA)

I sent in my police report and my FTC affidavit to the three credit bureaus Experian XXXX and XXXX XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also has has all these names on the file that has nothing to do with me XXXX, XXXX, XXXX XXXX, XXXX, H XXXX, XXXX, XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

My client, XXXX XXXX, has an account at XXXX in XXXX, Tennessee and he wire transferred {$38000.00} to me XX/XX/2015, Wells Fargo account number XXXX. Wells Fargo claimed the funds were stolen and told me the funds were sent back to XXXX. XXXX claims they have no knowledge of the funds being sent back.
Consumer complaint received 2017-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

Paypal has accused me of selling prescription drugs through pay pal. This accusation is 100 % false and defamatory. The company first accused of a transaction of {$35.00}. These funds was money that I owed my neighbor ( a US  service member ). They froze the account and did n't allow these funds to get to the service member. I emailed them and told them that it was a mistake. Then they reversed their decision and blamed another money transaction of {$110.00} that I transferred to my wife 's friend ( he owed her money ).     As of right now my funds are frozen and I can not access my account. I have included the emails from Pay Pal and the email I sent them on  XXXX   XXXX  and their responses the following days.     I do not sell drugs and I want my money back, the funds must be sent to the service member and I want access to my good standing account. This is an unfair and abusive practice. Pay Pal must correct this ASAP and stop accusing consumers.     Thanks,  XXXX
Consumer complaint received 2020-12-11
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 — Problem with personal statement of dispute
Company: Checkr, Inc (NC)

County Searches : I don't understand why this is on my report Charge : XXXX XXXX XXXX ( STATUTE : XXXX ( A ) ) Explanation : This was a family oriented first offense moving into a new state and a new city, not XXXX related with passengers at risk. This offense was way before I started doing XXXX XXXX XXXX  from year XXXX until XXXX with tremendous ratings and passenger satisfaction. Their safety comes first much like I am a responsible father and driver to my kids and family. You can not ignore my XXXX XXXX  with complete satisfaction record. Please review this offense and have the report fixed so that I can be reinstated to drive for XXXX Thank you,
Consumer complaint received 2017-03-03
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (TX)

I used Western Union to wire money. They give the option of paying with a credit card. They do not give clear notice that this may/will incur significant fees from the card. They list this at bottom of page, with a number 2 that does not correspond to the credit card selection. This is, to my mind, intentionally misleading. At no point in the transaction was it clear that I would be charged over {$25.00} in fees. Thank you for your help.
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (MD)

The purpose of this letter is to inform you that I disputing my debt with Ability Recovery Services XXXX LLC of {$2000.00}. The debt that I owe originated from XXXX University XXXX " the School '' ). The reason why I am disputing this debt is because my outstanding debt to the school is {$1600.00}. However, upon receiving a collection notice from the Ability Recovery Services XXXX LLC ( " the Company '' XXXX, the outstanding debt increased by {$400.00}. 

On XXXX XXXX, 2015, I spoke to XXXX XXXX XXXX a representative of the Company to request the actual amount I owe to the School. During my conversation with XXXX XXXX, I informed her that the collection amount sent to me was incorrect and that I was told by the School to ask them how much they were charging me over and above my outstanding debt. XXXX XXXX 's response was that her company was not going to disclose that information as I did not have a need to know about my outstanding debt and that the Company had a right to profit off of me. After writing the attached letter to the Company on XXXX XXXX, I received an Account History Report from the Company on XXXX XXXX, which I have included. 

There are few issues that I would like investigated. The reason for the investigation is that I believe the Company is conducting an unethical business. 

The XXXX item I would like you to investigate is the excess charge of {$400.00} over and above my outstanding debt with the School. The XXXX issue deals with the threats and harassment by XXXX XXXX. XXXX XXXX became threating and started harassing me during the conversation in which she told me it did not matter that I was working with the School as they were going to report my outstanding debt to the credit bureau regardless of the efforts I was taking to address my debt. At that point, I asked to speak to a manager and was not allowed to do so. In fact, XXXX XXXX told me that was not going to talk to me and that they had no reason to do so. She proceeded to hang up the phone on me. 

In closing, I am still striving to work with the School to see if we can settle my outstanding debt and set up payment arrangements.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (LA)

I requested an credit increase and was denied. Pursuant to 15 USC 1681a I have an open ended credit plan, open ended means that there is NO limit, considering this fact in law there is no way that I can be denied credit because there is NO limit to the credit that I, the consumer, can extended through my open ended credit plan using my credit card which is my social security card. This makes ANY inquiry an ADVERSE, HOSTILE and OPPOSED action under federal law as stated by CONGRESS.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The Leviton Law Firm, Ltd. (CA)

I asked for documentation to support the debt and received thtreatening phone calls from agent who called herself XXXX XXXX from the Leviton law Firm
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

The seller agents forced me to go with their preferred lender. My preferred lender could n't so this loan as this is a non-gut condo and referred me to XXXX who are portfolio lender. The seller preferred lender is Penny mac and the loan originator pressured me to only go with them. The penny mac originator told me that they have a special deal with XXXX and only then can do the loan for this Condo. How can XXXX encourage monopoly in consumer finance market? The originator from XXXX tried his best but could n't do the loan as he was either not given or given incomplete incorrect documentation from the seller agents. Finally the seller agent told me that if i go with penny mac then i do n't need to pay any fine even though i was past the due date but the same option will not be given for my preferred lender. In the end even though my preferred lender gave me a 3.75 apr i am forced to go with penny mac for 5 % apr.