davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MS)

On XX/XX/XXXX I purchased a mattress at the XXXX XXXX XXXX store in XXXX, LA. At the time of purchase I was told I was eligible for XXXX months deferred interest payments if I applied for an XXXX advantage credit card. My salesmen, the store manager, and financing specialist all promised this, my husband was present and was promised the same. I had been paying on my balance to have it satisfied in about XXXX months. However, on XX/XX/XXXX I received my statement from XXXX XXXX   noting my balance had increased by {$860.00}. After logging in to view my account history I saw that my promotional period had ended and the backlogged interest had been charged to my account after on XXXX   months.
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-01
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. (NJ)

I started my investigation on XX/XX/2021 - I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed dated 02/2021 and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-06-01
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. (NJ)

I started my investigation on XX/XX/XXXX- I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

1.XXXX XXXX  XXXX was added to my credit report in error this is not my account 2.XXXX the balance is incorrect and I have never paid late 3.XXXX  XXXX was added to my credit report in error this is not my account These large items along with others have been disputed with the credit bureaus and are still reporting on my credit
Consumer complaint received 2021-06-01
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. (OH)

Its been over 6 months and per tracking ( investigations have been received ) I started my investigation onXX/XX/XXXX I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2018-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I have called paypal and informed them that I do not have a paypal account with them. They refuse to listen over the phone. These representatives are from a foreign country and I am not sure if they really want to help individuals from the United States.. I have heard representatives make statements like foreigners came to The XXXX XXXX XXXXXXXX and made a mess. I am very disturbed to hear that people actually travel to a foreign country to behave like this. This does not excuse the fact that Pay pal should have a department that handles accounts that are created with the intent to harm a individual or cause fraud. I have never created a paypal account and it should be investigated. Please assist me. This has cause so much emotional distress.
Consumer complaint received 2018-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I have several accounts with Citibank for many years. I have single accounts and accounts that was joint with my ex-husband. About a week ago I logged in my online banking and noticed that my ex-husband name is coming up on my online banking login. Then I receive email stating about changes made to my account. I seen a person first in the branch and they show me that everything was somehow crossed with my ex-husband. All my personal accounts now had his name and social security number and my date of birth. My debit card once they enter in the computer it comes up with my ex-husband name instead of mines and my name is listed on the card. I called in 2 times to have the problem resolved. the first person I spoke to was XXXX and he involved his supervisor who told him she was going to fix it and all she has to do is just issue me a new debit card. I told him I that not to be true because I am no longer listed on my own account he is listed as the signer. I then called back and ask to speak to a supervisor which the lady immediately put me on with XXXX the supervisor ( I just want to say just how nasty this lady was she didn't even try to help me ). I explained the situation and all she kept saying was go into a branch I can't do anything for you. I asked was she even going to try and assist me that when she asked me for my debit card number, but she still kept telling me to go to the branch. I asked to speak to her manager she told there is no one above and her manager is maybe in a meeting. I hung up. My privacy is more than violated because now my ex-husband has access to all my information and they made changes to my account without my authorization. All now my issue wasn't resolved I need help all my direct deposit goes into this account.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, transunion, and XXXX.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (UT)

My BBVA account was recently acquired by PNC Bank without my knowledge. PNC Bank failed to notify me of the acquisition as well as any chance to avoid fees. Therefore, I had no chance to avoid the fee of {$2.00} for sending me a paper statement. This paper statement was the first notification I received from PNC Bank. When I called and asked for a refund, PNC Bank refused to comply stating that the fee had been " properly assessed ''. I did not have paper statements when I was with Simple nor did I have paper statements when I was with BBVA. I have closed out my account with PNC as of today ( XX/XX/2021 ) so that they can not charge me any further fees they have not properly notified me of.
Consumer complaint received 2022-11-17
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. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC (SC)

On XX/XX/2021 I XXXX XXXX the natural person received a letter from Credit Control LLC stating that I pay debt. I do not owe any debt to Credit Control or did I do any business with them for them to have my information and I am furious that they inconvenience me by calling and me and asking for money and send me letters demanding money. This a violation of my consumer rights and according to 15 USC 1692k the are criminally liable for {$1000.00} for each violation they've violated under the FDCPA.
Consumer complaint received 2021-06-01
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. (WI)

I have been trying to address wrong information and fraud on my dredit report on accounts that been paid of by insurance company or the account was not open by me do to me being in federal custody but the creditors and credit bureau 's dont listen and respond with negative responses I even showed proof that I been at my address for 25 years and the addresses that were used to open these accounts have nothing to do with me but my proof they just ignore they cant even send me the documents I reques to show me how these accounts are linked to me I went to a lawyer who advised me to pay them and all this would go away but none of it went anywhere it only made things worse now I have to live a rougher life after 15 years in prison when all I want is for my credit to be the way it should and all these accounts that are fraud by identity theft.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EQUIFAX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

Started calling me a few weeks ago. I told them we are in a lawsuit against each other and that they need to contact my attorney. The first time I actually answered they said to have my attorney contact them, which I asked the attorney office to do. The second time I actually answered, I told them we are in a lawsuit and they need to speak to my attorney and they said thats not how it works, which is untrue so I hung up.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TN)

ProCollect wants us to pay {$13000.00} for an illegal debt not owed. They state they are not the company to speak to. Well, please explain why they have a debt and have hit our credit? The debt not owed on our credit report has their name on it. They are responsible and are committing extortion. XXXX does not have our debt. PROCOLLECT has their name all over it. They are in violation of FCRA and violating my Rights under TN State law and federal law. I assume the people at PROCOLLECT are illiterate. The debt has their name on it. No one else has their name on it. It states PROCOILLECT the village idiots of debt collection have their names on it.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased a car from XXXX XXXX XXXX who got me a loan at the dealership from Santander Consumer USA. XXXX XXXX and Santander both facilitated an unfair, and high rate interest loan to me, and thousands of other buyers according to XXXX XXXX, the Attorney General of Massachusetts. The US Department of Justice is also investigating. Santander along with XXXX XXXX funded my loan without a reasonable basis to believe I could afford it, predicting I would default. Which is how I was able to get approved for a car with no co-signer, at the time poor credit, and making $ XXXX a year before taxes, and walking off the lot owing $ XXXX. Santander knew some dealerships had high default rates due to inaccurate iformation on loan applications, but kept funding the loans anyway. Which is how XXXX XXXX was able to " approve '' me, despite no other bank in the country, not even a buy here pay here deeming me credit worthy. Some of the dealers were even identified as " fraud dealers '' in a class action lawsuit, but continued to fund I have been in contact with Santander numerous times in the past couple years, and they are sticking to their word as they do not settle, and they have done nothing wrong, even though they have settled, and admitted wrong doig, and their CEO stepping down, in the midst of this whole illegal act which caused the 2008 recession. I was picked up from my apartment and taken to XXXX XXXX in XXXX, GA from my place in XXXX, GA, about 20 miles away. With the intention on buying a XXXX XXXX, at a monthly payment of {$250.00}. They even took me to XXXX XXXX, to retrieve the {$2000.00} down payment. When I get there " they just sold the XXXX, '' but there was a XXXX XXXX available for a little cheaper price. Once credit application was switched to the XXXX, they came back and said my monthly payment will be a little higher because of credit. from {$250.00} to {$320.00}. approved with Santander, when no other bank would, because of the collusion that I would default. A the time of signing I was never told that interest would accrue daily, which was on the back of the contract and never went over that. Also in almost four years the purchase price of my car was {$11000.00}, I currently owe {$10000.00}. This because they believed me to default long ago, and if not I would continue to pay them past the 72 months I signed for.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (SC)

These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at Experian, XXXX, and XXXX however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  ( RAN ON MY REPORT 3 times ) XXXX XXXX XXXX XXXX XXXX Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i XXXX Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC (OH)

This is a follow up to complaint : XXXX The servicing company GMFS customer service has been extremely unhelpful throughout this process. My husband and I are trying to payoff his parents mortgage which is held by XXXX XXXX and serviced by GMFS. Every time we call we are getting the run around and not any guidance or ways to help. We were able to resubmit the wire since XXXX withdrew the wire due to lack of all of the information. My husband resubmitted the wire and got confirmation that it was accepted. He then called GMFS to confirm receipt and they said it could be 24-48 hours to give us any information as to if they even received the {$57000.00} in payoff. I am so frustrated with not having anyone truly help us confirm anything. 
After my calls on XX/XX/XXXX inquiring and looking for guidance which I got some rude customer service rep for the 4th time, I received a text from a XXXX which is an Arizona number right after the customer service rep ended our call. She text the words " XXXX XXXX XXXX and when I responded pretended to not know who this was. I can confirm the call center from GMFS is in Arizona. I am attaching the text and also all of the other information to the original complaint. The woman the I spoke to that I think was the name XXXX or XXXX. She would not give me her NMLS ID or last name.
Consumer complaint received 2021-07-19
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. (MS)

I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with Experian, XXXX, and XXXX on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent the proof to Experian, XXXX, & XXXX that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XX/XX/2021, XXXX & XX/XX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.
Consumer complaint received 2018-03-02
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. (CA)

My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.