davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wallace Management Company, LLC (OK)

This is an old debt that was closed on my credit report. An ex employee I worked with started working at this loan place and they got the information from her and contacted me at work. I was embarssed she humiliated. I cant have personal calls. They threaten to garnish my check and asked to be transferred to human resources
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my Experian and XXXX report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} Opened : XX/XX/XXXX Transunion, XXXX, & XXXX have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXX XXXX demonstrating the inaccuracies. 
XXXX Transunion XXXX XXXX report the last payment as XX/XX/XXXX, as XXXX reports the last payment as XX/XX/XXXX. 
- Transunion reports the closing date as XX/XX/XXXX, as XXXX XXXX XXXX report the closing as No info. 
- Transunion displays XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Transunion reports the account as a charge off - CO, XXXX just as Closed, and XXXX is still reporting XXXX Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.
Consumer complaint received 2017-11-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This is a continuation of XXXX " XXXX ''. CFPB closed that complaint. This matter is unresolved. Bank of America has provided NONE of the requested information or actions. I am attaching my response to their response on this complaint.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/2024, I called Care Credit to find out why, despite paying {$100.00} every month when the minimum payment was only {$62.00}, my balance was not going down. The representative went through my bill and told me that the interest was {$38.00}, and the 'credit card insurance ' was {$30.00} per month. I asked him what was the 'credit card insurance ' fee as I was never aware of this monthly charge. He said when you get a Care Credit credit card, that is automatically added and that I would have to 'opt out ' to get it removed. This was news to me and I was shocked. I had not idea as this was never told to me at all. I would NEVER have agreed to an additional {$30.00} per month for credit card insurance. I thought that was outrageous that they did that. He mentioned he would remove that charge but I should call the company who provides that service and he gave me their number. I then called the company and asked what was the name of this company and she said the company name is XXXX XXXX. The rep there mentioned that I 'opted in " for this additional charge and service. I told her that is not what Care Credit just told me as they told me I was automatically enrolled in this and I was to 'opt out ' if I did not want it. I said, " how would I know to opt out of this if I had no clue about it in the first place ''. So XXXX different stories from each company as to how I was 'enrolled ' in this nonsense credit card insurance. I told in NO WAY would I have ever agreed to opt in for type of additional service. Never would I agree to have a {$30.00} dollar per month charge added to my bill which also, drives my interest rate up further. I struggle to pay my monthly bills as it is and in no way would I ever agree to such a charge. She then mentioned I 'checked the box ' on the application. I asked for that proof as I know I would have never opted for that. She told me she would be willing to give me a {$390.00} credit back. I initially said yes and we hung up. I immediately called back and asked for a full refund as I know I did not 'check that box '. 

I have requested proof of my application and where I opted for this service. The company stated I can not get that proof and they had mailed me some sort of package. 
I did not receive that package they are referencing. When I speak to the reps there, according to them, they can see where I 'checked the box '. If they can see it then they can send me that proof which they refuse to send me after several attempts to get this. 

They say I check the box and I say I DID NOT. Send me the proof. 

XXXX XXXX
Consumer complaint received 2018-01-03
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. (IL)

I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XXXX but openedXX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (TN)

I received a debt collection letter from SST ( Systems Services and Technologies , Inc. on XX/XX/XXXX. I was unaware of any debt that would have been sent to collections as everything to my knowledge was current. I went to create a logon with the company on XX/XX/XXXX and canceled the login as the legal verbiage included permitting the company 'the right to change the amount owed at any time. ' I mailed a debt validation letter to SST on XX/XX/XXXX through certified XXXX mail. The company signed for the letter on XXXX. Since XX/XX/XXXX, I have yet to receive a response to the debt validation letter and the company has called my phone XXXX times, sent XXXX letters, and XXXX texts until I chose to finally block the numbers in XXXX. In multiple voicemails, the company says they are 'calling on behalf of XXXX XXXX ' however, my loan with XXXX was closed, XXXX deleted all their records regarding this matter, and will not speak to me regarding this issue. ( I have attached a majority of these letters and communications to this complaint ). I was not notified by either company that anything was being transferred. I had to resort to XXXX to understand that XXXX had closed all their loans and left the personal lending market. XXXX sold these loans to several collection companies. However, the only information I have ever received about this was XXXX letters from SST in " an attempt to collect a debt ''. Now, SST has reported this debt to credit agencies causing my score to drop XXXX points without any debt validation or proof of ownership.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I had a personal secured credit card with Fifth Third Bank. After they ruined my business account by charging {$40.00} for a cashier 's check two weeks after I received it and multiple overdrafts that this caused. They refunded the {$40.00} back for the cashier 's check a year later and apologized but did not resolved the multitude of charges that this caused. I asked to have all my accounts closed. The secured account had a balance equal to the secured amount of {$300.00}. Fifth third then took that {$300.00} and then charged over {$300.00} in fees. I have asked for this to be resolved multiple times, I'm transferred multiple times each time I call and no one seems able to handle this issue. I've sent letters and it is not resolved either.
Consumer complaint received 2020-05-04
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. (NY)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 
I am requesting that the item be removed or updated to reflect the correct the information. 

Your Company has refused to properly investigate these accounts by saying these are actual fact, when they are NOT. 

XXXX XXXX XXXX XXXX is not my account and needs to be REMOVED IMMEDIATELY
Consumer complaint received 2021-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

In XXXX I decided to take advantage of Citi 's promotional offer of cash back by opening an account ( I actually opened 2 hoping to get 2 different offers one for checking and and one for savings. the savings cash bonus was through their website and the checking promo was mailed and has promo code on mailer. After opening and depositing the needed XXXX in both accounts, I noticed there was no confirmation about this promo. I inquired about this more than 10 times over the last 60 days to find out last night after hours of chatting with support and numerous phone calls that there is no promotion tied to either account and not only did I waste my time opening the account ( which was an unneeded struggle, but a whole other story ) but more importantly I was mislead to believe my money in these accounts would be beneficial to receive the cash bonus. Now I want to use the money in my investment portfolio and close accounts. My checking account is locked and wont let me transfer money out of, my saving will only let me wire transfer to external account by paying a fee. I just want my money in the safest way and accounts closed. I would love to get what was promised, aka the cash bonus. I feel I was scammed my Citi and I don't feel comfortable doing business with them. I am a heavy city card double cash card user and though it would be great to bank with them, I figured they wanted a customer that spent XXXX for personal use via credit card annually. I am disgusted with how they treated me and continuously hung up on my last night as I wanted answers to their XX/XX/XXXX up. I spent about 4 and half hours from about XXXX to XXXX XXXX  last night screaming until i was blue in the face. Something illegal was done on their end, in my opinion. they got me to open an account under false pretense and then hold my funds when I want them back. The only thing they could do is close my accounts and send me my XXXX grand via standard mail with no tracking info. which sounds like the most unsecure way to give a client their funds back. I don't understand why I can transfer into an account to open with out difficulty but changing the flow away from Citi became my worse nightmare last night. Not to mention it took time away from my busy schedule ( actually interrupted my expensive training session. I will gladly give more details if needed to conclude this case. I will probably stop using their credit card as well, spark has the same cash back reward so their is nothing special about CITI
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had credit card debt that i have been paying XXXX XXXX XXXX to take care of my debt .... i paid them close to XXXX XXXX dollars. My payments were going to stop XXXX of 2021, XXXX XXXX XXXX told me that as soon as i pay my last payment in XXXX that i was in the clear and my credit would be restored. I am now being sued by bank of america in which i received a certified letter in my mail box that i didn't even sign for, saying bank of america was going to garnish my wages. i have had no other previous communication with bank of america. any lawyers from bank of america or citadel documnent solutions that this was coming. I emailed the lawyer for bank of america ( XXXX and XXXX in california ) i received one phone call from a para legal secretary that my only option was to give the bank all the money in bulk. i asked to speak to Mr XXXX who is the lawyer, I have yet to receive a call back from him. ( over a week ago ) Please see attached contract agreement with XXXX XXXX XXXX.
Consumer complaint received 2017-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on XXXX  and nothing else.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I  sent letter from XXXX XXXX XXXX For information related to crimes against me
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

I have been disputing this debt since 2019. I deny that the debt is mine or amount owed is correct, deny the interest rate and terms are anything I agreed to. 

I have asked to have the debtor provide a time and place for me to view the original contract not a copy of papers with a copied signature that can easily be copy and pasted. 

I have asked many times for an audit that shows how interest fees and payments were calculated based on GAAP generally accepted accounting principles. 

I have asked that the company remove the negative reporting on my credit report as mandated by federal law until the debt can be proven. The company refuses to remove the debt from my reports until they meet this legal requirement
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (GA)

I paid my bill in full of {$2000.00} on XXXX 2016 by deducting from checking account that included any and all purchases, cash advances in advance. DISCOVER took all payments and processed timely. The acceptance of payments and processing is [ willful agreement ] sufficient and substantiates remittance in full by DISCOVER closing my account after receipt of payments. 

DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date. The communicating through electronic emails [ automated ], phone calls, third party collection agencies and or Reporting false or misleading information, to Consumer reporting agencies outdated and negative or erroneous information about previous business transactions IS CUURENT is " gross fabrication. These and other insidious and unfair business practices is retaliatory action and discriminatory in its applications.DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date by automating system for collection in violation of my constitutional and fundamental rights.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Delinquent account — 
Company: Pressler & Pressler, LLP (NJ)

My name is XXXX XXXX. I had a XXXX XXXX XXXX card back in XXXX. I moved and did put in changed of addresses. I never received a bill from the Company. I just received a letter from Pressler and Pressler telling me they will garnish my wages. I told them I can only pay XXXX a month or so. I only make XXXX and hour. I have other bills to pay including a car payment and car insurance payments and high rent. I have a 5 XXXX XXXX XXXX born XXXX XXXX, XXXX and my Fiance got laid off from her job so its hard to make ends meet. Until recently when I received the papers from The Collection agency telling me they will garnish my wages I never heard from them before or the Credit Card company with Invoice to pay the bill. I always put in a Change of Address since all the other companies like XXXX and XXXX XXXX and my Cell phone were able to send me bills. If the garnish my wages and I only make XXXX My infant son will not have formula or diapers. My son needs XXXX. If he loses his Affordable Health I will have to pay out of pocket .I would not be able to pay my gas and electricity or my car payments or Rent. At this time I ca n't even afford health insurance for myself but I do have it for my son from Affordable Health. My Fiance cant even afford Health Insurance as well. I am willing to pay at least {$25.00} a month to Pressler and Pressler till I can get back on my feet and get a better paying job to support my family. I need my payments lowered by this Collection Agency. I can pay {$25.00} or less a month that is all I can afford. I have to provide for my family on XXXX an hour
Consumer complaint received 2022-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Loan # XXXX Names on Account : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX NJ XXXX Complaint : Statement dated XX/XX/XXXX from Freedom Mortgage stating `` {$4500.00} escrow shortage on account ''. Trying to raise payments for escrow balance. 

We have already submitted tax bill, statements, reached out to our counties tax assessor, proved beyond a reasonable doubt that this is TO be removed. It has been extremely stressful and against HIPPA violations having to resend the documents over and over again. As you can see in the email documentation, this was confirmed in XX/XX/XXXX. We should not be experiencing this. Also note : Tax Bills for our county ARE a public record, which means this is viewable and an easy confirmation. HIPPA violations due to asking for more documentation that is unreasonable. 

Confirmed MULTIPLE times with County Tax assessor/mortgage company. 


XX/XX/XXXX : Confirmed Taxes would be removed from escrow. 
Confirmed by XXXX XXXX ( Customer Relations Specialist, Freedom Mortgage Company, XXXX ) Confirmed via phone call by XXXX XXXX ( XXXX )
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite numerous repeated attempts to correct over 20 different reported incorrect address information including asking verification from their third-party source, the credit reporting agencies are still continuing to report addresses for which I never lived or have not lived in over 20 years. As a result, I have been frequently denied access to my credit file and/or denied for credit because I have been unable to verify my identity " as it is being reported to them.