davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

I am a victim of the CZU fire in XXXX California, which was deemed a state of emergency by XXXX XXXX XXXX. 

I was displaced from my home since XX/XX/XXXX. My home did not burn but I was was without electricity and water for several weeks and my house had severe smoke damage and my house was not habitable. My animals and I have been traumatized by the fire. I also suffer from XXXX and this situation is making my mental health situation worse. 

US Bank granted me a 6 month forebearance and I was to begin making payments on XX/XX/XXXX. During the 6 month time frame I called US Bank to ensure that everything okay with my loan and to ensure that my excellent credit would not be adversely effected. I had not heard from US Bank during the forebearance. I was finally contacted by my relationship manager, who told me that US Bank would defer my missed loan payments ( due to the approved foreberance ) to the maturity date of my mortgage, meaning add the those missed payments to the end of my loan. 

I was shocked when I received a credit notification from XXXX XXXX that my credit score had dropped by XXXX points. 

Here are the facts : - On XX/XX/XXXX my XXXX  credit score was XXXX - On XX/XX/XXXX my XXXX  credit score fell XXXX points and is being reported as XXXX - on XX/XX/XXXX, I called US Bank and explained the situation. Everyone that I spoke with told me that this should have never been reported as being late. They were just as shocked as I was ... 
- I have continued to call to try to get this resolved and even spoke to a supervisor who was very unsympathetic and told me that yes indeed this should hav not been reported to the credit bureau 's but that there was nothing that he could do to fix it ... I have tried numerous times to try to get this resolved and am not getting anywhere. 

I have decided to sell my house and and am trying to rent or re-purchase a new house and because of my XXXX XXXX I am going to have a hard time purchasing a new home or even being approved to rent a home. 

I ask that you please help to restore my credit back to the way it was before XX/XX/XXXX. Please let me know if you have questions or need more information from me. 

Thanks in advance for your help.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

An accordance with the fair Credit Reporting Act XXXX Accounts # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX Card Acct # XXXX, has violated rights. 

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 account without my written instructions.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

I received a letter from Citibank stating that I was not eligible for the promotional XXXX XXXX miles ( XXXX ) that was promised to me. They said that the reason was that I did not make a {$400.00} debit card purchase within the 60-day time frame. 

However, I did make the {$400.00} debit card purchase within the 60-day time frame. I made the purchase with my Citibank debit card on XX/XX/2019. Looking at THEIR records of the transaction ( screenshot enclosed ) it even says that the purchase was on XX/XX/2019. This is within the 60-day time frame from when I opened the account. 

I would like the XXXX miles credited to my XXXX XXXX advantage account. 

Citibank continues to XXXX $ XXXX fee for this checking account. Every time that I call the answer is always " wait 4 weeks for an answer. '' In that time frame, I do not get a satisfactory answer, and then they collect another fee.
Consumer complaint received 2019-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

From XX/XX/XXXX to XX/XX/XXXX the Loan Servicer has not applied monthly over payments directly to principal. I notified the Loan Servicer multiple times. On one occasion, the Loan Servicer stated it would make the adjustment going forward. However, the Loan Servicer never did.
Consumer complaint received 2020-09-06
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: CL Holdings LLC (GA)

On XX/XX/2019 Jefferson Capital Systems notified me of a debt of {$990.00} and XXXX XXXX XXXX notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus. 

I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with Jefferson Capital Systems and  XXXX XXXX XXXX. No Such validations have been performed. 

These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I sent a letter to all 3 credit bureaus on XX/XX/XXXX demanding a reinvestigation I also attached my government ID, my son, and a bill with my address so they can identify me as well. these 3 credit bureaus are reporting in acute information on my report that should be removed immediately. 

I have filed a lawsuit against all 3 credit bureaus for negligence enablement of identity fraud and for violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-06-04
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. (AZ)

Account legally paid in full for less than the full balance and is still be reported as a recent Charge off ( CO ) in error. Charge offs are being reported in XXXX, last activity goes back to XXXX, 5+ years old. This account is hurting my ability to purchase a house.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent a letter to all 3 credit bureaus on XX/XX/XXXX demanding a reinvestigation I also attached my government ID, my son, and a bill with my address so they can identify me as well. these 3 credit bureaus are reporting in acute information on my report that should be removed immediately. 

I have filed a lawsuit against all 3 credit bureaus for negligence enablement of identity fraud and for violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (OR)

I purchased a jewelry at Zales XXXX XXXX, 2018. I signed up for a promotional plan for 12 months interest free if paid for within 12 months. I always pay on time before the statement date of XXXX of every month. Next thing I know I was being charged with the finance charge for the whole year plus the monthly due. When I spoke to Comenity bank I was told that the promotional plan ended on XXXX XXXX Therefore, my payment in XXXX was not counted for the promotional plan because it was paid by the statement which is XX/XX/XXXX after the promotional plan ended. First of all, theyre statement due date does not agree with their promotional period due date. Second, they do not offer a grace period, last but the least they would NOT work with me on the 6 days that my payment was posted. Now, I have to pay the interest on entire purchase including the interest for what I already paid over the year.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (IL)

This collection agency is reporting a debt on my credit report, but they are no longer handling the account. Since they are no longer, handling the account, and it has been referred back to the original company. I asked them to delete this information from my credit file. They don't have any more information on me, it has been transferred back to the company that hired them to collect the debt. If they are not handling this account, they should not be reporting information in my file.
Consumer complaint received 2020-10-23
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. (CA)

Transunion has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms
Consumer complaint received 2019-08-17
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 — Was not notified of investigation status or results
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do XXXX XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that
Consumer complaint received 2019-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filled a complaint with credit reporting for my hard inquiries. customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (CA)

This company AllianceONE is non stop calling me and others they found numbers to that are related to me and they were sending the debt " owed '' to a address that does not exists. Once I contacted them I gave them the CALIFORNIA address and they conned my mother into paying. ( I DO NOT RESIDE IN CALIFORNIA ) All while I had the ticket and all documents submitted to the court house showing my hardship and my health condition. Once again they started harassing me saying I " owe '' more debt. The employees are rude and tell me I HAVE NO OPTIONS literally saying TOO BAD I HAVE NO CHOICE BUT TO PAY. I already suffer from XXXX and XXXX  and these company is SERIOUSLY THREATENING my health even more. I not only reside in a different state, but them threatening to take my license, send me to collection, BASICALLY telling me they dont care and my HEALTH doctors appointments and COVID are beyond cruel and inhuman. This is abuse.
Consumer complaint received 2019-08-17
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: Experian Information Solutions Inc. (FL)

Experian is violating FCRA. I have tried several times to resolve this issue to no avail. Yesterday again I spoke with a rep who said a supervisor would come on the line to speak with me and I waited over an hour on hold and no one picked up. This after other times being told a supervisor would call me back and they never did. They claim they verified a public record ( bankruptcy ) ( which should not be on my report ) with the " creditor '' I explained to the rep this was not a creditor, but a court. She corrected herself and said, " oh yes the court '' Clearly, did not know what she was even talking about. They are just spewing lies to consumers. They could not have verified ANYTHING because the US Bankruptcy court does not give ANY information to third parties by phone or mail. At this time my XXXX XXXX reports are ALL FROZEN and locked. So how did they verify this? 
The clearly DID NOT. They are lying and committing a violation of FCRA. This company handles requests like this very poorly and should be sanctioned for this behavior. Lying to consumers and stating they verified information they could not verify. Further, on my previous attempt to resolve this via certified mail I sent a copy of the letter from the court stating they DO NOT give out information and also a copy of the XXXX XXXX freeze letter. This is nonsense.
Consumer complaint received 2021-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (CA)

I XXXX XXXX entered into a consumer credit transaction back in XX/XX/XXXX with Santander Consumer. A consumer credit transaction is a transaction where a finance charge is involved. Pursuant to 15 usc 1605 the finance charge is the sum of ALL charges in any consumer credit transaction. Since the finance charge is the sum of all charges I should not be receiving any 'bills ' from Santander USA but I have been receiving bills from Santander Consumer USA since XX/XX/XXXX which is a violation of 15 usc 1692b. I now understand that pursuant 15 usc 1692a ( 3 ) I AM the Consumer. Santander Consumer USA has been fraudulently taking payments from me and I need your help in this situation. I have already sent them ALL forms and proof of the deception they have pulled on me and they are in receipt as of XX/XX/XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

This complaint is regarding consumer reporting agencies.

The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
Equifax, XXXX, XXXX  are the agencies in question.

I am submitting this complaint as the consumer, a natural person.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I have a dispute with my XXXX XXXX  XXXX. 
On XX/XX/2020 I made a purchase of {$18000.00} from XXXX. 
The package was supposed to be shipped via XXXX or XXXX  with signature required. 
Unfortunately the package was never delivered to me. 

Despite all the proofs I provided to my credit card company they did nothing to help me. They keep reopening and denying without provided any proofs that the package and signed by me. They didn't even request anything from me to support my claim, they keep opening and closing it without any proofs and they didnt even call or contact me. 
I had to call and chase them myself and inform that I had all the proofs to support my claim and I faxed them everything and requested them to confirm receipt of my documents in written form which they never did. 

I didnt not sign for my package and I have never received my goods. The package was never properly delivered to me. I have filed a police report that my package was lost or stolen. I have proofs from USPS that the package was signed BY WRONG PERSON and WAS supposed to help in USPS pickup office. 

The truth is it is already 6 month my bank is doing nothing to help me. They never called me, never provided any explanation or proofs that my package was delivered to me. I even contacted XXXX and they informed me that the dispute should be resolved in my favor. Synhrony bank has done nothing to help me.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: YSA ARM LLC DBA Oxygen XL (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (IL)

This is regarding a debt that Convergent Outsourcing Inc. in XXXX Washington XXXX sent to my XXXX year old mother she says she don't know what it is they say maybe debt fromXX/XX/XXXX XXXX?? not clear. acct # XXXX. in amount of XXXX. They sent this to her on XX/XX/XXXX and after seeing this scompany on many scam reports we have donr nothing but contact you and XXXX because there is nothing about this on her credit report. And we also placed a fraud alert on her credit report.
Consumer complaint received 2019-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I was sent money through PayPal with different people on XXXX XX/XX/2019 of about {$230.00} and on XXXX XX/XX/2019 I was sent {$13.00} totalling to {$240.00} and PayPal denied me access to withdraw the money from my account. At first I withdrew the money and they denied me access to my account for 5 days and after the 5days they blocked my account for 180 days which is not fair at all.
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

This is in response from complaint XXXX. The license was not my only complaint from this company. 

For complaint XXXX, I stated that I never received validation for the amounts they say I owe. In this complaint, CMRE stated I never requested validation, but I did so in writing several times. All I received was a bill showing charges they say I owe, but that is not validation. Validation is receiving a document that bears my signature that attests that I signed off or am responsible for those bills, anyone can send a bill. CMRE claims they received this bill from XXXX XXXX XXXX XXXX, but still has yet to produce validation with my signature. According to the Fair Credit Reporting Act, I am entitled to validation ... if not, the party must delete all collections and negative marks ( there are 3 ) from all reporting agencies. Is there a reason that I have yet to receive validation? Not an itemized printout showing charges ... that is not validation. If you do not provide validation, legally you must delete these collections or I will get my attorneys involved as that is fraud.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

Hello I contacted my bank and let them know I lost my bank card this is very unbelievable I never in my life experience this. And my debit card was use for {$3900.00} dollars of my hard working money. I really need my money and is under XXXX due to this happening I pray to XXXX find the thieves I have a XXXX XXXX XXXX daughter this is very terrifying.