davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (LA)

On XX/XX/22, I noticed my credit score dropped significantly. I signed into my credit report and noticed a derogatory account had been reported. I am unaware of any outstanding debts that I owe and the report had very little information other than an amount owed ( around {$350.00} ) and a XXXX # so I called the XXXX number listed on the account, it directed me to a company called National Recovery Agency. XXXX. There was an automative service designed to collect the payment owed but I asked to speak to an agent. The first agent hung up on me after I said I have no idea what this debt is and no record or mail pertaining to this debt and having that information is what the proper and lawful procedure is for collecting debt. I called back and the second agent would not give me any information, said something about a lawyer and hung up on me. Both agents were extremely rude and unprofessional. I still have no idea what this debt is and they refuse to tell me all while demanding I pay it and hurting my credit score. I have reason to believe this company is not operating in good faith and is possibly operating illegally. I am not just concerned for myself but for others. I read the many complaints on the XXXX and its all very similar w/o any resolution. I reported this to XXXX, and have filed a complaint with the XXXX I have no way to reslove this with the company b/c the company refuses to even tell me what this debt is. And yes they did harass me with phone calls and texts prior but I didnt answer the voicemails or texts assuming it was an obvious scam since I am completely unaware of any outstanding debt owed nor has any record of it been mailed to me so I figured it was an attempt to collect information from me. I would block the # and they would call from different phone # which lead me to believe they are definitely scammers. 
Please investigate National Recovery Agency.
Consumer complaint received 2020-07-20
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 Originally filed all the proper fraud documents with the bureaus on XX/XX/2020, and nothing has been done per the regulations set forth by the FCRA. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2016-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My mortgage just got sold to another servicing company as of XXXX/XXXX/2016, the first letter I received stated this fact and said for the transfer should be complete in sixty days, that during this time no service fees or late charges would be assessed. I had to reset my ACH with my bank and the new ACH would start on XXXX/XXXX/16, after that date I would make XX/XX/XXXX payment directly. What a nightmare, I have received twelve letters and six phone calls as of today XXXX/XXXX/16. The latest being my payment would go up from {$400.00} per month to {$450.00} due to them being able to keep a two month reserve in the escrow account. 
I am retired, was on XXXX, now on social security with a fixed income and coming up with this added payment will be dificult. By my understanding I have until XXXX/XXXX/16 to have my ACH set up and the XXXX payment made without all this harrassment with letters and phone calls.
Consumer complaint received 2021-03-02
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: EQUIFAX, INC. (AL)

In XXXX and XX/XX/XXXX, I filed a dispute with this credit reporting bureau about the unverified account XX/XX/XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. Thank you
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In my credit report item ( s ) have been reported illegally according to 15 USC 1681. The information on the credit reported by trans union, XXXX and XXXX was reported without my permission.
Consumer complaint received 2020-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Due to COVID 19, we took forbearance for 3 months and attempted to get on a deferred repayment plan. The company ( New Rez/ Shellpoint mortgage company ) has yet to be forthcoming on in communication if whether the repayment option selected was accepted or not. Constantly rerouted to voicemails and subject to robocalls and letters saying about how much is owed but no human interaction to help me the consumer know whether I'm approved or not. Furthermore I'm getting the feeling that time is being wasted for me to be in the potential of defaulting on my mortgage as it is almost 30 days and no feedback. 

Secondly, they have yet to disclose to me options available for the second property in terms of repayment plan options. I'm still unaware of what options are available to use for repayment and I'm just getting the runaround. I have never received one call as promised by the company during this whole forbearance and COVID period it has been very disappointing and eye-opening. I honestly feel like someone is purposefully trying to get me to default and frame it as I was unwilling or not trying to pay. Lastly, their website to expedite things and fill out additional forms to get faster service has not worked very poor.
Consumer complaint received 2020-07-20
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I called XXXX and XXXX XXXX Comenity Bank ) to pay off the promotional balances that were going to be due very soon for the amount of {$3800.00}. They include : Promotional Amount Balance XXXX XXXX {$390.00} XXXX XXXX {$290.00} XXXX XXXX {$180.00} XXXX XXXX {$29.00} XXXX XXXX {$1400.00} XXXX XXXX {$610.00} XXXX XXXX {$290.00} XXXX XXXX {$550.00} XXXX {$3800.00} I spoke with a customer service representative who assisted me with the payment and who assured me that there would be no issues. The reason I called a service representative instead of making a payment online was because I had requested a forbearance in XX/XX/XXXX because I was laid off due to COVID-19. Therefore, I had no payment due in XX/XX/XXXX and wanted to make sure the {$3800.00} payment would be applied to the promotional balances that were expiring soon ; especially since I am aware that with multiple promotional balances, Comenity Bank applies payments in a certain order. 

The only reason that I was able to pay that money was because I received my family 's stimulus check and made a smart decision to pay off these promotional balances since I was not sure when I would find work again. I have called numerous times to fix this issue but it is never resolved. I am told that the money was applied to a promotional balance that expires in XX/XX/XXXX XXXX XXXX ). It makes no sense for me to send that much money to pay off a balance that is due more than 3 years from now when I have promotional balances expiring in a month. 

If my payment was not going to be applied for what I requested, I should have been informed during the call. I was told my requested payment would be applied to the mentioned promotional balances and that did not happen. Please help. 

I included XXXX files. 

The file titled Confirmation Payment Letter is proof that I made the payment over the phone and spoke with a customer service representative who assured me my payment would be applied to what I had requested The file titled Promotional Balances Payment Originally Requested shows in detail the promotional balances that were discussed to be paid The file titled XX/XX/XXXX statement is for ease of reference and has the promotional balances mentioned on pages 4 and 5.
Consumer complaint received 2020-07-20
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (CA)

I made a complaint about a credit card and us bank responded about the wrong credit card. Not only that. They send police to my home and almost to my work and I could have been fired. Because they dont communicate or pay attention. My card ending in XXXX is the issue. The response to my initial complaint is trash. And it shows incompetence on US bank because they cant even get the right credit card account that im complaining about. 
Us bank sent officers to places I live over a conversation I had about my hardship with my XXXX credit card. This company is causing more mental distress because they dont listen. Im taking this to court. Ive had it.
Consumer complaint received 2021-03-02
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. (CO)

After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by XXXX and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX XXXX XXXX. 

There was one charge-off for each, and subsequently, I came to a payment agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently discovered that TransUnion LLC is reporting inaccurate information on my credit report. Specifically, they have listed an incorrect {$670.00} balance for XXXX XXXX XXXX After submitting a request for validation, I asked TransUnion to verify this balance. Additionally, I requested validation for 90 days of late payments from XXXX XXXX XXXX To support my claim, I provided TransUnion with my last 90 days of payment and credit card statements, which clearly show no late payments or outstanding balances. It is clear that the information being reported by TransUnion is incorrect and needs to be corrected.
Consumer complaint received 2021-03-02
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. (CO)

After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by XXXX and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX XXXX XXXX. There was one charge-off for each, and subsequently, I came to a paym ent agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.
Consumer complaint received 2020-07-20
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: National Credit Systems,Inc. (FL)

I moved from XXXX XXXX. due to health issues caused by their complex. I was told I would be let out of lease with documentation from my doctor. I provided it. Now they have placed an account on my credit report.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

A dentist charged us for XXXX weeks prior to the operation by completing a CareCredit application. The office manager explained that we qualified for a promotion however when we received the bill from Care Credit there was no indication that we qualified for any promotion and they had already charged us % XXXX interest on the {$4000.00} charge. Additionally, I have found that we were charged, not only ahead of time, but for procedures that were not necessary and that were never performed. The dentist refuses to accept correspondence on this issue.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

On XX/XX/2021, I opened a new Citi XXXX Checking account over the phone with Citibank phone banker ( his name is XXXX ). When this account was opened, a promotional offer was applied and the offer code is XXXX. Based on this offer, if I deposit {$50000.00} new money into my Citi XXXX checking account within 30 days and also maintain this balance for 60 days, I will receive {$700.00} bonus in my Citi checking account. 

On XX/XX/2021, I already deposited {$50000.00} new money into my Citi XXXX checking account. This {$50000.00} balance has been maintained in my Citi checking account since then for more than even 90 days. However, so far I still have NOT received the {$700.00} bonus yet. 

I reported this issue to Citi XXXX XXXX XXXX. However, their representative assigned to my case made an unacceptable mistake. The offer terms & conditions say that the eligible customer must not have been an owner or signer of a Citibank consumer checking account within the last 180 calendar days. My only pre-existing account with Citibank is a Citibank XXXX XXXX account, which is NOT a checking account at all. However, Citi representative made such intolerable mistake by viewing my pre-existing Savings account as a pre-existing Checking account in order to remove my offer eligibility. 

This mistake is unethical and totally unacceptable. I request Citibank to immediately correct their own error and mistake regarding my offer eligibility and immediately post the {$700.00} qualified bonus to my Citi XXXX Checking account right away without any further delay.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX I need a PIN for all my credit reports asap.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one credit card wants me to pay charges that I didn't do. I tried to tell them, and they closed the card and left me with a bill and it's on my credit report that I owes them and I was going through fraud
Consumer complaint received 2018-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I want XXXX to access my Capitol One 360 Savings account to facilitate transfers. It has in the past, but suddenly stopped working. on XX/XX/2018 per XXXX and Capitol One 's websites, Capitol One is blocking me from enabling external applications.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Over the past month, I've had XXXX previous purchases re-applied to my account and then immediately reversed ( see attachment for examples ). While these duplicate transactions appear to net to {$0.00} and aren't affecting the amount owed, XXXX can not provide a satisfactory answer as to why this is happening. It's very difficult to determine whether my current balance is correct when I have so many unnecessary transactions appearing on my statement. 

Additionally, not all of the credits back to my account are reversing my airline mile rewards. This will result in too many miles posting to my airline account ; when these are eventually clawed-back, this will impact my ability to earn loyalty points that I'm rightfully owed from all purchases made. For example, the website is currently showing that I will earn 15,590 miles in my next statement when I should only earn 80 miles. When Barclay discovers this error, they will prevent all rewards ( miles + loyalty points ) from being sent to the airline until I make up the negative balance. 

I've called Barclay XXXX XXXX since XXXX and have asked for a call-back from a supervisor, which has never happened.
Consumer complaint received 2022-09-13
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-06-01
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. (CA)

Experian fraud investigation fails to properly identify and fix an error in reporting a Collection. I clearly stated that I have never lived in the City, State where the transaction allegedly took place, but Experian fails to correct the error in my credit report.
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received the letter I have submitted today from a company called XXXX. It says the original creditor is Beneficial ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (NJ)

I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.