davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC State Bar. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from credit file.
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

The company is XXXX XXXX. I am under a payment plan with them. The money comes out of my bank account on a monthly basis. They are harassing me to make more payments. They have went from calling my cellular phone XXXX to calling my mother 's home number XXXX. When I told them them that the debt is under a payment plan they stated that they do not care that I need to pay more money towards the debt. This is pure harassment. I am tired of it. 
XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX I am very sure that they are going to call again. They do this every month once my payment is made. They are calling also on my mothers number which I do not know how they got her number. I never gave that number to them and I do not have it memorized. This has to stop.
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (TX)

I bought a XXXX XXXX from google store on XX/XX/2018 for a total of XXXX dollars. I bought the XXXX from my google account where I accidentally had old shipping address. After calling google several times I was able to return the phone to the warehouse directly through XXXX. A month had passed since the phone was returned and received ( I ordered on XX/XX/XXXX, phone got returned on XX/XX/XXXX, I had not received my refund. So, I opened a dispute with my credit card company. But I got an email from google pay to take back the dispute otherwise my account would be locked and they promised they would refund the money. 



So, I took back the dispute, and I got an email from google XXXX  on XX/XX/XXXX saying refund processed. However, I didn't receive money in my bank account. I followed up with a specialist and she confirmed me that money was released on XX/XX/XXXX and I should be getting it in my bank. She asked me to follow up with my bank. I followed up with my bank but they said they hadn't received the refund. I got the same response from google when I followed up on XX/XX/XXXX. 

So, I waited till XX/XX/XXXX, and I still hadn't received the refund. I called google XXXX and talked with an agent for about 45 minutes and he said he would email me with a refund ID so that I can show it to my bank. I waited till XX/XX/XXXX and since I didn't receive any information I sent an email asking for the refund ID, but I got an email saying there is dispute ( which I had already retracted ). 

I finally sent them my last 3 months of statement showing I haven't received any refund from them in my bank. My bank has repeatedly said they haven't received a refund and talk to the merchant. My google pay account also shows refund, but the money is not in my bank account yet. Please help, I have been stressed about this.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX and Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 Has also violated my rights. It is against Fair Credit Reporting Act 15 U.S.C 1681b Section 604 for an entity to view my credit report without a permissible purpose. The inquiry was performed under false pretenses 15 U.S.C 1681 States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-23
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: TD BANK US HOLDING COMPANY (MA)

I do not know why this account is reported here. There are too much missing information that makes this account point to nobody. I want this removed from my report asap. This is an easy task because when you look at my report you can see how this account is reported.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I filed two Dispute Claims with TD Bank on XXXX.On both disputes I fulfilled requests by the bank to restore my funds.After I fulfil their initial requests, there is not more that I should be required to do under the circumstances.They submitted a letter in writing requesting that I explain the circumstances of the request for a refund on both disputes and I did.They requested receipts and I submitted receipts.When it appeared that the merchants had no grounds to recover funds from my account, TD bank summarily amended the requirements for granting my Dispute Requests for a Refund, transmitting additional requirements from their Legal Department that are unheard of by customers in Good Standing, suggesting Legal Action.They did this even after I asked them if they are recognizing who has their name on a TD Bank account.I asked them if they were equating my entitlements as a Bank customer as being inferior to that of the merchant/vendor of a Bank customer.On XX/XX/2021 they mailed me a letter denying both of my dispute requests arbitrarily and without consideration for the actual circumstances or my standing as a TD Bank customer.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (MI)

I have many issues with the closed " XXXX XXXX XXXX Mastercard '' aka XXXX XXXX XXXX on all my credit Reports showing closed that reduced my credit score. 1..This card was a sears card and was transferred over to a shop your way mastercard from XX/XX/XXXX.when XXXX closed and went bankrupted. 2..I never asked for or applied for a shop your way card.When I called XXXX to ask to show proof or mail copies that i applied for this card, they said they cant provide that information to me. 3..After many disputes with CFPB, XXXX, equifax , XXXX , etc. , requsting to remove the tradeline on all credit reports, they sent a letter ( s ) dated XX/XX/XXXX citing " On XX/XX/XXXX, the XXXX Mastercard account ending in XXXX was converted to the Shop Your Way Mastercard account ending in XXXX. A Change in Terms notification was sent to you in XX/XX/XXXX, which communicated this transition. This was a business decision and there was no opt out option for our customers. Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit ''. 4..According to CFPB laws/rules and the FCRA act that protect consumers, I have the right to opt out of any change in terms.XXXX claims that was a buisness decision and there was no " opt out option ''. 5..XXXX claims they sent me the new terms but they didnt.They only produced the new terms when i disputed false information on my credit reports.When i called them to produce paperwork initially, again, they said they couldnt produce any information. 6..Because XXXX lying behavior.they claim they arent affliated with XX/XX/XXXX but indeed they are.Please see attached dispute responses from XXXX. 7..XXXX and XXXX credit card is/was XXXX and so is Shop Your Way mastercard. 8..On XXXX XXXX, i called citbank reference number XXXX, and XXXX cited '' We reviewed the call from XX/XX/XXXX, and confirmed that the agent provided incorrect information regarding the account closure. We have provided feedback to the agents manager. We regret any inconvenience this may have caused. Our goal is to serve our customers by providing superior service and products, and one of the best ways to achieve this goal is to receive feedback from our customers ''. 9..XXXX closed my account that i did not ask for 10..XXXX is lying This is reporting on all credit reports asXX/XX/XXXX Therefore, I did not request this credit card or ask for this credit card.I did not have the option of opting out per FCRA act.I did call and request information that XX/XX/XXXX would not produce. Im requesting that all information be thoroughly be investigated and not seen as a duplicate complaint
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

the US Justice Department won a {$95.00} settlement against XXXX XXXX parent company XXXX XXXX XXXX XXXX. 

The source of this lawsuit and lawsuit settlement was rooted in XXXX committing several counts of fraudulent behavior, specifically tied to the way that they advertised their XXXX XXXX XXXX. 

In fact, its basically a false advertising case, where the school made false promises or false claims, in order to lure students into taking out loans to attend their higher education programs on the belief that they were more valuable than they truly were. 

In the lawsuit, XXXX was accused of using deceptive, high-pressure recruiting tactics to generate more enrollments, and as as result of the settlement, each one of XXXX  schools was appointed an independent administrator to monitor recruiting and enrollment practices, ensuring that the illegal marketing activities would end.
Consumer complaint received 2020-05-30
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)

XX/XX/XXXX Transunion added a fraudulent account on my credit profile named XXXX/XXXX  XXXX. This is a fraudently account. The amount is claiming a balance of XXXX. I am not affiliated with this company. This is a direct violation. I currently have a security freeze due to identity theft and they allowed an account to report on my report which brought my score down tremendoisly and is damaging my creditbility. Please investigate into this further.
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX, I went to an ATM at a XXXX store and made a withdrawal of {$200.00} from my checking account. However, the machine ran out of money and only disbursed {$20.00}. I tried again and this time the machine said it could not disburse any funds. When I checked my account by phone I saw that I had been debited {$200.00}. I called my bank, USAA and filed a complaint. 

They said it would take 5-8 business days to refund my money. This is unacceptable. What if that had been my last {$200.00} until payday. 

When I called a second time on XX/XX/XXXX, I was told the error had still not been assigned to anyone and I would get a provisional refund on the day it was assigned. I was told there are a lot of these errors and they have a whole department dedicated to tracking them down.
Consumer complaint received 2020-05-30
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. (VA)

On XX/XX/2020 we were turned down by XXXX XXXX XXXX XXXX after trying to open an IRA account with them. One of the reasons we were turned down was " AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH ''. 

Equifax was designated as the source of this information. I pulled my Equifax credit report and found that it had identical " High Credit '' amounts listed month after month that were wildly inflated on two different revolving accounts. I contacted both creditors and asked about the information they had supplied to Equifax and the numbers they related to me had no correspondence with what Equifax reported. I opened a dispute with Equifax by phone ( their website is ALWAYS down ). 

On XX/XX/2020, I received an email from Equifax stating that my credit report dispute had been resolved. Again the website was down. I called the number on the screen and an automated voice said that " one of your five issues was changed. '' I eventually got through to a customer service person who was only capable of apologizing and offering to start a new dispute. As it turns out, nothing whatsoever had been corrected even though both my credit cards said that they had sent them fresh correct data. 

The fact that I had the same incorrect ( and physically impossible ) data reported from two unrelated creditors makes me certain that the error is in Equifaxe 's computer systems. Their customer service reps refuse to acknowledge any problem on Equifaxe 's part and blames the two separate, unrelated creditors for the exact same error on two different accounts. 

The fact that Equifax will not acknowledge a problem in their computer systems means that they have no intention of even trying to fix the problem. Their standard solution is : 1. Put in a dispute. 
2. Do nothing, but report the dispute as resolved. 
3. Tell the consumer to submit another dispute I am in the slow process of getting printed documentation to send to an address that the customer service rep told me was the executive office of Equifax, but I doubt if it will accomplish anything. In the meantime, I am unable to open an IRA, out of fear of rejection due to Equifax 's misreporting of my financial situation. 

Thank you. 
XXXX XXXX
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, 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 an account without my written instructions. 

P.s, To whom it may concern I was never once notified in writing by XXXX XXXX XXXX.
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I have been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. Attached are copies of police reports since XXXX and FTC affidavit. 

I pulled my credit file, I have National Credit Adjusters, immediately I contacted National Credit Adjusters to report fraud. I was advise by representative, to write in about complaint. I wrote in 4 times to this company only to receive a bill. Every time I call back they say write in they send me a bill. Each time the bill is about 600 $ different then the one before. 

After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but a friend of mines said you can not keep paying for debts that doesnt belong to you and the company may not be real.

National Credit Adjuster refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company since XXXX. Sending requested information with no validation. Of debt or how it was open. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. Requesting police involvement. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report and now sue company.
Consumer complaint received 2021-09-20
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I have been with American Express since 2016. Today I tried to transfer XXXX of my Membership Rewards points to a partner airline to book a flight and I received an error " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' After calling in and being transferred to several departments I was informed that my account is being reviewed and my points will not be available to be redeemed for 8-12 weeks. I have earned these points over years by loyally using my American Express card and now I am being blocked from redeeming them when I need to book a flight. Blocking a user for no reason from accessing his points for 2-3 months is unheard of. I was never notified that my points are frozen and now I am stuck needing to book a flight and not having access to my points.
Consumer complaint received 2017-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I recently transferred my federal direct student loans to fed loans from XXXX XXXX. I submitted the paper work in mid XXXX XXXX and it was received by Fed loans prior to the end of XXXX. It is currently mid-late XXXX XXXX and Fed Loans is STILL unable to tell me how many successful payments I have made towards PSLF. When I asked them how long until they would be able to calculate the amount of payments I have made towards loan forgiveness ( presumably a process of SIMPLE COUNTING TO TWENTY-SOMETHING ), they informed me today that it will take another 3 months. 

I need this information in order to maybe irreversible and significant decisions very soon. It is absurd that it has taken them 2 months already and may take an additional 3 months to take a basic tally of my payment history.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (NC)

I have not charged anything on this card since XXXX of 2020, yet this balance never goes down nor will they allow me to use the card ever to get gas. 

This company adds late fees even when you make payments. I have tried calling and calling First Progress only to be put on hold and left there for hours at a time listening to prompts roll over and over. I was told there was a once time removal fee of {$40.00} and now when I call they do not answer.
Consumer complaint received 2020-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I am a senior, trying to pay ff my mortgage. When I called Mr Cooper for the payoff number earlier this month, they wanted to charge me {$25.00} to tell me the number. Instead, I paid off the outstanding loan amount. Yesterday, I received a letter with the pay off amount {$100.00} if I paid it THAT DAY. I got onto my computer and transferred the amount plus 2 days additional interest to the lender. 
After reading the paperwork sent with the statement, I saw the payoff amount must be via a wire transfer or a certified check. This is a huge problem for me right now. Pennsylvania is still a red state. It is difficult to do a wire transfer or certify a check with limited bank hours and since I've been quarantined for the past 11 weeks, I'm not comfortable going into the bank. Then, the several days it will take for the mail to deliver to the lender, or the additional money it would cost to XXXX  the check plus the cost of a wire or certified check all add to my financial burden. Why is this a stipulation when the mortgage company will already have my pay off amount on Monday and I certainly would not be ale to take it back? This arbitrary rule would annoy me under normal circumstances but as an immuno-compromised older citizen, I find it to be heavy handed and mean under these Covid 19 circumstances. I might also add I have never been late with a payment and have never given this company any trouble in the past. I simply need them to work with me here.