davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (FL)

XXXX Medical bill that probably has over 10 years for the amount of {$190.00} Something that was already debate. XXXX keep posting this in my record having my credit score between XXXX to XXXX point lees that the other credit company. XXXX may be want to make money having me contact them an pay for services. I really appreciate your help on this matter.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (TX)

My credit card issued by Barclays was closed without notice. I received a notice saying the account was closed for 'unusual account activity ' and that my credit was not use in the decision. I would like my XXXX $ annual fee refunded, and the XXXX $ in unclaimed rewards credited to my account. The bank would not provide further explanation as to why my account was closed, and they refused to credit my account for the unused points or already paid annual fee. I find this behavior akin to a bait-and-switch. I used this credit card under the pretense of earning rewards, until the bank decides to unilaterally close the account and deem my earned rewards void.
Consumer complaint received 2023-03-19
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this dispute about transunion credit reporting agency. I have been disputing a few things on my credit report and they just keep updating the information I am disputing. This is completely incorrect. My first complaint is a XXXX account that is reporting with a XXXX balance but showing charged off to a bad debt. This is wrong. The balance is XXXX however the remarks " charged off to a bad debt is wrong ''. I contacted transunion quiet a few times to dispute this and the rep told me that the furnisher did not respond within the 30-45 days they had. I explained by the fcra laws then it is to be deleted. I was assured it would be deleted. However it 's still reporting and was never deleted. My second complaint is XXXX acct # XXXX is listing XXXX seperate loans. I NEVER had a loan with them in the amount of {$860.00}. This amount has been combined with my XXXX loan I had with them. I contacted the better business berauou in regards to this and received a response that the bank did not respond back to them. I tried to contact transunion again today XXXX/XXXX/2017 and again was given the run around. I ca n't seem to have this wrong information corrected. There are also negative remarks that are reporting on my transunion credit report which again I was told they would be removed. Still not removed. Having this incorrect wrong information reporting on my credit report is affecting me in obtaining credit. I wish to submit this complaint about transunion credit reporting company as they are causing me a hardship in obtaining credit. Plus I never received an updated credit report as I was promised last month.
Consumer complaint received 2022-09-03
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete for Violation
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has been in direct violation of the Credit Card Accountability Act of 2009 by constantly applying payments in excess of the minimum required payment to balances with lower APR. 
After multiple calls, BOA associates have acknowledged the issue and promised to fix it, but nothing was ever done. Furthermore, I 'm fairly certain that the same incorrect interest charges are applied to XXXX other customers. 
This issue has been going on for more than a year with my account specifically, and I simply have no choice but to file this complaint.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

i do not recognized these inquiries, i have reported this to the bureaus but they refused to remove them. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX bank XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-19
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: WELLS FARGO & COMPANY (MA)

XX/XX/XXXX  I callled into Wells Fargo after paying my credit card in full to request a credit increase. My card was locked and they unlocked my credit card when I called and did not relock it. XX/XX/XXXX  several XXXX transactions and something called XXXX charged my account almost {$1000.00}. Wells Fargo didnt seem to care when I called they didnt even update my password when I requested account access be restricted. It turned out my card was hacked back in XXXX and I was charged a late fee because I had no idea I had a balance. I paid the {$25.00} late fee but knowing this was fraud and they decreased my limit on credit card.
Consumer complaint received 2024-05-03
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (MO)

This complaint involves a {$500.00} Vanilla gift card that I received from my coworkers for XXXX XXXX treatment. I had a bills to pay on XX/XX/year> and attempted to use and apply the gift card toward the bill and card was declined. I I contacted the number on the back of the card on XX/XX/year> and spoke to a representative who opened a case and told me to email a copy of card front and back, send proof of residence and receipt. I told him I no longer have the receipt. I sent on a copy of the XXXX card, proof of residence and filed a lost/stolen report. I still have not heard back as Ive sent in several emails, faxes, calls and mailed a letter. I was under the impression that they would send me a money order or check for the amount of the card within 90 days. The case # XXXX with Vanilla visa contact Imcomm Resolution is Email to XXXX Fax to XXXX Mail to : XXXX, XXXX. 
Attn : Resolution Department XXXX XXXX XXXX XXXX, GA XXXX Case Resolution XXXX XXXX XXXX XXXX, GA XXXX Fax : XXXX Email : XXXX Please help me get a resolution with this business. This is very frustrating just trying to receive the money that was given to me to spend on my XXXX treatment. Please help expedite this if you can
Consumer complaint received 2023-03-19
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: BARCLAYS BANK DELAWARE (IL)

I have had a credit card with XXXX for several years. I charge several XXXX dollars monthly and pay on time and in full for each billing statement. I am rewarded points and use them at their stores. On XX/XX/XXXX, {$200.00} worth of points were redeemed, NOT by me. When I called XXXX, they told me to call the credit card company, XXXX, who told me to call XXXX. XXXX told me that my account, which I have been using for several years, did not exist and was not in their system. The email address XXXX was used on the store website. The email XXXX was used on the credit card site. I spent approximately XXXX hours on the phone with XXXX to get my points back. Person after person says the same thing, they don't see my account and, therefore, can not retrieve my points. I have been hung up on twice, laughed at, and ignored. XXXX has lost my points, or they have been stolen. I want them back, and I want to make sure any future points that XXXX reward me go to my account. I would also like an apology and compensation from XXXX for how poorly I have been treated. My time is valuable to me ; they have wasted several hours with their error.
Consumer complaint received 2024-04-15
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. (TX)

TRANSUNION never provided me with the SIGNED DOCUMENTS THAT WERE PROVIDED FROM XXXX XXXX TRANSUNION also sent me an ILLEGAL letter stating THEY DID NOT HAVE TO PROVIDE ME WITH THE SIGNED DOCUMENTS FROM EACH FURNISHER NOR ANY FURNISHER transunion also stated that the furnishers verified each account AND EACH HARD INQUIRIY THIS IS ILLEGAL AND A BIG VIOLATION OF THE F.C.R.A
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed a 30 day late pay on XXXX XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
Consumer complaint received 2016-04-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Suttell, Hammer & White, P.S (WA)

I quit paying XXXX XXXX because I have. XXXX & lost my job. This is an very old debt and this cdebt collector will not say who they are & want they want without making me answer questions that they say is being recorded. It 's White Hammel & Something out of XXXX. For years they have called me & threatened to sue me. They said my debt will never reach a time when is it expires. How long can this go on.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/XXXX Navy Federal Credit Union charged my checking account for XXXX for a credit card that is owed on. I understand the card is delinquent but I have been paying on the card since XX/XX/XXXX and the limit never got any lower. I was locked out of my checking account for a week, and then when my deposit went in, I went to work on XX/XX/XXXX at XXXX XXXX cst and got off at XXXX cat. I called Navy Federal around XXXX cst and I was transferred 5 different times and no one could give me an answer, they actually told me I talked to someone earlier that day, which I did not. They left me with XXXX dollars, I told them they could keep XXXX dollars of the XXXX that was taken but I needed the rest back as if I have a family of three and am doing my best but how can I make it on XXXX bucks for three weeks. I know that Navy Federal was sued for the same thing they are doing to me back in XX/XX/XXXX. Now I am not sure what else to do here but this. Thank you!
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX : I opened an account with XXXX XXXX and ordered XXXX products with them. After having numerous issues with these XXXX products, I took my devices to XXXX, who confirmed that XXXX was not in fact using XXXX components and misrepresenting that they were actual new apple devices. I contacted XXXX, informed them that they have breached any trust or contract with my by falsifying that they were providing me with XXXX products, when in fact they were " reconditioned '' devices with XXXX components. 
I ended my contract that was to be a clean break, no early exit contract fees, etc. with them and switched my service to another carrier. I do n't owe this money, my account keeps getting sold over and over again to new companies trying to collect on this debt.
Consumer complaint received 2022-02-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX CRA : NAVY FEDERAL CREDIT UNION ( Application Number XXXX ) CRA ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XX/XX/2022 ) Recently, I, XXXX XXXX XXXX, was denied an extension of credit by NAVY FEDERAL CREDIT UNION On XX/XX/2022 I applied for NAVY FEDERAL CREDIT CARD limit {$16000.00} As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a XXXX XXXX  through XXXX  on XXXX XXXX XXXX and a XXXX XXXX  case I canceled the order within a few days after ordering and was not told by XXXX XXXX who was the financing company ( 2 years no interest ) that they added a XXXX credit to the account for going through them for financing. Even though I never received the phone and canceled the order they kept billing me for this XXXX credit. I was unaware of this as my XXXX account showed a XXXX balance. Finally, after many calls to a XXXX XXXX customer service rep I was informed that this credit was simply a matter of me telling them to release credit back to them? Due to this unorthodox scheme between XXXX and XXXX XXXX and the fact that they reported this as a missed payment my credit rating dropped by over 65 points. This scam by XXXX XXXX needs to be stopped and any credit that they give the customer on a cancelled order should automatically by removed from the account Please help I have worked very hard to keep my credit rating up in the excellent score range Sincerely XXXX XXXX
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I had fraud on my bank account in XXXX of XXXX and my account was blocked and payments did not clear. I asked Oportun for some sort of arrangement. 
they said we have a hardship/deferment program. I was on this program for 3 monthsXXXX until XX/XX/XXXX. I was then told that I owe over {$650.00} and had to pay back the entire 3 months worth. There were no terms given regarding this program. I have also had several emails offering payment reduction, postponed payment and hardship program and when I call, I am told that I do not qualify for any. while I was in the program, I received constant collection calls from Oportun. 

I have several times for a copy of the original loan/terms copy of the hardship/deferment  terms and a complete account history/ledger of when payment are made, what portion is towards principal etc. 
I have not received anything and can not access it online either. 
Lastly, the interest rate is higher than 36 %. 

Oportun has not disclosed pertinent information about my loan and placed me on a program with not terms and they refuse to send me any information list above and lastly have mis advertised.
Consumer complaint received 2021-11-29
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. (FL)

A debt has been reported to credit bureau Experian as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for Experian to remove this from my credit report since its impacting me badly. 

Also, I need to make XXXX and XXXX aware because I believe this will be reported as well at some point.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian I did not agree, nor do I know of all of these inquires on my credit report I believe these inquiries are fraudulent.
Consumer complaint received 2019-02-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

portfolio recovery XXXX is calling me trying to find someone else and wants me to relay messages. They call me everyday. Its not my issue or my problem they are harassing me over someone else old debt. When they call they ask if so n so is there when I say no they hang up. Today I called them back and told them no one lives here by that name stop calling me. But every single day they call same thing over and over again. I tried blocking their number then they use a different number to call me.. Its like non stop ... 
XX/XX/2019 XXXX I dont have all the numbers they call on. but its everyday
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Summit Financial Corp. (GA)

In XXXX XXXX, XXXX of Summit Financial Corporation called my place of employment because my payment was about XXXX week late. I asked her not to contact me at my place of employment because I am not allowed debt or credit collection calls at my place of employment. On XXXX XXXX, XXXX, XXXX called my place of employment because they had not received my payment that was due on the XXXX and left a message in my work 's voicemail. I returned her call on XXXX XXXX and spoke with her. I told her that payment was mailed on XXXX XXXX, and I asked her not to call my place of employment because I am not allowed debt or credit collection calls at my place of employment. XXXX became irate with me. I mailed a letter, via certified mail, to the company stating that I have asked them numerous times not to call my place of employment and that I would like them to stop calling because I am not allowed debt or credit collection calls to my place of employment. I also informed them them of XXXX rude behavior. The letter was delivered and signed for on XXXX XXXX, XXXX.