davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (AR)

The debt is and has always been my former spouses debt. It originated in XX/XX/XXXX, even by proof of the info that was sent to me by the debt collection agency. My former spouse even made a payment to the originating debtor in XX/XX/XXXX. My name is no where on the debt and is not connected to it at all. The insurance that was used was connected to my former spouses military benefits not mine. I have provided all of my spouses information to include his XXXX which shows his date of discharge from the military, XX/XX/XXXX as well as a copy of our divorce decree that states that all debts that were his prior to XX/XX/XXXX are and remain his solely. This debt continues to be reported on my credit report and has been since XX/XX/XXXX. It was removed however it still showed it as an account in collections under my name and is a derogatory mark on my credit. This needs to be removed as an account that was NEVER my account and done so across the board to ALL reporting agencies as an account that was not mine, belonged to my former spouse.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MN)

I purchased a bed and financed it for no interest with equal monthly payments through synchrony bank. I have been faithfully making my payments each month for about a year and a half. Last month I rcvd a bill that stated that I did not make my XXXX payment. I thought I had made it but did not give it much thought as I had a death in the family and a lot going on. I made an extra payment in XXXX to make it up. Then last night XXXX/XXXX/15 I rcvd a call from synchrony bank stating my account was past due. So I kept them on the phone and logged into my bill pay account. While going over the payment dates with the clerk I saw I did make my XXXX payment on XXXX XXXX. She stated that since I made the payment before my statement generated they applied it to the balance and stated I had a late payment and charged me a late fee. Not sure how, but I ended up having XXXX in late fees added to the account. Well after several phone calls from out of the country they refused to fix anything they just wanted their XXXX, likely to hit their " goal ''. I called this morning and spoke to a customer service rep in the XXXX. He did fix the issue and removed the late fees. However, he did tell me that this happens to a lot of people. I felt like this was a fraudulent way to try to make money off of my account as it is a no interest account. If I had not noticed or rcvd the phone call I may have paid it even though my payments were never late!
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

I moved and transferred my XXXX cable service. I then discovered that they had charged me on my old account. I was told that it was all tranferred to the new account XXXX. I then received a call from a collection agency and just to avoid any more hassle I paid the collection agency. I have now been contacted 2 years later by another collection agency called Convergent Outsourcing Inc . They are claiming the same debt has not been paid. I have seen multiple complaints about this company and that they are basically trying to scam people for older debts.
Consumer complaint received 2024-02-13
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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  Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (MN)

I have a XXXX Visa Citi debit cards ( $ 100/card XXXX and realized the expiration was XXXX on XXXX cards. I called today and they told me they would not reissue the cards. The cards are definitely less than 2 years old so this restrictive timeframe is not consistent with the direction provided by your site XXXX that a 5 year time frame would be allowed XXXX.
Consumer complaint received 2024-02-13
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. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : ; XXXXXXXX XXXX  XXXX XXXX Balance XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$210.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was trying to access my account to unfreeze my credit on XX/XX/30, they were closed so I was unable to access my account to buy a car that day however they were open to businesses. 

Monday XXXX I spoke to one agent who said she could not unfreeze it with my information ( social, name, address ) but could send me an email with a temporary password. That was a lie, another person said it would take up to a week to get one through the mail. I need my credit unlocked immediately. They can not help me. I went through their questions to get to my account related to my credit and they said they are wrong when I have my credit report in front of me and I KNOW they are not wrong. This company is so poorly run I am surprised they can be given access to our credit reports but I understand why they have credit breaches.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Revenue Recovery Corporation (ND)

I have made this Company aware that I 've been a victim of identity theft and also provided a police report to them. This company refuses to persue the person responsible for this Medical bill. I am and have always been insured by XXXX. Additionally any bills I had would 've been sent to XXXX and paid by XXXX. It is also against the law to bill someone who 's insured by XXXX for out of pocket medical expenses. This creditor has damaged my credit by reporting incorrect information on my credit report monthly.
Consumer complaint received 2022-01-20
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: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX of Complaint listed as closed. 

Three total charges should have been reversed. AMEX reverser one of the unauthorized charges. 

On XXXX I initiated a follow up complaint. I do not see my second complaint open on my CFPB account.Therefore, I am herein resubmitting my XXXX complaint. 

Resubmission Dated XXXX of Unauthorized Charges in the amount of {$3100.00} and {$3900.00}. 



Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX IA XXXX https : XXXX XX/XX/XXXX RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card Representative : AMEX reversed a charge XXXX the amount of {$3900.00} charge Transaction Date of XX/XX/XXXX. This charge was reversed because of the lack of a valid electronic signature authorization. Thank you for your assistance. 

My question is why the other two charges not reversed. XXXX has not produced a valid electronic signature for any of the three charges ( {$3100.00}, {$3900.00} and {$3900.00} ). The charge in the amount of {$3100.00} and the charge in the amount of XXXX do not have valid electronic signature authorizations. XXXX has not provided an alleged authorization for either of the two remaining charges. Please see Complaint XXXX. 

I am filing my continuing complaint for a reversal of the {$3100.00} charge and a reversal of the second {$3900.00} charge which remain on my account plus credits for all interest charges, and any other fees or charges associated with the three unauthorized charges. 

Thank you for your cooperation. 

. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX Direct XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I bought a car from XXXX XXXX in XX/XX/XXXX and it was repossessed in XX/XX/XXXX. They sent me a ledger of payments and the contract and both have been altered to state my last payment was in XXXX which is XXXX years later On the contract dated with XXXX XXXX states I made a initial payment XXXX. The ledger states that there was repossession fee in XX/XX/XXXX and my official last payment was made XX/XX/XXXX by XXXX card. All these other payments being reported are formulated by XXXX fraudulently .Inconclusive payments are being recorded but none are being removed from the principal balance which means those payments are falsely being reported to keep my account in a open status.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-20
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: Credence Resource Management, LLC (TX)

This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (NV)

Company sent me an email to XXXX telling me to contact their office for information related to a debt. I never received communication from them in the mail with information with regards to whom the original creditor is, the amount owed, and notification of my rights to dispute the debt.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-04-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX CO XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (TN)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2016-02-04
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (KY)

This is a bill the I owe my 1st year of college, I rented an apartment off campus and when school was over I had 3 months left to complete my lease the amount of rent was {$320.00} a month but I was giving a settlement of {$1600.00} for XXXX XXXX from the National Credit System , Inc. I am trying to get this bill paid off but every times I talk to XXXX XXXX she is extremely rude and nasty when I ask her how come my settlement is so much, XXXX XXXX has forfeit the settlement of {$1600.00} only because I asked her for a detail bill for everything I was being charged on my credit report, That is my right to ask a collection representative what I am being charged for especially if they are collecting {$2000.00} with {$1000.00} being in late charges. This collection representative is abusing her position and not giving me a settlement now just because I asked for a detail bill this is against the law when I am trying to settle this bill, XXXX XXXX XXXX of National Credit System continues to abuse her authority just because i do n't know who else to turn to and to get this matter resolved.
Consumer complaint received 2024-02-15
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)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I have been a quicken loans customer over 4 years and have decided to take advantage of the low rates available in the open market now. After a month and a half of getting my refinance approved we are ready to close as of last Wed XX/XX/XXXX. my lender has called for a payoff and i have called over 9 times in the last week with no help. All we need is a payoff letter so we cut a check to payoff my quicken loan. i was fully discharged from a Bankruptcy 3 years ago and did not take Quicken into the BK with me. I have never missed a payment or needed help. I am being told today finally after the 5th call and 3 hours later that i " should '' recieve a payoff letter with in 7 business days???? We requested this last week so now another 10 days on top of the already 7 we have been waiting. How does it take 17 days just to get a payoff letter????? I am about to lose my approval along with the XXXX cash out I am taking. I have been hung up on, mislead, ignored, not called back, argued with and just plain treated rude!!! All I want is the payoff so the trust can cut a check for Quicken Loans but instead I am about to lose my refinance and be stuck with Quicken loans which is the last place i want to have my loan with. I have never been helped so little and disrespected the way they have handled my concern. I need to repeat all I want is a payoff letter so i can pay my loan off in full. I have never been late an dont owe Quicken anything beyond the principle balance. Worst customer experience i have ever had in my life and its going to cost me thousands. Please someone help or guide me howto get my simple payoff from the lender. thank you!!!