davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (IL)

I sent off a letter letting the credit bureaus know that they have 5 days to respond to my letter with all the information that I asked for them to give me. It has been longer than 5 days, it's almost been two weeks. I just need this account removed from my credit report because they are violating my human rights according to the fair credit reporting act and have been harassing me for the last couple of years and I want {$1000.00} per violation. I already sent documents proven how they have violated my rights and they have yet to respond in the time they were supposed to. PLEASE DELTE THE ACCOUNT. Attached documents below show proof how the violated my rights and along with the letter I sent via certified mail and still got no response.
Consumer complaint received 2022-06-09
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: Resurgent Capital Services L.P. (FL)

I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, Resurgent Capital Services tracking number # XXXX and XXXX XXXX XXXXXXXX XXXX XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy. 

15 U.S.C 1681section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

To whom it may concern, I am filing this complaint for the SECOND time because upon my research it appears that XXXX is furnishing invalid, inaccurate, unauthorized, and unverifiable information on without written consent. I have wrote to courts and pacer and i have proof that each one of the do not provide information to third parties companies such as XXXX. XXXX XXXX promotes fishing bankruptcies on XXXX which is a third party who search for information and sells this consumers information without written consent. By reporting this information it has terribly harmed my ability to obtain credit and caused great harm to financial well being. I demand that this information based on the my permission. XXXX provides inaccurate unauthorized and unverifiable information on companies Verified and Unverified consumer reporting list. I have attached my supporting documentation to this complaint. I demand this information be deleted immediately from my profile on your verified and your unverified consumer reports, By reporting this information you are in violation of multiple consumer laws in including privacy law *15 USC SEC *** ( a 4 ) *15 US Code** b Permissible purpose of consumer reports *15USC*** a ( e ) Investigative consumer report by the provisions By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from report immediately. It is my understanding that you will recheck these items, and remove immediately
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CT)

On XX/XX/2019 I was purchasing seats on a round-trip flight when I noticed a promotional banner ad encouraging me to sign-up for a XXXX credit card ( with a {$100.00} account credit if I used the card for the XXXX flight I was purchasing. ) I applied and was approved for the card, but when I was navigated back to the checkout page I was informed the rate / fare for the seat had increased! When I was finally able to re-confirm my seat I noticed the price of the seat had gone up by {$70.00} ( effectively negating the discount I put a hard inquiry on my credit report to get in the first place. ) This seems like complete bait-and-switch to me when the price goes up at the same time I am approved for a credit of nearly the same amount.
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In XXXX of XXXX, I moved out 3 weeks prior to the official termination date of my lease. I had to move due to having to relocate for a job in another city. The landlord at the time stated that that would be fine since I gave a WRITTEN NOTICE 30 days in advance of my having to move. He stated that they would get the apartment rented out and I would not have to worry about anything else. The landlord accepted the written notice and made note that I was vacating the premises and I heard nothing else from them. Now here we are in XXXX and there is a balance on my credit report of {$480.00} and this has drastically impacted the credit score that I am working so hard on. It has impacted my score to the point that I am not able to rent anywhere else for me and my daughter. I have attempted to dispute this several times. I would like for this to be removed from my credit so that me and my daughter can find a nice place to live.
Consumer complaint received 2021-06-08
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: CITIBANK, N.A. (MA)

In XX/XX/XXXX a balance transfer was made using a Citi credit card in the amount of XXXX. This was to pay off an existing balance with XXXX XXXX XXXX XXXX XXXX credit card ) The payment was reversed and XXXX XXXX said they never received the payment. I called and spoke to multiple different representatives all giving me a different story. The first lady I spoke with said the check was canceled because it had not been cashed within 30 days. I had asked her to reprocess the balance transfer but in a different amount of XXXX. This transfer was done correctly and the original one was processed again, even though i had told her not to reprocess. Even with the reprocess of the original payment XXXX XXXX never received it. I called back Citi again in XXXX of XXXX when I noticed the amount was back on my XXXX XXXX credit card statement. The person I spoke with did some research and found that Citi had my account number for XXXX XXXX  incorrect. I was told the balance would be credited back to my Citi Bank card in XXXX of XXXX but it never was. I called back and was told by another person the amount would be automatically deposited into my bank account within 3-5 business days, which I then gave him my bank account information. The funds were never deposited. I again called back and was told by someone else this payment was cashed and it was not their problem. I also did a 3 way call with both Citi and XXXX XXXX and went through my entire statement and they told Citi Bank they never received a payment for my account in the amount of XXXX. Citi Bank sent me a copy of the original check they claimed had been cashed. This was faxed over to XXXX XXXX back in XXXX. The payment again got reversed and is back on my XXXX  XXXX statement. I called them today XX/XX/XXXX and they told me the copy of the check I sent wasnt cashed by them and they did not receive the funds. At this point Citi Bank is saying it has been cleared but this payment was not cashed by neither Me nor my XXXX XXXX account with XXXX XXXX. This payment has been cashed fraudulent by someone and Citi Bank has not been willing to figure out how or by who.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (FL)

THERE IS AN ACCOUNT FROM XXXX XXXX XXXX Account Number : XXXX FOR {$11000.00}, IT'S FRAUD AND I DID NOT AUTHORIZE OR REQUEST AUTHORIZATIONS OF THIS ACCOUNT LISTED IN THIS REPORT. MY INFORMATION IS COMPROMISED. THERE HAS BEEN SEVERAL ACCOUNTS THAT BEEN ATTEMPTED TO OPEN WITHOUT MY AUTHORIZATION, AND HAS BEEN INSERTED INTO MY CREDIT REPORT WITHOUT PROPER VERIFICATION. IT IS UNLAWFUL ACCORDING TO THE FCRA AND A VIOLATION 15USC1681. IM DEMANDING FOR THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT VIA XXXX, EQUIFAX, AND XXXX. THIS IS HIGHLY AFFECTING MY LIFE AS AN INDIVIDUAL THAT'S TRYING TO PROGRESS THROUGH MY FINANCES. I'VE EVEN FILED A POLICE REPORT AND AND FTC REPORT TO ONLY BE IGNORED. THIS IS UNPROFESSIONAL.
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Byrider Franchising, LLC (MD)

On XX/XX/XXXX, my husband and I went to XXXX in XXXX XXXX, MD to sell or trade in our XXXX XXXX XXXX. We showed them the title and receipt that car had XXXX balance owed. However, the title we had still showed CNAC ( Carnow Acceptance Company ) listed as a lien holder. We were instructed to go to them and request a Lien release. 

On the next day, XX/XX/XXXX, we went to XXXX XXXX where we had purchased vehicle in XXXX. 
In XXXX, the car was paid off by our insurance company, ( XXXX ) due to an accident. They ( CNAC ) said that they had to turn over the Title to the insurance co. since they were the ones that paid balance owed on car. After accident, we paid for damages out of pocket and kept car. 
Now comes time to get rid of car in XXXX. We were told to contact XXXX. Which we did. On XX/XX/XXXX, spoke with XXXX customer rep who said i needed to contact the persons that was assigned to our claims. They were XXXX XXXX XXXX ( Adjuster ) and XXXX XXXX XXXX. XXXX XXXX said that he was not the right person to speak with because he does not handle title concerns. When we spoke with XXXX XXXX, her response was that CNAC never sent XXXX anything and she is not able to help other than send me copy of payment sent to them. We are getting so much run around and would like to resolve this issue quickly so that we can officially drop the car from our insurance. XXXX also has no record of payoff. 
Thank you so much for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items are unknown to me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX  XX/XX/2022
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CORELOGIC INC (NJ)

We bought our house in XX/XX/2018 loan from XXXXXXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending.

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.
Consumer complaint received 2016-04-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

Hi On XXXX, XXXX I purchased Furntiure from XXXX Store and they promoted CREDIT Purchase through ( GE Capital finance ), IF paid in full by XXXX XXXX XXXX there is NO interest. So I Kept making monthly payments until the last payment amount pending XXXX/- Now, from GE Capital the finance was transferred SYNCHRONY Bank , which was never informed to us and we did not get PROPER Communication. 
So, As of XXXX XXXX XXXX, original balance amount pending is XXXX/- and Promotion Date got expired XXXX XXXX so the interest should be charged only for the $ XXXX/- instead they are charging for the entire loan amout of {$2300.00} and my NEW Bill is XXXX it is now with further late / penalty charges $ XXXX/- Since XXXX XXXX I made several call on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I spent hours with various horrible OFFSHORE foreign accent customer service folks including one XXXX XXXX and created A dispute ticket, which they promised to investigate within 30 days and so far we have NOT recivied NO Investigation results as it is more than 30 days now. 
AFTER severals calls I discovered that SYNCHRONY BANK has XXXX accounts on my name 1. above furniture account 2. my XXXX Credit account So, I believe the SYNCHRONY BANK customer rep got confused on XXXX XXXX and told me that the balance will be XXXX, IF I pay XXXX which I agreed and paid but it was credited to my XXXX Account instead of FURNITURE Account ( So, {$770.00} interested was charged for my account should be refunded in the first place ) because had he credited to my FURNITURE Account I would have NEVER Been late because with the GRACE Period of 30 days from XXXX XXXX, It should have XXXX XXXX and the REP told since it is only couple of weeks above GRACE period he can make the Balance XXXX and close the account and did it. 

Finally, Called on XXXX XXXX, XXXX XXXX PST spoke to rep XXXX XXXX hours EXPLAINED all above especially their representative CREDITING my XXXX Account instead of FUNITURE Account and then againpaid another {$110.00} ( on the assumption that I am paying 29.99 % interest for the remaining balance amount of $ XXXX/- for the 2 weeks delay above 30 days grace period. ) Bottom line, 1. Harrasment of Increased BILL Due MAIL keeps coming 2. NO Investigation results has been shared instead, PHONE CALL Harassment with so much keeps coming.. 

I will not pay interest for entire loan amount of {$2300.00} because on XXXX XXXX the balance was only $ XXXX and the rep made a mistake of crediting wrong account i.e. XXXX Account instead of XXXX account. 

Please help US from this harassment from this SYNCHRONY BANK OFFSHORE Customer services folks undue diligence, professionalims, accent and torcher.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MD)

Amount {$1300.00} To Whom : XXXX XXXX Collections agency : Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This debt is not mine. I contacted Sunrise Credit when I noticed my score was suddenly severely reduced and we established the email associated with the debt is not mine. 

They have simply ASSIGNED the debt to me. 

This resultant action has reduced my credit score from XXXX to XXXX currently, from this one and only negative entry.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Johnson Mark LLC (UT)

I got served a Summons from the Attorneys of JOHNSON MARK LLC about a debt that I owed to XXXX XXXX XXXX.

I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of JOHNSON MARK LLC, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while JOHNSON MARK LLC is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MI)

My old loan servicer was XXXX, they transferred my loans to Nelnet on XX/XX/XXXX. 

Before the loans were transferred to Nelnet, I was on the REPAYE payment plan, my income was below a certain threshold, and my monthly payments were set a {$0.00}. 

Through XXXX, I opted out of the covid XXXX pandemic payment pause/forbearance program when the federal government announced the program in XXXX. The first attachment is a bill from XXXX to prove that I was being billed monthly, and opted out of the pandemic payment pause. I opted out because my payments were $ XXXX and I am working towards loan forgiveness after a certain number of satisfactory payments have been recorded. I wanted to opt out the pandemic payment pause so that my payments would continue to accrue towards my loan forgiveness. 

On XX/XX/XXXX, Nelnet took over as my loan servicer. They REMOVED my opt out request previously made with XXXX, and they also REMOVED the satisfactory monthly payments made to XXXX during the pandemic payment pause that I had opted out of. I believe this is illegal. They certainly don't have the right to remove payments that made progress towards my loans ' forgiveness, regardless of the monthly payment amount. 

I contacted Nelnet over 3 times in writing asking them to amend and fix this matter. They have refused to complete my request. They did, however, finally, after the third complaint email, put my loans back into the opt out ( of the pandemic payment pause ) status, and my payments have resumed at $ XXXX. 

I have asked Nelnet to amend my account to reflect that I made satifactory payments THROUGHOUT the entire pandemic payment pause, including the satisfatory payments made to FSL that Nelnet removed when they took over as my loan servicer. They have refused my request at least 3 times, and refuse to directly answer my questions regarding this matter.
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-06
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: Comerica (OK)

XXXX XXXX is using her XXXX account to excise tax with direct express under my identification information she scam artist that works for XXXX XXXX XXXX she a XXXX  and XXXX XXXX XXXX for the Social Security she also as a major for XXXX XXXX XXXX XXXX she charges debit too my credit account and entering my apartment illegal this is XX/XX/2020 XXXX and XXXX