davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft. Therefore, I submitted an FTC report to have all accounts deleted, but they failed to do so. I also, NEVER gave them permissible purpose to furnish any of the information included on the FTC report neither. Therefore, this false information should be deleted since they are violating my rights as a consumer.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I filed a dispute with my debit card company against an unauthorized charge for XXXX from Experian. The charge was reversed and the company was blocked. I recently filled out an application for a new rental and they requested a background and credit check. Experian then charged my debit card again for another XXXX without permission. 

The issue is that in credit card protections, I listed all my debit and credit cards for protection and they are being illegally charged without my permission. I have had to keep my cards maxed out and had one card replaced in fear of constant credit dispute. 

I have blocked this company and cancelled the service. Yet they persist in billing.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

An account XXXX is reporting inaccurately by Transunion on my credit report. It is showing as an open account however it is in Collection/Charge off status. Transunion continues to toggle the account back and forth between reporting as opened and closed. The last payment date is incorrect and it is still reporting late payments among other inaccuracies. I have disputed this inaccurate account multiple times over the past few months in writing and over the phone and Transunion has refused to report accurately. My consumer rights are being violated. I have detailed records of all my disputes which I have sent certified mail.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

RE : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) Compliant against Bank of America We received a misleading letter from Bank of America on XX/XX/2023. Bank of America has engaged in Unfair practices by allowing Bank of America bank branches located in middle- and upper-income census tracts in majority white neighborhoods to stay open to serve their community. 

Example : XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX to XXXX and Saturday XXXX to XXXX ; Located in an upper income census tract ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX XXXX XXXX and Saturday XXXX to XXXX ; Located in a moderate-income census tract ; XXXXt : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX to XXXX and Saturday Closed ; Located in a low-income census tract ; XXXX  : XXXX Conclusion We appreciate this opportunity to file this complaint against Bank of America and would look forward to discussing a plan for Southern XXXX and be a leader in addressing inequality in XXXX.
Consumer complaint received 2022-01-18
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. (PA)

Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. ]
Consumer complaint received 2021-04-07
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: CITIBANK, N.A. (PA)

I have the Citi Double Cash card and used their " citi flex pay '' plan to purchase my new roof. I needed to create two plans both in the amount of {$5400.00} at an interest rate of 5.99 % each with a payment plan of 24 monthly payments in the amount of {$240.00} totaling $ 484/month. I typically only use this card for larger purchases and pay them off right away. I purchased a couch in the amount of approximately {$1500.00} and immediately made a payment for that amount. Unfortunately, the couch purchase had not " posted '' to my account and thus the {$1500.00} payment was taken off of my flex pay plans resulting in them being paid off much more quickly. I requested that Citi reinstate that amount on the plan and apply the payment to the {$1500.00} purchase that had since posted to my account as opposed to having to pay a higher interest rate XXXX 15.99 % ) on that couch purchase. Citi is refusing to do this and has been confusing, misleading, and unclear in their explanation. Essentially, I am being penalized and now face nearly $ XXXXmonth extra in interest because I paid off a purchase too quickly. Their process for flex pay is not clear and they are refusing to be flexible. As such, I am being penalized and they are quite literally stealing money from me because I paid off a larger chunk of my bill. I find this absolutely ridiculous and would like to find a remedy. Again, I have contacted Citi and they refuse to meet my needs or negotiate with me.
Consumer complaint received 2022-01-18
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VT)

XXXX XXXX  provided incomplete and improper information in their XXXX application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their XXXX application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with XXXXXXXX XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armstrong and Associates, Inc (AL)

I received a letter from Armstrong and Associates, XXXX XXXX XXXX, XXXX AL, XXXX, ( XXXX ) XXXX on XX/XX/2023, stating that I owed {$40.00} in debt owed to XXXX XXXX XXXX. I spoke with the XXXX department XXXX XXXX XXXX XXXX ( XXXX ) XXXX at XXXX XXXX  Central Time on XX/XX/2023, and they had no record of any outstanding balance or debt being submitted from any account associated with me or my immediate family. I called Armstrong and Associates on XX/XX/2023 at approximately XXXX XXXX XXXX and spoke with XXXX XXXX to dispute the claim. She stated that she would verify with XXXX XXXX XXXX and get back to me. I requested she share the name of a contact at XXXX XXXX XXXX who could verify their claim if the debt was not dismissed. 
I received a second letter attempting to collect on XX/XX/2023 that claimed to enclose verification of the account and asked that I call a different number than before ( XXXX ) XXXX. However, nothing that was included could be verified with XXXX XXXX XXXX. I called the number requested and they insisted that XXXX XXXX XXXX submitted the debt to them, and they have re-verified it despite the fact that no one at XXXX XXXX XXXX will back their claim when I call. They demanded that I keep calling XXXX XXXX XXXX and re-dispute the claim with Armstrong and Associates. When I tried to get to the disputes department. They put me on hold for an extended period of time, then when someone finally picked up, she identified herself as XXXX, and told me she couldn't help me. 
I believe that Armstrong and Associates is deliberately and fraudulently making this process unduly difficult in order to create enough burden that I will pay a debt that the original provider says I do not owe to them.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Capital Link Management, LLC (IL)

I have started the process to file XXXX XXXXXXXX and signe the petition on XX/XX/2023. I have had repeated calls and text messaged from XXXX XXXX threatening legal action/direct refusal. I called and spoke with XXXX. i explained again that i was in the process of bankruptcy to stop calling me, my job & sending email. He was rude and curt and hung up and speaking super fast that he would take note.
Consumer complaint received 2021-04-07
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. (OH)

I had an alert on my credit report today at Experian account XXXX XXXX XXXX XXXX XXXX '' Hard Inquiry on Credit Report. I never applied for any loan. Someone is misusing my SSN for applying loan from the government
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Columbia Collectors Inc (OR)

I had a car I bought from a auction and sold a couple days later. I ended up getting a paper thru the mail that The car ended up getting towed from the person I sold the car to. I submitted that I sold the car to the XXXX the day it first got towed. I even contacted the tow company telling them I sold car and to who and that I dont have anything to prove that its mine at that time. The women said it was okay and we moved on from it. A month later the car got sold at auction and the fees came to me thru mail. I contacted the tow company once again and told them I sold it and even offered the copy of the bill of sale as well as the name and phone number of the person. The women didnt seem to care and kept saying the car was in my name when it got sold even though the XXXX says its not in my name. The XXXX appointed me to XXXX  XXXX that once the XXXX gets notified of the vehicle sold that no matter what the old owner cant be cited or responsible for it. I have screenshots of everything needed. As much as I wanted to make the tow company believe me they dont seem to care. Im a very responsible person and definitely was expecting them to actually send the debt to collections.
Consumer complaint received 2024-02-17
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: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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
Consumer complaint received 2023-03-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC. (MA)

I have been trying to close my deceased mothers account I have visited 3 times and called once. Each time I am told a different set of requirements. I have submitted death certificate and order from the probate court. To no avail. It appears to me they are purposefully making difficult to close this account to keep account at a very low rate. .05 %. Feel unfair.
Consumer complaint received 2021-04-07
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: Bread Financial Holdings, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX COMENITY BANK ) XXXX ... XXXX XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-02-17
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America, NA has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (NJ)

I recieved a letter in the mail this week from First National Collection Bureau, informing me that there is a judgement collection on behalf of a current creditor of XXXX XXXX, with an Original Creditor of XXXX XXXX XXXX. The debt amount is for {$11000.00} and a judgement date of XX/XX/2007. This debt is not mine. I have never had an account with a XXXX company or palisades acquisition nor is this a judgement rendered against me. I believe the letter to be a scam or an error. Additionally, I recieved this letter at my NJ address ; my father with the same name lives in NY and he recieved an identical letter with the same creditor and dollar amount a week ago, leading me to believe this is a scam and the company may be sending repeated letters out to as many people as possible. This debt is not valid and not mine and this needs to stop.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I was enrolled in XXXX XXXX. Fraud was legally discovered and the debt forgiven. The credit bureaus and the US Dept of Ed have refused to delete this information from my credit and are reporting the debt as a collection regardless of the fact that I have provided all of the documentation proving the forgiveness. This is causing my family unbelievable hardship. Please help me correct this once and for all.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was running a credit of {$15.00} with my Capitol One credit card for over 10 months and knew I did not use the card so was not worried about my statements. Then when trying to buy a house I learned from my lender that my credit score tanked because of delinquent payments. Upon review, Capitol One added a membership fee of {$39.00} in XXXX of XXXX, because of the credit on the account that brought my balance to {$23.00}. Not knowing of the membership fee I did not pay the balance. In XXXX the amount I owed climbed to {$38.00}, in XXXX to {$73.00}, in XXXX to {$110.00} and that is when my lender discovered what I owed and I immediately paid it. However, the damage had been done and now I am unable to purchase a home. It was not because of a line of credit the company gave me but because I did not pay a membership fee. No additional outreach was done to me to let me know the fee was accruing interest and my credit score was being destroyed even though the company had my address and phone number. When I reached out to Capitol One yesterday ( XX/XX/XXXX ) I was told to write a letter and they would review it but it would take up to three months to resolve if it was resolved at all. In the meantime, my credit is ruined over a {$39.00} membership fee.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was enrolled in XXXX XXXX. Fraud was legally discovered and the debt forgiven. The credit bureaus and the XXXX XXXX XXXX XXXX have refused to delete this information from my credit and are reporting the debt as a collection regardless of the fact that I have provided all of the documentation proving the forgiveness. This is causing my family unbelievable hardship. Please help me correct this once and for all.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

I received a letter form Synchrony Bank notifying me that someone requested a PayPal Cashback Mastercard account without my permission or authority. The letter noted that the request was made on XX/XX/2023 and that " Your PayPal account is in a locked status ''. It was further noted that I did not need to respond to the letter. 

I contacted Synchrony Bank and expressed that the attempt by someone applying for the bank card was fraud. The bank rep advised me that the information provided would be noted to my account.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP (NJ)

Pressler felk and Warsaw tried to collect a 17 yr old credit card write off. They levied my bank account. My only source of income is social security disability and a small pension from ups. I provided all records of award letters dating back many years as well as bank statements of 3 months. They sent me a letter objecting to the levy objection saying I was missing a page of account records. I gave all of the docs to the Court administrator and she copied them and stapled them together. I mailed them certified and regular. Now my wife and I must go to court Thursday, XX/XX/30 to address this. How do I go about fining them $ XXXX per violation as per the new law?
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.