davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (GA)

I sent Equifax, XXXX XXXX XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I had signed up for an American Express Business Gold card. The promotion was to spend {$5000.00} and received XXXX MR points. I recently canceled the card and Amex took away the bonus points.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (MD)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-04-27
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. (AL)

Hi I am submitting this XXXX 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 XXXX 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 depression 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 XXXX XXXX  now.with no help.
Consumer complaint received 2021-10-14
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: DISCOVER BANK (MA)

I contacted Discover Finicial Services in order to figure out why I have a outstanding balance and why I had a open account that was reporting under a different name but same social, It was identify theft. I left them know that I never opened a account with them and they proceeded to tell me that the account was sold off and they couldn't do anything to contact XXXX dispute it and get removed even though the account is not in my name.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (NC)

We have banked with Vystar Credit Union since 1984. XXXX we were notified that XXXX XXXX would be down from XX/XX/XXXX XX/XX/XXXX, online and mobile banking would be down the XXXX XXXX. We scheduled our bills through the end of XXXX. 

XX/XX/XXXX the system was not available and was down through the end of XXXX. Vystar sent emails stating the system was up for people to use on or about the XXXX. My husband and I spent hours that turned into days trying to log on and see what had transpired on our accounts over 3 weeks. I even sent an overnight letter to the office of the CEO explaining we could not log in and no one at Vystar was able to help with the page not found error we received everytime we tried sign on. The letter was sent on XX/XX/XXXX. No response has ever been received. Vystars senior management continued to send broadcast emails to everyone stating the system was up. There was no acknowledgement of the continued issues logging in or the fact that bill pay was not available. 

I reported the issues I was having to the news in XXXX. We live in North Carolina so the reporter interviewed me via XXXX. When XXXX XXXX XXXX reached out to Vystar to ask about the issues that continued to plague their customers, Vystar did not acknowledge the issues continued. The PR department just gave a pat statement that customers are able to log on. The reporter told me they knew there were still customers that could not sign in as some of their staff could not log on. 

My husband spent the day on XX/XX/XXXX trying to get assistance. After hours of being on hold the Vystar rep told my husband they would have someone from the IT team call him back. He never received a call back. On XX/XX/XXXX my husband called back to see if he could be connected with the IT team that could assist with the no page found issue. At XXXX pm XX/XX/XXXX he was able to log on to our accounts. It took IT all of XXXX minutes to fix the issue. 

Mobile Banking was just brought back on line this week. 

My complaint is Vystars Senior Management was not transparent with all the issues, never revealed the fact that bill pay was not available at all through their phone system XXXX XXXX that we were continually told to use. There was no plan in place for the failure of this magnitude. There was no backup plan to put the old platform in place while the issues with the new platform were fixed. There is no excuse for this. Both my husband and I have worked for national banks, banks that were considered too large to fail, and understand there are times that systems will not work as planned but a back up plan is always in place. Vystars issues rest squarely on the shoulders of the CEO who did not ensure the customers were able to handle day to day tranactions for over a month.
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (MI)

I received communication by phone and mail in XX/XX/XXXX about a report unpaid medical charge from XXXX. When I spoke with the collection agent I disputed the charge as I knew that my insurance paid this clinic. The collection agency said they would get itemized info from the clinic. Then in XXXX they reported to XXXX  that I was delinquent. I contacted the collection agency and paid the disputed amount and told them I would proceed to take action against the clinic and they agreed to have the info expunged from my credit report as they never followed through with getting any data from the clinic and I had proof my insurance paid any known charges. I then filed a dispute with XXXX  and submitted the letter from the collection agency and the insurance report. The collection agency has twice still verified the debt and not removed this from my record. I have spoken to a supervisor at the agency who verified that they would report to XXXX  the deletion if the request came and today they still reported no change to XXXX  and my credit score remains significantly reduced due to this inaccuracy.
Consumer complaint received 2022-06-27
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. (VA)

In accordance with the Fair Credit Reporting Act, 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 all of the above , have violated my rights. 
15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rock Creek Capital, LLC (WA)

In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC I was notified by XXXX  on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by Rock Creek Capital , LLC ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX, I have never been contacted in any way by XXXX XXXX since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from XXXX  dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, Rock Creek capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Texas XXXX ), the amount they are alleging in collections is {$3800.00}. 

Further, Rock Creek capital LLC ( https : //www.rockcreekcapitalllc.com/, XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two.

So the debt collection agency, XXXX, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX and XXXX is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against XXXX  who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Consumer complaint received 2022-04-20
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: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I used my sphere credit card through Santander Bank to purchase a specialized automated indoor grow box from XXXX on XX/XX/XXXX. In order for this machine to work, you must have access to their server and their customer service. The machine arrived on XX/XX/XXXX and was up and working on XX/XX/XXXX. I was in contact with the company until XX/XX/XXXX and I never heard back from them again. On XX/XX/XXXX, the grobo was not working properly and I had to shut it down. Since I could not contact XXXX at the time, I reached out to my credit card company ( sphere through Santander bank ) on XX/XX/XXXX to dispute my charges since I couldn't contact the company. The credit card company gave me a tentative credit while they looked into the dispute. When I got word that the dispute was denied, I contacted the credit card company. I then put in a second dispute where I supplied a bankruptcy letter from XXXX. I was again denied the dispute. I called the credit card company again and spoke to a supervisor, XXXX, who was going escalate my dispute and update me the next day and I never heard from her. She also claimed they didn't use the bankruptcy letter in their decision. I got a letter denying my dispute again. When I called again, I was told I can not dispute it anymore. This product does not function if the company is unreachable. I can no longer use the machine as it is not working properly and if it did, there is no way to get supplies since the company no longer exists. I just want what I put out for it {$1900.00} plus interest back. I don't feel my credit card company is acting in my best interest as I have had another dispute before this one in which I was denied and I had to take care of it myself. They denied me a dispute to a charge from XXXX pick up from clear across the country during the pandemic.
Consumer complaint received 2022-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I qualified for PSLF through 120 payments as of XX/XX/2022. I submitted my PSLF application for forgiveness on XX/XX/2022 and I received a response from FedLoan Servicing saying they would process my application in 30-90 days. It has been over 90 days with no response from FedLoans. I have called 4 times but the call disconnects whenever customer service attempts to transfer me to a PSLF specialist. The FedLoans website no longer says that my PSLF application is being assessed but I have no new payment counts or updates from FedLoans.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NC)

My mortgage servicing company is Primary Residential Mortgage ( PRMI ). My problems with them are as follows : Escrow shortage money ( {$500.00} ) submitted to them XX/XX/XXXX was not applied to escrow account as I was told. It was applied to mortgage payment. It took my phone call on XX/XX/XXXX for them to be told about this and on XX/XX/XXXX that {$500.00} was directed to escrow account. 

XX/XX/XXXX I received both letters and phone call of mortgage shortage for XXXX payment. My payment transaction history from my bank shows PRMI has recevied ( 23 ) payments of {$610.00} from XX/XX/XXXX through XX/XX/XXXX totaling {$14.00}, XXXX. Payments, bi-weekly, with XX/XX/XXXX having ( 3 ) payments. The required mortgage is {$13000.00}. This month I am being told that my payments are late and overdue. How is that possible? 

After calls ( XX/XX/XXXX, XX/XX/XXXX ) I was told by XXXX XXXX ( Customer service team lead ) of PRMI that some of my payments ( {$720.00} ) of my intended mortgage money was applied to the principal in XXXX. She also stated it couldn't be reversed because it was over one month. The escrow money was reversed and it was over one month. She stated in her XX/XX/XXXX call that supervisor would call to discuss this with me further. I was never called. 

In my opinion, I feel that I should not be obligated to pay any late fees or make up the mortgage payments shortage they claim I have. They received 11 1/2 months of mortgage payments for 11 months of mortgage. Because they applied the money incorrectly, is not my fault and should not be penalized.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (MA)

I am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX Bank, XXXX XXXX, XXXX  XXXX XXXX, and XXXX. I received letters from XXXX Bank validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with a credit reporting agency with all required documentation to validate I am a victim of IDENTITY This has not been done. After calling the credit reporting agency I have not been provided information and documentation why this has not been honored. I was informed to submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and I have not received anything to my request.
Consumer complaint received 2022-06-28
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX, XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-16
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance Owed : {$370.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$890.00}, XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance Owed : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$79.00} ; XXXX  XXXX Balance Owed : {$240.00} ; XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; showing on my credit report XXXX I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc. (FL)

Someone opened an account with Kikoff Lending that I know nothing about. I only know about it because it has made my XXXX XXXX drop over XXXX points. When you call kikoff, they have an answering machine that says to send them an email but no one responded to my email. The account is XXXX  days behind and it started in XXXX but I didn't notice it until it negatively effected my credit score. From what I can tell, it's only a {$24.00} debt. From what I read this company is supposed to help people with low credit improve their credit scores. All XXXX of my credit scores were over XXXX so I wouldn't have applied for that type of service.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Good day, the transactions on these accounts and their respective charges are all fraudulent to which I never benefitted from. I am a victim of identity theft, I have reported this to the federal trade commission but they are not removed from my report which is extremely frustrating, this has negatively impacted my life and my credit score.