davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (CA)

I received a call from a process server to see if i was home. I asked what it was about, he replied with a case number and a phone number. Number answered by XXXX XXXX, who told me I owed {$6000.00} plus because I hadnt replied to a letter I never received in XXXX. It was from XX/XX/XXXX! It may have been a real debt from my now deceased dog, but when I called Consumer affairs, they said statute of limitations had run out, and the debt was no longer valid. I also called the company in question, they said there were no outstanding accounts in my name! I called the Law firm several times after trying to try a straight answer, but there wasnt one, and at one point they told me to shut-up! 
If I hadnt have been savvy, ( and when they told me to shut-up it was a big clue ) I might have given them some kind of payment! What a great scam! My dog did have an injury that year, and Im not sure if that large bill ever got paid. Probably not. Easy prey! I consolidated 2 years ago, so I was fairly sure there was no other debt at that point, or the wouldnt have made that agreement with me. XXXX XXXX XXXX said ALL debt, so that was another reason I was Skeptical. 
The phone number fir XXXX XXXX is XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested credit investigations on XX/XX/XXXX. XXXX and Trans Union were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from XXXX and Trans Union. XXXX did respond in a timely manner.
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (MS)

I applied and was approved for an SBA PPP loan on XX/XX/2021 through this XXXX lender. Loan Number XXXX. This lender has reported the loan to the SBA the loan as actively disbursed. It was never deposited into my account. The companies listed address is closed. They do not answer then phone. I sent them a certified letter to make the deposit on XX/XX/2021. It was received at their closed office. As of today XX/XX/2021 this XXXX lender has not distributed SBA PPP loans to thousands of people. This company has committed fraud against me, has not communicated with me in any way about the loan since it was processed, and has not deposited the funds into my account.
Consumer complaint received 2022-08-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX
Consumer complaint received 2020-11-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

This company has gotten more way more that the loan itself which is understandable but their collection tactics are not. They are calling my job, friends etc. I have asked them to stop and I will pay when I can. The loan itself is an illegal loan in the state of Florida.
Consumer complaint received 2022-04-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-03-05
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. (NJ)

XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently
Consumer complaint received 2022-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Clay Chapman Iwamura Pulice & Nervell (CA)

I was told I was getting XXXX for my business loan I applied for everything went through on my end but I never received it and now I have no access to my email I applied for it with. Also the website is no longer available it's a whole new company so there is no XXXX XXXX XXXX. I applied for several of these around XXXX XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings (MO)

XX/XX/2022 ( between XXXX and XXXX CT ) I started out offering to take care of the debt owed. I only asked that it be removed off of my credit report, or for them to send me a letter or email stating that it will be removed from my credit report upon payoff of the ddebt. The lady I had spoken with stated she would ask what she could do to get it removed. She stated her supervisor wasn't going to send me any correspondence about removing it, but that it would be removed if I paid it off in full by the end of the month, that's what they were requiring. I told her I couldn't do that, she asked how much I could pay, I said {$50.00} a month until it's paid off. She said to let her talk to her supervisor about it, moments later he came on the phone aggressively telling me that he isn't sending anything and it had to be paid in full by the months end or it wouldn't be removed from my credit. I said I need to have proof it'll be removed they said again that they wasn't sending anything about it to me. I said it's unrealistic for me to pay it off by the end of the month since I have other bills to pay, and XXXX that live with me. I said again I can pay {$50.00} a month until it's paid off, he said he doesn't need me to pay anything because they have my work info and they'll take me to court that he doesn't care, and he was talking over everything I was saying so I toldld him not to threaten me, and I told him I was disconnecting the call.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (NY)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-13
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020 I purchased a product on my credit card ending in XXXX. Chase Slate Visa. {$72.00} Company name/info : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX NV, XXXX, XXXX & XXXX, Product has never been received. Tracking number company provided per XXXX is NOT a valid number. Company not able to provide docs to prove item was ever shipped/received. 
I have been attempting since XX/XX/2020 to receive a credit on my credit card from Chase, but to date Chase is refusing to issue a credit. 

I should not be required to pay for any item not received. This is clearly FRAUD. 
PDF attached.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (AL)

No actions have been taken. I have been an employee for 21 years, I am being charged for my checking and savings account. I have been charged an {$8.00} fee for at least 20 years on both accounts. I started uploading docs but it is just too much. Please review your records.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

A debt was established shortly after move out which was XX/XX/XXXX. Part of the the {$300.00} plus dollar debt was paid. However, XXXX XXXX XXXX XXXX XXXX sold the debt to collection agency IQ data international for the amount that did not reflect payment made. Once a letter was received for debt owed, I tried explaining to management at the XXXX XXXX XXXX  XXXX that based on my move in inspection form and what was allegedly found, it was the same. Therefore, part of the debt was invalid. Since the debt was sold to collection agency, the collection amount has increased. Finally o! XX/XX/XXXX, I sent a fax to settle for less. Agency declined despite income issues.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax refuses to give me my credit report after I've sent them numerous copies of my Social Security Card and Bank Statements from XXXX XXXX, and other banking institutions where I maintain my financial accounts. I have fraud alerts turned on and according to 15 USC 1681j ( b ), they should send me my credit report upon request free of charge. They won't even send me my annual free credit report. 

Title 15 USC 1681j ( b ) Free disclosure after adverse notice to consumer Each consumer reporting agency that maintains a file on a consumer shall make all disclosures pursuant to section 1681g of this title without charge to the consumer if, not later than 60 days after receipt by such consumer of a notification pursuant to section 1681m of this title, or of a notification from a debt collection agency affiliated with that consumer reporting agency stating that the consumer 's credit rating may be or has been adversely affected, the consumer makes a request under section 1681g of this title.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc (NC)

On XX/XX/2019 KLS Financial Services , Inc. ( XXXX XXXX XXXX XXXX, NC XXXX ) contacted me regarding a debt that was owed in the amount {$140.00}. The agent explained to me that if the debt was paid on XX/XX/2019 they would not report the debt to the credit agencies. With that being the case I settled and paid the debt for {$110.00} which excluded the late fees and penalties. 

On XX/XX/2019 I got an alert on my credit report that a debt in the amount of {$140.00} was reported. I contacted KLS immediately upon receiving the alert and the the answer I got was that the report had already been sent on XX/XX/2019 and no one had saw this.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

TAKE JUDICIAL NOTICE OF CASES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has continued to violate the law as there continues to show a Public Record that is not furnished or reported from a reliable source with 1st hand knowledge. 

Also anyone can produce a phone number to the court but WHO did you speak to at the court to verify the accuracy of this Public Record and furthermore the courts DO NOT SEND DATA TO YOUR FIRM!! 

XXXX  and XXXX  both have removed the public record ... .why are you still causing me harm and damage? 

The New Jersey class action claimed Equifax violated the Fair Credit Reporting Act by sending letters that falsely told consumers that it confirms the veracity of disputed public-record information by contacting the source a county court, in this instance directly. 
In reality, however, Equifax never directly contacts the public-information sources, and uses a third-party company to investigate the disputed information, the suit claimed. 
In response to a consumers dispute regarding the accuracy of a public record, it [ Equifax ] never contacts the original source of the information, but rather contacts the private independent company that it never discloses to the consumer, according to the suit. 
Under a settlement agreement given final approval by U.S. District Judge XXXX XXXX Wednesday, Equifax will not represent that the government and/or any court or courthouse is a furnisher of information in response to a consumers dispute ; will not represent that the government and/or any court or courthouse was contacted directly by Equifax in connection with any consumers dispute ; and will not represent that the government and/or any court or courthouse actually investigated a consumers dispute. 
Lead class counsel will receive over {$1.00} million, and the three class representatives will receive {$15000.00} apiece, according to the terms of the settlement.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now XXXX won't even let me dispute this. Thank you.
Consumer complaint received 2022-04-08
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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX  : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXXXXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have filed numerous disputes about XXXX  XXXX  XXXX. They have placed a fraudulent collection that is also too old to be on my report but equifax keeps verifying it as accurate even though it is not
Consumer complaint received 2019-12-06
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. (NY)

I have been disputing this XXXX Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my experian because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract. 

They never stated who the original creditor was the Contract shows multiple names but never mentions XXXX it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly. 


The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (TX)

This complaints already my XXXX complaint to be submitted through the CFPB! I am bothered by the ability of the Credit Bureaus to do nothing to correct my Credit report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. Despite the multiple letters I have been sending, the Credit Bureaus have been ignorant of their duties to comply with the FCRA section 605b. In the event that 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, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX* Balance Owed : {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-11
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. (NE)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

on XXXX around XXXX est I called synchrony because I kept getting my date changed wrong. First, they changed the due date when I asked for the statement close date. Then they changed the statement close date to the XXXX when I asked for it to be on the XXXX. 

an agent kept saying call in during the morning. I kept telling him that calling is hard due to a XXXX ( XXXX ) and needed reasonable accommodation to have him send a secure message. Eventually, I got passed to an agent that took the extra 5 minutes to understand what I was saying. 

Having an agent just refuses to do anything when I need extra help due to a XXXX that hurts my ability to communicate is discrimination. I asked for a reasonable accommodation. He just kept telling me to call back. That isn't helping. That is discriminating by ignoring a XXXX case number XXXX