davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (AZ)

I purchased a stereo from XXXX XXXX XXXX XXXX and an amplifier for my vehicle. i was making my payment on time to the leasing company that took the lease for the merchant. Early on in the lease I had a problem with A XXXX XXXX reference XXXX XXXX amplifier. when I took this itme back the merchant gave me problems returning the item in exchange for a new one. the end result was me given a used item off the shelf. Ilef the store no complaints. I later had an issues with an XXXX XXXX car stereo I returned the item and the merchant took it back, they adv me I would get my return receipts via email and text message the same way I got my other documents at time of purchase I said ok and left the store.. A  month later im still being charged the same amount by the leasing company. I put in a dispute with the leasing company to make adjustments to my lease and the leasing company said they were adv buy the merchant that the XXXX XXXX  XXXX was not returned I need help as the merchant is in possession of the property an i no longer have the item. I also explained to leasing company XXXX i want to return the rest of my items to cancell the remaining lease and they refsue to take the items back and make the adjustments for a item im no longer in possesion of. I want to make sure they do not ruin my credit.
Consumer complaint received 2020-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, Equifax and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-09-19
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. (GA)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRAUDULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CO)

I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (CT)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX  XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXXLoan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX  - Loan Amount {$0.00} XX/XX/2020.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ACIMA CREDIT, LLC (FL)

I was admitted to the hospital back in XXXX XXXX of 2019. Many test had been ran they could not figure out what was going on with my body. After a lot of back & forth it was finally determined that I had XXXX. This was in the beginning stages so less information was known then versus now. I was in the hospital for about 3 months. I am lucky to have made it out alive. So when I did finally get released and was a able to get some energy I began to contact my creditors as I was not able to do from the hospital bed. I contacted Acima and explained the situation. They agreed to put me on a catch up plan and the rep stated all negative reporting would be removed. I have since went back & forth with Acima about this plan that I was not told I had to call back in to continue a plan and they are continuing to report late payments on my credit that has taken my score down over XXXX points. I went into an agreement thinking everything was solid. I have called and spoke with Supervisors whom all they do is apologize for the misinformation but claim it's nothing they can do. This is totally unacceptable and Acima needs to uphold their end of the bargain. No one asked for XXXX and what it has done to the country so to be taken advantage of my Acima is just flat out not right. I wasn't able to take advantage of the early buyout due to my illness now i'm almost paying 3 times the amount I would have been paying and they are adversely affecting my credit. This needs to be rectified immediately.
Consumer complaint received 2019-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX I called XXXX to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked XXXX  to remove due to no knowledge of them ... 
XXXX XXXX XXXX XXXX date XX/XX/XXXX phone number XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX auto inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

I was able to get the payments lowered. However, I had lost my job after separating from my spouse leaving me having to get an apartment for my children and myself. I contacted the company with this information that I did not have any incoming money to make payments at that time. I had enough money to pay rent by using my 401k. Then COVID-19 happened and I didnt start work right away. When the divorce was finalized and my lawyer was paid and the house was sold, I went to pay off the card and it no longer showed up for payment. I did not receive any letter indicating the account was sent to collections or the card company was going to send to collections of payment was not received. Now there is a derogatory indicator on my credit report because of the card company failing to work with me in my situation. I planned on paying off the card once the funds were available from the house sale. Therefore ; the information is poorly reported by the card company. At the most a negative report but not derogatory. I didnt refuse to pay I just could t pay at that time. The company was aware of this respectfully.
Consumer complaint received 2020-10-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Americor Funding, LLC (CO)

This isnt being done. The other lie is that they pay the creditors by lining me the money interest free for a year, which didnt happen and the accounts were only paid once I funded them to be paid causing delays in negotiations and payments as well as additional fees, interest, and negative remarks from creditors. Americor has reviewed the phone calls and admits they told me lies but only apologize, they refuse to rectify the situation. I came up with a compromise for them to negotiate my last account for no fee, which would be about $ XXXX. This isnt worth the damages they have done to my credit but I just wanted to be done with them. They said theyd discount those fees a couple XXXX. I told them not to bother, to just negotiate it out and Id pay in full and sue for fraud later. They have since contacted me saying they need my approval to terminate my contract with them without negotiating my last account. Ive said twice thats not what I asked for and for them to negotiate a settlement so I can pay it off. They contacted me yesterday for approval, I replied within 5 minutes saying I did not approve and they emailed me saying the cancellation was finalized. My contract says a 3 day notice to cancel from either party is required. I asked them if they actually finalized it because it doesnt show in my account as cancelled and they havent replied to me.
Consumer complaint received 2020-10-14
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: EQUIFAX, INC. (TX)

Hello, My name is XXXX XXXX. I am writing this complaint regarding Equifax. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues.

Also, I have verified my identity multiple times. They have been done through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XX/XX/2019 I informed Credit Acceptance that this account did belong to me yet they delivered documents that were clearly result of identity theft as the application did not have my signature. Also requested a copy of driver license that was provided yet Credit Acceptance could not provide this as either. Credit Acceptance is continuing to inaccurately report incorrect information on to my credit file. Now I am requesting what date was such vehicle repoed and where was it repoed from. Also what remedies were used to contact me to make me aware of such. I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Credit Accpetance in the State of Texas on or about, a date that I am unaware of due to it was not my vehicle nor the signature on the contact is mine. However under the laws of the State of Texas UCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Consumer complaint received 2020-03-19
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. (WA)

Ive reached to XXXX NUMEROUS times, Ive disputed theses items on my credit report numerous times and they still have failed to provide proof that these items are mine. XXXX  was unable to verify these items so they have been deleted from my credit file. Im very curious to know how XXXX  was able to verify these items but XXXX  wasnt, Im demanding they provide proof, I would LOVE to see it.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I am a victim of ID theft. I have been battling this ID theft since XXXX. My credit report stays frozen to prevent new fraud, however I suspect for this type of service XXXX does not actually check credit reports to authorize service. 

On XX/XX/XXXX I mailed my standard fraud packet to Enhanced Recovery, which I am very accustomed to doing as new utility and medical accounts pop up on my credit report from time to time. This was sent via USPS to there XXXX XXXX XXXX in XXXX Florida. 

On XX/XX/XXXX I noticed this account was still on my credit report and I had not received any communications back from ERC. I placed a phone call, explained the nature of my call and provided the representative with my full social security number. He located my account and confirmed the balance was for a collection account outside of my home state of California. I explained that I had sent out a fraud packet and expected this account to be swiftly removed from my credit report. He deferred me to XXXX  and stated they would not remove anything from my credit report without specific instructions from XXXX. I advised him that Enhanced Recovery is the entity on my credit report and not XXXX, and therefore the company breaking the law and perpetuating abusive consumer practices is ERC. 

Not intending to argue, I reached out to XXXX  as advised by the Representative at ERC. He even provided me with XXXX account number as XXXX. I explained to the XXXX  representative my situation, and he proceed to attempt to look me up using the alledged account number provided to me by ERC. He stated he was not able to find any account using the information provided. I advised him ERC found the account using my social security number, and he then proceeded to search using my social. He still found nothing. Very frustrating, as I had advised him I am in the middle of refinancing my mortgage to take advantage of the historic low rates, and I may be losing out on this opportunity thanks to there complete and utter incompetence.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (PA)

Key bank keeps hitting my credit profile. Ive alerted them and been ignored. 
I pay on time and it clears on time. No idea why its ruining my credit. 
Ive had issues w key bank before. And dealt w XXXX XXXX
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OH)

Ohio has issued a U.S. Bank Reliacard to receive COVID-19 Unemployment benefits. I have been reciveing benefits on this card and used this card just fine until on XXXX XXXX, my card was suddenly " locked '' for ID verification purposes. Relicard associates told me to fax a copy of my ID, SS card, and a copy of my XXXX W-2 or IRA tax document, they would verify me, and have my card unlocked in 5 business days. I followed that instruction and sent those copies on XXXX XXXX and again on XXXX. After calling and waiting for hours to talk to someone to make sure they got it, they told me they can not call F.I.U.Verification where I sent the fax, they can not verify if they received the fax and I should send it again. I did so on XXXX XXXX, and this time I sent a copy directly to U.S. Bank Reliacard , so they too would have a copy of those same documents. Now, 4 weeks with this locked card, and having my unemployment benefits being consistantly deposited, I still have no access to a card that was given to me to use my benefits! I have been told by Reliacard, 5 days, then 7-10 days,10-15 days before my card can be unlocked. We are now past that. I have been told my documents have been received and approved, now on XX/XX/XXXX, Im being told they have not been approved, " the copies are too dark '', " we are backed up.. '' and " to call back in an hour.. '' this is completely unacceptable! I threaten to call Ohio unemployment, and Reliacard associates tell me they have nothing to do with it. Ohio unemployment says they can't help because there is nothing wrong with my benefits. I ask for FIU Verification number to call them directly, Relicard says they don't have a way to contact them! I look online at https : //www.complaintboard.com/us-bank-reliacard-l1835.html and there are thousands of the same complaint for the same reasons! What is happening? My bills are due and I'm sure I can't keep telling them 5 days, XXXX days, 15 days. Thank XXXX my resturaunt job that closed due to COVID taught me how to cook, but I have no food to cook since Reliacard 's so-called verification process has my benefits locked now for over 3 weeks. I will not attached the personal documents that Relliacard has asked me to forward, ans they contain Social Security number etc. I find it ironic that this day in age with the amount of fraud that is happening, Reliacard has asked me to fax personal info to a so-called verification group THEY can not contact themselves, nor will give me info to contact myself!
Consumer complaint received 2020-10-14
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. (VA)

I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the Equifax breach but I can't wait until this is over. 
Thank you for your assistance
Consumer complaint received 2019-07-02
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: CITIBANK, N.A. (OR)

On XX/XX/XXXXI had a hard report on my account for Citibank I don't bank with Citibank I don't have a Citibank credit card on tXX/XX/XXXX I had a hard investigation on my credit report from XXXX in XXXX I do not have XXXX nor XXXX asked for them to look in anyting so I'm questioning this
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

The credit information being reported is NOT accurate : 1, The date of the debt and/or collection is not correct 2. The amount of debt is not correct 3, The debt was incorrectly billed to me without my knowledge or authorization 4. Service was not delivered and/or was defective 5. Billing error - should have billed to insurance 6. Subsequently billed to insurer 7. Subsequently paid by insurer