davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The complaint has never been addressed by XXXX XXXX. The complaint is specifically addressing ONLY the reported missed monthly payments of {$1900.00} for the months of XXXX 2019 as reported to Equifax and XXXX. The furnisher/ XXXX XXXX continues to report to Equifax and XXXX `` missed monthly payments of {$1900.00} for the period of XXXX 2019. This continues to be an erroneous report by XXXX XXXX, a year after the note has been satisfied. 

XXXX XXXX and/or representing XXXX XXXX Attorneys or XXXX XXXX never provided notice, a request or filed any motion mandating monthly payments of {$1900.00} to my Attorney XXXX XXXX or to Judge XXXX of XXXX County, Florida. There was no filed motion requesting monthly payments of {$1900.00} for 2019. Nor was any statement for 2019 received, submitted or demanded a monthly payment was due for any month in 2019 in the amount of {$1900.00}. As reported to CRA 's. 

All documents provided by XXXX XXXX, were examined by Attorney XXXX XXXX, XXXX, Florida, Were examined by XXXX XXXX Attorney 's and examined by Judge XXXX of XXXX County, Civil Court, Florida. No such request was ever made in 2019 to make monthly payments of {$1900.00} in 2019. 

Numerous requests under FCRA 623 have been requested from XXXX XXXX and to confirm accuracy of the reported erroneous missed monthly payments of {$1900.00} for 2019.It is the obligation of the furnisher/ XXXX XXXX to correct or remove the monthly missed payments for 2019, per FCRA. Or remove delete the tradeline of misinformation. 

623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

My request under FCRA 623 is the " accuracy of missed monthly payment of {$1900.00} for the period of XXXX 2019 '', not the validity of the debt. Two separate issues. To provide the documentation to evidence the monthly payment demand of {$1900.00} for 2019. 

This is now become willful harm, defamation and XXXX XXXX is never been able to confirm the accuracy thru any written correspondence, motion or demand of the reported missed payment for the period of XXXX 2019. Nor disclose a paper trail there was a demand for monthly payments of {$1900.00} for any month in 2019. Therefore, they are obligated by Federal FCRA guidelines to provide an " accurate history '' to a consumer 's credit bureau or delete the erroneous information from the CRA 's.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (HI)

I received an unsolicited HOME DEPOT credit card in the mail. Unsure of exact date. 
It was already activated for use according to the instructions attached to the card and no phone number to call to activate the card. 
XX/XX/XXXX I made an initial purchase of {$100.00}. Received initial statement in XX/XX/XXXX. XXXX reflected purchases and credits from XX/XX/XXXX - XX/XX/XXXX which I didn't purchase or returned for credit. Total purchases listed was {$1300.00}. Total credits was {$650.00} New balance was {$650.00}, My purchase of {$100.00} made on XX/XX/XXXX was listed and I paid this on XX/XX/XXXX. On XX/XX/XXXX I cancelled the subject card and reported to XXXX XXXX. Received confirming letter from XXXX XXXX dated XX/XX/XXXX. Received letter from Customer Service dated XX/XX/XXXX informing me not to pay charges in questions. Received decision letter from XXXX XXXX dated XX/XX/XXXX that I am liable for the disputed charges. Called XXXX XXXX on XX/XX/XXXX and they informed me that once I accepted the card by using it, I am liable for the disputed charges. Received new statement on line reflecting a new balance of {$540.00}. The new statement also reflected a " No interest for 12 month payment requested on XX/XX/XXXX '' which I did not request. I swear on a stack of Bibles that I did not purchase the disputed charges. I hope you can help me. Thank you
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

My American Express XXXX were abruptly suspended after XXXX years and I was told that I have to submit filed tax returns in order to restore my privileges and I never received anything in writing. I spoke to XXXX XXXX who was assigned to my account.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (VA)

I receive my social security XXXX on my Direct Express card. There was an unauthorized backcharge made by XXXX in the amount of {$620.00}. I did not purchase anything or order anything from XXXX. It over XXXX my account in the amount of {$620.00}. I tried several times to contact XXXX and they had no idea what i was talking about. I filed a dispute with direct express over the phone on XX/XX/2020. It took me 1hour and 50 minutes to get a live person on the phone to take my complaint. They did not send me the dispute forms until XXXX XXXX. I immediately filled them out and sent them back certified mail. I then tried to call direct express to check on a status and was on hold for 2 hours and 35 minutes before I got a human on the phone. I am XXXX and it is extremely difficult to hold a phone. And I had to wait all of that time. After I got someone on the phone I explained that I needed to make sure they actually investigated my dispute because XXXX has a habit of unauthorized charges and then I had to go through XXXX to get credited or they would charge for items that I cancelled or they cancelled because they were out of stock or I never received. So, it's important that direct express actually investigate instead of just taking their word. They fraudulently backcharge my card for {$620.00} dollars. That was my rent money. Well the customer service rep tried to argue that they hadn't gotten my dispute form in time so I would receive the provisional credit. I told him I sent it certified mail so I knew they did get it. Then his story changed and he said he found it and I would get my provisional credit on XX/XX/XXXX. Well I never got it. I called direct express again and after a long wait once again I was upset and told the woman they lied about the credit and the woman told me to go XXXX myself and hung up on me. I've had it. I want my money back. I have a right to be protected from fraud that XXXX constantly has a problem with. I should not have to wait hours on the phone to speak to a human. Covid or no covid they should have customer service agents helping their customers. I have spoken to, other XXXX people who get their benefits the same way in direct express and they have the same problem. Direct express never truly investigates fraud and never refunds money. I feel like they purposefully make it impossible to readily get a customer service agent on the phone so XXXX people give up and end up victims if fraud with no help from direct express.
Consumer complaint received 2020-11-14
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)

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00XXXX XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX|Date of Inquiry XXXX XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (TX)

Opened XX/XX/2019 Balance {$730.00} Company : XXXX XXXX XXXX XXXX  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 a account without my written instructions
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police report.
Consumer complaint received 2020-10-09
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: Lending Club Corp (MA)

Hi and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Since XXXX I had made payment arrangements with the company credit acceptance for my car payment. 
The payment arrangements were considered as to breaking initial payment arrangement which was initial car payment regardless of the on time in full payments that were made due to the payment arrangements created the company has shown late or no payment for almost 2 years and has resulted in damaging my credit and ruining any possibility of me moving ahead. 
The company overcharged me on the XXXX to begin with extremely high interest and one of the few companies that took no regard to the pandemic and in a time or parallel left people with no options.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

I have loan that was closed by Exeter finance i was in jail and this finance company 's collection agency filed fraudulent judgements saying they served me but i was incarcerated and no one in my family ever heard from exeter finance nor collections agency. I sent demand letter to exeter finance collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (FL)

On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2023-01-18
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. (IN)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

Amerifinancial Solutions is reporting multiple medical accounts on my credit reports. I have tried disputing and getting this company to validate these accounts that I have no knowledge of. I have never allowed Amerifinancial Solutions to have access to my medical records. Thats is a HIPAA LAW violation, you should not have any of my medical records or personal identification. You can not validate this to me and all of these accounts need to be removed from my credit reports.
Consumer complaint received 2022-09-10
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. (IL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by Discover Financial Services was opened last XX/XX/2019 without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by Discover on XXXX.I disputed the account last XXXX XXXX. Per Discover report to XXXX the account was accurate.However I never applied nor authorized anybody to open an account with Discover. I do not have or have had any account with Discover.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . XXXX.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Placed a charge on my Synchrony credit card ( about XXXX dollars ) with the agreement that I would have one year interest free to pay off the debt. Before the year was over, the company hit me with a XXXX $ interest fee and has given me several penalties for late payments. 
This company has never once sent me a statement and I have been locked out of my online account until now. 
The debt would have been paid off within the year without these excessive charges. 
The company is claiming they have the right to levy the interest charge and late payment fees due to a late payment. Yet, as I previously stated, this company has not sent me a single statement. 
On a side note, the ability of any creditor to charge 25 % interest should be criminal!
Consumer complaint received 2020-10-09
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. (GA)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Consumer complaint received 2022-09-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Received a credit monitoring notification on XX/XX/XXXX that a credit card had been opened in my name with Bank of America. I marked it as fraudulent with XXXX. 

On XX/XX/XXXX I received a credit card from Bank of America in the mail. I contacted Bank of America by phone to close the account. There was a follow up call with the bank the following day to retrieve some more information.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Gotmortgage.com (CA)

I was introduced to XXXX XXXX by a realtor by the name of XXXX XXXX. She stated she could assist me with my credit. XXXX who is a loan officer advised she charges {$2500.00} and that is what I paid. Well nothing happened. I waited months for results and didnt receive them. I requested a refund which was agreed upon and nothing. I have text messages and emails requesting my money back and nothing. On XX/XX/2022 I received a text that my refund will be mailed and I provided the address. Nothing has been received. I would like my {$2500.00} back.