davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NC)

Date of Occurance : XX/XX/2020 Times of Phone Calls : Call 1 : XXXX XXXX eastern standard time Call 2 : XXXX XXXX eastern standard time Date of both calls : XX/XX/2020 Violation of FDCPA Subsection 806 article 5. 

Second Violation : Article 6 : Failure to give meaning disclosure about the nature of the call. 

Description : Agent failed to identify themselves and their purpose unless it was me personally and even then failed to until I confirmed who I was. Didn't even say something as simple as a debt collection attempt.
Consumer complaint received 2022-12-09
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. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TN)

My home was appraised two years ago for {$250000.00} and my tax appraisal is {$240000.00} and is based on a XXXX so its about 30 % lower than the actual value. I applied for a refinance with my current lenders XXXX US Bank XXXX mortgage department who kept sending me advertisements in the mail and they arranged for a man to appraise my home. The first phone call he was very rude, short with me and he wasnt helpful or friendly at all. He told me he had one time and that was it so I took that time to have the appraisal. When he got here I tried to talk to him and he basically told me to be quiet and go in the house and he would let me know when he was ready to come inside. I tried to talk to him several times and he refused to even acknowledge that I was there. He didnt let me tell me him about my property about any upgrades nothing. Then he came back with an appraisal in this housing market that was less than my appraisal from two years ago. He didnt get the square foot correct and made numerous other errors. He compared my home in the comparisons to a an 800 square-foot house with more acreage but all wooded and he wouldnt reconsider even when I sent him more comparable comps. My home is almost XXXX square feet and is fenced and cross fenced and has 11 horse stables and a huge indoor riding arena. It also has an indoor pool with a building larger than my home that he said had no value. The 800 square foot home sold for {$320000.00}. I told the bank right after he left of my belief he was XXXX  and XXXX against a person of XXXX with the bank. I think he saw I was a person of XXXX and therefore lowballed me on my refinance. The bank said they tried to get him to reconsider and he wouldnt and I can not believe that they would allow that to happen in this day and time.
Consumer complaint received 2022-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX has removed two falsely reported late payments that are still showing up on my XXXX and XXXX reports, despite many attempts to correct the issue. Please see attached documentation.
Consumer complaint received 2021-02-03
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: AMERICAN EXPRESS COMPANY (DC)

I am a single mom with XXXX kids who suffered extreme XXXX XXXX XXXX XXXX by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- Mr. XXXX however , they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Credit Acceptance, LLC (FL)

I had a car loan in XXXX, or XXXX from American credit acceptance and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-07-14
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. (PA)

I mailed a dispute letter to XXXX on XX/XX/21. They have not provided me a response to date. 
Federal Law says they have 30 days to perform an investigation or the information shall be deleted. They have not provided me with a response to my letter yet.

Additionally, FCRA 15 USC 1681a ( d ) ( 2 ) ( B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from credit reports.

FCRA 15 USC 1602 states credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit.

My social security card has been used and shall be excluded from my credit report according to the stated laws.

Equifax is also violating my rights to privacy according to FCRA 15 USC 1681 ( a ) ( 4 ) which states the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy I am requesting that this credit reporting agency respect my right to privacy and delete these accounts
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

on XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX I am writing to dispute a fraudulent account on my credit report that resulted from identity theft. I discovered this account while reviewing my credit report and immediately recognized it as unauthorized. 

I have taken steps to address this issue, including filing a police report and submitting an identity theft affidavit. Despite these efforts, the fraudulent account remains active on my report. I have reached out to the creditor and the credit bureaus multiple times, but the account has not been removed.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (FL)

Hi, I cosigned for a student loan with my father in XXXX ( yes, nearly 20 years ago ) which now shows as Navient ( it may have been Sallie Mae at the time ). This has recently ( this month ) shown up on my report for the first time dropping my score by over XXXX pts. This account is far too old to be on the report ; i have disputed w/ all 3 bureau and nothing has happened to removed them ; they were thus far both completed and did not change nor was the mark removed ( account ). My father had this removed in XXXX and i am kindly asking that mine is removed as well as soon as possible. Thank you so much for your help. I'm not where else I can go for this.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MN)

I used Care Credit to pay for my XXXX  XXXX in XX/XX/2022. It was a 2 year payment plan with no interest and I have been paying the monthly payments with autopay. I had a balance of {$1100.00} in XX/XX/2022. On XX/XX/XXXX, they charged me {$1200.00} in interest alone as soon as the 2 year mark was reached. The interest rate is more than 100 %. When I called, they refused to waive this interest even after I offered to pay my balance in full. For a credit card company that is for XXXX, this is outrageous, and they did not even alert me about this prior. How do you charge someone more interest than their account balance? This is very unethical and will bring financial hardship on my family. I would be grateful if you can help me with this. 

Thank you,
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

Hi I deposited a check on XX/XX/2022, I've got a notice that my funds will be available until the XXXX of that XXXX. We'll I also got a email saying that they got confidential information saying that the check might not have funds. I called and complained bout that. I told them I would be cashing check which was something I know we can no longer do since it is signed already but I told them that. Then I asked my uncle for a loan since I had that hold, he gave me an old check he had been wanting to deposit for some insurance claim of himself. Well that was a good old check but withing the expiration dates. But soon after that deposit I had my online access blocked and said that my account will be closed after investigation itll take approximately 30 to 60 days but I on my daily notification of my daily balance which I'm still getting for checks have been cleared and they are both available for withdrawal but bank won't let me I need to pay my mortgage asap
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 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 a account without my written instructions
Consumer complaint received 2022-04-22
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX  Account XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

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 604 A Section 2. Also states a consumer reporting agency can not furnish an account with out my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANDY SPRING BANCORP, INC. (PA)

Opened a sandy spring bank my free banking account on XX/XX/2022 with an opening deposit of {$100.00} and enrolled in online access. I was called on XX/XX/2022 saying the account was being locked on suspicion of fraud. Online access was suspended. In mid XX/XX/2022 I called again about either unlocking my online account or how my {$100.00} was going to be returned. I was told my account would be auto-closed on XX/XX/2022 and that I would be mailed a check. It is now XX/XX/2022 and I called again as a check should have been here by now. I was told the account was still open and that the {$100.00} was still there and that I would have to come into a branch. A branch is XXXX hours away, this is not acceptable. I have offered to provide any documentation they need to confirm my identity.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

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 604 A Section 2. Also states a consumer reporting agency can not furnish an account with out my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-12-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NY)

XXXX has placed a fraud hold on a gift card I received. I am unable to lift the hold with the customer service rep or online. When I enter the info required it resets the webpage. Customer service keeps directing me to the website. Endless loop.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank closed an account of mine without any prior notification, and have negatively affected my credit. 

I have several relationships with Synchrony Bank, and have been a customer for over 10 years. I got a notification this morning from XXXX XXXX that one of my account was closed. In checking, I noticed Synchrony had closed my XXXX XXXX line of credit because it's been 3 years since I used the account. Why I am filing a complaint is because they closed this account without any prior written or verbal communication to me in that regard. When I contacted them, they informed me they would not be able to open the account again, and if I wanted a new account I would have to apply. I've had this account open for 7 years, and have never missed a payment. They just recently even increased my limit. It isn't typical that car tires are replaced but every 4 years. By them closing the account it has affected my average age of credit and lowered my credit score. If I apply for a new account, it will only further lower my credit score, this was a horrible experience, and it's extremely unprofessional. If it was a matter of me using the card then you should have sent me a notice, and I would have happily used the card to keep the account active.
Consumer complaint received 2021-11-09
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. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.