davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

XXXX  XXXX has added derogatory information to my personal credit report, and They've failed to remove the information from my credit files after multiple letters asking them to verify the debt with a contract bearing my signature to validate the debt belongs to me. The initial letter was to ERC XXXX. XXXX XXXX XXXX, FL XXXX which is the same mailing address as XXXX  XXXX for the same debt ( company name changed ). I certified and returned receipt all letters via XXXX. The first letter sent XX/XX/XXXX, XX/XX/XXXX The information was also sent to XXXX, XXXX, and XXXX to be verified in accordance to the laws outlined by the Fair Credit Reporting Act. 

ERC now XXXX  XXXX deleted the item, and then renamed its business to add the account back to credit file.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (LA)

I am a military service member and customer of the Military Star Card exchange credit program. I am stationed in Louisiana and by law under the Louisiana Servicemember Civil Relief Act law RS 29:312, they may only charge me at a maximum interest rate of 6 % while stationed here. Military Star Card has been charging me 11.99-12.49 % and I have been in Louisiana since XXXX XXXX, XXXX. They were notified and they refunded me interest over 6 % in the total of {$200.00} from XXXX of XXXX until XXXX of XXXX and then they put me back at 11.99 % APR. They were supposed to refund all the way back to XXXX of XXXX and leave me at 6 % APR until I transfer from Louisiana to another base in XXXX of XXXX when my orders are up for rotation. Military Star Card attributed it to saying that under the XXXX system I am listed working for the XXXX XXXX. That is correct, but I am not a XXXX  XXXX who only works one weekend a month and two weeks a year. I work 365 days a year and train XXXX when they are on orders or drills. The XXXX XXXX is made up of different departments. One of those is FTS ( Full Time Support ) which used to be known as TAR ( Training and Administration of Reserves ). Our department has the same retirement and benefits as the XXXX XXXX XXXX. On XXXX reports it shows me as being under the XXXX XXXX but under my ACTIVE Status it states " Still Serving ''. I provided Military Star Card with copies of my orders to Louisiana that shows my report date and next PRD ( Periodic Rotation Date ) plus my leave and earnings statement showing what zip code I am stationed at and that I am active and I also sent them a copy of the Louisiana SCRA. They are still refusing to comply and are in violation of LA law. I am disappointed that a company that deals explicitly with military members has such low regard for our well being and compliance with our benefits. How many others have similar state and federal benefits that are not being complied with? How much money has MSC overcharge these service members?
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

I submitted a PMI removal request to my servicer ( Flagstar ) on XX/XX/XXXX. They have failed to take action on it as of XX/XX/XXXX. I have contacted them multiple times attempting to get them to do their job. 

I believe they are stalling so that they can cheat me out of additional PMI payments. 

Flagstar continues to stall by saying the request will be reviewed in 24-48 hours, and then not taking action.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 168
1b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2019-04-08
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX SYNCB CARE CREDIT received a letter disputing the account they were reporting on my credit report. ( Please see " SYNCB/Care Credit Letter 1.pdf '' and Screen Shoot For " SYNCB/Care Credit - Delivery 1.png and " SYNCB/Care Credit - SIgned 1.pdf '' ) I know that SYNCB CARE CREDIT had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report. 

30 days after XX/XX/XXXX I checked my credit report and SYNCB CARE CREDIT Failed to place a " Notice of Dispute '' on my account. 

XX/XX/XXXX, I sent a follow-up letter to SYNCB CARE CREDIT. ( please see " SYNCB/CARE CREDIT Letter 2.pdf '' and " SYNCB/CARE CREDIT - Delivery 2.png and " SYNCB/CARE CREDIT - SIgned 2.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period.

Additionally, I've added signed copies from SYNCB CARE CREDIT proving they not only got the letters but also signed off on the letters. 

Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " SYNCB XX/XX/XXXX '' png
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

A few weeks ago, I remitted a payment to XXXX XXXX XXXX for a minimum payment of {$180.00} dollars which was submitted on my due by date of XX/XX/19. The payment was an on time payment, and wasn't late. Two days prior, I made a deposit at bank with my paycheck of a large sum of money, and later found out that my check was coded incorrectly while depositing it. The paycheck wasn't clear to deposited into my account on time due to a banking era, which was caused by mishandeling the check improperly at bank. It caused my payment at XXXX XXXX XXXX alone with some other payments I had made, to return as insufficient funds on all my accounts I had paid out. I put the funds into the bank in good faith to have my bills paid on time. After I found out some days later, that the bill wasn't paid, I went to the XXXX Store here in XXXX XXXX, Mo. to pay in person and instead of paying the minimum payment, I paid {$1900.00} dollars on the account to get caught up. Two days after I paid {$1900.00} dollars, XXXX closed my account and gave me a thirty day late payment on my credit file. I've had this account for over two years with no thirty day late payments. Not Even One ... I pay my bills on time. It's not my fault the bank made an era on their part. I would like to have this late payment removed and my account restored.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse information.
Consumer complaint received 2019-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

On XX/XX/XXXX, I wrote to Phoenix Financial Service regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1900.00} and mailed it by certified delivery via USPS. Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files. 

Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.
Consumer complaint received 2019-04-08
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. (MS)

INQUIRIES / Hard pulls/Negative Also without my permission from XXXX XXXX on XXXX XXXX and Equifax XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-08
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. (WA)

Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly.  On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus   requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.
Consumer complaint received 2019-04-07
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, Experian as a credit card, and XXXX is reporting no account type. XXXX is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and experian is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX experian is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, Experian is reporting it as {$0.00}, and XXXX is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.
Consumer complaint received 2021-05-22
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: LEXISNEXIS (NY)

I made a CFPB report a couple of months ago about Lexisnexis violating mhy privacy i feel like my patience its been taking advantage of my request was ignored i feel like i am being taking as a joke. I am well aware of my rights as a federally protected consumer and before i am trying to get the issue resolved outside of the courts but if i continue to be ignored i will have my FCRA lawyer file a suit. As a federally protected consumer i have a right to privacy i never gave you written consent to furnish any report on my behalf no consent is identity theft that is a serious crime i want the bankruptcy removed from all my consumer reports
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2019-10-02
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$7700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-04-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Back in XXXX of XXXX, I was in a car accident that was not any fault of my own, but it totaled my XXXX XXXX XXXX. I was financed with huntingon bank, I immediately called insurance got a claim started that night - insurance and gap got started paying it off and started communications with Huntington bank to get the card fully paid off, in the mean time, I had to finalize my divorce and was changing jobs - but was able to go get a new lease for a lower payment on another XXXX. Insurance and gap and I were all communicating, along with Huntington to ensure it was all paid off. From what I understood gap was covering the rest of the finances amount, so it was all to be paid off. Well I got a call from Huntington about a balance, I called insurance and gap and they said they would communicate with them to get it paid and for me not to worry about it. 

Well then I get a 30 day report showing from them on my credit for {$450.00} - meanwhile Im a newly divorced single mother trying to sell my house and get a new home that is within the mile distance allowed from my ex husband. That tanked my credit and put me under qualifying. I called them to see what happened and they said gap had sent in the payment late but it didnt cover {$450.00}, and then they told me as of the day i called, XX/XX/XXXX i believe, that I was 60 days late. 

Now I know {$450.00} doesnt sound like a lot But when you are newly divorced, now make $ XXXX and not your salary you were used to AND youre having to move, and a mom paying expenses for kids - {$450.00} is a lot. 
I asked to do a payment plan, or have a rewrite - they denied me and started having condescending tones asking me what changed and why couldnt I pay all the sudden, and that gap had not covered it for the total loss car for this amount and it was left to me. They told me I could make small payments, but they would consistently report me late. 
I let them know I wasnt even aware this was a balance left, & gap & insurance told me stop communicating with them because they were handling it. 
I ended up having to pull favors from friends to rally the money to pay them and begged them not to report me 60 days late. 


******I asked since I wasnt aware could it be removed from my credit for the delinquency - they were making or breaking me being able to move where I am supposed to near my ex husband- they wouldnt budge, wouldnt even discuss the idea. But how can I be penalized for something I thought was handled and then still gathered the funds to handle it anyways? 
I do not understand - ****all I want is the delinquency removed from my credit - Ive paid them, I just want the delinquency removed. I need my credit to be clear of that to be able to get my obligations on track, I have an amazing credit history - my only issue is high credit card balances because Im a broke single mom.
Consumer complaint received 2019-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX sold this account to XXXX XXXX which are 2 accounts that does not belong to me. I called XXXX only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is these accounts not mine but XXXX XXXX is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX and XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved. I have been living at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX for decades until moving to XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XX/XX/2017 to present.
Consumer complaint received 2019-04-07
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: Experian Information Solutions Inc. (NY)

I had disputed a remark that was on my XXXX credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again XXXX  has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX XXXX XXXX months ago.i dont no why XXXX  put this remark back on my report. This is wrong information.