davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
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. (FL)

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXXXXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I am a first time customer with Citi Cards since XX/XX/2019 to which I accepted a Credit Card offer from Citi Cards and they stated on the letter offering I would be 0 % APR for the first 18 months. However that has totally NOT been the case at all as a matter of fact when I tried to contact them about the issue they stated they did not have that information anywhere and did Not help me further, I ended finding out about the interest rate when I received my first credit card statement and was completely in shock of the Interest Fees being applied. If I would've know about the card not offering that offer I would have NEVER accepted it. On top of that I have contacted them twice about Help I've needed during these unprecedented times of Covid-19 and yet they have continued to charge me high interest monthly rates of {$100.00} knowing very well I have been laid off since XXXX because of the Pandemic. This is absolutely insane and ridiculous they would operate in this matter when we are facing a worldwide pandemic. I have NEVER dealt with such company that tricks you with Lies, absolutely disgusting how they are Not helping their consumers!
Consumer complaint received 2021-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-20
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: DISCOVER BANK (VA)

On XX/XX/XXXX at XXXX am I made an online order for pizza for around {$100.00}. Discover Card declined the transaction and made me 'verify ' the purchase through email. Discover is comprimising the security of my account making me unable to use my card for legal purchases without the use of the internet and a computer and an email or a telephone service. I have 60 days under XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX to dispute a fraudelent credit card charge yet Discover requires me to reverify a purchase within XXXX seconds. It is an unfair burden of my time and resources to make transactions, further to use this card the consumer has to have access to expensive resources such as : internet, email, phone, from other parties not associated with the account and for which the consumer has no control over. Technology is supposed to make life easier, not more complicated. Computers are supposed to serve humanity, humans do not need to submit to robot masters or algorithms to interact with each other.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Mortgage was taken over by NewRez in XX/XX/XXXX. I have no escrow account as I pay my taxes and insurance myself. 
In XX/XX/XXXX, I switched insurance companies. NewRez asked for the new policy info. It was provided to them by the insurance agent but they showed no record so we resubmitted it in XXXX and they acknowledged receipt. 
In XX/XX/XXXX, I received correspondence stating that they are creating an escrow account for lender-placed insurance due to their records showing no insurance. I figured they were behind in updating their records so I waited another couple of months. I received another notice in XXXX and decided to send them an email on XX/XX/XXXX asking them to re-check their records because the policy info had already been submitted twice. 
In XX/XX/XXXX, I started receiving letters stating my mortgage payments were past due. I have my payments set up via billpay for the bank to automatically pay every month. I double checked my account and saw the payments were still going out on time as scheduled. I called NewRez on XX/XX/XXXX and had the rep verify that payment was received. He confirmed it and also showed that I make my own insurance payments. I hung up feeling like I finally got resolution. 
In XX/XX/XXXX, I received a letter stating that we are behind on our mortgage payments and credit bureaus have been notified of my and my husband 's non-payments. Letter also mentioned they will begin foreclosure. Upon receipt of the letter, I emailed XXXX ( mortgage servicer ) asking for an explanation. I contacted the Consumer Federal Protection to  file a report. This requires NewRez to respond. In their response, they explained they did not have proof of insurance from XX/XX/XXXX - this was when they took over my mortgage from another company and should have received that info from the previous mortgage company. They also explained the reason my mortgage payments are not current is because they have been applying my payments to the lender placed policy ( which costs {$8300.00} per year ) they started for me. They asked that I send proof of insurance from XX/XX/XXXX to XXXX which I did immediately and also asked for confirmation that my records are updated. I received no response. 
In XX/XX/XXXX, I received a statement saying my loan is in default due to no payment. I called to find out about the insurance docs I sent and they explained that I should have sent docs to XXXX and that I should call back in a couple days for confirmation of receipt. I called back in a couple days and was told I need to wait for a letter. 
Clearly NewRez and the mortgage servicer Shellpoint Mortgage   are not in sync with their accounts or communications. I will be filing another complaint with the Consumer Federal Protection Bureau.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (NC)

Jered account # XXXX is reporting still that I was late on making a payment and informed me over two years ago that they were going to correct it and report it. The account show one late payment still as of today.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I am a XXXX XXXX XXXX XXXX and sole proprietor. NFCU denied my request to open a business banking. Due to being denied, I continued to get paid via ACH transactions. I qualified for PAyroll protection program through XXXX and in order to have a separate account to monitor the spending, I had the money to be sent to my checking account XX/XX/2020. A week later, they froze all of my accounts and credit cards and refuse to release my funds. In order to get forgiveness I needed to use the funding in 8 weeks on eligible expenses ... Im in week 4. Im submitted an appeal, called and sent messages and they have yet to unfreeze my account. Apparently, NFCU has done this to many of 1099 XXXX XXXX   who do not have a business account with them. This isnt fair! I havent even been able to pay my monthly bills!
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NV)

This collection company is lying that they contacted me via mail. I have never received anything from them. If I did i would definitely reach out to resolve the debt as I am in the process of trying to buy a home. They use this tactic of reporting to bureau before contacting you as they know they will definitely get your attention and response quickly. I will attach a bill from XXXX, now that I know who this debt collection is from and it will show that they did not have this debt in their possession back in XXXX as they stated. I was still receiving a bill from XXXX. As I stated above this debt collection did not contact me!
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (MA)

Dynamic Recovery Solutions of XX/XX/XXXX, SC has been attempting to collect a debt from me since XX/XX/XXXX. I disputed the debt in XX/XX/XXXX, and shortly thereafter requested that they cease contact with me. They resumed near daily contact win XX/XX/XXXX. I again requested that they not contact me. This week I have received a mailing and two phone calls from Dynamic Recovery Solutions. I do not wish to be contacted again.
Consumer complaint received 2021-05-20
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: CITIBANK, N.A. (PA)

XX/XX/2021 Complaint and request : for assistance to reconcile an incorrect matter with Citibank NA Requesting specific statements in writing Hello, I am requesting assistance to have an old matter with Citibank resolved. Please note Citibank does not have current information and is ruining my credit worthiness due to improper recordkeeping. 

Please note, I am submitting a second and different complaint with reference to CITI NA. On XX/XX/XXXX I submitted an original complaint and they responded with a letter. The letter is not thorough and does not include the information I requested to reflect the accounting and my credit worthiness accurately. I have included a copy of the letter they sent me on XX/XX/2021 

This letter states that they will remove the Citibank account card number XXXX from all three credit bureaus including XXXX XXXX XXXX and XXXX 

This letter does not address the fact that I asked for the inquiry from Citibank that is on my credit on XX/XX/2021 to be removed from my credit report. I was denied credit by CITI because of back errored accounting. Theyre ruining my credit and I want this credit inquiry off of my credit. Another credit card I hold with another bank lowered my credit limit due to this inquiry. 

I am here by requesting that Citibank sends me in writing : 1. Stating that they will be removing the credit inquiry fromXX/XX/2021 from all three bureaus on my credit report. 

2. Stating that the account number XXXX, is closed, paid as agreed, in full, with a zero balance. 

I have paid this account off over two years ago and I have been harassed by CITI NA and collection agencies, for money owed, and I have repeatedly disputed it and requested in writing confirmation and validation of when and how much I owe money for because I have bank statements showing all of my payments coming out. I have not received verification of what I requested. I have received documentation from collection agencies and from CITI NA that do not reference or verify or prove that I owe money. Im requesting this is completely removed from my credit history. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2021-05-08
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. (MA)

Hi and how are you doing? 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 2021-11-20
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: PNC Bank N.A. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In accordance with The Fair Credit Reporting Act, the list of accounts below have violated my federally protected rights to privacy & confidentiality under 15 U.S.C. 1681. 
I requested that XXXX, XXXX, and Experian to investigate the following accounts : XXXX XXXX Card- Account # XXXX ( {$210.00} ), XXXX Account # XXXX ( {$3700.00} ), XXXX XXXX- Account # XXXX ( {$1000.00} ), XXXX - Account # XXXX ( {$4200.00} ), XXXX - Account XXXX XXXX ( {$3700.00} ), XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX ( {$1200.00} ), XXXX XXXXXXXX XXXX - Account # XXXX ( {$460.00} ), XXXX XXXXXXXX XXXX - Account # XXXX XXXX {$9600.00} ), XXXX XXXX - Account # XXXX ( {$7400.00} ). 
All three consumer reporting agencies stated that everything was complete and accurate, but I have evidence from Identity IQ that almost every open date, date of last activity, balances and so much more are completely inaccurate. I have provided documentation from Identity IQ Credit Reporting- revealing all incorrect reports. According to 15 U.S.C. 1681i ( 5 ) The Bureau 's ' are supposed to modify or delete accounts that are not reported correctly.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2020-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I have been dealing with XXXX XXXX for several months now on this issue of early termination fee. I originally had a balance of {$360.00} with them in XXXX of which I paid XXXX to in XXXX. On XX/XX/XXXX I made a payment of {$100.00} and again they said that was fine and no we will not send to collections due to the COVID and they were told it should be paid off at the end of the month of XXXX if not sooner since I am working again. They sent my debt to collections even after 2 managers and a fraud specialist reassured me they would not. The day they sent it to collections according to XXXX  was XX/XX/XXXX. The debt reported was XXXX in which that is also false. It is only {$200.00}. Please can you help me with how I should proceed. The company has deceived me entirely on this matter and was less then helpful. When I call the collection company nobody answers. 
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX.
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Avant Holding Company, Inc. (OK)

On XX/XX/XXXX Avant credit took {$1100.00} out of my bank account without my permission for a monthly installment fee that was set up in the amount of {$380.00} to be taken out the first of each month. When I called them about the extra {$800.00} they took out they assured me that they would refund me the money but, it would take weeks for me to receive the refund. 10 days later on XX/XX/XXXX I called to see where we were in the refund process as I had incurred financial difficulties as a result of them taking {$1200.00} out of my account. At that time they told me they had not processed any refund. I was assured at that time that they would be processing my refund for {$800.00}. Today I received an email that they were only going to send me a refund of {$400.00}. When I called them about this they told me they were going to take an extra payment out next month as well. My account has not been late XXXX day nor do I even have a payment due yet and they informed me they were going to take another {$400.00} out on the XXXX and not be refunding me the money they took out last month that was over and beyond my scheduled monthly payment.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX  XX/XX/2020