davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AK)

XXXX - XXXX XXXX is reporting late payments as well as delinquencies when it comes up on my credit bureau 's. This account was paid in full XXXX year before the loan length. I should show a " XXXX '' balance paid as agreed but they continue to report late payments. 
As per your rules XXXX I have never been given an opt-out notice nor have they followed Title 15 chapter 94 Commerce and trade Subchapter Sec. 6802- obligation with respect to disclosures of personal information. They never supplied section 6803 as prescribed under section 6804. I am asking for a complete removal of this reporting to all credit bureaus.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXXXXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXXXXXX XXXX Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHECKredi of Kentucky, LLC (TX)

In XXXX and XXXX, my XXXX XXXX XXXX account was compromised by fraud. It took me over a month to get everything settled and the account properly closed with them. In the middle of that, I had used a XXXX gas reward card that debits from this account. The funds were declined because all transactions had been placed on a security hold. When this card issued by XXXX is refused, it immediately goes to a XXXX company called Checkredi of Kentucky for collections. I was finally able to settle this account on XX/XX/XXXX and gave them my new bank info. They released the hold on my card and I was allowed to use it again. I used it on XX/XX/XXXX and purchased gas. I received an email on XX/XX/XXXX that the funds did not go through. I contacted Checkredi and discovered that they still had the account tied to the closed XXXX XXXX account and had NOT updated it. I have paid them the {$58.00} that was owed for the gas. I also contacted XXXX for help and they made sure that the account was updated and corrected. But Checkredi REFUSES to waive the {$30.00} fee that they charged in this matter. I do not feel I should have to pay this in this instance. I thought when they deducted money from the correct account on XX/XX/XXXX that it was updated. Then I find out later that it was not. And when I contact them, whichever person I am speaking to asks as if I am personally blaming them. Or they want to point fingers at XXXX or stand on their laurels that they are within their rights to charge NSF fees in their state. They do not even listen to the extenuating circumstances on this matter. 

Please intercede on my behalf.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (MD)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION (KS)

My father and I tried to purchase a car from a dealership called XXXX XXXX in XXXX, FL. I had to get a loan through a bank to help with the purchase of a car and the guy from the dealership told me that I got accepted for a monthly payment of {$380.00}. My father was living closer by the dealership at the time. So he went there to make all of those payments such as the down payment and whatever other fees that needed to be taken care of. I was in Kansas at the time so when it was time to sign the contracts it had to be done by mail. The guy from the dealership sent me the links through email to print out and sign to send it back. I never got anything reported to my credit account until XXXX month later when the dealership received it. By the time the contract reached the bank and my first actual statement came in that was when I realized that something was wrong. I contacted the bank and asked them to send a copy of the contract they received from the dealership. When I received it I noticed it was a completely different contract with a completely different price and the dealership forged my signature on that new contract. I have tried to report it to both companies the dealership and bank, XXXX months have passed and no one is doing anything about it. I contacted the bank to see if there was anything they can do to help and they said all they can do is file a report and go from there. The bank i am financing through is called Lobel Financial. They still forced me to make those payments by threatening to repossess my car. So in order to make sure that doesnt happen I made those payments for the car. After I made my first actual payment they decided to report to my credit account as a delinquent account literally the day after i made the payment. A couple days later i pay the rest of the amount that was owed on the account. And the day after i completely pay off what I owe they decided to repossess my car with no warning. On XX/XX/2023 when I made the first payment it was over the phone with the bank and the guy I was on the phone with told me that they canceled the repossession and that I had until XX/XX/XXXX to pay the rest before they go and try to repossess the car. Then 4 days later on XXXX XXXX I paid the rest that I owed. I got both confirmation emails from both payments saying how they were approved. Then on XX/XX/XXXX around XXXX they repossess my car with no warning and no reason why. I tried calling them but they do not pick up the phone. Now I have to wait all weekend to contact the bank since they are closed on the weekends and try to get my car back. I have text messages, receipts, and statements to prove all of this is fraud.
Consumer complaint received 2022-07-15
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. (MD)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior 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 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After carefully reviewing my credit file. I am concerned with some items you are reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, etc. Please correct these inaccuracies or remove this account from my credit report.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (MN)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized 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 XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (MN)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX US SM BUS ADMIN DA Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I requested to have my account ( XXXX XXXX ) closed in XXXX. After checking in XXXX, the account was open. I chatted to XXXX, who assured me that the account was closed. Today, XX/XX/XXXX, I received a letter from HSBC that my account was being transferred to XXXX XXXX, whoever that company is. 
I spoke with XXXX at XXXX, who said that the account was closed, but the account number takes six months to drop off the website (? ) and that I received the letter in error. This is wildly suspicious.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (OH)

On XX/XX/XXXX I proceeded to add {$400.00} to my Revolut account via a debit card. After doing so I proceeded to close my account associated with my debit card. The reason for loading the funds was to drain my account so I could close it. I also promptly destroyed the debit card for security concerns. After closing the account where the funds originated, I no longer have online access which means I can not retrieve any documentation. 

On XX/XX/XXXX I proceeded to attempt to withdraw the money to my main bank account ( XXXX XXXX ) in order to pay some credit card bills. The withdrawal was sent back to Revolut. I logged back into Revolut and attempted a payment and that was denied as well. 

My account is currently locked as Revolut is seeking a picture of my now destroyed debit card. Obviously I can not provide this. I have explained this several times. I am happy to provide means of proof of my identity. I have offered to simply just let me pull the money out and they can close my account ( it's only {$400.00} ). I have even offered to have the funds sent back to original destination and I would have to deal with retrieving the funds from the original bank, which I am sure won't be easy. All of these offers have been declined and they are still asking for a picture of my destroyed debit card. I destroy financial information by burning it. I can not get that back. 

As it stands my funds are essentially locked forever as I can't unburn a debit card. This is unacceptable. There has to be another means of retrieving my funds but they are refusing to work with me on an alternative.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc. (CA)

This complaint shall serve as an addendum to previous claim against another collection company " XXXX XXXX XXXX '' for XXXX XXXX XXXX File number XXXX I would like to dispute this debt under the " No Surprise Medical Debt Act '' I went to the XXXX XXXX XXXX XXXXXXXX  at the early onset of XXXX not know what was the matter. I was covered under my XXXX  XXXX XXXX from my previous employer. I was laid off at the time because our office closed down in fear of the spread of XXXX. I was treated and released the same night, It turns out I had XXXX XXXX? they gave me an XXXX and a prescription for XXXX XXXX.. which was {$120.00} dollars by itself. The XXXX was kind and had mercy on me and only gave me XXXX of the XXXX XXXX they prescribed based on the XXXX XXXX XXXX XXXX and charged me {$20.00} bucks. 

NO ONE EVER CONSULTED WITH MY ABOUT MY OPTIONS? 
for treatment, I was in so much pain, I was crawling on the XXXX XXXX, a nurse came in after I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They could have given me the script for a XXXX XXXX and a script for XXXX to allow my to pass it on my own. The bill would have been XXXX of {$400.00} dollars. 

What they did instead was have me sign all these forms while I was in excruciating pain, proceed to give me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the tune of {$5000.00} for a XXXX XXXX XXXX. What they did was inhuman. To Surprise me with that bill after care, that should not have cost more than {$500.00} dollars in total. XXXX took total advantage of me. 


This debt was a TOTAL SURPRISE, In that I thought I was covered or I would have never went to the XXXX, in addition to this NO one on the staff ever told me what the charges may be else I would have NEVER submitted to any treatment as a single, laid off woman. 

This kind of Surprise Billing in not only unfair but unkind. Now thanks to the " no Surprise Medical Debt act '' it is now UNLAWFUL. I pay my bills, I never extend myself further than my reach. Because of this debt being reported to the credit bureaus it has negatively impacted my otherwise good credit rating. Please help me by making them remove this debt. Please and thank you. 

XXXX XXXX
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (NV)

ATTENTION TO XXXX XXXX BANK. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account previously from my file as the amount of {$2100.00} does not belong to me although it seems to still be reporting This account was fraudulently opened through this company XXXX XXXX BANK in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2022-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Deinde Online Services, LLC (FL)

Integra Credit is misleading their consumers and abusing the credit system. I first reported their misconduct in XX/XX/XXXX for credit inquires and a lack of properly reporting my accounts to credit bureaus. Their website FAQ section states they only do a soft pull during the application process, however, with each application I completed, a hard inquiry was placed on my credit report. During XX/XX/XXXX, each inquiry was removed from my report. 
Integra has yet to report my 1st loan payment history although they advised on several occasions they do monthly credit reporting. 
I opened a 2nd loan with Integra in XX/XX/XXXX and during XX/XX/XXXX I called for assistance due to financial hardship caused by XXXX. I was placed in a Financial Hardship Program that postpones the payment due and stops collection activity for a period of 14 daysXXXX I entered into this program on XX/XX/XXXX and the status of my account changed immediately as per the email I received and my conversation with the representative. Despite this program, I noticed today that my loan account was reported delinquent on XX/XX/XXXX with no other payment history reported.
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FC HoldCo LLC (GA)

I bought a vehicle with XXXX XXXX XXXX XXXX and given Predatory Interest and payments on a XXXX XXXX XXXX {$650.00} XXXX XXXX with Flag ship Credit Finance. I work in XXXX  hours reduced one day week. I filed bankruptcy and the trustee dismissed my bankruptcy so that I could be harassed and preyed on my predators because I missed on Meeting of Credtors and not because my bankruptcy was abusive. But because I am a XXXX XXXX. I then began to get harass phone calls and threats from Flagship that the would XXXX XXXX XXXX XXXX XXXX  using XXXX in the XXXX. They called me and I told them I needed a week or so to come up with {$7000.00} and I could pay them {$500.00} because I just got a job. They denied my request and started calling me continuously and never sent me a letter. The judge and Trustee dismissed so that I could be harrassed. They XXXX XXXX XXXX in GA
Consumer complaint received 2022-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UMPQUA HOLDINGS CORPORATION (NJ)

Per prior case # XXXX ( with CFPB ) XXXX # with Financial Pacific Leasing ( XXXX ). This matter should not have been so closed so quickly from the CFPB. It didn't allow me ample time to provide a response to Financial Pacific Leasing 's response. Perhaps I will file a complaint with whoever oversees the CFPB. Do I need to contact the Inspector General or XXXX XXXX, XXXX XXXX and tell them I feel this matter was not handled properly. The company gave some generic response. They did not address how they come up with erroneous fees. They almost double and triple fees for customers ( including mine ). This can't be legal. I believe the Government and Congressional leaders have oversight and power over these companies ( to investigate and shut them down ) for illegal and deceptive practices as these articles clearly state. There have been many complaints from other consumers. Therefore, this should not be ignored. The XXXX XXXX XXXX filed lawsuits on behalf of other NY customers in reference to a similar company with similar illegal and deceptive practices. Please review/see the following links below. Financial Pacific Leasing is a subsidiary of Umpqua. It is also noted on their website. ( As a subsidiary of Umpqua Bank, Financial Pacific Leasing XXXX XXXX ) https : XXXX https : XXXX https : XXXX https : XXXX
Consumer complaint received 2022-08-22
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.