davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA in XXXX of 2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2023-01-30
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. (NC)

My complaint is with Equifax. On XX/XX/2022, and XX/XX/2022, I sent a validation letter to Equifax certified mail. Receipt number XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I have attached these letters with this complaint. Equifax has fraudulently put an account on my report, XXXX XXXX XXXX, Account # XXXX. I ask Equifax to tell me how they verified that account and the method of verification. I have waited more than 30 days and still havent received any response in according to my letters. Equifax has refused to respond to my request to know how this was verified and the method of verification. I am aware that my rights are protected by The Fair Credit Reporting Act and Equifax has violated my rights 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information & 15USC 1681s-2.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OR)

We paid off our mortgage in full more than twelve years ago ; however PHH Mortgage Services Corp has taken no steps to remove the lien on our home -- despite repeated requests to do so over the past five months .We have telephoned, e-mailed, FAXed and mailed requests all to no avail. We are an elderly couple in poor health and want to be able to sell our home. PHH 's conduct is an example of elder abuse and potential financial fraud.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (VA)

Discover Financial services is excessively running credit inquiries from XXXX. They are inquiring at least once every two weeks, in once case twice in ONE day, in a couple of cases, one week apart, and apparantly have done so for at least several years. They are no longer a creditor to me, has not been since XX/XX/XXXX, and I will never be a cardholder of theirs again. In addition, according to the credit report, they plan on continuing to be on my record until XX/XX/XXXX. I have since had another creditor raise my APR due to, at least in part, this excessive and needless practice. I need them to not only stop running these inquiries, but remove me from any list they may have me on as a prospective customer, and also need to remove themselves from my report altogether, as I have not been an account holder for over 7 years. I tried to report this to Experian, but their website is not working correctly to do so, and there is no actual phone number to contact a real person.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (FL)

AMSHER COLLECTION SE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMSHER COLLECTION SE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMSHER COLLECTION XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On what I think Was approximately XX/XX/XXXX, I got a call from USAA telling me that I had an outstanding balance on a credit card that was closed in XX/XX/XXXX. The balance was for {$14.00}. They told me that the card originally had XXXX cents and had accrued interest over the last 8 years. I told them that I had closed that account. They said that it was their mistake and credited my account the {$14.00} and closed the account. I asked them if this was going to affect my credit rating and they said that they were n't going to report it to the credit agencies. the following monday I got an alert from XXXX XXXX saying that my credit score went from XXXX to a XXXX. Not only did they not contact me for 8 years to settle the account, but they assured me that the outstanding balance was their fault and that no credit reporting would occur. I feel that I have been unjustly treated and my credit score should n't be affected.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

My name is XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, NC denied a checking account for me. XXXX XXXX stated ChexSystems had a DENIAL code on my ChexSystems file XXXX my consumer id is XXXX ). I spoke with XXXX at ChexSystems immediately after who stated they do n't place denial or approval messages on consumers accounts. Can you review if ChexSystems is reporting a denial or approval to financial institutions?
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one bank suddenly cancelled my credit card account and refuses to provide a specific reason. My account had an excellent 10 year history including no late payments and a XXXX dollar credit line. My credit score is XXXX. The letter from capital one was very vague and ambiguious. Capital one also cancelled my kohls credit card that had the same excellent history. As a result my credit score will decrease. I researched the web and found numerous other people with the same situation. It is very likely capital one will not do business with people that pay their balance every month and do not generate interest revenue for this awful bank. Thank you in advance for assistance
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (MO)

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 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

The facts are as follows : 1. I have been having the in New York, the PC RIchard Store Cared for nearly ten years. I never had an occasion of a.compaint. But now the Synchrony Bank entered into the picture, problems started. I have been trying to contact them since XX/XX/2021 but no success, because they always greeted by unending recorded message. I tried to Chat in XX/XX/2021 but was disconnected. 
2. The outstanding balance on the card at the beginning of XX/XX/2021 was {$990.00}. 
BUT IN THE FIRST WEEK OF XX/XX/2021, THE BALANCE JUMPED TO {$2200.00}. 
Today, the XXXX of XXXX, 2021, I waited on phone for more than half an hour. And finally upon my inquiry, I was informed that in XX/XX/2021, the Synchrony Bank charged {$1200.00} as LATE PAYMENT PENALTY INTEREST. 
3. I NEVER HAD A LATE PAYMENT in ten years. I never knew that such a thing will happen without notice. 
4. I request CFPB, If it has guts, to look into this and resolve the issue favorably.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

To whom it ay concerm this account has never been late. its pad off in full and never late its reporting late 1 time XX/XX/XXXX. 30-59 days late. This is incorrect as this is when a new card was ordered due to lost card. However the payment was made on time. 

CiTi Bank credit card opened XX/XX/XXXX account is current {$0.00} balance
Consumer complaint received 2023-01-07
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)

After reviewing my EQUIFAX credit report I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must REMOVE all negative and adverse remarks. 

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  As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts listed above. 

Please be aware that all negative remarks found on my credit report are violations of the FCRA and FDCPA when you can not furnish the validity of the remarks. I am not in dispute of the ownership of the accounts but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the accounts from my credit report. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 USC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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 2016-05-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (UT)

Discover Card offered me a XXXX percent rate for life in XXXX which expired in XXXX XXXX unless I made XXXX purchases a month. I accepted and transferred a balance. I also was moving and subscribed to online statements, electronic notifications, and autopay. After several years now, I have discovered they expired my promotional statement in XXXX XXXX with no advance notification. Alot was going on. Several moves later and a change of bank and I looked at my Discover Card bill to see interest charges. When I produced the original paperwork my card came on ( but not he card holder formal agreement ) it lists the zero percent rate and footnotes that it is expiring in XXXX XXXX but is extendable if I meet the extenstion required transactions per month. They have now denied this, said they do not keep records longer than 7 years, and can not produce my original cardholder agreement. The fact that I do not have the formal cardholder agreement has encouraged them to decline my request to refund the interest paid even though they can not produce the original agreement either. Clearly I am upset. can you assist? thanks!
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I

may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Y
ou are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2023-01-07
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. (ID)

they didn't send me proof or they didn't try to fix the problem and removed it. I'm a victim of theft I have mailed them my information 6 times last year and I sent it off again. Nothing is removed..
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

On XXXX XXXX 2015, we verbally appealed the first and second mortgage modification offers provided by Wells Fargo to our underwriter XXXX XXXX. We appealed to include a principal reduction. One of the benefits of receiving this would assist our underwater mortgage. A condition we had asked Wells Fargo to help us with several years earlier when H.A.M.P was introduced to assist mortgages like ours, when a hospitalization caused a financial hardship for our family. However, our home was refinanced with our second mortgage interest rate raised. We were told by a representative of Wells Fargo that this action was taken because according to Wells Fargo, we could afford a home that was underwater. For this reason our home was financed without that assistance. 

We are asking for assistance to expedite our appeal, as we have been working to create a healthy mortgage that we can resume paying after our trial payments our finalized. Instead of receiving an answer to the appeal we have been waiting to hear back about, we were sent a letter dated XXXX XXXX, 2015.This letter was received by us on XX/XX/2015. It states Wells Fargo will review our appeal. We are concerned that there is no indication Wells Fargo received our appeal within the time limit given to us by XXXX XXXX. Wells Fargo received a copy our letter XX/XX/2015 through the XXXX XXXX XXXX. XXXX stated to us that she would include a note to communicate her approval of our appeal. This was approximately two and a half months ago. 
We wanted our appeal to be given time to be reviewed thoughtfully, and so we assisted Wells Fargo when asked to put this verbal appeal in writing. We did so with expediency to help Wells Fargo and we continue to do so in whatever way we could to create a healthy mortgage for our situation. We have until XXXX to amend this issue, as we are now official in court proceedings.