davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX, I opened an account with Care Credit. I used my card as instructed, and each promotion was independent and each had it's own expiration period. With Care Credit we calculated what my automatic monthly payment needed to be- $ XXXX to pay off each promotion within time frame. I called each month to clarify and confirm, make sure all was good, because the statements are very misleading, not listing each independent promotion, where and how my money is being allocated, so it's a successful payment. Each time I spoke with a customer service rep, they assured me that my payment was going to the oldest promotion that was expiring the nearest. Each month this was clarified. When I called this month XX/XX/XXXX before billing due date, this rep, said I had old promotions never paid, and have been accruing interest for almost a year. I expressed this isn't possible I pay {$400.00} every month and sometimes {$800.00} to pay off the promotions within time frame as needed, and each month a rep confirmed it was being allocated to the nearest ending promotion. They were blank, never had an answer, never said sorry, nothing. They just said this is what it says. I was furious, told them I felt robbed, cheated, mislead, and this is intentional stealing. Clearly I have the money and can pay this off. I used the card to cushion instead of paying one big lump amount at one time. But they withheld, misguided, and lied, abusing my money being given and paid to them. I said I want nothing more with their business and just decided to pay $ XXXX then and there to get me out of their organization. I can not believe this exists, and they clearly intentionally did this. They said they didn't have documentation on their end that I had called. Which is a blatant lie. I said by me personally calling each month I've trusted you as a business in good faith to receive and allocate my money appropriately for success. They didn't respond verbally, just that I had to pay all the interest now to stop this. So I did to be rid of them. 

On my online account it states my promotions with expiration dates. So when I would call to pay and told them to confirm the nearest promotion, they did, and the money was said to go to that. They never once said it wouldn't, they never said because it wasn't I was accumulating expired promotions, they never told me when I asked about these deferred interest rates- they said as long as I keep paying in full I won't be charged and this just states what would be charged if I don't pay in full at end of promotion period.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (NY)

This was a sprint phone bill it keeps on going from one Collection agency to another this bill is over 7 years old and and just hit my credit report as being 30 days late and they never sent me any notice at all its just unfair to hit my credit score and lower it
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Fay Services was assigned to service my loan at the behest of the lender. The original lender required an escrow account for insurance and property taxes. The loan originated XXXX XX/XX/XXXX. 
The tax authority assessment for the first year includes a supplemental tax. This tax is in addition to the regular property tax. It is due in ( 2 ) installments, the first due date was XX/XX/XXXX. The bill was submitted 60 days prior to Fay Services by the tax agency and myself. I also called Fay, on their recorded line, and verified with their representative that the bill was received and due for timely payment. The Fay Services representative assured me that it would be paid on time. 

On or about the first week of XX/XX/XXXX, I went to the assessors site and discovered the bill had not been paid. Moreover, a delinquency penalty was added to the outstanding balance. I immediately called Fay Services and was told that the bill with penalty would be paid within the coming weeks. They acknowledged the error was theirs and that the penalty was not to be borne by me. 

The tax was eventually paid toward the end of XXXX. However, Fay Services debited my escrow account the penalty amount! After numerous calls on their recorded line, it remains unresolved. 

The 2nd installment was due XXXX XX/XX/XXXX. Once again I called Fay Services in the beginning of XXXX, to assure the same thing didnt happen again. Shockingly, it has. 
After multiple calls and promises, the past due 2nd installment remains delinquent with a penalty! 

Ive spoken to numerous Fay Services representatives, including those purported to be managers. Copies of the delinquent invoice have been scanned and received by them but the payment remains unpaid! I have written and called numerous times, but to no avail. 

I have also notified them that as a Registered Securities Representative, tax delinquencies are reported as required disclosures on my public facing registration site. This could be harmful to my business! This can not happen! I need your offices immediate help.
Consumer complaint received 2020-05-29
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. (TX)

The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX EQUIFAX MORTGAGE SERVI Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Trakk, LLC (PA)

Hello and hope all is well. Credit extended for vehicle purchase in 2015 from Auto Trakk. Retained vehicle and its contract for over year. Within the second year of the lease, I became unemployed. Requested extension until unemployment is approved. The company offer some assistance, however, it was not enough to stop the on-going calls for the debt owed. The account has been on the credit report, for now, a total of 15 years requesting removal according to FCRA guidelines.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX  XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.
Consumer complaint received 2020-05-28
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: WELLS FARGO & COMPANY (CA)

I AM VIITIM OF AN IDENTITY THEFT, THE WELLS FARGO ACCOUNT ON MY XXXX  CREDIT REPORT IS FRAUDULENT, I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY PERSONAL STATEMENT AND MY ID CARD. THE CHARGES ON THAT ACCOUNT IS FRAUDULENT, I HAVE NEVER REQUESTED TO HAVE A SECURED CREDIT CARD FROM WELLS FARGO. AGAIN, I MA VICTIM OF AN IDENTITY THEFT,
Consumer complaint received 2020-05-29
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX  ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-28
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (NV)

Complaint against Nevada State Bank, DNA Zion Bank Corporation NA. 
I had damaged currency ( buried ) large amount. XX/XX/2020 bank inspected, counted and accepted all but 1 bill. I was asked if I wanted cash or to deposit, I chose deposit. XX/XX/2020 the banks asst. Mgr called stating their cash vault would not accepted a portion of currency, stating fear that Federal Reserve would not reimburse them and destroy. They said they would be debiting my account and I needed to pick up cash from them. All currency expect 1 bill was intact with denomination, serial numbers and security. A small amount was fragile so I placed it all in plastic bags. I am not comfortable with this. I do not know what happened, how currency was handled or how many people handled once it was inspected, counted and deposited in my presence. I did call Federal Reserve, they had no answer why bank would return after accepting, XXXX XXXX XXXX XXXX and XXXX though closed info on what mutilated currency is was not applicable to my currency, which was small water damage, dirt. I have not taken possession on the currency they want to return, they have it. 

Nevada State Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

CITIZENS BANK XXXX XXXX XXXX XXXX RI XXXX Has violated XXXX XXXX XXXX consumer rights by not notifying XXXX XXXX XXXX the consideration that was provided by CITIZEN BANK in the contract presented at Drealership. Who was the Authorized Representative Responsible for Signature and Showing liability for the contract. If there is no proof supplied under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX. XXXX I presume that no proof of alleged Debt nor therefore as such debt in fact there fore exists pursuant to 18 USC 8 owe no Debt this company is violating my Consumer Rights to Privacy Pursuant to 15 USC 1681- b2 Company has No permission to Report My Information Per 15 USC 16914. CITIZENS BANK HAS CAUSED SERIOUS HARM TO XXXX XXXX XXXX AND LEGAL ACTIONS WILL BE NEXT IF NOT RESOLVED IMMEDIATELY
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX, XX/XX/XXXX, Equifax and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXEquifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-05-29
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. (FL)

I contacted all XXXX agencies and let them know I experienced identity theft with one account beginning XX/XX/2018. At first, they said the item was valid and then no response in other attempts. I have used this portal and mailed them letters, I also called them. I have attached my most recent letter to this complaint.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AR)

Enhanced Recovery Company , LLC, Doing Business AS, ERC at XXXX XXXX XXXX, XXXX, FL XXXX notified me of a bill from XXXX XXXX XXXX - Account number # XXXX on XX/XX/2018. At the time, the balance was {$520.00} with no interest charges, or fees/penalties. If not paid, the summary would reflect " No payment arrangements on file ''. If paid, the summary would reflect " Paid as agreed '' per our phone conversation and written notice. I paid the account in full ( I have provided the letter as an attachment ) stating, they received the payment of {$520.00} and on the date XX/XX/2018 they required- and goes further to state the above referenced account is " Paid in full ''. The person of reference in the letter is XXXX XXXX XXXX ERC. However, they reported to Experian credit report that the payment was late, which has damaged my XXXX XXXX. I want them to remove this erroneous information from my credit report by supplying a letter to them, indicating this bill was " paid in full- as agreed '' immediately, as what they reported is erroneous and have violated my consumer rights under the Fair Credit Reporting rules. I have disputed this information twice with XXXX and they have failed to try to get accuracy or remove despite my communication and proof of documentation,
Consumer complaint received 2020-05-29
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. (TX)

XXXX  XXXX XXXX FTC VIOLATION AS STATED : A mortgage servicing subsidiary of XXXX  XXXX XXXX XXXX agreed to settle Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC.XXXX XXXX, 2012 the FTC 's multi-million dollar settlement with XXXX  XXXX XXXX ... federal, and local government, have violated my civil rights as well as the ... 


WOULD YOU PAY A CIVIL VIOLATION
Consumer complaint received 2020-05-29
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. (TX)

The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX EQUIFAX MORT Miscellaneous and public record Inquiry date : XX/XX/XXXX EQUIFAX MORT Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXXBalance updated XX/XX/XXXXLikewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
US BKPT CT MO XX/XX/XXXXC Account Info Reference Number XXXX Court Bankruptcy chapter XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-05-28
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. (CA)

I was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

I hold a home mortgage with Wells Fargo, and they have been on autopay up until XX/XX/2020. Wells Fargo offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or companies did this.
Consumer complaint received 2020-05-29
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. (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2020-05-28
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: EQUIFAX, INC. (TN)

XXXX XXXX  is reporting I owe XXXX and XXXX from XXXX which I had filed Chapter XXXX Bankruptcy and was discharged XX/XX/XXXX. My ex has never refinanced and removed my name and won't. It looks like I am in dedt XXXX and I only am my own debt XXXX. My credit score has gone down 54 points. This was 10 years ago and all of the sudden it pops back up on my credit report, being reported by XXXX. I worked very hard to rebuild my credit. I was these 2 off my report. I have called XXXX   and email and sent bankruptcy papers and no response from them.