davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (TX)

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 1681. 

XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX- Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, have 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 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from XXXX  and Transunion showing " previous '' with 30 days past due and then " current '' showing it removed.
Consumer complaint received 2023-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (WA)

On XX/XX/XXXX Conserve placed collections on my XXXX report for over {$3800.00}. 8i disputed it on XXXX. The dispute is open. I never was contacted by phone by Conserve, no message left on voicemail and no phon conversation. No e-mail was received. No letters ever came in the mail. There is no account on the credit report that reflects what they are trying to collect on. Under FDCPA they have not verified the debt nor that it is mine before placing collections on my report. The company then reported it to XXXX and XXXX. I will be disputing with those agencies too. Conserve should remove their reporting as they have not met their legal obligation.
Consumer complaint received 2023-02-09
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. (FL)

I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.
Consumer complaint received 2023-02-09
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. (FL)

I closed my XXXX XXXX account yet XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request if consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished Lexis Nexis, XXXX, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (VA)

HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 XXXXdo n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and XXXX XXXX prooof of Cleared cheque.Except XXXX XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to XXXX XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -IQData .I have applied for Mortgagee loan and my Closing is on XXXXIncorrect collection showing in XXXX report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with IQdata and XXXX  XXXX XXXX  for collection removal but their response is very slow.Request you to look into this. 
Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WI)

I purchased furniture from XXXX XXXX in XX/XX/XXXX that was returned to the store in XXXX. I filled a dispute with the in house credit card by synchrony bank so that I could get it resolved. It was resolved and the dispute was finalized. The letter from synchrony stated the merchant has resolved the dispute with three refund amounts XXXX for XXXX dollars XXXX for XXXX and XXXX for XXXX. There was an overpayment on the account at this point and a check was cut and sent to me. In XX/XX/XXXX they charged me again for {$520.00}, even though I made no other purchases. I have filled dispute and fraud claims several times since then. At this point the XXXX amount is lost to history and they claim I owe XXXX as of XX/XX/XXXX which they continue to add fees to. They refuse to provide info to me when the account is coming off dispute so that I can re-dispute so that fees do not accumulate. 
In XXXX of XXXX Their fraud team told me that it is not a fraud charge but a billing clerical error that needs to be resolved in the normal finance team but that team continues to try and pass me off. 
After many failed attempts of disputing with them since XX/XX/XXXX and several reviews from the their internal fraud team, I am reaching out in hopes of getting some help to resolve this matter.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

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 1681.

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 2023-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (IL)

I had a XXXX in XXXX of XXXX and I am still waiting for the final invoice. I have paid everything that was asked of me to pay. The XXXX was pre approved by insurance and now I am receiving a invoice saying I owe : {$35000.00}. When I called my insurance company the first time they told me that the hospital never even sent them a invoice. Since then I have been in constant communication with the hospital and my insurance trying to get this paid. The last time I called the hospital was XX/XX/XXXX and I was told the bill is not final and it is on hold. I was told not to pay it at this time. Today I received a notice from a collection agency. I have no problem paying the money I owe but I need the invoice revised to the proper amount. After receiving the notice today I called XXXX XXXX billing and again they said its on hold, call back tomorrow. I need some help resolving this.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

I receive daily text message from this phone number. They are sending me texts without my consent. I keep blocking the number but I still receive them. The text messages say : Please contact Radius Global Solutions LLC at XXXX Regarding Reference # XXXX Important Rights : rad-gs.info Txt STOP to End texts
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

We extended our XXXX XXXX 2020 lease for 6 months. We were never sent the paper work and our use of automatic debit stopped working. Thus, the payments stopped. We rectified the situation with customer service however the account information for balance due was incorrect. We waited for that to be changed. However, when we logged in it would not allow us to make the payment electronically. It kept saying not available. Thus, two weeks before the payment would be 30 days late we mailed a paper check. We let Ally know this. The check was not cashed. So we called and the were able to get us into our account electronically. We made the payments to fully catch up however they are writing that we were 30 days late. We have never been late before and always paid on time with a perfect history. It is not our fault that we tried to make payments and it wouldn't let us electronically. There is a charge to pay by phone. We also attempted to pay via check but it was not cashed by the company for some reason. They recognized the problem and in fact waived the late fees because they knew it was not our fault.
Consumer complaint received 2023-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CA)

XXXX XXXX does not fully disclose the predatory features of their loans. 
They were supposed to give me 90 days of interest free financing. I had automatic payments set up with my bank account. They are telling me that I " missed a payment '' during the 90 day period which made me " ineligible '' for the interest free financing. 

The rate they are charging me ( 133 % ) is WAY over the maximum Rate Cap in California where I reside. There is apparently a " loophole '' with XXXX when using " XXXX XXXX ''. However - my disclosures clearly state that the Loan is funded and serviced through XXXX, not XXXX. This interest rate is insanely predatory someone needs to hold XXXX XXXX accountable.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MN)

We applied for a land release we did everything they ask for ten months and come down to the last minute they called us and said they can't find any inspection close to us so they wouldnt do it and now they won't even talk to us .they are mad that we won't refinance are home we are at XXXX percent and they are giving us the runaround on the land release now.
Consumer complaint received 2023-02-06
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. (VA)

I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : XXXX  XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX 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. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I have been a loyal customer of Citibank for 30 years, but have somehow been caught up in a faulty security processing loop. Citibank has locked my card, refuses to complete my identity verification, continues to charge me fees for the card. In the end, I only wish to re-establish service, but there appears to be no means for accomplishing this. Escalation to managers only results in more physical letters dispatched to my mailing address, none of which apparently contain the requisite information that would allow unlocking of my account.
Consumer complaint received 2023-02-06
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. (NV)

Lender : XXXX XXXX XXXX Inquiry date : XX/XX/ Credit inquiry was not authorized as I did a pre approval and as stated from rep at bank and website that It would have an affect on my credit because it's a soft pull.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Federal Adjustment Bureau, Inc. (OH)

I sent in a dispute on XX/XX/2023 along with my government ID with current address my dispute is my name that is incorrect on the report and a few addresses that are also not correct. That is on the report and eviction. They did reach out to me and stated that my report with not be updated
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (TX)

XXXX XXXX aka XXXX, on my credit report for Experian, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in 2022 which is in accurate.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP (NY)

While updating my home in preparation for it's sale in XXXX XXXX, I used my XXXX XXXX credit cards to buy bathroom, kitchen and laundry room appliances, building materials, etc. Seeing that the credit card interest rates had climbed, I decided to eliminate 1 card and pay down the other card. 
I applied for a {$20000.00} loan at Key Bank, XXXX XXXX, NY XXXX, XX/XX/XXXX with XXXX XXXX XXXX, Branch Manager. I have been a customer of Key bank for over 52 years. 
I was approved for the {$20000.00} personal loan. However, the XXXX XXXX XXXX  '' decided I could not be trusted to use the monies to pay off/down the 2 credit card balances. They would not put the money in my account. They insisted that Key Bank would issue checks to XXXX. 
I found this stipulation offensive. I had taken out several loans during my 52 years of being a customer at Key bank. I paid them all off without incident. I was now being treated like an irresponsible child. 
I voiced my displeasure at how offensive and ridiculous this stipulation was. However, I gave Key Bank the XXXX XXXX credit card numbers. I was asked how much I wanted to pay on each card. I told them the amounts to be paid on each card that would allow me to cancel one card and pay down the other. My instructions were recorded and sent to the " XXXX XXXX '' by XXXX XXXX XXXX. The " XXXX XXXX  '' was issuing the checks. 

My directive was IGNORED by the " XXXX XXXX  ''. They issued only one check and it was applied to only one card, LEAVING ME A BALANCE ON EACH CARD! Now, because MY INSTRUCTIONS WERE IGNORED, I am unable to eliminate the one credit card, which I felt was necessary for my financial comfort. 

While the " XXXX XXXX '' was afraid that I would be irresponsible with the loan monies, it turns out the " XXXX XXXX '' ARE THE IRRESPONSIBLE ONES! They disrespected me and ignored my directive. They have now created a FINANCIAL HARDSHIP for me every month. In addition, THEY HAVE NEGATIVELY IMPACTED MY CREDIT SCORE!

I have contacted Key Bank on several occasions regarding their mistake and no one responds to the problem.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

I have 2 collections on my credit for XXXX XXXX for {$310.00} and {$250.00} and I have talked to them repeatedly about it and they have no idea about it because when I got my electric turned back on they added those amounts to my current account and they told me to try and get it taken off by either disputing it or getting ahold of collections. Please help
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Javitch, Block & Rathbone LLC (KY)

XXXX XXXX filed a complaint of an amount owed, for which I received a Civil Summons in XXXX. The amount due was in connection with a XXXX XXXX credit card. I was not aware of this debt before receiving the summons. After receiving the summons, I called numerous times to find out when these charges occurred and what they were for. XXXX XXXX credit department said I had a XXXX balance due on my accounts. XXXX XXXX said I should contact the collector, Javitch Block LLC. 

We have probably spent approximately 20 hours over the last 9 weeks trying to resolve this issue, most of which has been on hold with the parties mentioned above, attempting to get information on the charges. That doesn't include the emotional stress caused by this action. I have been told multiple times that the information would be mailed, but I still have not received that information, and they refused to email anything. Instead, they sent only only two statements from 2015 showing a XXXX  balance due, and which do not include any of the charges in question. If an amount was owed, why can XXXX XXXX not produce a simple account history so that I can review the charges made on the account? My understanding is that these charges were from several years ago, and I no longer have statements for them. According to CFPB.gov, banks should respond to complaints in 15 days. I find that doubtful, since I have been trying to get basic account history information from XXXX for 9 weeks, with no success, on an account for which they decided to take legal action against me.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of zero after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MN)

I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from Credit Collection Service for a fraudulent account for {$320.00} from XXXX XXXX. The account is fraudulent, unauthorized, not my account and is the result of identity theft. Credit Collection Service is in violation of the Fair Debt Collection Practices Act ( FDCPA ).