davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc. (TX)

A Few years ago XXXX was informed informed that XXXX XXXX and I were no longer together and that the debt my solo debt. They were also informed that they did not have permission to contact him any more about this debt. They were also informed via letter to cease and desist contact, since they were rude and were attempting to collect late fees on a debt. The Original Lease was a prorated rent and the Apartment complex charged late fees even after the Manager agreed that final bill I received was the final bill.. there has been added 650 $ additional.

They contacted XXXX XXXX today ... His voice mail is clear that it was NOT my voicemail and the number was some how reentered into their system. And they told XXXX they were collect debt of mine. Which is a pure violation of personal information violation. The voice mail is saved!

They also keep saying I am refusing to pay the debt even though multiple attempts have been made to get the bill corrected and they refuse to follow the no collections of additional Fees.

As far as the rudeness they are constantly talking over me, refuse to let me complete my statements, constantly hang up on, and even put someone on hold for extended lengths. The refuse to follow regulations set forth by both the FTC and FCC about telecommunications. Also the normal staff us falsely presenting themselves as Supervisors or Managers.
Consumer complaint received 2018-11-13
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: AES/PHEAA (GA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number 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 instruction.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NC)

I purchased XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX North Carolina on XX/XX/2018 for {$2100.00} ( receipt attached ). As indicated on the receipt, the purchase was financed through CareCredit Financing account number XXXX. A copy of the Account Agreement provided by XXXX XXXX XXXX at the time of purchase is attached. 
The agreement states, Interest at the rate of 26.99 % will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. However, the Account Agreement does not state promotional period. I was under the impression the account would be paid in full before the end of the promotional period if I paid the specified monthly payment amount.

I enrolled in Autopay and received monthly emails ( attached ) from CareCredit/Synchrony bank with a link to the monthly statement. I knew the payments were automatically deducted and although the emails state the monthly payment amount, they did not state interest charges or the promotional period. There was never a reason to think it was necessary to check the statements. 
In XXXX, I noticed the balance was high. I was shocked when I logged into my account to find I was charged {$860.00} in interest including {$580.00} in deferred interest in XX/XX/2018. That is {$860.00} in interest on a XXXX loan! I am extremely conscientious about paying my bills and have an XXXX FICO score. I have never had an issue with numerous other accounts in which I take advantage of e-bills and autopay. I immediately paid the account in full as soon as I became aware I was being charged interest. 
I clearly would have paid off the loan before the end of the promotional period if CareCredit/Synchrony bank had clearly and accurately disclosed the terms and conditions or included interest charges along with the payment amount in the attached monthly emails. No doubt, it is extremely profitable for CareCredit/Synchrony if consumers are not aware of the promotional period and exorbitant interest charges. I sincerely doubt CareCredit/Synchrony would want to release information regarding 1 ) the number of consumers who have the same issue and 2 ) the amount CareCredit/Synchrony collects as a result. 
The customer service representative ( id # XXXX ) at Synchrony said the information was clearly provided in the online statements and that it would take 30 days to receive a copy of the agreement they have on file. In retrospect, I should have been less trusting and checked my monthly statements. I will not make that mistake again. However, there should never be a question as to whether a consumer was made fully aware of the length or end of a promotional period. A separate notification might be difficult to administer but it would be easy for CareCredit/Synchrony to include the promotional period in the attached Account Agreement and  monthly emails.
Consumer complaint received 2018-11-13
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. (CA)

Equifax has been non-compliant with removing the unverified account XXXX/XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-07-07
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. (NY)

I contacted your office after I ordered a credit report with XXXX XXXX  on XX/XX/. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with the accounts listed below, so please help me remove this charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. PLEASE DELETE THIS FRAUDULENT ITEMS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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. (MO)

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Original Creditor : XXXX XXXX ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Original Creditor : XXXX XXXX XXXX ) , ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Original Creditor : XXXX  ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ) The above account does not belong to me. I request that you remove this account from my credit report.
Consumer complaint received 2018-11-13
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. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-11-14
Product: Credit reporting 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. (IL)

I am submitting this complaint against TransUnion for retaining unauthorized inquiries on my credit report, which I did not initiate or authorize. Upon reviewing my credit report, I identified the following inquiries that lack my consent : XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX I contacted these creditors directly, and they confirmed that they do not have any record of my authorization, either written or verbal, for these inquiries. Despite this, TransUnion has failed to remove these inquiries from my report, thereby damaging my creditworthiness. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Unauthorized Inquiries ( FCRA, Section 604 - 15 U.S.C. 1681b ) Under Section 604 of the FCRA, credit reporting agencies are only permitted to include inquiries that have a legitimate business need and verifiable consumer authorization. Since no authorization or permissible purpose exists, these inquiries should be removed from my report immediately. 

Failure to Remove Unverifiable Information ( FCRA, Section 611 ( a ) ( 5 ) ( A ) - 15 U.S.C. 1681i ) Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that any information disputed by a consumer that is determined to be inaccurate, incomplete, or unverifiable must be deleted promptly after investigation. TransUnions retention of these inquiries without proper verification is a direct violation of this provision. 

Verification Requirements ( FCRA, Section 609 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681g ) Section 609 ( a ) ( 1 ) ( A ) mandates that each inquiry included in a credit report be backed by a verifiable original consumer contract with my signature. Without such proof, any inquiry lacking my consent should be promptly removed to ensure compliance with the FCRA. 

Impact on My Financial Standing : The presence of these unauthorized inquiries on my credit report is unjustly lowering my credit score and limiting my access to credit. This is causing harm to my financial reputation and impacting my ability to conduct personal business effectively. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Equifax has the most horrible verification procedures. I tried to get my credit report through their site several times, they ask questions to verify your identity, but the questions are not correct, so they deny you access to your free report and then try to get you to sign up for their paid services. Their paid services page online does not complete properly and tries to charge you money for incomplete sign ups. Why are they allowed to continue to operate?
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis (OK)

Case # XXXX this address that they have on file to verify any bankruptcy is inaccurate. According to the FCRA the bureaus have a responsibility to make sure all information is correct. And According to the letter from the court house in the City of XXXX, Ok this address is incorrect. See attached sheet.
Consumer complaint received 2023-07-07
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-07
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. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

CBE Group keeps putting new collections on my credit report when I already have payment arrangements with them. 
For one these shouldn't have went to collections, they were to be paid by insurance, so I am fixing this. Secondly I am making payments in an arrangement with you guys even though I shouldn't be because insurance should pay it ... But Im doing my part so I don't know why they keep putting new items on and I have not even got notices for them. 
I mean honestly. Im trying my hardest, to resolve this and this is unfair
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments report on XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The last several months Ive had to constantly update my address every time I have my credit ran with Equifax I would submit the documents and then try to go in there and check the confirmation of my dispute and I will be locked out from submitting other documents that they want to resolve my issue they keep my old addresses on file there should know longer be on there they screwed up my date of birth one of their workers change my date of birth I had to update my date of birth which should have never been changed and I believe that this company is somehow doing fraudulent things to steal peoples information.
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (CA)

I opened a dispute with Discover credit card Services for a transaction took place last XX/XX/2018 against the merchant name XXXX XXXX for the amount of {$170.00}. 
I contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service,  She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle.So just doing a Followup with Discover on XX/XX/2018 by phone, to see if they received my documents, The representative with name XXXX informed me after put me on hold she informed me that I need a receipt from the merchant inwhich states the credit of {$170.00} I told her I spoke with XXXX a Supervisor from Discover and she didnt mention me that since there is Dispute on this Amount, I requested to speak with a Supervisor she transfered me with XXXX ( XXXX ) I told him I spoke with XXXX and she never mentioned me That I need a credit receipt from the merchant since this is a Dispute, He said he cant help me or assist me further, then for I told him. 1st * I will still dispute this amount based on I didtn request the merchant for their service, They were told to tow my vehicle by another merchant doing this my vehicle got damaged. 2md Discover Credit Card Supervisor XXXX Informed me Discover will initiate a review based in the new information provided and Now I received another contradictory response from another Supervisor XXXX stating they cant help me or assist me. These 2 reason are enough to have escalate this issue to Discover Credit Card Executive Level thru the CFPB. 
Its Sad to see Supervisors as XXXX not able to assist me to continue this investigation and rather to deny me assistance with this Dispute in which the merchant ending up damaged my vehicle.
Consumer complaint received 2018-11-22
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. (WA)

I have filed multiple disputes with Equifax along with copies of my identity theft report, proof of where I have lived for 4.5 years on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and they still continue to say I am responsible for a debt that is on my credit report even though again, I have told them and given them documentations that show that I am a victim of fraud. The amount of the fraud is for {$6200.00} with XXXX XXXX via XXXX XXXX XXXX XXXX who is also not giving me proper documentation so that I can have this fraudulent account removed from my credit report. The proof I have given them should be plenty sufficient to prove that I am not the one who rented this apartment and that I am a victim of identity theft.
Consumer complaint received 2018-11-21
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: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX, XXXX, and Wells Fargo XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Attn : CFPB This account originated with XXXX, which was later acquired by Wells Fargo. This was never a federal or any other government student loan. It was private, and therefore should be off of the credit file after XXXX years from open date of XXXX. Despite my requests, they will not send me the original credit note after you fully verify this with Wells Fargo. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX
Consumer complaint received 2018-11-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX a check was deposited into PayPals online account I made which was my check but did not upload. My card that was with PayPal which was a debit card was stolen and someone withdrew out {$400.00} which included fees. I was able to recover the funds after having rude customer service when I was calling. Then I was told they would hold my funds for 6 months/180 days which I can not and will not wait for. I told them numerous of times what happened and that they need to release my funds so I no longer have these issues and do not want to do business however they put a limitation on my account without proper investigation and refuse to give back my remaining funds. This is not a good way to treat customers who wanted to trust PayPal. I can see if they held it for less than 4-8 weeks but over 180 days is too obsessive. Some people dont even see their money after 180 days and I do not want to be scammed by PayPal so please help and I hope this help others who are being robbed by them as well