davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NJ)

XX/XX/XXXX : We charged {$17000.00} to this card for an XXXX XXXX rental in XXXX. 
XX/XX/XXXX : We paid the bill in full to Citibank CC XX/XX/XXXX : XXXX refunds {$17000.00} to this account as they cancelled our rental due to the building being sold. 
XXXX. XXXX : Initial call to Citibank CC to request a refund of the large balance. 
XX/XX/XXXX : {$16000.00} is removed from our account for the requested refund. We do not get the refund. 
XX/XX/XXXX : XXXX XXXX calls to see where the refund check is. Citibank CC says the check was drawn on XX/XX/XXXX and we should wait another XXXX days for receipt. 
XX/XX/XXXX : We have not received refund so XXXX XXXX calls again. We are told it was sent and has not been cashed. We are told that we now have to therefore cancel this check that was " lost in the mail '' in order to request another check to be sent. 
XX/XX/XXXX : We again call to be sure another check is being sent. Yes we are told it is in process XX/XX/XXXX : We have not received the second check and XXXX calls again to see where it is. We are told by XXXX the check was AGAIN cancelled by us but it was not done by us. We are never told why this happened. We ask for ANOTHER ( third ) check to be sent. Are told it will take several days to review again for XXXX days by a panel, and that we need to wait another XXXX days to send and receive that THIRD check. We were speaking to XXXX and told his supervisor is XXXX XXXX. 
XX/XX/XXXX : XXXX XXXX calls again to check status of the check. He is told the refund was not approved. Our account shows {$16000.00} was again returned to our account ( this is the money we want refunded ). We do NOT need want or request a {$16000.00} credit be applied to the Costco account. We need the money back. We are told the rep is again requesting a refund for us and it will again take XXXX days to review and XXXX days to get it in the mail, or we may be able to request that the money by electronically transferred into our account at the time of review approval. 
Today we have nothing but assurances and no idea if we will ever receive this money back without taking some type of legal action.
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (GA)

I purchased a vehicle a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX I was told credit acceptance approved me then after getting the vehicle told a week later they denied me after they told me I was approved. The vehicle had already been registered and listed them as the lien holder. Now Ive secured fininacing with another company but credit acceptance refuse to release the lien on the vehicle so the new company can go on the lien.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

a credit card was opened in my name without authorization. the first inquiry on my credit report was XX/XX/ and another happened on XXXX. a card was successfully opened and sent to my house, but I had never applied for it.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-15
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. (MD)

To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. 
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report. 

XXXX. FDCPA section 807 violation misleading false reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC. (CA)

I signed up for XXXX XXXX XXXX in XXXX of 2022. They are a dental company that provides aligners to patients to straighten their teeth. In my case, I went to a dental office and had a consultation and signed up for treatment. XXXX XXXX said they had a company called Health care finance direct that would finance my payments each month. 
I went through the treatment and was not satisfied with the results as my teeth still have gap and are not aligned as promised on the bottom. 
I reached out to XXXX XXXX several times during the course of treatment and was given new aligners as they promised it was a " lifetime '' guarantee. 
In XXXX, the company filed bankruptcy and are completely out of business. The finance company is still trying to collect the remaining funds from me! I have an outstanding balance of {$480.00} ( {$580.00} with interest ) I have paid {$1900.00} to date. 
I explained to them that I am not done with my treatment, and I am not going to pay for services that are not rendered. They have my credit card no, but I have since locked it from any charges. They continue to harass me and threaten to collect and report this to the credit agencies. 
I filed a complaint with the XXXX but they responded saying that healthcare finance responded, and they were closing the case. 
I know I am not the only victim here. I've read many stories online of patients that paid and were left with no treatment. Please help. I have outstanding credit, but I am seeking to not only have payment stopped but get a refund for breach of contract. Thank you.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (MD)

Dear, Experian XXXX : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted several letters to Tranunion starting in XX/XX/2023, disputing the XXXX XXXX account fraudulently on my report. I have yet to receive confirmation of my results and/or proof this account belongs to me. Under the FCRA this account should be removed NOW.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OR)

All XXXX Credit scores are in the XXXX with XXXX late payments or outstanding debt. I received a notification this morning through XXXX saying Jefferson Capital System sent a XXXX account to collections for {$170.00}. This was on my XXXX report which caused it to tank over XXXX points. 

I have never heard of Jefferson Capital, have not received any bills from XXXX, and have not been a XXXX customer for over 20 years ( with proof of current cell carriers ). This is completely fraudulent debt. 

Reading the reviews, Jefferson Capital has thousands of similar complaints. They either try to collect debt beyond SOLs, use unethical collections practices, or fraudulently try to collect invalid debt. Im considering contacting a lawyer.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (MA)

It appears Experian is retaliating towards my account due to ongoing account credit disputes with my credit file. The vast majority of information being reported is incomplete, missing vital account information such as full payment history, account numbers, correct account balances, and debts incorrect balances, all 3 bureaus are reporting different information and I demand this agency get involved to resolve this once and for all! 

Experian and all banks refusing to cooperate are continuing to penalize my credit account by removing accounts that have been paid/settled satisfactory and displaying only accounts as owed monies that have been previously charged off/ written off. If the account is charged off with {$0.00} balance why are all the bureaus still reporting the accounts and owed balances if the company charged off the debt or sold the debt? 

I demand all banks to send updated statements as of today proving accounts were sold, charged off/ written off, or closed and include original contract promissory note signed by me proving debt was paid per law. I demand every bank reporting on the credit bureau to comply immediately. 

I also demand banks all include updated payment voucher to discharge debts once and for all. 

I do not consent to have the credit bureaus report negative inaccurate information on my credit or to the public or on private internal communications within the companies about my account, Experian is intentionally inflicting pain and suffering by not removing negative reports and further lowering my credit report so that I can not qualify for credit and they reported my credit as a high risk to creditors. 

I am preparing to sue all 3 bureaus and its executives in federal court now given the circumstances. This is intentional infliction of harm and has caused severe financial hardship and trauma and I will hold the executives accountable for all the harm caused to date! 

I have tried peacefully resolving these problems for many years now and its become obvious that the banks and bureaus do not work for consumers best interests which is an act of bad faith and federal law violation!
Consumer complaint received 2023-08-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

In XXXX, 2024, I discovered that I was the victim of identity theft and that a person or persons with access to my social security number tried to obtain credit from many credit providers. It appears that of all of the applications for credit, 5 were granted by XXXX XXXX. I filed a report of this identity theft with the Federal Trade Commission ( Report no. : XXXX ) as well as my local law enforcement office, the XXXX XXXX XXXX ( XXXX XXXX. : XXXX ). I also contacted XXXXXXXX XXXX Experian, XXXX and XXXX by Certified letter. 

XXXX readily acknowledged that 4 of the 5 fraudulent accounts were not my responsibility and removed them, but initially resisted removing one of the accounts, a XXXX XXXX XXXX XXXX XXXX with an account ending in XXXX. As of today, XXXX has agreed on the phone and in writing that the XXXX XXXX XXXX  account is not my responsibility and said it would be removed but this has not occurred. 

I have been speaking with Experian since it seems to be the only credit reporting company with this inaccurate entry. Experian refuses to reopen my dispute even though I have a letter from XXXX acknowledging the error and directs me to XXXX. XXXX says that I am not responsible for the fraud that occurred and advises that all 3 credit reporting agencies have been so advised.

While I have frozen my credit at all 3 reporting companies so that this problem does not grow, I want to repair the credit score that I have spent my adult life building. I would appreciate an help you can provide to these indifferent companies.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Since XX/XX/XXXX, I have provided all the requested documentation on identity so that they can unlock/unblock my online portal. Each time I submit documents Equifax claims they did not receive them or the time lapsed and I have to resend the documents again. On my last conversation yesterday, XXXX indicated they never received documents submitted for letter dated XX/XX/XXXX and that Ive never provided them with requested documentation. 
Most recently, I provided my birth certificate. This is unacceptable. Due to the fact they claim they did not receive my birth certificate, I am uploading my id again.
Consumer complaint received 2023-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX uses XXXX XXXX XXXX now owned by Synchrony Bank ) to help its customers finance hearing aids. If you pay a minimum payment, there should be no interest. However, Synchrony communications are extremely misleading. Instead of providing the amount due that would have the customer avoid interest, it instead provides a lower amount due and never explains this or provides the interest avoidance amount unless you call and ask. I am a XXXX ( inactive ) so I knew something was wrong when I multiplied the amount times the 18 months. I asked to speak to a supervisor to complain about their business practices, but I was told they were all in a meeting. I know from other experiences, including the Amazon Charge card, that Synchrony is very misleading compared to other banks. Someone needs to review their business practices, or at least warn prospective customers.
Consumer complaint received 2023-08-15
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)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
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. ()

I want to dispute everything on my files everything that I had on my folders from years ago it really does stick with you, so what Im trying to do is to clean up my file weather I have to dispute. Theres things on my file that need to be cleaned up. It doesnt need to be on my file Im trying to clean up my credit and this is the only way I know how to go about it so please if theres anything you can do on your end, I would appreciate it. If theres any other information I need to submit or anything please let me know and Ill submit it ASAP. Thank you very much. I just want my life back Im XXXX XXXX XXXX and cant do nothing. Ive been married for 32 years and cant do a XXXX thing. I cant take this its either this or my life but ones Got ta give. Thank you.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Financial Services, Inc. (OH)

XXXX at eagle loan of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX refused to reverse 30 day late when they were closed Friday at XXXX Saturday and Sunday and Monday was 30 days. this is there predatory way of lowering my score to so that i can not obtain low interest financing to pay them off then they offer me more funds and origination fees. Now i call to make payment they conveniently answer and mark me 30 days late and refuse to fix it so I must stick with subprime interest, this is predatory and also threatening to call my employer, they are a modern day loan shark
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC (TX)

This is further to my prior CFPB complaint number XXXX. 

The complaint response letter you attached is for another person, in violation of their privacy. 

Please address MY complaint ( see below ). 
Please confirm whether you sent my prior complaint response to someone else in violation of my privacy. 

Original complaint : I would like the following from the debt collector, Johnson Mark LLC : Who was the original creditor? When was the account charged off? What was the balance at charge off? When did you acquire the account? How much do I owe to clear the debt from my credit report? How can I submit payment upon verification of the debt? Ive called XXXX on 3 different days and could not be connected to a representative. File XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2023 I filed a dispute letter to Experian, XXXX, and XXXX XXXX requesting the removal of all inaccurate information being reported on my report such as metro 2 formatted compliance. Upon no receipt of verification of the inaccurate information I sent another letter on XX/XX/2023 requesting the demonstration of truthfulness certified with the lawful process and mandatory Metro 2 compliant reporting. On XX/XX/2023 I sent another letter requesting the immediate removal of the inaccurate information due to failure to verify within the time prescribed pursuant to 15 U.S.C 1681 again to no avail. I sent another letter on XX/XX/2023 showing that the inaccurate information was the result of identity theft along with Police Reports and the bureaus were selective in removing some items and allowing others to remain. I called the bureaus on XX/XX/2023 at XXXXXXXX XXXX XXXX and they assured me the remaining inaccurate information would be removed and still has failed to do so. Can you please assist me in compelling the bureaus to comply with the rules set forth in FCRA 1681. Any assistance or advise will be greatly appreciated, Thank you for your time and anticipated cooperation in this critical matter
Consumer complaint received 2023-08-15
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. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.