davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

We have an account with Verizon for our phone plan. We use autopay on our account currently. We were sent an advertisement in the mail specifically to us saying if we signed up for the Verizon Visa Card that we would get an additional XXXX dollars off on our account per month. Verizon bills are really high so this seemed worthwhile. We already currently receive XXXX dollars off a month for using autopay but did not have a Verizon Visa Card, which would save them money not us. I signed up and was approved for the credit card. I put it as my default payment for autopay but noticed the discount did not come off. I called Verizon customer service and asked what was wrong with the discount and could they look into it. They looked into it and they said that the discount was just for the autopay, which we already had. I told them this was false advertisement but they disagreed. Why would they send us this advertisement for an additional XXXX dollars off when it's not available in reality? Using their credit card does not help me it only helps Verizon.
Consumer complaint received 2020-09-16
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: EQUIFAX, INC. (MD)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (TX)

See CFPB complaint XXXX for the whole history. 

In short, I bought the leased vehicle from US Bank in XXXX of XXXX. US Bank in XXXX of XXXX sent me an invoice demanding I pay tolls charged in the amount of {$940.00} plus a {$25.00} bank fee that they say they paid on XX/XX/XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX ) to see why I had any tolls due because I had a valid XXXX  XXXX XXXX toll transponder. XXXX  XXXX XXXX and the XXXX have reciprocal agreements to collect tolls for each other. At this time, XXXX said the invoice had not been paid by US Bank. 

I contacted US Bank and disputed the charge and demanded a copy of any form of payment that US Bank made to the XXXX because the XXXX was telling me they haven't been paid and I still owe the invoice. US Bank refused to provide me any form of payment and continued to send me collection letters that I disputed demanding the same information. 

I filed a complaint with the CFPB ( which is a waste of time ), and US Bank responded to them. You can find a copy of the documentation in the complaint XXXX. Problem is the CFPB closed my complaint once US Bank responded and without allowing me to upload new evidence of nonpayment from US Bank to the XXXX. 

You will notice that the XXXX Invoice is {$100.00} XXXX lower than the XXXX inovcie that US Bank says they paid the whole {$940.00}. That is because talking to the XXXX they had waived that {$100.00} XXXX in my favor during their research on my information regarding the XXXX  XXXX XXXX toll information. Of course all the rest will be removed but US Bank is still demanding payment when documentation I am adding here PROVES they did not pay XXXX
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

the company I am having an issue with is US bank relicard. 
On XX/XX/XXXX XXXX my card was frozen due to them suspecting fraudulent activity. I called them on XXXX XXXX, and XXXX and held on line for 2 hours each time just to be told to fax Identification in which i did and I uploaded the file to my account on the website. I explained to them I was sick and I authorized the transfers to my daughters account because she had to pay my bills for me and also come get me after I was released from the hospital on the 5th due to a battle with XXXX. I have been out the hospital a week and a half with no medicine because I cant afford the co pays because I have no access to my money. I submitted everything I needed and still can't get an answer except its gon na take 10-15 days to unfreeze my account. I am XXXX years old with XXXX that needs to be treated and they seem like they don't care. My regular bank would not have put me thru all this. I appreciate any help you can offer I just want access to my money so I can get my prescriptions and get well again.
Consumer complaint received 2020-09-15
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: EQUIFAX, INC. (PA)

As I stated before as the consumer that I sent a certified letter with return receipt to all 3 credit bureaus requiring according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), that they are required by federal law to verify through the phyiscal verification of the orinigal signed consumer contract. Any and all accounts they post on my credit report. Otherwise, anyone paying for them for service could fax, mail or email in a fraudulent account.

I demand to see the verifiable proof ( an original Consumer contract with my signature on it ) no response accept Equifax said they updated it but didn't send me any proof on file ( Section 609 ( a ) ) on the accounts I listed. I have attached both letters that was sent so they could notify the creditors or collections companies. So, I did notifiy you guys through the credit bureaus so you are still non-compliance because they said you were in compliance. 
Your failure to verify positively these accounts have hurt my ability to get house and other credit. I have read the website CFPB, FTC and other sources. That under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
1 ) XXXX XXXX  2 ) XXXX XXXX XXXX  3 )  XXXX I will be mailing out certified letter with return receipt today and have attachment them in this complaint. Please have them items deleted from my credit reported within 15 days. Because the credit bureaus said you guys to them you met the standards but you have committed fraud. As, goodwill gesture that all I want you guys to do have them deleted these items. So, by law of these accounts should be deleted no proof was given.
Consumer complaint received 2020-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TN)

Paramount Recovery has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX  XXXX XXXX. I have never been to that medical facility. I have contacted this company 3 times and they have yet to respond. Please remove this erroneous collection immediately.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NY)

This account was paid in full last year 2019. I am tired of receiving different collectors on this account reporting to my credit bureaus. My next step is to hire a consumer attorney if this shows up again! This is the 3rd time that this account has been removed and reappeared. It needs to be deleted ASAP! I do NOT owe this and it was paid with the original creditor even before account was closed. Remove now and stop reporting this ACCOUNT XXXX
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I started a loan application in XXXX, and still haven't closed because of a tardy process run by Wells Fargo Home Mortgage. Throughout the process, very scarce updates were provided, usually only after multiple emails from me requesting for information. And then all of a sudden, I would receive calls asking if I would be willing to proceed acting as if all my emails requesting for updates didn't happen.
Consumer complaint received 2020-09-02
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: WELLS FARGO & COMPANY (MS)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-16
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: Resurgent Capital Services L.P. (FL)

LVNV FUNDING, LLC/RESUGENT states they found no records supporting your allegations, including, without limitation, that LVNV improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES notices and communications. LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES ) such as " debt collector '', " debt owed '', " collections '' all are words I find offensive. These notices have included several violations of 15 USC 1692 using such words in notices that have my personal information attached. Furthermore, all notices have been received during inconvenient times. Lastly, LVNV, has not validated any contract that I have consented or agreed to with their company.

LVNV has continued to damaged my credit and reputation. This is a violation harming my physical reputation and caused me to loose business opportunities that I am trying to secure.LVNV, FUNDING LLC unlawful attempt to prejudice my security interest  and liberties by an action against the XXXX XXXX Estate is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc. 

I am demanding to remove ( DELETE ) the collections from all three credit bureaus and cease all communications.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number.I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX {$580.00} XX/XX/XXXX XXXX  {$480.00} XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ) XXXX {$680.00} ( XXXX XXXX XXXX ) XXXX XXXX  XXXX   {$960.00} ( XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$130.00} ( XXXX XXXX XXXX  XXXX ) It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-09-15
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. (TX)

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MO)

Every hour to thirty minutes I am receiving calls without a voicemail and it appears to be Credence Resource management. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2020-09-01
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2020-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NY)

For several months we have been writing to Planet Home Lending to request that our Private Mortgage Insurance ( PMI ) for our FHA loan be removed because the mortgage has been paid for a minimum of 5 years and the loan to value is 78 % of the initial sales price or appraisal, whichever was lower. 

On XX/XX/2020, we received a letter from Planet Home Lending stating that our FHA loan has met all of the requirements pursuant to FHA guidelines to remove PMI. The letter further stated that the last PMI payment was due in XX/XX/2020. 

On XX/XX/2020, we saw PMI was still included in our monthly mortgage payment, which was automatically withdrawn from our checking bank account. We called Planet Home Lending and we were informed that the PMI review process has not even been started. When we indicated that we had a letter dated XX/XX/2020 stating the opposite, she said it did not matter because there was a one payment in arrears. We were never informed at any time that there was an arrears or that FHA criteria included such as a requirement. 

Our mortgage company is not honoring their agreement as stated in their XX/XX/2020 letter that we met all of FHA requirements.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (CA)

I started a landline phone and internet service with XXXX XXXX on behalf of my XXXX year old father who lives alone on XX/XX/2020. I was remodeling the home where my father lives along with several other subcontractors. XXXX failed to complete the installation for the internet that was never used. The landline had spotty reception at best. The installer for XXXX told me he was going to " Check on the signal '' but he never returned to complete the installation. 

I called XXXX the next day to ask why he didn't finish and that i needed somone to return to complete the installation ASAP. They told me I had to pay {$75.00} for a service call! 

I told them this was not acceptable. Your installed never comleted the installation. 

I got a letter from a collection agency Credit Control Corp in XXXX XXXX Virginia asking me to dispute verify or dispute this account. I sent the a letter dated XXXX XXXX telling them about this situation with XXXX and that i never signed a finish work order because the work was never completed. I asked for validation of the debt and a signed work order. 

On XX/XX/XXXX ( Post marked ) almost two months later the only thing Credit Control Corp sent me was phone calls my father made mostly to me complaining the phone service was terrible and XXXX XXXX never completed the installation of the internet. 

I called Credit Control Corp today XXXX and they refuse to consider XXXX XXXX did anything wrong or should provide any further proof of this installation not being completed. 

Credit Control Corp can't send me validation the debt exists or the work was performed. I have 5 sub contractors who werre working at that house that day who can verify everything i say here. I made it clear my father needs service and i am willing to pay after installation and service that works properly.

It took almost two months of my credit being negatively effected for Credit Control Corp sent a letter back that proves nothing but negligence from their client. They wasted no time at all to ding my credit but took their time to prove the debt should exist. 

I never signed any work order for completion. Credit Control Corp should remove this from my credit report now.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (ID)

On XX/XX/XXXX  I checked my Citi Mobile app to see the last statement balance. The remaining amount due for the last statement balance was {$220.00}. I took a screen shot of this. I made the final payment of {$220.00}, which was credited on XX/XX/. 

I looked at my statement today, XX/XX/2023, and it showed that I was charged interest of {$80.00}. I should not have been charged any interest since I paid the previous balance in full. 

I called Citi card and they let me know they will reverse the interest charge. 

This is the 2nd time this has happened, and I feel that it is fraudulent that I have to check my account and call regarding this, since the interest should not have been charged at all.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (MD)

This is a follow up complaint, as prior complaint was closed without addressing actual issues. In the attached documentation it is clear that inaccurate information is being reported and illegal duplication accounts being reported. 

No validation response has been received from ability recovery. The documentation attached to the response to the complaint does not provide any justification for incorrect and inconsistent dates, or the illegal duplicate reporting. Again, the information reporting is false and defamatory and needs to be removed immediately. 
The response is incomplete at best and provides false information. Stating that I have been provided documentation is an absolute lie, I have never received any documentation from Ability Recovery. I provided proof of the dating inconsistency and duplicate reporting, which is illegal.
Consumer complaint received 2020-09-02
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. (UT)

XXXX XXXX ACCT # XXXX Is reporting a debt on my credit file that I do not owe. This debt is not mine, and I have never had an account with or opened any accounts with XXXX XXXX. I have contacted and advised them that is a fraud account and it needs to be removed off my credit file.
Consumer complaint received 2023-05-05
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. (TX)

It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This is a 30 day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-05-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: 1st Franklin Financial Corporation (GA)

A XXXX XXXX continues to call my place of employment which has caused me embarrassment and problems at work. I can not receive collection calls at my work XXXX XXXX XXXX XXXX.