davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (IL)

On XXXX XXXX I attempted to resolve this issue via the CFPB & as a result of that the company responded with my filing a dispute again Directly with the credit bureau, Equifax. Upon filing my last complaint the company disregarded fair practices by quickly responded resolving my issue on here the same day they received it, instead of doing the proper investigation which is required. But in their response they indicated that they would be following up with a dispute thru them. it has again been over 30 days since last speaking with someone from this credit bureau or hearing an resolution on my dispute in regards to the inaccurate and unverifiable information currently contained in my credit report. Time after time upon request Ive yet to be presented with valid copies of evidence to support their inaccurate reporting. At this time I am seeking to reopen this investigation into this credit bureaus bad practices one last attempt before pursuing legal action against them for the violations of my consumer rights under the FCRA & FDCPA.

I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a SBA Loan due to the coronavirus pandemic because of my credit.
Consumer complaint received 2022-02-09
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: DISCOVER BANK (CA)

Discover Financial Services continues with their systemic institutional XXXX oppression XXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.
Consumer complaint received 2022-02-08
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have several inquiries that were not obtained with my knowledge or permission. I tried to get the credit bureau to look into it after I received a letter from the company I called the company who stated it was a soft pull and should not have shown on my report and referred me to the credit bureau. Dates were XX/XX/2022 and XX/XX/2022 by XXXXXXXX XXXX Also 2 more inquiries came from XXXX XXXX. 
There are 8 plus collections on my report as well They state they are open but are in collections with a collection agency. I have exhausted all avenues with the credit bureaus but they ignore me and report they are correct after 3 days. I have several names and addresses, credit accounts etc that are not mine. I am a victim of identity theft and the credit bureaus are not helping.XXXX is refusing to give me a report of any kind. The others are not truly investigating.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

I filed my dispute with Sam 's club regarding my ex- boyfriend of 11.5 years using my name on his account without my knowledge. He is re-married and his wife now has a second card with him. I don't even have a Sam 's club membership anymore. I filed the dispute about a week or so ago. I explained to them ( Sam 's club ) the debt is not mine, and that I have not been with that person for over 16 years. The person was not given the rights to continue the use of my name or my identity on the his account. This is considered fraud. I asked them to remove me from his account. To please contact him and demand my name to be removed. They said that the owner of the account is the only one who can remove me from the account. I almost dropped. This is crazy! He has no rights to use my information. They have failed to do this. All they did was give me a payment history and considered it resolved. This is not resolved in any way, shape or form. I'm highly upset and disappointed in the way this was handled. I hope someone can handle it better than they did. I will be talking to a lawyer next.
Consumer complaint received 2022-02-09
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX I ordered some XXXX earpods on line from Best Buy and paid {$320.00} using my BestBuy credit card. When my son opened them, he said they were not XXXX  ( although they were in an XXXX case ) I took them to the Best Buy store near me to return them and get the right ones I ordered and paid for but they directed me to call XXXX I explained what occurred and was told to mail them back for a full refund. They sent me a prepaid label and they received the earpods on XX/XX/XXXX. I called to inquire about my refund several times and they would open a new case every time I called but they never refunded me my money. Spoke with XXXX on XX/XX/XXXX at XXXX ( case XXXX ) she promised the refund would show on my statement within 2 billing cycles, it did not happen..called again and spoke with XXXX on XX/XX/XXXX XXXX XXXX am ( case # XXXX ) she promised the same but did not deliver on her promise. Called on XX/XX/XXXX at XXXX pm ( case # XXXX ) spoke with XXXX, then XXXX, they escalated my case but again the refund did not happen.Then they said that because the items that I returned were not XXXX earpods, they cant make the refund so I called my credit card company. I did not receive the correct earpods, they sent mock earpods to me. I am the victim of fraud here and so I just wanted the credit card company to cover me for this transaction and refund me for the charge that XXXX is not refunding. I opened Case number XXXX on XXXX. Today I received a letter from the credit card company showing me proof of the charge and dismissing my dispute. I never said that I did not make the purchase. I made the charge but BestBuy, the store, shipped me mock items. It was either the store employees or the shipping company they used or I do not know who but I did not received what I paid for therefore I want MY MONEY BACK.. I was scammed. I want a REFUND
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have provided Experian the information from the lender showing the payment for XXXX was paid on-time. Experian opens then closes the dispute within 24 hours without properly investigating the validity of the item. The balance statement and payment history clearly show the payment was made within the terms. Experian is purposely not investigating the item for validation.
Consumer complaint received 2022-02-09
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. (MN)

I received the following message from XXXX, " We have located your Social Security number on a Dark Web site on XX/XX/2022. '' ( and ) " Next Steps : You can take immediate action by going to Experian.com/fraud to add a fraud alert to your credit file. '' I went to XXXXfraud and completed the process to add a fraud alert to your credit report. As part of Experian 's fraud reporting process I reported a name on my credit report that is NOT me with explanation of " Details : Never known by this name. '' When I submitted my fraud report I received the following error message, " The below XXXX item ( XXXX ) were not submitted and need your attention. '' ( and ) " Our system is unable to process this item. Please Cancel to Continue and contact us at XXXX XXXX XXXX XXXX so we may better assist you with this item. '' I called the number provided 4 times. All 4 calls I entered my SSN and my identity was verified. On each call I quickly hit a road block dead end in their automated voice prompt telephone system. They continuously asked me either or questions with no remotely reasonable answer. After 45 minutes of frustration and attempting to find alternate ways of contacting Experian I gave up and the only reasonable solution was for me to fill out this complaint. 

Example Teleprompts : - Are you calling about the active fraud alert on your account? Yes- Do you want to add an alert or remove an alert?... no that's not what I'm calling about and there is no possible way to exit the teleprompt... eventually they disconnect the call and then I have to call back- Are you calling about the active fraud alert on your account? No - For questions about your Experian membership press 1 if you have general questions press 2. 

I find it concerning they're unable to assist with my actual problem and yet they seem to be " soft marketing '' their Experian membership program.
Consumer complaint received 2022-02-08
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2021, I filed a fraud claim for {$1400.00} charged to my XXXX with the bank, Barclays. This was related to an incident through a vendor, XXXX XXXX XXXX XXXX. 

My card was canceled and I immediately received a new card to prevent further theft. I promptly wrote a review of this vendor/company on the XXXX XXXX XXXX website and XXXX to warn other potential victims. 

Barclays stated that it was investigating this dispute. I called many times in XXXX and XXXX to inquire about progress, but those conversations with Barclays representatives were meaningless and fruitless. On XX/XX/XXXX, I received a letter from Barclays stating that the charge was added back to my statement and that it was valid. 

I received no product nor any service for the transaction of {$1400.00} on my credit card. 
A salesman that I called from XXXX XXXX XXXX XXXX XXXX came to my home briefly ( less than 5 minutes ) on XX/XX/XXXX. He charged my credit card {$1400.00} for a new dishwasher that was never delivered. 
I called the vendor and was able to reach him once in late XXXX after the dishwasher was not delivered he suggested that he may be able to bring me " some cash. '' I refused and insisted that he provide me with a credit for the full amount on my Barclays card. 
This charge was never credited to my card by the vendor. 
I have made attempts to resolve this directly with the vendor but he has disappeared. The numbers on the business card do not work ; there is no address, and our research to locate him on the internet have yielded nothing. 
No investigator from Barclays ever spoke to me or my wife regarding this claim, to " investigate '' as we were told. 
Barclays has provided NO CUSTOMER PROTECTION whatsoever.
Consumer complaint received 2022-02-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit, Inc (FL)

I am purchasing my car at lease end due XX/XX/22. The agreed documented contract price is XXXX. 
I contacted the Audi Financial services dept, they said I needed to go to the dealer. Contacted the dealer on XX/XX/22, let them know I am buying the car and they emailed me a document, with multiple ambiguous dollar sums totalling XXXX. 
They included service contract XXXX which they removed. 
The base amount they used was XXXX, it is clearly on the attached contract as XXXX, then they added fees of XXXX, added government fees of XXXX, 7 % tax, I argued Florida is a 6 % tax state they argued it is 7 %. 
They said they, ( the XXXX dealer ) has to buy the car from XXXX financial, and that changes the residual value on the lease agreement. 
I read blogs where other people report there is NOTHING the laws do to protect consumers and they can basically charge whatever they want. 
So I ask what the purpose of sn " agreement '' is in the first place. My hands are tied I have to sign these documents, and when I try to get resolution the narrative will become " well she signed the documents '' because I will run out of time here. I CAN NOT believe the public is not outraged by this shameless manipulation and NOTHING is being done to stop these deslerships from taking advantage, snd not honoring their own contract. This is so wrong, adding XXXX to the buyout price alone tells me there is a real problem here. Please help me.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (IL)

My name is XXXX XXXX The company I'm filing a complaint against IQ Data International. They have violated the FDCPA by reporting a debt to my credit without first VALIDATION, Secondly the company XXXX XXXX that they are collecting on behalf of does not have a debt collecting clause, they actually have a civil/tort clause. I sent a cease and desist and the agency refused.
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF THE WEST (AZ)

On XX/XX/XXXX ( est. ), Bank of the West opened a credit card account and sent me a Credit Card associated with this account. I had NEVER requested a new credit card as I have several other general credit cards, as well as a Bank of the West Debit Card and a XXXX XXXX XXXX ( at the time with over $ 1M ). 

Around the XX/XX/XXXX timeframe, I accidentally used the card at XXXX for {$5.00}. Subsequent to this, no bill was mailed or emailed to me. And none since. As well I didn't receive any phone call from Bank of the West concerning this account and the {$5.00} charge. 

After checking on my credit rating concerning a potential HELOC loan, I realized there was a {$94.00} outstanding charge. I then reached out to Bank of the West concerning this charge and account. I immediately paid the {$94.00} to Bank of the West and closed the account ( XX/XX/XXXX ). 

I immediately filed a complaint with Bank of the West asking for them to reverse the credit reporting incident since they are responsible for creating the account/situation. they have not yet responded to me in any form. 

As well, I filed a dispute with all three credit bureaus. Their response back to me indicated Bank of the West was not willing to change their representation of the outstanding account/issue. 

With over $ 1M in a XXXX XXXX and several {$0000.00} in our checking account, as well an over 45 year customer of Bank of the West, I would have hoped Bank of the West would have made more of an effort to contact me concerning this issue. 

finally, I find it very disturbing that a Bank can send a credit card ( without authorization ) to a customer, then report on non-payment without mail, email, or phone contact to their customer. This is misleading at best. Fraudulent in my view.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management INC. Has cease to provide everything I attached in my letter. 

Please provide this information that I am seeking, instead of he say she say.. 

-Proof of the original contract bearing my personal signature : -Proof that I entered into a contract with Midland Credit Management INC -Pay Of Disclosure : -Interest Rate Disclosure : -Balance History : -Payment History : -Credit Insurance : If you can not provide these simple documents, it is a XXXX violation, accroding to {$800.00}. Validation of debts XXXX XXXX. XXXX XXXXXXXX
Consumer complaint received 2022-02-08
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. (CA)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (GA)

I requested to reduce my interest rate to XXXX XXXX as it was hard to pay a high interest rate. 
They promised, if I apply for loan modification, my interest rate would be reduced. I requested to refinance based on my good credit and payment record. They informed and insisted that the only way to get requested relief was to apply for loan modification. On their insistence and information that my interest rate would be reduced, I applied for loan modification twice but they did not reduced the interest rate at all and now they are refusing to refinance and not accepting their mistake. If I would have advised for refinance from the day one, I could have get refinance at 2 % or less while I was current on my mortgage with good credit. Now I can not refinance from anywhere and Loan Care is fully responsible for this misleading and misguiding intentionally. They refuse to reply of my voicemails, emails and certified mail at all knowingly and willfully. 
In good faith, I reminded them our conversations, but they aren't resolving the issue, but are threatening. My original request was to reduce interest rate which is 4.375 %. I believe they have misled me intentionally. I respectfully request assistance in negotiating the terms of modification reflecting the original promise of reducing it interest rate and waive any and all unlawful late fee and penalty, they have levied without cause and in violation of my consumer rights. If this was not done intentionally twice, that what is this? why I was misguided and misled? There is some someone somewhere who can ask this question and I have right for correct answer and get this problem fix ASAP. 

Best Regards. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX