davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company claims they have my second XXXX debt, however, the amount they are trying to collect is way off. I only purchased a {$400.00} phone and my last statement balance, prior to it being sent to collections, was {$520.00}. 

They make unreasonable, predatory offers and are unwilling to settle for {$300.00} amid covid. I think it is a generous offer considering they purchased the debt for pennies - if they legitimately own the debt. 

Please help me remove these XXXX leaches ( my second complaint ) off of my credit report. They placed a derogatory mark, it is hard for me to rent an apartment or do anything for that matter. I had some tough times and had to use my credit cards, unfortunately. These entities are horrible to deal with.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX Account # XXXX I am writing to request the blocking of a fraudulent collection account from my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This account is the result of identity theft, and I am seeking to have it blocked from my credit report. 

Please block this fraudulent account from my credit report as required under the FCRA. Additionally, I request that you confirm in writing once the account has been blocked.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-28
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: Franklin Collection Service, Inc. (AL)

Beginning in XXXX while I was in the process of retiring from the XXXX I was informed that someone had stolen my identity ( name, social security number, date of birth ), and used it to obtain fraudulent prescriptions. This was investigated by the authorities and proven to be identity theft. Since then, Ive had several fraudulent pay day loans taken out under my name, fraudulent medical bills, fraudulent credit card and personal loan applications applied for, and other fraud related activities. I never received anything in the mail so as I could dispute it. I was checking my credit and one day all of the sudden I had a collections for {$290.00} from Franklin Collection Services Inc opened XX/XX/XXXX. Ive made several ( more than 10 ) phone calls to Franklin Collection Services Inc and was contestants given the runaround. No one ever returned my phone calls. I sent countless emails and once again no one returned any of the emails. So I filed a complaint with The XXXX XXXX XXXX. They responded about 10 days after I filed the complaint and said that their original creditor states that this was a debt because my VA insurance would not cover a visit to see the doctor. Since a dialogue was opened I accepted the businesss response in good faith. After Doing that I was not able to get a hold of anyone once again. Since Im a military retiree Ive had XXXX beginning in XXXX to this very day. I bring this up because I dont have, nor have I ever had VA insurance. This is not a billing issue as Ive tried to explain to them previously. This is fraud. I have several pieces of fraud related evidence from the authorities that Id be more than willing to share. I would appreciate some guidance from Franklin Collection Services Inc in how to remedy this ( remove this from my credit report ) so I can continue to rebuild my life. There must be internal company fraud forms? Surely Im not the very first person to have a fraudulent collection from this collection agency. Im fed up with this collection agency and am almost at the point of filing a formal complaint with the Mississippi Attorney Generals Office, and possibly retaining a lawyer to seek civil damages. This fraudulent collection has negatively affected me receiving financing two separate times. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I sent this request that the credit Bureaus reinvestigate the disputed Items from my credit report as well as correct or update these items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-02-28
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. (NJ)

Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong
Consumer complaint received 2021-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (KS)

Navient has the worst customer service, and I dont say that lightly. For three months I have had the run around with them calling or sending an email to say my payment is late, when I have been told that my account is in auto pay. I have removed the account, re-enrolled, and been assured by my bank that everything is correct. I received confirmation emails that my application went through for automatic payments, and then the same cycle happens again. The last time I called customer service about this and expressed my frustration, the customer service representative belittled me and started talking to me like I was a child. When I asked for her to transfer me to someone competent, she yelled at me. Never in my life have I had to deal with such downright disrespect from people because I dont have the rights to transfer my service to another company without losing the benefits of my repayment history. Its downright abusive. I get anxiety now when I have to call them, knowing that I will be met with contempt on the other end of the line. I followed their so called self help section to rectify the issue to not have to deal with them, and it still hasnt worked. I would prefer to have someone listening on the line when I make a call to make sure they will treat me professionally and fix the issue once and for all so I never have to speak with them again.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX  is reporting derogatory information onto my account. I am hereby asking XXXX XXXX XXXX  to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, i mmediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I opened a XXXX Checking account with HSBC Friday, XX/XX/2020 following their promotional offer on their website. The offer goes as follows : XXXX HSBC XXXX WELCOME DEPOSIT CHECKING OFFER 1 HSBC XXXX {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC XXXX {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC XXXX checking account from XX/XX/2020 through and including XX/XX/2020 ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC XXXX checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC XXXX checking account from third parties at least once per calendar month ******************************************************************************************* I have met all the requirements from top to bottom. It has been 7 months since the opening of my account. I have reach out to them on several occasions and each time they either ignored my email or said that they would investigate the case. In the last email, I told them Id file a complaint if they did not act to the promotional offer. Then, they got back and said that I was not eligible to receive the promotion. They claim that I did not open the account through their webpage and I must prove the otherwise in order to receive the promotional payment! The promotional offer was the ONLY reason why I opened this account, and, of course, trusting the HSBC, keeping any kind of proof ( whatever that means ) never crossed my mind. I have never heard of such an absurd and unfair case where I have to prove that I used their website. How else could I have opened the account? I have a PhD in Finance from an XXXX XXXX XXXX, and the HSBC should not think that their customers are XXXX. Instead, they should treat their customers with some dignity!
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NH)

XXXX of XXXX I started a mortgage refinance with XXXX. I was told after the approval process that my rate was going to be XXXX, {$630.00} in closing cost, 30 to 40 days closing timeline and no prepayment penalty for a 30 year fixed rate refinance with cash out. 

This info was based upon an approximate home value of XXXX given by me, XXXX credit score, low XXXX and XXXX. 

XXXX days before closing { XX/XX/XXXX } I received a call from XXXX XXXX, AmeriSave, stating that the home value I initially gave them in XX/XX/XXXX was XXXX and because the appraisal which came back in XX/XX/XXXX came in at XXXX I now have to pay XXXX to XXXX in closing cost and possibly a higher rate. 

Facts : 1. Never said nor would I even think my home value was XXXX. I told them my home was around XXXX 2. Appraisal came in at XXXX 3. Never received or signed a XXXX 4. The loan was supposed to be rate locked and was not. 
6. AmeriSave didn't tell me the " supposed '' home value problem when the appraisal came in XX/XX/XXXX, they told me 5 days before closing. 

I have all screen shots of text and e-mails supporting all the information above. 
I've lost 4 months of savings equaling close to XXXX and now I'm subject to a higher rate. 

I tried to resolve the problem with AmeriSave but they would not agree to the rate and closing cost quoted. 
I emailed the following people from AmeriSave for assistance in solving the problem. I didn't receive a response. 
XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX XXXX - XXXX People Involved : XXXX XXXX XXXX XXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX Thank you, XXXX
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

I contacted care credit directly to explain to them that I made an payment online. I found out that the payment was not accepted due to an website error. I then attempted to pay the payment in the amount of {$140.00} on XX/XX/2021. I was told that they wouldnt be able to help me remove the inaccurate information from my credit although the payment was made and it was not late do to any fault of my own. I also explained to them that my credit limit is {$3000.00} and not {$1600.00} that they reported to all three of my credit bureaus.
Consumer complaint received 2021-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (CT)

I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of XXXX Carmax Auto Finance sent me a bill which is a violation of 15 USC 1692b. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. In this transaction there was a cash down payment which CONGRESS said pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer credit transaction and is ILLEGAL. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 ( 5 ) a finance charge should include premium or other charge for any guarantee or insurance protecting the credits against the obligors default or other credit loss. I have been paying separate insurance for this vehicle and that is a clear violation. Check my consumer credit sale contract and you will not see my insurance involved in my finance charge.
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

My lease with GM ended XX/XX/XXXX. The lease contract call for the total base payments of {$10000.00} plus a lease termination charge of {$390.00}. I made payments totaling {$11000.00}. When I turned in the vehicle I took care of all items while pointing out the deficient pre-inspection report I had yet GM sent me an invoice stating I owed an additional amount of {$640.00}. I wrote to GM on XX/XX/XXXX pointing out that their inspection report was inaccurate and included all relevant proof to support my position. GM did not respond until XX/XX/XXXX stating I still owed {$420.00} for the {$390.00} termination fee plus fees and taxes while ignoring my request to have my payment overage applied to the fee, if not waived. Instead, GM falsely and fraudulently reported to the credit agencies that I " MISSED A PAYMENT '' to the detriment of my and my spouse 's credit history when in fact we did not miss any payments at all. Again on XX/XX/XXXX I wrote to GM requesting that it retract it's false and fraudulent report yet to date GM has refused to be reasonable and ignored my request.
Consumer complaint received 2021-02-28
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. (NY)

There have been fraudulent activities that I did not authorized. The bureau has the responsibility to report accurate information and they have not done so. I have reached out to them on multiple occasions. 

XXXX XXXX XXXXXXXX {$15000.00} Account number XXXX the full account is not listed XXXX XXXX Account number XXXX they don't have the full account number listed XXXX XXXX XXXX XXXX Inquiry i have contacted the company for a year now, and the credit bureaus about this matter nothing has been done
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have contacted all three credit bureaus over XXXX times about inquiries that I did not authorize. According to the FCRA, these unverified and unauthorized items should be removed. Despite providing documentation, they still have not taken action. Additionally, I received emails demanding {$6000.00}, threatening to release my Social Security number and ID photos. They gained access to my email, but I have since changed my password. I am simply requesting the removal of the inquiries that I did not authorize. Thank you.