davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

I HAVE DISPUTED THIS ACCOUNT WITH XXXX   AND DISCOVER, I HAVE FILED A POLICE REPORT AND FTC REPORT. THIS ACCOUNT WAS BLOCKED PER SECTION 605B 15 U.S.C & 1681c-2. THEN THIS ACCOUNT WAS PLACED BACK ON THE FILE BY XXXX  SAYING THEY RECIEVED NOTIFICATION FROM DISCOVER SAYING THE ACCOUNT IS VALID. I HAVE EXPLAINED TO DISCOVER THIS WAS A RESULT OF IDENTITY THEFT AND YET THEY STILL ARE REPORTING THIS FALSE INFO ON ME. I ASKED XXXX  TO VALIDATE MTHIS ACCOUNT AND HAVE DISCOVER PRODUCE A CONTRACT/ APPLICATION WITH MY SIGNATURE, OR OTHER IDENTIFYING INFO, AND XXXX SAYS THAT DISCOVER DONT HAVE TO PRODUCE THEM ANYTHING AND AS LONG AS THEY SAY THE ACCOUNT IS MINE THEY WONT BLOCK IT EVER AGAIN. ALL DISCOVER IS SAYING IS THAT THEY HAVE MY PERSONAL INFO. MY RESPONSE TO THAT IS THAT IM A IDENTITY THEFT VICTIM SO OF COURSE YOU HAVE MY INFO. I WANT THIS ACCOUNT TO BE BLOCKED FROM MY CREDIT REPORT AND DISCOVER STOP DOING UNFAIR PRACTICES AND STOP TRYING TO COLLECT ON ID THEFT ACCOUNTS
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (MD)

In mid XXXX, XXXX, I received a letter from SUNTRUST Bank that my repossessed car was going to auction in mid-XXXX. there are two problems with this : # 1 My car is not repossessed, and # 2 all my payments since opening the account with Suntrust have been paid ON TIME. I called Suntrust : the agent was very confused by this due to the outstanding status of my payment record. Finally, a supervisor stepped in, apologized, and informed me that someone had transposed the VIN # incorrectly and they would take care of it. 
On Sunday, XXXX XXXX, I was alerted via email that my EXCELLENT credit score was down 79 points due to the closure of my Suntrust Auto Loan account due to repossession! 
I called Suntrust again : again they were confused, and gave me a CASE # in order to resolve the devastating situation. 
As if all that is not bad enough, I went to my own bank to refinance the car as I want nothing more to do with Suntrust, and, although they approved the loan, the interest rate was higher due to the credit report of repossession. 

It needs to be noted that my credit report also shows the same auto load account OPEN in good standing! 
Suntrust has singlehandedly ruined my EXCELLENT credit score due to THEIR errors!
Consumer complaint received 2020-01-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: ACIMA CREDIT, LLC (AL)

I leased tires from Acima Credit. The tires were fitted but were the wrong size. The installer stretched the tires on my wheels to make them fit instead of getting the correct size. This causes tires to wear faster. As a result I chose to end the lease and return the property. I was told by Acima to send photos of the tires and I did just that. I was told that Acima did not have a collection site in my area and to donate the tires to a thrift store and send the receipt to Acima. No non profit in my area accepted the tires because of wear and they can't sell them like that. I have emails asking Acima for an address to one of their collection sites and I  would be more than happy to ship them. I was told that's unacceptable. Also Acima shared my account information with a family member that claimed I was deceased. That wasn't true at all as I was unable to answer my phone due to out of town work. They didn't have my permission to speak to anyone concerning this matter.
Consumer complaint received 2020-01-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Im a XXXX veteran on fixed income on verg of going through a hardship I pawn my title to pay for funeral they told me they had best and less interest they told my payments would be XXXX a month I told them that was tight I have paid them XXXX they gave me XXXX they change my payments to XXXX a month they say my payoff is XXXX plus I owe for XX/XX/XXXX payment they say I need to give them XXXX to bring current my car need motor work done costing XXXX they people are XXXX  me they don't wan na talk to me can someone please check into this title bucks XXXX XXXX ga XXXX my name XXXX XXXX USA XXXX veteran
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

My name XXXX XXXX and wife Is XXXX XXXX XXXX XXXX we had car loan with XXXX XXXX and it was transferred to westlake financial. They did it in XXXX and we was not notified by email or mail that our loan was turned over to Westlake Financial. So we sending our payment to XXXX   XXXX for XXXX and XXXX which was not sent to Westlake Finanical. So we both got negative History on our credit for XXXX and XXXX. We never got nothing from them letting us know that it was turned over to Westlake Finanical. Plus Westlake Financial didn't even send us anything to let us know that they had our loan. All we asking is that they remove the negative history from XXXX and XXXX on our credit report.
Consumer complaint received 2020-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MA)

My automatic monthly payment was withdrawn from my checking account and I was charged an unavailable funds fee despite there being more than sufficient funds in my account to cover the charges. My bank did not charge me an overdraft fee, but the loan servicer charged a fee as if the account was overdrawn and they could not collect the scheduled payment, despite collecting the payment in full. I would like the additional charge to be refunded to my account, as the loan servicer clearly charged it when there was no cause to do so.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am disputing the inaccurate reporting of late payments on my credit report for the following accounts : XXXX  XXXX XXXX ( account XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and XXXX XXXX  XXXX accounts ( account # XXXX and XXXX, both reported on XX/XX/XXXX and XX/XX/XXXX ). These accounts are incorrectly marked as late, even though my payments were made on time, in compliance with the account terms. 

Under 15 USC 1666b and the FCRA, it is the creditor 's responsibility to ensure the accuracy of the information they report. I am requesting that you provide evidence to support these late payments, including account statements and any documentation showing I authorized this information to be reported. If such proof can not be provided, I expect the payment status to be promptly corrected to " on time '' to reflect my actual payment history.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is my first attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-21
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credence Resource Management, LLC (AZ)

Received notification of debt collection added back to my report after being removed XX/XX/year>. Requested information validating the debt the ownership and accuracy of debt. Company did not send over requested information. Sent a bill. Sent a second letter requesting same validations and have not received a response since XX/XX/XXXX, the date I sent additional letter requesting information.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I've attempted since XXXX of 2019 to remove fraudulent accounts from my report that was contributed to ID theft.I sent block request to all CRA 's XXXX and XXXX complied with the block request, however, Equifax did not. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.
Consumer complaint received 2020-01-07
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: SYNCHRONY FINANCIAL (MO)

I got hit with 2 hard inquiry from SYNCB/ XXXX XXXX XXXX , XX/XX/XXXX, and XXXX I did not apply for anything regarding these hits, I called Synchrony claims they don't own the account & that it was an known error with XXXX  XXXX. I call XXXX  they told me to contact Synchrony again & get a letter of deletion, called Synchrony again, they could not or would not give me such letter, you can't get such letter from someone when you don't have an account with them or inquired any information from them, and then XXXX  told me to contact Synchrony, XXXX  suggested to contact consumer finance.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!
Consumer complaint received 2020-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NY)

I called synchrony bank about 2 months ago due to I had gotten an alert that something had changed on my credit report. When I logged into it I had seen an account was added that was from syncb/ppc open XX/XX/XXXX of XXXX with a credit limit of {$680.00} and the account is current and still open. I asked to to close this and remove it from my credit report as this was fraud and they stated at that time they would. I then got a letter in the mail on XX/XX/XXXX from synchrony stating they were denying my claim that it was fraud. I called them back on the XXXX of XXXX to have this reported as fraud again and the lady on the phone said she would have the case reopend and make sure the account was closed. the account is still not closed at this time as of XX/XX/XXXX and still on my credit report I would like this taken care of please
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have complained several times before to try and get some assistance with this issue. I have received several letters from Experian stating that this public record that is reporting is accurate. This public record is not accurate and I have contacted both the courthouse and XXXX XXXX, which is who the company has told me has verified my public record. 

This is a blatant lie and a true misrepresentation of my credit report and my husbands credit report and I want this removed ASAP. I am tired of continously having to fight for my innocence in this situation.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Good Day, Over a year ago I was informed by XXXX XXXX and other credit agencies that Equifax has a Red Flag on me. I called Equifax and I was told that there isn't one, and then again same problem now, I was again informed by XXXX that they wouldn't provide Equifax information because Equifax has a Red Flag on me. So basically I have been boycotted by Credit Agencies because everybody think I am wanted person, or committed a crime. 
Their slander, and inaccurate information wasn't reported to me, or never notified of any discrepancies. Equifax decided without any bases to slander me, and destroy my credibility and have refused to correct it.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to Experian, XXXX and XXXX as well as to XXXX regarding this. They claim they have investigated it but they have not.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

According to Federal Law, XXXX is legal. I opened an online business. I used Square as my vehicle of payment. After 2 sales totaling {$950.00}, they deactivated my account saying it was a high risk business. I understand, XXXX is still misunderstood, but it helps millions of people deal with pain & anxiety. So I am passionate about helping people feel better. If Square doesn't understand that it is legal, that it is NOT trying to hurt the public ( quite the opposite ) & they consider it high risk, fine. But don't keep my money for 3 months with NO resolve ability. It is impossible to reach them. OH yes, sales you get a human. Anything involving a deactivated account, they tell you to look at the first email. I called their numbers ( 3 of them ) on 5 different occasions over the past 2 months, all lead you to nowhere but frustration. That email tells you to go to their help online. Help online tells you to go to the email. 
Contacted the sales rep I bought it from on XX/XX/XXXX. When deactivated, I sent him an email on XX/XX/XXXX. No response. I called him on XX/XX/10, XXXX. No call back. I am beyond words. 

On XX/XX/XXXX, XXXX XXXX attempted to transfer to my XXXX XXXX account. On XX/XX/XXXX, XXXX XXXX said that XXXX XXXX put a hold on it. I have the documentation. 

After months of frustration ... I am putting in a complaint. This is just not right. I did searches on XXXX. Thousands of others are complaining, many attorneys. The experience has harmed me and my business as well as many others. When is too big not acceptable for consumers. When the consumers are lied to to get the business and then they pull the plug when they feel like it. It is just not right.
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (GA)

I have tried to resolve a charged off account with belk, every time i call they wont give me my account number and tell me that that they arent removing anything, and that i need to wait 7years..
Consumer complaint received 2018-07-12
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: Credit Karma (NY)

hello I was checking my credit report through CreditKarama.com and I saw a hard inquiry from a source that I do not recognize, and the report gave me the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and that was XXXX XX/XX/2018XX/XX/2018
Consumer complaint received 2020-01-06
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. (TN)

I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am XXXX late. From my understanding of the law, this is impossible to be XXXX late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this complaint to bring to your attention a matter of utmost urgency regarding the compromised state of my credit with your institution. It has come to my notice that there have been recurring issues in preventing the unauthorized inclusion of items in my credit file, even when accompanied by an FTC fraud report. This marks the ninth attempt on my part to dispute items in my credit file resulting from an alleged identity theft. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), it is imperative that you promptly adhere to the mandated timeframe for the removal of any items in my file linked to alleged identity theft. The stipulated duration for such action is not later than four business days following the date of receipt, contingent upon the provision of ( 1 ) appropriate proof of the identity of the consumer and ( 2 ) a copy of an identity theft report. Im sending over an Identity Theft Report # XXXX. For your reference, I have provided the following details : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX - XXXX XXXXXX/XX/XXXX **XXXX** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} Original Creditor : XXXX XXXX  XXXX Balance : {$180.00} XXXX XX/XX/XXXX **TRANSUNION** XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX please 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.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX, Account # XXXX. 
Refusal To Validate " Correctly '' My request is for the following : 1. The Last Date of activity is extending the Statute of Limitations.

This account has been charged off 10 times, which is a violation. The charge off dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. 
2. This account is also reported as written off, charged off and never late.

Charge offs should be according to 15 USC 1635, 15 USC 1692g, and 15 USC 1601, Congressional Findings & Declarations of Purpose. 

Experian, XXXX and XXXX are paid agencies, not the Credit Bureau. Any credit agency reporting inaccurate information should immediately delete from the credit file. This account can not be legally and lawfully according to the FCRA 10 times, and then written off and then listed as never late.

The same information should be reported on each Credit Agency of Experian, XXXX and XXXX, but each Agency is reporting differently and this is a violation of my consumer rights.

Delete these inaccuracy of this account from my credit file immediately and permanently.