davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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: Professional Credit Management, Inc (AR)

Hello I have disputed with both XXXX  and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. Professional Credit Management has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with XXXX. See CERTIFIED LETTER XXXX XXXX has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting verification.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to dispute inaccurate information that appears on my credit report. Upon review, I noticed several inconsistencies in the information provided for an account listed under my name. Specifically : The date the account was opened is incorrect. 
The date of last activity does not match my records. 
The last reported date is inaccurate. 
The balance listed is not accurate. 

These inaccuracies are adversely affecting my credit report. I request that you investigate these issues immediately and update the information to reflect the correct details. If you can not verify the accuracy of this account, I ask that you remove it from my credit report entirely. 

Please notify me of the results of your investigation at your earliest convenience.
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Partners, LLC (IL)

On XX/XX/2021 at XXXX a representative from RMP Services LLC by the name of XXXX XXXX called a number associated with my account associated with a medical bill, failed to verify through any of legal identifiers ... date of birth ... ssn .... address ... if I was the correct party and began disclosing personal and private information to a third party before confirming if it was Same name Jr or Senior situation. When I informed him he became aggressive and his collection tactics became intimidating I asked for his manager and he transferred me to the voicemail. When I called back to get the names and address the rep XXXX XXXX was equally as rude and evasive
Consumer complaint received 2021-04-27
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. (FL)

Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

Selene finance / XXXX XXXX  XXXX The above company is a 2nd/junior lein on my property. The cheated us all the way no documentation has been sent to us regarding foreclosure, when i called they said its not their job to notify. It happened in XXXX Arizona where state still have a moratorium till XX/XX/XXXX. These people dont care looks like they all break law when they have to beat the poor.
Consumer complaint received 2021-04-27
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I submitted my first dispute on XX/XX/XXXX and never received a response of any contact in regards to that dispute which involved Chex system reporting an unauthorized account on my report from XXXX XXXX XXXX XXXX. They ignored my first dispute so I submitted another one online as well a complaint with the CFPB in regards to this matter. I am a victim of identity theft which I explain to the company already and well submitted a FTC report. this company is cause me tremendous stress due to the fact their letting a unauthorized account that is fraudulent report to my report after explaining and taken the proper procedures to let them know I am a victim of identity theft. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX company data breach. I also lost my wallet with all my person information in it. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will also seek litigation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if this this account is not deleted immediately off my credit report.
Consumer complaint received 2021-05-20
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. (CA)

Transunion credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.
Consumer complaint received 2021-04-27
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. (MI)

First, this is no longer an issue because the credit card company waived the interest fee that I was complaining about. However, the policy is just not right. 
In XX/XX/XXXX, I unintentionally did not pay the full amount on my Costco Anywhere Visa Card by Citi. I then incurred interest of {$14.00} on the bill due XX/XX/XXXX. I paid that bill in its entirety, including the interest, before the due date. Now on the bill ( with {$0.00} previous balance ) due XX/XX/XXXX there is an additional interest charge of {$37.00}. When I called on XX/XX/XXXX to inquire why there was interest charged when the previous balance was XXXX? -- the answer was that interest is applied until there is 2 consecutive months when the bill paid in full. 
Be aware that interest can be charged on a {$0.00} balance.
Consumer complaint received 2021-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (UT)

I received a collection letter dated XX/XX/2021, from Allied International Credit Corp., located in XXXX, Virginia, alleging that XXXX referred my account to them for collection of {$120.00} owed on my account ( the XXXX account number they referenced isnt even close to an actual XXXX account number ). I contacted XXXX customer service and they verified that I do not owe XXXX ANYTHING. XXXX advised that this is likely fraudulent and asked that I send a copy of this letter to their Fraud Department, as well as filing a complaint with the Attorney General in Utah and Virginia, and the XXXX XXXX XXXX, which I have done. ( There are hundred of similar complaints about this company on the XXXX  webssite. ) This company also apparently has an address in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, ON XXXX ).
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NY)

I don't how the regulator allow Blackhawk Network to operate. It seems no law enforcement is reading these complaints, which is very disappointing. 

Another issue using the cards. 
The tactic used by Blackhawk is to issue the payment, but to make it hard or impossible to use the funds, as you can see from previous complaints. 

I have two prepaid cards, they were issued as virtual cards but to pay in-store they can be added to a wallet ( like XXXX XXXX ). 

I followed the instructions ( poorly written by the way ), used the Blackhawk app ( rated 2.2 out of 5 stars ) and the app added the cards to XXXX PXXXX. 

Guess what? When it comes to actually using it, it is denied. Several attempts were made at XXXX, different amount, the transaction was denied all the time. 

I'm unable to use the cards. 

Card numbers are : XXXX and XXXX.
Consumer complaint received 2021-04-27
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-27
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2021, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I applied for two refinance loans with Cardinal Financials in XX/XX/2021. They have been going back and forth and delaying the process for close to 5 months. I have been very much on time in providing all the docs they need and I have good credit score and financials. 
I think the main reason they have delayed this process so long is that the rates have gone up since then and they are trying to avoid closing the loan at the rate that we locked. In the mean time I have wasted significant amount of time and note given the higher rates I will be losing money if I switch to another lender. 
It seems like this is a normal practice for cardinal financial to offer low rates online to attract people and then if market changed and rates went up they delay the process by so long that applicants give up..
Consumer complaint received 2021-04-27
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-05-20
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. (DE)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-27
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. (FL)

XXXX is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.
Consumer complaint received 2020-05-19
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. (FL)

someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (PA)

I purchased a new XXXX XXXX XXXX ( VIN # XXXX ) from XXXX  of XXXX through their corporate website I uploaded all my documents, ( I was pre approved for a loan of XXXX from XXXX XXXX XXXX  XXXX  ) the purchase price of the vehicle was approximately XXXX total with my loan amount the balance was XXXX. I was scheduled to pick up the car on XX/XX/2020 at XXXX  XXXX, I received a call from a representative at the XXXX location that the vehicle would be available to pick up on Saturday XX/XX/2020 at XXXX  XXXX. I arrived to pick up the vehicle a half an hour late, I signed all the legal paperwork including the pink slip and was allowed to leave the lot. I took my childhood friends mother XXXX XXXX with me. After everything was signed I took my friends mother and her daughter to eat as a celebration of the new vehicle and also my deceased mothers birthday which was the following day. When I awoke the following morning I checked my e-mail and there was an message from XXXX XXXX Financial Director stating that he did not think that XXXX XXXX financed XXXX  and that I should apply for some other financing. I wasnt sure if he was a scam artist or an official representative for XXXX. I promptly returned the vehicle to XXXX XXXX  as not to incur any further devaluation. I was very depressed for the rest of Sunday, I decided to wait and find out what was actually going on until Monday morning when the dealership opened. I contacted XXXX XXXX through XXXX to voice my grievances and seek some kind of help. When I was able to get in contact with the representatives at XXXX XXXX  I was repeatedly told that XXXX XXXX does not finance XXXX  vehicles. I contacted XXXX XXXX and they informed me that they do finance Tesla vehicles and provided me with a reference number XXXX. The representative also stated that they had yet to receive anything from XXXX  of XXXX. I asked to be provided documentation with a company letterhead that clearly stated that they do finance Tesla vehicles, I was transferred and that representative did not have any authority to produce the documentation. I reached out to XXXX  of XXXX representatives and was repeatedly routed to voicemail, I decided to choose to call another department and see if they could route me to the delivery team and the person set the phone down and said I had the wrong number. I was eventually able to get in contact with a woman from financing when I tried to give her the reference number she declined and told me that Tesla does not partner with XXXX XXXX.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Ongoing-since XX/XX/2007, use of multiple illegal monitoring privacy financial methods and used practices to have cause years of financial burdens, caused/forced fraudulent transactions, with all banks since XX/XX/2007. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Each account where monitored with or without presumed permission by employees with each bank spreading personal financial account information while tracking location, prior to purchases, as well as short times of not affecting or influencing any monetary transaction through the years. Causing extreme monetary losses, thefts, price gouging, even this new evidence where most agencies contacted through the years for assistance went with complete failure or apprehension of such ongoing years of financial losses.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (TN)

XXXX XXXX XXXX sent me a notice of a medical debt for XXXX I paid payments of XXXX XXXX  dollars a month until I tried to pay XX/XX/2018 XXXX  dollars and the payment was rejected. Under FDCPA Law. They rejected my payment and turned me over to collections.