davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Self Financial Inc. (GA)

I have had several accounts with Self and they continue to keep my deposits, not give any valuable consideration and when I have instructed them to return my deposits they refused. They instead put that deposit into another account and immediately started charging erroneous fees. This is not a contract or relationship that is equal, fair or clear and concise and I no longer grant this company any rights or powers over my account. They have continued to not operate in good faith. They have stolen my interest and my consideration, attempted to take all my rights and powers and abuse me.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-10
Product: Credit reporting 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 (OR)

XXXX XXXX : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I did not authorize any of these inquiries.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (IL)

XX/XX/2024 Reference # XXXX I visited XXXX BMW in XXXX today! I ran an application under my business name with my personal name and SSN attached to the application. 25-30 minutes later I was denied by XXXX XXXX XXXX, direct # XXXX for limited credit experience. I asked the finance manager to call them and when she did, she got XXXX XXXX on the XXXX XXXX, direct # XXXX and he said he would approve me for a max loan of 90 % of the MSRP and the rest I'd have to put down! I asked them do they operate under TILA, and they stated yes, they do! so if they operate under TILA they understand that if the decision isnt overturned, I will be forced to contact the SEC and let them know they're in breach of contract with them. Also, I'm being violated under 15USC1611, 15 USC 1602, 15USC1605, 15USC1662. They are also violating the ECOA & the Consumer protection act! If Im not given this consideration, I want my application retracted.
Consumer complaint received 2018-04-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

My wife lost her job in XX/XX/XXXX. She received unemployment benefits until they were exhausted. During that time, XX/XX/XXXX, my wife was looking for work and ended up having serious health issues. After getting back on her feet and finding a job, things were spiraling downward consistently. We contacted Keep Your Home California ( KYHC ) in hopes for assistance with our delinquent mortgage. KYHC had a principal reduction program that we qualified for. We informed Loancare that KYHC was going to try and help us bring our mortgage current and work with Loancare to bring our mortgage down to an affordable payment for us. KYHC told us that they werent getting any responses from anyone, and when they did speak with someone, they said that the company was only willing to do a curtailment. KYHC told us that they needed our company to buy us out of the pool or sale our loan to someone who is willing to work with KYHC fully, because thats the only way that they could help us. Meanwhile Loancares Loss Mitigation Department was trying to come up with a solution for us, which was great, except it wasnt affordable for us, so we appealed. And when we called Loancare to try to get them to work with KYHC, it didnt go so well. So time lapsed and we lost the benefit of KYHC. One great thing is that KYHC said we could apply at a later date if something changed.

We applied, reapplied and appealed with Loancare, because the payments offered in the modification were still unaffordable to us and would have resulted in immediate failure on our part. We would have eagerly accepted and was hoping for a mortgage payment just a few hundred dollars less than the modification plan offered us. Through Loancares modification, they came up with a payment of roughly {$2100.00}, when it was roughly {$2600.00}. {$2100.00} is lower than what the payment initially was, however, it is at this time is still out of our reach. I work a full-time position and am XXXX XXXX. We are now being given the option to short sale or foreclose. And that is not what we want to do. 

We would like to know why Loancare, who is our servicer, cant communicate with the lender to buy us out of the pool or sale our loan as KYHC suggested. It would be great if an obtainable modification could be reached. We knew that we had to choose assistance from KYHC or Loancares Loss Mitigation Dept. so we made it clear that we wanted to go with KYHC because it offered more help to us, it was working on our behalf, keeping us in our home, with the goal of lowering our mortgage payment so that it would have been affordable for us. According to HUD, our lender should do everything possible to help us remain in our home. We are pleading with our servicer and lender. What seems like a really great option to us, they dont seem to want to consider. My question to them is why not? We would accept a lesser modification determination, something we could reach, without failure.
Consumer complaint received 2024-02-05
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (WA)

This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Friday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Friday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Saturday XX/XX/XXXX XXXX XXXX  This is a XXXX XXXX XXXX that adverse credit information is scheduled to be reported to the credit bureau ( s ) by CREDIT COLLECTION SERVICES ( a debt collector ). You can pay {$66.00} due XXXX XXXXXXXX XXXX by calling XXXX or by visiting XXXX. Reference File # XXXX. Thursday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit www.ccspayment.com. Reference File # XXXX. Friday XX/XX/XXXX XXXX pm This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit XXXX  Reference File # XXXX. XXXX XX/XX/XXXX XXXX pm This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit XXXX. Reference File # XXXX. Sunday XX/XX/XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/, I went to the Bank of America location at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

I asked to close my accounts with Bank of America ( checking and saving ) because they had been charging me low balance fees. 

The representative I spoke with advised he would close the accounts and not charge me any more low balance fees. 

I checked my mobile Bank of America application this morning, and saw that my savings account had been closed, but my checking account had not been. Further, I have been charged {$12.00} for a " monthly maintenance fee ''. 

I called the representative I spoke with this morning, and left a voicemail asking him to call me back. He has not called back. I called Bank of America 's helpline, but no one answered. 

I want my checking account closed, and I want the {$12.00} fee waived. It is an unfair and deceptive act to represent they have closed my account, while failing to do so and charging me for the same. 

Thank you, XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

Hi, my name is XXXX XXXX. For my spring semester of XXXX, I didnt pay {$430.00} of my tuition and it went to collections. The collection agency never called or sent a letter. I found out by checking my credit reports. On XX/XX/XXXX, I paid {$430.00} in full to the actual school, which is XXXX XXXX XXXX XXXX. I couldnt pay via the debt collector because there was never a letter sent with a case number. I tried disputing it via XXXX  and they denied it. Keeps saying that I still owe to this day {$430.00} thats been paid to the school already. It keeps affecting my score since they keep updating that my payment is late. The company is called Merchants Credit Guide
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (TX)

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NJ)

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : - 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
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX Account # XXXX I sent debt validation and requested for information to be removed. No response from this company. I told them that this was not my debt. They have ignored me. 

The time that this account was opened, I did not own the house. The previous owner of the house must have bought a home improvement loan and now they are charging me for it. This is not my debt! This is fraud. 

XXXX XXXX has many complaints of not responding to consumers requests. They also have complaints about opening accounts in other peoples names. They dont get verification of who is the home owner and who is getting the home improvement. They are a rip off and it is messing up my credit. They are crooks. I just want it deleted. this is not my account. This makes me depressed!! 

I added a copy of my mortgage account from my credit report to show when the mortgage account began and it began after this fraudulent account was opened.
Consumer complaint received 2024-02-02
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

I called American Express because the AmEx gift card I have with money still on it does not work at any online store. It keeps getting declined. American Express refused to give me the money in a different form such as a check issued to me.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (NJ)

I am requesting My payment history to be deleted from all 3 credit experian, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XX/XX/2023. I Lost my XXXX grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.
Consumer complaint received 2024-04-03
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. lease see attached file for these items I am complaining.
Consumer complaint received 2023-06-20
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: Amsher Collection Services, Inc. (NY)

I did not give permission to any credit reporting agency, nor the collection company to furnish this fraudulent account on my consumer report ; I sent a dispute to both XXXX and Amsher collection agency and it was marked as verified and accurate by XXXX but they improperly did the investigation of verifying the dispute.They never notified me { the original creditor } to get verification of accuracy.so im not understanding why the account was not removed from my consumer report. I have been in distress due to the fact that I have been getting denied for all credit related things such as apartments and credit card loans. This has brought defamation upon my character to these financial institutions resulting in anxiety in regards to my mental health as well as my living situation.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

As I have asked before and will ask again, please provide me proof of my Full Name and address associated with my current drivers license and provide evidence this account belongs to XXXX XXXX XXXX XXXX - if you can not furnish this information along with a validation and verification, then please remove from my credit report. XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

Our company contracted with Merchant Services " XXXX '' for credit card processing in XX/XX/XXXX. Then in XXXX of XXXX, we were informed our account was now with Global Payments. However, XXXX continued to send invoices up until XX/XX/XXXX, resulting in duplicate merchant charges from XXXX to XX/XX/XXXX by the two companies. ( We now know that XXXX is owned by the parent company Global Payments. ) We were unaware that the old XXXX merchant number would be discontinued, and a second merchant account number would be created with Global Payments. Thus, we used the original merchant number to stay in compliance. We were advised by XXXX to maintain XXXXXXXX XXXX compliance and run external vulnerability scans for security and to avoid XXXX non-compliance fees. As it appeared we were complying, the parent company was charging us a XXXX non-compliant charge under the new merchant account from XX/XX/XXXX to the present. 
We also learned from XXXXXXXX XXXX that runs the XXXX vulnerability test, that since we are on a virtual payment terminal, and virtual payments are accessed by an Internet-connected web browser, that it would be impossible to detect payment transactions by running a XXXX test on our XXXX XXXX address at this physical location. It would rather be a case of testing our XXXX vendors web server at their data center where the integration between their software and merchant services takes place.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. 

The name of the Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from my credit report : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX
Consumer complaint received 2023-06-20
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. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness