davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (OH)

I have no knowledge of XXXX XXXX XXXX Acct # XXXX. This is still a violation of my FCRA rights, as I did not give consent to any debt collector. 15 U.S Code 1692 ( C ) ( A ) states I have to give consent to text, call or email from a debt collector and I have NOT. This is not a fair practice and my rights have been violated! I have attached screen shots below of unlawful contact. Also, under 15 US Code 1692 it states I have a right to privacy.

This is in direct violation, and I will sue under 15 US Code 1681N ( A ) ( 1 ) ( A )
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (TX)

I ordered a product from XXXX XXXX which XXXX XXXX promised to deliver by XXXX before XXXX. They did not deliver it until XXXX after XXXX. I opened a dispute due to the product being late. I paid with PayPal credit. PayPal closed the dispute because they said the product was delivered. They did not address the issue of the product being late. When I tried to supplement the claim PayPal 's website malfunctioned and would not take the additional information into the dispute. I tried chatting with an " online assistant '' but it was a robot and did not solve anything, it just kept sending me to info pages.
Consumer complaint received 2023-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (AZ)

What a misleading scam. I was " pre-approved '' with " outstanding '' odds of approval. I applied and submitted all sorts of documentation. Problem is they didn't even tell me that I was now applying for a " secured loan. '' The loan I applied and was pre-approved for was a non secured loan. They never got received my permission to move forward with an application for a secured loan. I would never have even submitted to a credit check for a secured loan. I consider this bait and switch, fraud and I'm filing banking complaints and a XXXX  complaint. This is not the way to conduct business.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX increases my balances and interest on a closed account and tagged it adjustments, on XX/XX/XXXX and i lost XXXX scores XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX on XXXX .find attached the evidence attached. These adjustments were the payments I made from XX/XX/XXXX. Which XXXX XXXX XXXX reported to credit burea that I never paid then I filled a claim with my bank where they payment was deducted from my bank account but XXXX XXXX XXXX refused to respond to the bank dispute and sent me a mail to ask my banks to write with letter their letter heading that the payment was reversed in error because XXXX XXXX XXXX got a letter from Consumer finance protection bureas they want to push the blame to my bank. Since my bank refused to write the letter XXXX XXXX XXXX wanted to cover their discrepancies they increased my balance on a closed account I no longer use the card .how did the balance increase .this is a clear indication that XXXX received all my payments and still added negative remark on my XXXX and equifax only because XXXX had disputed the account and know their deliberate discrepancies. 
XXXX and equifax responded they are investigating the case since last year XXXX till date because XXXX XXXX refused to respond to my dispute but credit burea kept reducing my credit scores on this XXXX XXXX XXXX reported lies.
Consumer complaint received 2024-01-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (TX)

Collection Dept. at Regional Acceptance does not answer after sending last four of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left three messages with recovery with call back information that for three weeks. ( Nothing )
Consumer complaint received 2023-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Michael Harrison, Attorney at Law (NJ)

I received laboratory services from a provider that was not covered by Medicare although I did not know it at the time and when I received my Medicare statement, it showed the charges and stated that Medicare did not pay anything because the provider was not covered by Medicare when I received the service. I was contacted by an attorney to collect the debt. I mailed him the Medicare statement showing that the maximum amount the I should be billed is {$0.00} and also sent information about the Medicare No Surprises Act. I received any letter asking for the claim form from my secondary insurance provider ( XXXX XXXX XXXX XXXX ). They did not pay anything because Medicare did not pay. I recently received a third notice from the attorney demanding payment.
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. (PA)

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX bankruptcy discharged .
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY (TX)

My loan number is XXXX, and I attached three documents : 1. The first document is a response from XXXX XXXX through the CFPB. The bank indicated that the payment was successfully sent to American Express. 
2. The second document is a letter from XXXX XXXX indicating the payment was sent successfully on XX/XX/year>, and the trace number. 
3. A letter from American Express mentioned the company needed help locating the payment. 

I communicated with American Express on XX/XX/year>, when I noticed by American Express that the company had yet to receive my payment ; therefore, on the same date, I agreed with American Express payment center to ACH for the amount of {$800.00} payment to process my bank account. Three supervisors from the American Express payment system investigated the missing payment since XX/XX/year>. 

In addition, American Express did not charge a late fee, which I am very thankful for. 

Since American Express has the date, payment amount, and trace number with a confirmation from my XXXX XXXX, I am asking American Express again to investigate and help me, a good-standing customer, locate my {$800.00} payment and credit my personal loan account. I hate to file this issue with American Arbitration due to the payment missing and my frustration for almost one year. I intend to locate my hard-earned money that I made payment to American Express . 

Thank you, XXXX XXXX
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: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only one hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are two hard inquiries on XXXX credit report and one hard inquiry on my XXXX credit report. There should only be one hard inquiry on my credit report. I am therefore asking Hyundai Finance and XXXX XXXX to remove the unnecessary hard inquiries from my credit report. There should only be one hard inquiry on my credit report.

I authorize the sales agent to do one hard pull on my credit report not three hard pulls.

So, two of the hard pulls down on my credit report was not authorized by me and I want them removed immediately.
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. (GA)

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 # XXXX never been late or missed a payment. Account # XXXX Account name : XXXXXXXX XXXX XXXX not mine Account name : XXXX XXXX XXXX Account # XXXX, Account Name XXXX not mine bank Account # XXXX Account name XXXX XXXX  Account XXXX not mine Account name : XXXX XXXX XXXX not mine Account # XXXX incorrect personal information Address XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Address XXXX XXXX XXXX XXXX violated my rights 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 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 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (UT)

1. On XX/XX/XXXX Valon Mortage acquired my loan. When it came time to pay my property taxes they contacted the county of Utahs tax assessors office. 

2. The tax office informed them that I did not owe any taxes due to the fact that I was under a veteran tax abatement program. It wasnt until XX/XX/XXXX that I directly contacted Valon and they responded by stating that I did not owe any taxes. 

3. So between XX/XX/XXXX, and XX/XX/XXXX they failed to communicate this issue. The Lack of communication meant that I continued to pay each month the additional {$300.00} dollars towards my escrow account. 

4. With a high balance in my escrow account I decided to fire Valon from holding my escrow account. So on XX/XX/XXXX, I completed the necessary form in order to stop this action. 

5. On the XXXX of XXXX they still did process the action of reimbursement. So I spoke to XXXX, she was a customer service college from Valon. 

6. My only request was for them to expedite the process of reimbursing me. She then contacted XXXX the manager of the escrow department. XXXX reply was no. My reply to XXXX was to stop the auto-pay. She then proceeded and stopped the auto-pay. 

7. So on XXXX XXXX I contacted Valon again, and asked if the payment could be expedited? The person responded by stating that it will take an additional 14 days for processing it and sending it through a non traceable means. ( Snail-mail ). 

8. I then replied by stating that this was unacceptable and suggested that they send the check via XXXX XXXXXXXX or USPS priority air. 

9. I have not received a new reply from Valon on expediting the escrow payment. I am not going to accept their policies on standard processing times. This is my money and I deserve better.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

XXXX XXXX XXXX XXXX VIN Number : XXXX XXXX NOTICE for requested documents Company is illegally attempting to repo the vehicle, they were ordered to Cease and Desist Harassment Pursuant to 15 U.S.C. 1692d
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Avid Acceptance, LLC (IL)

Needed assistance with obtaining another vehicle because the vehicle I leased through the finance company will no longer be in my possession because I was rear-ended from someone that did not have any insurance and my insurance company first gave me an estimate to fix the vehicle you did not want to pay so they contact my finance company to pay them XXXX which the vehicle is at {$16000.00} which I had the vehicle since 2021 of XXXX and when I first got the vehicle it was at maybe XXXX so nothing went down under vehicle in a vehicle is at still XXXX not only did the finance company settle for the settlement from the insurance company they were not willing to help me with obtaining a new vehicle through them when I was not the cause of the accident
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Several fraudulent charges were made onto my Discover credit card, I filed a case with Discover and they originally refunded me for all the charges ; but for whatever reason they charged me again for half of the fraudulent charges even after they reassured me that all charges would be covered. I had to escalate this to their customer fraud support team, and also had provided them with a Police report, showing the case was approved and that all charges were in fact fraudulent. I submitted this all to their fraud team and they conducted an investigation and at this point they for whatever reason denied the refund of all the fraudulent charges. Even with the police report showing the charges were fraud, and them reassuring me that all of the charges were going to be refunded, they went back on their agreement. Throughout the investigation, not once ever received any calls or emails in regards to the status and what they needed from me until I reached out to them multiple times to get updates. The last time I received our was on XX/XX/XXXX, and they stated that they had closed to case because they needed more information, and they not once contacted me in regards to this, I asked what information they needed and they said they needed information on the suspects the police department has in regards to the police report, which I can not find them a suspect that is the job of the police.
Consumer complaint received 2024-01-31
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Tried to use the American Express gift card I got at XXXX, XXXX, and various other stores. Charges 10 cents per purchase but no actual purchase is made because the card keeps getting declined. It has {$100.00} on it.
Consumer complaint received 2024-05-03
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: EQUIFAX, INC. (PA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : 1. A copy of the original Bill of Sale or Assignment document legally transferring this specific account and amount from the original creditor XXXX XXXX to your collections company. 

2. Proof that you are licensed to collect debts in Texas.

3. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I ordered my early warning services report and my entire banking transaction 's are listed in that report. According to early warning services the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of XXXX XXXX XXXX XXXX of opt out notice to consumers ; opt out methods. 

( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX