davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (MI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-05
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. (IL)

Equifax is reporting fraudulent hard inquiries on my credit report, I have not authorized these hard inquries, and somebody else made them on behalf of my name : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022
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: United PanAm Financial Corp. (MD)

United auto credit Corp. Is violating my consumer right Md Judicial courts and judicial XXXX : A creditor or credit may not initiate a consumer debt collection after the expert expiration of statute of limitations, applicable to the consumer debt collection action. 
12CFR10006.34 ( b ) ( 5 ) United auto credit corp. is still placing this collection on my report.

15 USC1681 Permissible purposes.

15 USC 1681 a ,15 USC ( e ) ( b ), 15 US 1681b United auto credit is fine all of those rights. 

The owner is incorrect on this inquiry. The date of last activity is incorrect. The terms is incorrect. The incorrect date is incorrect. The responsibility is incorrect.
Consumer complaint received 2024-05-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (TN)

On XX/XX/year>, I made a purchase of a XXXX XXXX from Apple, during a promotional period where they offered an Apple Gift Card valued at {$170.00}. Subsequently, I received an email outlining the specifics of the gift card, including the statement : " Gift Card Value : {$170.00}. Redeem to your Apple Account. Use your balance for online and Apple Store purchases. '' However, I did not utilize the gift card. 

Upon closer examination of my account, which was established through Apple 's Installment Plan, I discovered that there were two separate installments listed : one for the Apple Gift Card ( Special Offer ) and another for the XXXX XXXX XXXX XXXX. To my surprise, I found that I have been making monthly payments of {$14.00} since XX/XX/year>, solely for the gift card. 

Upon contacting Apple for clarification, I was informed that the gift card was part of a promotional offer designed to deduct {$170.00} from the purchase price of the XXXX XXXX. However, this deduction was not applied directly but rather structured as an additional installment, effectively requiring me to repay the {$170.00}. 

This practice strikes me as deceptive, as it does not reflect a straightforward deduction from the purchase price as initially implied. Even during the purchase process at the Apple Store on XX/XX/XXXX, the sales representative indicated that the gift card could be used for any future purchases, which contradicts its actual terms of use. 

In essence, the manner in which this gift card offer was presented and executed deviates from the typical understanding of a gift card, which is intended to provide the recipient with a specified cash value redeemable for goods or services. Instead, it has resulted in an unexpected financial burden rather than a benefit.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am writing to bring to your attention a concerning situation involving XXXX employees and Capital One that has left me facing an unjust {$2500.00} bill. Recently, XXXX employees mistakenly loaded the wrong shingles onto my contractor 's trailer without my authorization. I want to emphasize that my contractor did not have the authority to load or operate the XXXX forklift. 

Despite providing evidence that the materials were loaded in error, I am being held accountable for the {$2500.00} worth of materials by Capital One. I strongly believe that this action violates the Consumer Credit Protection Act of 1968, as I am being unfairly burdened with a debt that is not rightfully mine. 

I refuse to pay for the incorrectly loaded materials, as I had no part in the error that occurred on XXXX ' end. I am deeply disappointed by the lack of quality assurance processes in place at XXXX, which allowed for such a mistake to happen in the first place. 

I urge both XXXX and Capital One to rectify this situation promptly and ensure that I am not held responsible for the negligence of others. It is clear that this situation is a result of a series of missteps on the part of the companies involved, and I trust that a fair resolution can be reached. 

Thank you for your attention to this matter. I look forward to your prompt response. 

I will sue.
Consumer complaint received 2018-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I bought my house for XXXX dollars on XXXX, I fixed it up and bring up the value of my house was XXXX dollars on Katrina hurricane XXXX I get the notice from my mortgage was my house will be for closer on XX/XX/XXXX. That time I rent my half of my duplex for XXXX /month. also I have to be in California to take care my Mother, while I filed the Conservator for my Mom go back to Virginia to live with me. The next day of for closer I called my mortgage about my house, the company told me no body buy my house. I came back to my house on XX/XX/XXXX I met a man in my house, he told me He just bought my house today for XXXX dollars. I asked my tenant XXXX what? why? he said on XX/XX/XXXX HE GOT LOCK OUT OF my house since.
Consumer complaint received 2023-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX  XXXX XXXX Balance : {$240.00}
Consumer complaint received 2018-08-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (NJ)

Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.SLS put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.
Consumer complaint received 2023-03-10
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. (AZ)

I checked my credit beginning of XXXX and noticed there was a fraudulent account from XXXX XXXX XXXX XXXX XXXX reporting on my credit. There is no reason this should be on my credit. It is removed off of XXXX and XXXX but for some reason it is still reporting on experian. I have provided all the information needed for them to remove this fraud account! I am submitting another FTC report and claim to EXPERIAN on XX/XX/XXXX. I am hoping the bureau will honor the dispute since it is the law.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts bel ow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Amount Date Opened XXXX {$17.00} XX/XX/XXXX XXXX  {$0.00} XX/XX/XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX {$34000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX has violated my rights. 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 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (IL)

on XX/XX/XXXX, I spoke with a customer support agent over the phone and made a payment of {$41.00} with the agent. The agent subsequently scheduled a payment to be made XX/XX/XXXX and XXXX more on XX/XX/XXXX both in the amount of {$41.00}. I was told that my enrollment in the financial hardship program was complete and that under the program no late fees would be issued and my account would have a reduced interest rate. However, the next day on XX/XX/XXXX my account was issued a {$41.00} late fee. I spoke with customer service again and they assured me that this information available on the app was not the most accurate, but that everything should be reflected accurately when my monthly statement was issued., The monthly statement was only reflective of the previous incorrect information and my account is still being reported to the Bureaus as late, there is no reflection of a reduced interest rate, And I am still being issued late payment fees. On several occasions Customer Service has hung up on me when I attempt to get any further or more clear information on the issue. They have repetitive repeatedly used the excuse that their system is performing an upgrade and they cant view any account information at this time, and that I should call back again later. This runaround has been going on for well over a month now.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I received a loan from netcredit.com for the amount of {$4200.00} XXXX to help pay off another loan from XXXX for the amount {$2900.00} on XXXX. The amount was fine but I was not told that I would being paying these statement change over fees which are simply interest to get around state law. It was oversight on my part. I'm a XXXX XXXX  living in florida and XXXX XXXX XXXX So my income I get is what I get.
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (GA)

XX/XX/2020 tried to send XXXX to XXXX XXXX  XXXX  and on XX/XX/2020 I tried to open an acron account. Recieved notice about 3rd party being blocked.
Consumer complaint received 2024-03-18
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. (MD)

To whom it may concern I reached out to all three of the reporting credit agencies and no one has been able to provide me with proof that this account belongs to me. I also reached out to the merchant, who also couldnt provide information the account belonging to me. Please find the attached letterhead, indicating that I have no account with the company reporting on my credit report. 

This account is XXXX XXXX XXXX This is Hindering me from obtaining employment
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I am stuck in a loop trying to verify my identity with Citi 's fraud prevention department. They don't use any reasonable information like SSN, address, previous addresses, and have ruled out my phone number based on their algorithm even though it's the only phone number that has ever been on the account and I've had the account since 2015. They only allow me to verify my identity with using a letter that they will send me. I've already gone through this process a week ago, and then when I went to add my new card to my digital wallet, they flagged me for fraud again and now I have to do this whole process again that takes 10 days because they won't accept any other form of verification. The letter that they sent last time didn't even have a specific code or anything on it, it was just a generic letter saying I should call the fraud department. They when I told them that, they were then able to verify my identity using my phone number. But that same phone number isn't good anymore a week later. It makes no sense. I tried calling the executive resolutions department and just got their voicemail.
Consumer complaint received 2024-05-10
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: DISCOVER BANK (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to XXXX XXXX or XXXX XXXX, i am livid with the Experian XXXX, who refuse to assist. Also lied about a XXXX  being available to assist with my request. My name is XXXX XXXX and the have it on my report as XXXX XXXX, i have never signed with any company going by XXXX XXXX. And all my years of having credit I have never encountered such errors as these people seem to have on my reports. I mean ALL 3 of them, Experian, XXXX and XXXX. I had to take off from work to get on the phone and just be disrespected when I am telling these people who I am and what my information is. They are refusing in most cases to assist. It's like they have been told not to help us. I am very upset and i want my report for all 3 bureaus to show correct. I have been denied credit, credit increases, and given higher interest rates for some of this bull XXXX that these agencies are reporting. I have never had to file a report of this manner to anyone, BUT with this rudeness and refusal to fix my information by phone when they have my ID and bill information on file, is beyond me and i am sick on talking to them to get my information correct. They have a XXXX payment report of late on my report and i have not been late, i paid my vehicle off early and was not late at ALL. I need these things to be corrected and updated on my report. I called XXXX and they said they don't have the information of me being late and they did not report it. My only name is XXXX XXXX and my only address is XXXX XXXX XXXX  XXXX  GA XXXX no other statements or addresses should be showing on my report. The late notice from XXXX should be removed immediately from my report. I was told a long time ago that they would correct this. Thank you for assisting me and if you need any more information, please reach out to me.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

XX/XX/XXXX : I purchased an e gift card from amexgiftcard.com run by American Express Travel Related Services Company , Inc. and its subsidiaries and licensees that issue prepaid cards, including American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX : I attempted to use this card at over 20 merchants online. All were rejected except for use at XXXX There is no physical card for me to try in store. I was able to use {$170.00} of the gift card in multiple transactions on XXXX. however, XXXX now says Amex is declining payment for the remaining balance on my card of {$120.00}. Amex gift card support is worse than useless, they are combative, nonsensical, and will not assist me and want to keep my funds illegally. I have sought assistance from amex gift card support multiple times and they refuse to assist me with getting access to my funds. This fraudulent company should be investigated, fined, and forced to issue restitution to the consumers it has defrauded.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IL)

" I am experiencing communication tactics issues with LVNV FUNDING LLC. Despite my requests to cease communication or limit contact to specific channels, they continue to harass me with repeated phone calls. These calls are often made multiple times a day, which is disruptive and causes undue stress and XXXX Additionally, some representatives of the collection company have used abusive language during these calls, further exacerbating the situation.
Consumer complaint received 2021-10-08
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. (IL)

XXXX, XXXX, EQUIFAX, and XXXX is reporting Multiple XXXX/ XXXX XXXX  accounts on my credit report it infringement upon a consumers rights to privacy pursuant 15 USC 1692
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (WI)

Heights Finance has not updated my balance paid or reported to all three credit bureaus they have not reported an updated balance since XX/XX/2023 and I am not late on my payments, I am entitled to this information as it is my credit report and I am the creditor. My credit was suppose to increase with on time payments but they are not reporting and it is a violation to my rights.
Consumer complaint received 2022-02-21
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. (MI)

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2024-05-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc (VA)

I have been contacted multiple times by Synergetic Communications to collect a debt from XXXX. After weeks of runaround, the debt was paid on XX/XX/XXXX. XX/XX/XXXX, I was contacted by this company again for another debt with the same dr office. I told them not to call me again and to email me the original debt, any signed contracts and proof of debt. They are continuing to call me during my work hours and have not proved the debt to me. The Dr office says I do not have another debt with them. This should not be reported on my credit score due to it being incorrect and acts of false reporting as well as harassment.