davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

To whom it may concern, I faxed over a multiple inquiries letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in   XXXX    days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (MD)

The unverified accounts indicated below to 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 these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Credit Acceptance offered a settlement agreement amount to settle my account with them through The law firm XXXX and XXXX. I paid the settlement amount in XX/XX/23. I waited more than thirty days for them to report the payment to my credit company XXXX but they have yet to report the account has been paid. Ive submitted several disputes regarding this account through XXXX but Credit Acceptance has not taken the necessary action to get this account resolved and closed. I have submitted the documents from XXXX and XXXX showing the account has been paid in full to them but they still reporting this account open on my credit report and its hurting my credit score. At this point its false information because the account has been paid.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Zions Debt Holdings (TN)

A report was filed with the credit bureau that I owed over {$1800.00}, which I do not. 
I looked up and called Zions Debt holdings File number XXXX in XXXX Utah XXXX 

The lady on the phone asked if the last 4 of my SS number were .... and she was correct. I did not supply the information. She said she could see that i did not owe any money to XXXX. I demanded it be removed and the credit score reversed. I do not know if this will happen. 

If you read EVERY SINGLE review, including with the XXXX states  the same thing, the company appears to have old acount info from home security companies and reporting volumes of debt to the credit bureau that do not exist. 
How and WHY are you allowing a bogus company to negativey affect so many innocent people???? 
They should be BANNED from being able to report anything against consumers. please investigate and stop this government sanctioned fraud.
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (ID)

I have a line of credit on PayPal. I was unaware that they would hit my bank account and credit card as my preferred payment for online shopping causing XXXX overdraft fees and a negative balance on my PayPal account which I don't understand how that works. I tried calling multiple times to dispute them using my bank account instead of the line of credit for online purchases and couldn't get any answers or have them refund me the overdraft fees they caused. I tried to access their community forum and was rejected access to that to see if someone could help me understand the negative balance. I removed my credit card and debit card from their access. They're charging me increased late fees from {$30.00} to {$41.00}. I tried to change my payment due date online but the request was denied so I called them to change it which was done for the following month. I feel like I'm in a quagmire of fees, interest and deceptive practices by PayPal to get more and more money from me.
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACQ Holdings, LLC. (TX)

I received an email from lending tree. The email stated that I was approved for a loan for {$8000.00} the gentleman said you're approved but we need to try to raise your credit score a little bit more so we need some information that gentleman 's name was XXXX XXXX so he sent me another email to help me with my raise my credit score so I filled it out the email but not really paying attention and I send it back to him not realizing I put my bank information on that letter another gentleman called me named XXXX he told me and he also sent me an email to me I you need to remove any money having the bank move it to another account and I'm going to go ahead and help you is it okay so I did then he cost me back and he says I need you to go to XXXX I need a barcode from there and then when I realized go to XXXX I called the bank I told him look I'm not the one doing this transactions he started like going into my account doing disputes while he disputed what transactions from easy Cash ASAP and they're random they're not exact amounts that I took out loans for so then my bank account was restricted it was closed and I'm unable to open to make a calendar I called es easy cash and I told him what happened I was scammed and that they were targeted and that she's like well her name was XXXX she's like well I can help you she goes they were alone and I said no ma'am they were not alone they were dispute and she goes you have to do a chargebacks and I said I understand but I don't owe you that many I paid y'all those I paid the loan except for XXXX loan did I still owe them and I have not paid them yet because I'm trying to like figure out why she's telling me that I owed her for payments to XXXX XXXX of XXXX and XXXX the XXXX is true I'm out but that XXXX XXXX and a XXXX I don't owe them that and the bank coming that those amounts were not the amounts that were disputed by this company called lending tree they told me they were going to give me a loan and they didn't they but they did mess up my whole bank account and they messed up easy cash now the lady is calling me every single day XXXX XXXX mean that I need to pay her {$320.00} for XXXX  months and then she'll figure out how much I owe her after that to settle a debt that I have with them I didn't disagree I just told her I don't feel that I owe her the money that money because the bank told me different amounts and she disagreed she said she didn't turn me into her law office I told her you know that I mean I'm trying to help settle with them but they don't she doesn't want to accept that amount that my bank told me that they did that was too that they did with the bit what they did was fraud you know the fraud the scammed that I got scammed.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

We had previously had an ACH set up on this account that would always pull a month early. For example, it would pull XX/XX/XXXX for the XX/XX/XXXX payment. However, after updating the extra principal amount for this loan to round up to a flat amount of {$1000.00} the entire ACH and payment process has turned into a disaster. 

I keep having people message me on the portal stating that the ACH will successfully process a month early, yet this never happens. I made a XXXX payment early on XX/XX/24 in the meantime since the portal stated that an ACH would not process until XXXX for my XXXX payment, even though I wanted it to pull on XX/XX/XXXX. However, when I went to check my portal today they had completely reversed my XX/XX/24 payment and it says that my last payment was received on XXXX. I even have a payment confirmation email that I have attached from XX/XX/24 stating that I made a payment to my mortgage, so basically they have straight up lied in their communications to the borrower. I am not sure what is going on with this servicer. All I want is for an ACH to process the first of every month with an additional principal payment of {$42.00} for the payment due on the following month for a flat amount of {$1000.00}. I have communicated this to them via fax and portal messages, yet they still can't do it properly.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (PA)

On XX/XX/2023, I disputed incorrect information for serval different items reporting on my credit report. I have yet to received word back from the credit bureaus explaining that they are investigating my dispute. Pursuant to 15 USC 1681i subchapter III they are violating my rights. I have try to resolve the issue multiple times before my first complaint with the CFPB on XX/XX/2023. I'm contacting you again to see can help me resolve this matter. I wish to have these accounts REMOVED from credit report entirely.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

Financing by synchrony allowed a card to be opened in my name. Shockingly the account reflects a payment was made. I request all bills to include what account the payment was made from. The debt was sold to XXXX XXXX. However, they have nothing to do w/the information I am requesting. I am requesting information to show when an application was submitted, bills and or anything relevant to this account. Synchrony is the original debt collector and should be able to fulfill the request. Lastly, I find it less than a coincidence this company also maintains Lowes credit cards. Maybe an investigation should be done on that and/or the Lowes in XXXX XXXX Pa and see if more complaints pinpoint that store/company.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Fraudulent Charges : XX/XX/XXXX and XXXX of XXXX there were a series of 4 charges made in California ( CA ) on my credit card. I called USAA, disputed that charges as I live in New York and was in NY when the charges took place. They were promptly removed from my account. 

Whole Foods - {$29.00} Whole Foods - {$68.00} XXXX - {$6.00} XXXX - {$11.00} Fraudulent Charges Reinstated : XXXX of XXXX the charges reappeared and after calling, I was informed that an investigation took place and based on login activity on my USAA banking app, my IP address showed me in California. This is a flawed method, as I use a Virtual Private Network ( VPN ) that masks my IP address and routes it through other servers ( which will make me appear to be in different locations such as California ). 

Attempts to resolve : I've since called in to USAA on 10 separate occasions. There have been 4 different dispute tickets filed by a member of their Member Resolution Team ( XXXX ) which were supposed to review documentation I provided proving I was in New York, not California ( other credit card statements showing NYC transactions and Google Maps history ). Each time the member of the fraud team states that IP address data shows I was in California and thus the determination that " the member '' ( me ) is liable for the charges. 

Documents provided to USAA ( Proof of me in New York ) : - Proof of XXXX - XX/XX/XXXX XXXX Statement ( XX/XX/XXXX charges ) .pdf - shows transactions from my Chase account for New York restaurantsXXXX public transit ( XXXX  ), etc on XX/XX/XXXX and XXXX of XXXX ( the dates USAA claims I was in California XXXX. 
- Proof of XXXX - XXXX - Screenshot of my XXXX Maps data from XX/XX/XXXX which show me traversing XXXX.
Consumer complaint received 2023-05-31
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: Zions Debt Holdings (KY)

ZIONS DEBT HOLDINGS, XXXX and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the XXXX XXXX I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (TX)

I have reached out to CCB/Ulta twice now over the last couple of months and they have just ignored me, even though with my mail app, i know they received the letters. In short, i am/was begging for mercy on ONE late payment, late last year due to an illness, on a card i use regularly. I have been on time ever since and i was before as well, and they ignored me and my family 's hardship without even a response. I thought better of CCB honestly. I know the credit bureaus will work will report WHATEVER CCB tells them to, even XXXX XXXX XXXX helped me out during this dire time with a goodwill correction. That is all i was asking for and they could not even respond. It was for a late payment in XXXX of 2022 and i was asking forgivness for just this ONE month, actually begging for it, and was ignored. They should have to respond and say that they will be generous or they wont be. I will attach my two letters that were not responded to.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXX and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a XXXX tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXXXXXX XXXX where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called XXXX to report the fraudulent account. I spoke with a representative in the XXXX XXXX Department, XXXX, who advised that the account was opened using the XXXX XXXX XXXX XXXXXXXX address. I had not been living at this address for XXXX years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On XX/XX/XXXX, I sent XXXX a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been XXXX days since I sent XXXX the letter of request for business records related to this fraudulent account and the only correspondence I have received is an Affidavit of XXXX form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to XXXX, disputing the account with all three credit bureaus - Experian, XXXX, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that XXXX, XXXX, Experian, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (SC)

I contacted Exeter Finance to make a payment last year from a family members phone. They asked me for consent to auto dial I told them no. They asked for a phone number I told them I did not have a phone number at the time and was using a family members phone. This phone number does not belong to me. The agent proceeded to take the phone number from their caller ID and add it to my account despite me advising the phone does NOT belong to me. Fast forward to this year, they called my family member on XX/XX/2023. On this date, I again told them this phone does not belong to me and requested a cease and desist. The agent entered the request and transferred my call to another department. I asked the agent who answered my call if the notes indicate a cease and desist request on this phone number. She assured me that it does reflect that. I again explained that this particular phone number is not mine and to not call my family members on a phone number that I never gave them regarding my debt again. She assured me that request was submitted. On XX/XX/2023 at XXXX XXXX they called my family member regarding my debt again despite me never providing their phone number nor giving them permission to use it, and then requesting a cease and desist on the phone number. The company has a valid email address to contact me which is the best method of communication and they use it. They have no reason to call someone else regarding my debt. They can discuss that with me directly. My family member did not sign anything regarding this loan. The phone number my family member has was not even in service when I signed the loan, therefore it was never used as a reference. They had absolutely no permission to put that number on file for any reason. This has caused me undue stress as my family has no business in my finances.
Consumer complaint received 2022-12-21
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. (MD)

The unverified accounts indicated below to 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 these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, a company XXXX made a hard pull on my credit. Their information was provided as such : XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, XXXX XXXX Apparently someone was trying to rent housing in XXXX  Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

XXXX other previous dates, there were hard inquires for Renting. Iv owned my own home since XX/XX/XXXX. 

XXXX was a resident XXXX XX/XX/XXXX, the other was XX/XX/XXXX by the same company.