davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I applied for a program that Huntington Bank is offering called XXXX in XX/XX/XXXX, the program is designed to help small businesses during the XXXX. The qualifications are simple you must be a minority or a veteran and you must per the loan banker have a XXXX credit score although my personal credit score was XXXX. I applied and was told I was denied credit due to items listed on a XXXX XXXX credit report of items reporting in XXXX, and XXXX. I was told if I had a bankruptcy it was ok it was not a disqualification, however, I did indeed file bankruptcy in XXXX and it was removed from my credit reports in XXXX. Huntington has begun to forego the typical credit reports ie : XXXX, XXXX, XXXX, but I was told have began to lean on XXXX XXXX and I asked how is it that items from XXXX can be used against me and XXXX, I was even told the underwriter noted my bankruptcy that should not be even be showing on a credit report and definitely should not be used against me being that I have maintained my credit since filing in XXXX. The loan representative said my credit score was not the issue but rather the dated credit issues from years past. I then went on to ask who are they lending to under this program because with the so-called qualifiers I should have been approved, she explained but then XXXX does a secondary qualification on their own without notifying the consumer. I was unaware of this and I feel frankly it is another way to disqualify minority groups from funding. I do not understand how credit blemishes from many years ago were used versus good credit history of present. This program is being advertised as a way to help disadvantaged communities with small businesses in mind and they definitely are not assisting those communities with these bogus unfair practices. It seems XXXX and it seems unfair and lopsided in the information being provided to customers.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am an authorized user on a Credit Card issued by " XXXX XXXX  '' I disputed an effort on my credit report. I disputed the fact that the credit card limit changed. I disputed this because it affected my credit but not my husband 's. 

Now trans union has removed the entire account. Dropping my score by 174 points. I am about to close on a house but I'll lose.my home if I don't get this fixed. 

XXXX is refusing to contact transunion and transunion is refusing to contact chase. Transunion says it can be fixed if chase will contact them. XXXX says it's permanent. 

I'm not sure how this is in compliance with the Fair Credit Report Act.
Consumer complaint received 2024-03-27
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. (MD)

The Credit reporting agencies XXXX, Equifax, and XXXX gave out or sold my PERSONAL PRIVATE address which I ONLY UPDATED WITH THEM. 

NOBODY ELSE HAS THE ADDRESS and now, I am being harrassed by XXXX XXXX XXXX AT MY NEW ADDRESS. 

I WAS NEVER IN CONTRACT WITH XXXX XXXX XXXX NOR DO I WISH TO BE IN ANY CONTRACT WITH SAID COMPANY. 
THEY RECEIVED SEVERAL CEASE AND DESIST LETTERS AND I HAVE TOLD XXXX, EQUIFAX, AND XXXX AND THEY CONTINUE COLLUDE TO CAUSE ME HARM. 

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that needs to be deleted.

THE FRAUDULENT COLLECTION ACCOUNT FROM XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. THERE IS NO NEED FOR YOU TO CONTACT THEM BECAUSE THEY HAVE NOTHING TO DO WITH THIS MATTER.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

I DO NOT CONSENT TO XXXX, EQUIFAX, XXXX SHARING MY INFORMATION WITH THIRD PARTIES.
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (AZ)

I REPEAT This is not a duplicate, My first dispute you ignore " NOT MY NAME '' part of the dispute. This is my second time disputing and my LAST TIME trying to fix this issue before I file a lawsuit for Amenity, Statuary & Emotional damages. 

The original contract from ( Speedy Cash ) doesn't have my name. Copy of the AD ASTRA paper work they sent me via verified mail doesn't have my name, which is a major violation, so how are you verifying this debt? So I recommend you do a careful Investigation over the highlighted area on the documents that is attach. Under the FCRA 1681i That is Not My Name On The Original Contract so Delete this debt off XXXX  & XXXX  or I will be filing suite
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (UT)

BSI FINANCIAL SERVICES - XXXX is reporting a late on my credit file from XX/XX/20. At this time i did not have access to my bank information and i made several attempts to make my payment over the phone and online with my debit card and they refused to take my payment. I was stuck out of town due to COVID and had no access to any of my information. Once i got back i was able to successfully make my payment but when i checked my credit file and saw the late. I was very disappointed. I was not trying to be late and since i had been in communication trying to make my payment i thought i was fine. I am very frustrated with BSI, i was never told i would get a late marking on my credit file and like i said since i was in constant communication with them trying to resolve this issue. It was truly out of my hands and feel as this late notation should have not been added to my credit file. I would like BSI to remove this late from my credit file.
Consumer complaint received 2022-11-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

See previous complaint Ally failed to lower the XXXX percent interest. Ally charges excessive late fees. I worked as an essential worker during the pandemic. I am filing an employment retaliation lawsuit in less than a week. I also have mediation in my housing lawsuit against XXXX Bank with my home of XXXX years. I am represented by XXXX XXXX and XXXX XXXX for my housing case. Ally is threatening to repossess the vehicle. I have became discolored from the stress, harassment, and retaliation from working and testifying. 
Ally auto agent pressured me to make a promise when I told them I can pay at the end of the month. 
Ally calls a XXXX times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (SC)

On XXXX XXXX, I attempted to purchase a XXXX e-gift card through XXXX. My purchase was declined due to card information error, I was prompted to correct the information and retry the purchase. I did as prompted, and was declined again, for the same error. I was using a virtual card, issued by Current bank ; reason being my physical card was cancelled without my knowledge or consent, a week prior to this incident. Apologetically, I seem to have numerous issues with Current bank, or the current account through XXXX XXXX XXXX. I checked my account on XX/XX/XXXX, to find four pending transactions to XXXX, each in the amount of XXXX, with a negative balance. Upon speaking with a XXXX representative, I was assured that this was a temporary hold, or " ghost charge '' and would resolve in 3 to 5 business days, as there was no purchase made. I immediately contacted current through chat, in the app. I was repeatedly told that they have no way to clear pending transactions, it was up to XXXX to drop the hold. At this point, I began my research and found this avenue. I contacted the bank three more times, each time asking to have my issue escalated to management, and was told every time that it would be useless to speak with management, and given an opinion on how management would handle my issue. I subsequently e-mailed customer support twice before getting a response that a compliance team was reviewing the issue. It's been longer than five days, all other pending transactions have cleared, however these four are still pending. With no further response on the e-mail, and the same in app chat run around.
Consumer complaint received 2021-02-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Exeter Finance, LLC. (FL)

On XX/XX/2021 a vehicle was purchased at XXXX XXXX in XXXX, Alabama. The amount advertised was {$18000.00} and the amount financed is {$19000.00}. By the time I will be done paying for the vehicle, I would have paid {$38000.00}. I have reached out to the company via mail to get the issue resolved.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Sir/Madam, I am writing this letter about my XXXX debit card account my name XXXX XXXX XXXX and i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX.. my previous address was XXXX XXXX XXXX XXXX XXXX ca XXXX With due respect I would like to state that on XX/XX/2020 I requested for freezing my XXXX card account due to identity theft because someone is pretending to be a worker from the XXXX and tricked me into giving my details..
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed this inaccurate bankruptcy & items associated with bankruptcy since XXXX of 2020, and after each dispute the 3 credit bureaus, XXXX, TransUnion, & XXXX  stated that the information was verified and obtained accurate information from a third party vendor XXXX and that I should contact the vendor directly. I have contacted XXXX who sent me a response stating they are unable to locate a file sufficiently matching the data that the bureaus, XXXX, TransUnion, & XXXX  are reporting on my credit profile.
Consumer complaint received 2021-02-16
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: Resurgent Capital Services L.P. (MD)

I have contacted LVNV Funding whom is doing business as Resurgent Capital Services on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV/Resurgent a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. I filed a complaint with my local police department and put the information in my police report. Prior to sending the affidavit I sent a letter to LVNV/Resurgent Capital Services to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX XXXX ) and LVNV/Resurgent Capital Services disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV/Resurgent Capital Services and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Consumer complaint received 2021-02-16
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. (GA)

I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.
Consumer complaint received 2021-02-16
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: SYNCHRONY FINANCIAL (MD)

I misplaced or lost my Card Credit credit card. I called Care Credit and told them this, they said they would send out a new card. However, they did send a new card out but only to find out that they closed my whole account out and opened a whole new account and reported this to all of my credit bureaus. This cause my credit score to decrease. I called Synchrony Bank and explained what they did and how it effected my credit score and they told me they would fix it. Today, I received a letter stating that there was nothing they could and sometime credit scores are impacted. I have never in 30 some years had a lost card, and then have my whole account shut down and a new one opened and it then be reported to my credit bureaus. I have always just had a new card sent to me. Synchrony Bank is doing allot of things that I have never seen or done before. I really think someone needs to be looking over there work. I had a past issues with Synchrony Bank giving me line of credit, then going back and reducing it so I would have to pay an over the limit charge too.
Consumer complaint received 2021-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

Received a letter statement in the mail on XX/XX/21, dated XX/XX/21 from Credit Collection Services, stating I need to pay {$120.00} and the Creditor is XXXX XXXX XXXX. 

My name was slightly misspelled and I paid this bill to XXXX in full, so I went online and looked up the phone number provided and the name of this " collection service ''. There is conflicting information, some stating it is legit but with a bit more digging, this is a scam.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (PA)

my boyfriend went through credit acceptance ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my credit
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NY)

I am writing today in regards to my account with Syncb/amazon account # XXXX the reason for me writing in is because I have 2 lates reporting 1 in XX/XX/2020 and XXXX in XX/XX/2020. I have been impacted by the natural disaster declared by FEMA, Covid which has impacted me has effected my ability to make those payments. As soon as I was able to I got those payments made.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (CA)

My car lease was scheduled to end originally in XX/XX/XXXX, but I requested and was granted a 6 month extension at that time, extending the end of the lease until XX/XX/XXXX. 
In XX/XX/XXXX, I was under stay at home orders and in lockdown due to rioting and looting in XXXX XXXX. No Dealerships were open or taking lease end cars in at that time. I had no where to return my vehicle. I contacted XXXXXXXX XXXX XXXX  to ask what to do. They issued a deferrment, which deferred my lease payments. I was under the belief that it was another extension, so I continued to make my car payments as usual. I also continued to receive statements from XXXX XXXX XXXX showing me how great I was doing with my payments and no action was required by me at that time. As such, I believed the matter non urgent as long as I continued to pay. I was dealing with a personal health crisis with my dog all summer long, in and out of vet emergency hospitals, so I didnt have the luxury of car shopping. 
I continued my payments through XXXX and XXXX, and also communicated to the company I was going to look into another lease from them, or possible purchase the car. There did not seem to be any issue with this arrangement. With dealerships not accepting cars, why didn't Chase arrange to pick up my car if they wanted it back? My payments were pre-paid through XXXX of XXXX. In XX/XX/XXXX, Chase charged off my lease. It hit my credit for 150 points and made it impossible to get a loan to purchase the car, or any car. They ruined my handyman business by repossessing the car in XX/XX/XXXX. I had no way to work without my car to carry my tools. 
I had a stellar record with this company for my previous 2 XXXX purchases ; with this action, even though there was open communication with them, took the route to actively destroy my credit, while I was 100 % current with my payments. 
I am attaching copies of my payment history at 98 %, and the statements from chase AFTER my lease was supposed to be up, showing no problems or issues. And a sign from the dealership stating no returns would be accepted.
Consumer complaint received 2021-02-16
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. (WA)

I have filed countless disputes into erroneous credit inquiries into my credit report thru Equifax. They sent me a blanketed letter on XX/XX/2021 stating that they verified 11 of the inquiries. But how did they do that when I have not received any proof that these inquiries are mine which they are legally supposed to supply. They have by law 30 days to verify this info or it must be deleted. They have not verified this info as they are also not allowed to use their E-Oscar system to verify things as they must verify info thru the original creditor to accurately verify info which they have not done so. I have received zero documents in the mail verifying these inquiries. They do not get longer than 30 days to verify info. Not 45 days. Not 60 days. Only 30 days. They are illegally reporting erroneous and unverifiable info on my credit reports still. I will be seeking legal council and taking this to court if they do not remove these illegal unverifiable injuries from my report as this is now defamation.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC ()

Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by sequim asset solutions in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called XXXX XXXX, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.