davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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: Georgia Student Finance Authority (GA)

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TN)

Payment on my American Express card was due Sunday, XX/XX/XXXX. In error, I scheduled payment for the full balance for Monday, XX/XX/XXXX, resulting in an interest-on-purchase charge of {$250.00} and a late fee of {$29.00}. Amex agreed to waive the late fee and credit back {$100.00} in interest as an accommodation but would not waive the full amount of interest. 

This is an outrageous business practice that the Bureau should address by amending Part 1026.10 to require card issuers to consider a payment received on a Monday as made on time when the payment due date falls on a Sunday.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (GA)

XXXX XXXX, I purchased a bed from Amercan First Finance in the amount of XXXX. I have paid each month on time since, I received an extension for my last payment to be deducted for XXXX XXXX. I was informed by a represenative that since i did not make the final payment on XXXX XXXX, that i would incur another amount for XXXX. They explained to me that it is in my contract, I was never told verbally that this would be the case, or the was the date to make that last payment. I called today thinking this was be my last payment. I refused to make a payment with this new stipulation that they are verbally informing me about now. I do not want this to become an issue with my credit.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

Citibank sent me a notice on XX/XX/2017 notifying me of a message of account closure. I logged in to see that they had closed my account unilaterally without prior notice. Closure was for non-use. My issue is that I was not notified and given the opportunity to use the account to qualify to have it remain open.

This is my longest running credit and will adversely affect my credit score. Its poor practice to not allow me to address before the account is closed Additionally, when I called to have the account reinstated, I was told the only way the account could be reopened is if I did a full reapplication that includes a credit bureau pull.

Citibank created a situation in that there was no way to avoid my credit score being impacted.
Consumer complaint received 2024-03-29
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-30
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: CCS Financial Services, Inc. (PA)

CCS COLLECTIONS, who either bought a debt, or are collecting on a debt for XXXX XXXX XXXX XXXX are reporting this account to my credit report. They are doing this for one reason, to extort money from me. They never reported the account when it was opened, or when it was paying and now a collection agency is reporting it, neglecting all the positive history of the account. If they did not report the good, they shouldn't be allowed to go right to the bad times! 

The bypassed the entire debt cycle. They skipped the open date, current payments and the billing cycle of 30, 60, or 90 days delinquent and went right to charge off. 

This is false and misleading to future creditors of mine, and negatively impacting my credit score.
Consumer complaint received 2022-11-29
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. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. My wife test drove this vehicle and was t-boned during the test drive, to which the car was total lost with the other driver being at fault. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (NY)

My XXXX Honda XXXX was illegally repossessed by Honda Financial Services in XX/XX/XXXX. The bank NEVER notified me of the repossession order. The vehicle was given back to the bank. A week later it was auctioned for {$7400.00}. The bank refused to put me in a new vehicle and keep charging me a termination fee of $ XXXX was defrauded out of {$9000.00} from a prior trade in before buying the XXXX Honda XXXX which I should of been reimbursed. Results of this repossession was I lost my job and business wages.
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

LVNV funding is reporting these two collection accounts on my credit file. Even though they have closed the accounts and deleted my payment arrangements. I am providing proof in this screen shot. It's because I'm white that they are illegally still reporting this to my credit report every month. They can't continue to report these accounts if they have closed them. They were being dishonest in their last reply and they keep on lying like most collection agencies do.
Consumer complaint received 2023-05-30
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: Resurgent Capital Services L.P. (MD)

LVNV Funding, a Debt Buyer, bought this account from XXXX XXXX, and then placed the account on my credit report, while deleting the XXXX XXXX XXXX. By doing this, they deleted my history with this creditor. Ironically, THEY OWN XXXX XXXX also. This is false, misleading and misrepresentation at its worst! In addition, the account is over 4 years old, exceeding the state of Maryland 's statute of limitations.
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (AL)

Harassing calls. Call started XX/XX/XXXX till present time. XX/XX/2023 they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, I made the night they called me XXXX times, XXXX the XXXX XXXX times,
Consumer complaint received 2018-04-12
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: Experian Information Solutions Inc. (TX)

I seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These are not mine
Consumer complaint received 2024-03-29
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. (GA)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DE)

Dear Sir/Madam, I am writing to file a complaint against Experian, one of the three major credit bureaus. I recently noticed a significant drop in my credit score as reported by Experian. An alert regarding a derogatory remark was triggered, however, despite a thorough review of my credit report, I am unable to identify any late payment or other negative factors that would justify such a drop. Furthermore, I haven't found any information that would substantiate this derogatory remark. I believe there is a discrepancy between my credit report and the score provided by Experian.

Despite multiple attempts to clarify and rectify this issue directly with Experian, I have not been able to obtain a satisfactory resolution. The situation is particularly concerning as it adversely impacts my creditworthiness and potentially affects my financial future. I understand under the Fair Credit Reporting Act, I have the right to dispute inaccurate information and Experian is obligated to investigate the items in question. I believe Experian has not fulfilled their obligations in this regard. I kindly request the intervention of the Consumer Financial Protection Bureau to aid in resolving this matter. 

Sincerely, XXXX
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (TN)

List below are unauthorizedcredit pulls using my personal information XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Consumer complaint received 2023-05-29
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. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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: CITIBANK, N.A. (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b s creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I called to ask a question about my account. The bank asks you to verify yourself through the Bank of America app. When I fried to do this, the verification did not work. 

I subsequently called back and tried entering the last 4 digits of my SSN. That did not work either. 

Their entire automated system is not working and needs to be fixed.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/XXXX I received mail dated XX/XX/XXXX from Transworld Systems , Inc trying to collect {$1300.00}. Company could not produce any contract I signed for XXXX XXXX. Their company buys debt from others looking for revenue. I received no phone call or letter. Most companies trying to collect debt in Maryland from Delaware and Pennsylvania offices are frauds.

My information was either sold or obtained fraudulently by this Creditor operating in the most discriminatory areas on the XXXX XXXX. I do not owe Transworld Systems, Inc. Someone sold my information without authorization or this company tracking my credit score. I do not have use XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (VA)

I've been disputing an account on my Transunion report, as the balance is not being updated as it's being paid.
Consumer complaint received 2023-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (GA)

PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX  ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : 1- I have successfully conducted a move-out inspection with XXXX XXXX representative for the XXXX location at XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management . 2- XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. Accordingly, I was not able to contact XXXX management within 30 days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. In addition, XXXX payment portal XXXX Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from XXXX Assistant. 3- XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. 4- Notwithstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. 5- I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX any monies. Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.
Consumer complaint received 2023-05-29
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: CCS Financial Services, Inc. (GA)

This company called and stated that I owed {$670.00} with an insurance company I've never been insured by or even owned the vehicle that they mentioned the caller called me out of my name and stated that he will make sure that i pay this debt because that is his job and this is how he gets paid he said he will leave a note on my account stating that I will pay this debt even though i never heard of this before until they called and that he will garnish any amount of money that comes into my checking and savings account he attempted to get my checking and savings account information over the phone. I never received a letter in regard to this debt and one of the agents told me that they paid the original company ( who they never mentioned ) to get my account because they promised that they will be able to collect the amount that is needed. They harass me every other day and it's bothering me. They keep telling me its an insurance company debt but I've been insured by the same insurance company since 2015.
Consumer complaint received 2020-04-29
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. (MN)

I was in the process of buying an ATV  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.