davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

XXXX, XXXX  AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. 
XXXX XXXX XXXX, XXXX  XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-05-11
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. (GA)

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-03-10
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. (NY)

My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last Year XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York Court Clark. 
They told me they did not verified because Case was Dismissed XXXX  Use 3rd Party to verified this account. 
This account must delete from my credit report.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I am self employed and was hit hard by COVID. So, I sent a hardship letter with a $ XXXX check in a large USPS Priority envelope to Citicorp to close this account. 

They cashed the check so I thought that closed my account, but they continue to call and write, so I continued to send them copies of the hardship letter. 

Please help get this account closed. 

Thank you. 

XXXX XXXX
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have bought ( financed ) a used car from Toyota dealership of Downtown XXXX XXXX in XX/XX/2020. 
Along with the car I bought the extended warranty that costs {$2000.00}. On the next day after purchasing the car I have decided to cancel the warranty. I have emailed the warranty issuer and personally visited the dealership office of Toyota Downtown XXXX to notify about my desicion. 
They said the warranty will be cancelled and I should receive the refund of {$2000.00} within few weeks. The refund amount should have been applied to my principal balance. 
However, it's been already over 5 months and I have not received the refund. 
I have tried to contact Toyota financial services multiple times but every time they said my refund is on the way.
Consumer complaint received 2021-03-09
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: CITIBANK, N.A. (NJ)

Citibank is failing to resolve a credit card dispute in regards to a vehicle upgrade on a lemon vehicle. ( Violation of NJ law N.J.S.A. 56:12-29 to 56:12-49 ) A vehicle upgrade was purchased at the time of delivery ( XX/XX/20 ) but shortly after the car was deemed a lemon due to numerous cosmetic and mechanical issues including : - 10+ deep scratches/scuffs below the paint and primer on doors, upper trunk, lower trunk area, and grill - Paint defects across the car including excess paint ( drips ), rough edges, and more - Damage to the front passenger seat - Damage to the passenger headliner - Damage to the windshield and parking shifter - Condensation in passenger B-pillar and displaying errors on screen - Passenger door would not properly shut - Thousands of small scratches across the vehicle on every panel - Severe screen backlight bleed ( Light spots visible on darker screens ) - Loud high-pitch noise when brakes are utilized - Deep sporadic ( suspected heat pump ) vibrations and pulsations - Misaligned vehicle panels including the trunk, door handles, headlights, door trims The car feature upgrade can be remotely turned off by XXXX and refunded but neither XXXX and Citi are properly resolving the issue. In fact, Citibank prematurely ruled on the credit card dispute without evidence or knowledge that the car was a lemon. The car is being returned back to XXXX as a result of the lemon and I am due for a refund for the feature upgrade that was purchased. I have plenty of supporting documents illustrating the dispute.
Consumer complaint received 2021-03-09
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. (FL)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Consumer complaint received 2017-04-11
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United PanAm Financial Corp. (CA)

The debt collector called a family member a ( Third party individual ) whom was not listed nor had nothing to do with UNITED AUTO CREDIT. They questioned and gave out personal and financial information to a person that was not authorized on this business matter. I feel that this was very unprofessional and cause harm to a potential business matter that I had going on.
Consumer complaint received 2023-05-11
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: Open Dealer Exchange, LLC (CA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting acXXXX XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WV)

This complaint involves Sychrony Bank and the credit card obtained from them through membership at Sam 's Club. My card payment is due on the XXXX of each month. I was over my limit and decided to take money out of savings and pay almost all of what was owed as I no longer want to pay large interest payments. 
I submitted a payment of {$7500.00} for XX/XX/XXXX. I received notification that payment was processed on XX/XX/XXXX. My personal bank account showed the money was paid out on XX/XX/XXXX. On XX/XX/XXXX, my card was declined for payment of a service on that date. My account showed that I owed {$710.00} dollars to Synchrony but that I had - {$740.00} available to spend. I have a {$7500.00} limit. I tried an online chat with customer service and expressed my concern. I was informed that larger payments can take as long as 3-4 days to process. I continued to check the account over the weekend and there was no change. I also continued to express my concern in the online chat with customer service. Yesterday, XX/XX/XXXX, I once again checked and again the figures had not changed. Today, XX/XX/21, I went to use the card to pay for less than {$25.00} worth of groceries and again the card was declined. The figures in Synchrony Bank '' s summary of my account have remained the same. Once again, I explained and complained to customer service. I also insisted that any and all interest fees accrued since XX/XX/XXXX when payment was processed, be dismissed. 
I appreciate any assistance you can offer with this matter.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I transacted with XXXX XXXX XXXXXXXX to get a home mortgage pre-approval, which according to them required a credit report be pulled from XXXX, XXXX, and Experian. Starting on XX/XX/2023 I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX XXXX XXXXXXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

My employer had attempted to direct deposit funds {$1200.00} on my account at Regions bank on Friday XX/XX/XXXX and my daughter had attempted to transfer funds {$20.00} to the same Regions account on XX/XX/XXXX. After calling Regions customer service on Saturday morning no one informed me that the account had been closed due to lack of activity. I have gone the last 5 day speaking with at least 7 different representatives at Regions customer service and none of them informed me that the account had been closed and the funds had been rejected and sent back to the perspective payers. I visited a Regions location in XXXX XXXX and spoke to the Branch manager who finally informed me that the account was closed but had multiple documentation that the account was closed and I would have to go into a branch to discuss the situation yet none of the previous individuals that I talked to informed me of that nor did I receive an email, phone call or parcel indicating I needed to do so. Now my employer has to receive the denial of funds from Regions which may take 2-3 additional business days as well as my employer will take 5-7 business after receipt of denial of funds to reissue me another check. This has put me in an absolutely devastating situation where as I and my family may be evicted from iour home, my car repossessed and loss of emplyment because I ca n't get to work. This is of no fault of my own because had I know I would have taken the appropriate steps to prevent this from occurring. Now I am at a point of shear desperation as to where my family and I may have to find a place to live and obtain another means of transportation and possibly employment after only in the last 30 days gaining fulltime employment. I am in need of immediate compensation to prevent me and my family loosing everything and having to start over again.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT AUTHORIZED BY ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am attaching police report and from AG
Consumer complaint received 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I received a preapproved loan/letter from XXXX  XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX XXXX, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (TX)

On XXXX at XXXX McCarthy , Burgess and Wolfe representative XXXX XXXX emailed me demanding I remedy a past due balance to XXXX XXXX XXXX XXXX I responded 13 minutes later with " I didnt refuse anything, I requested the final bill. No one ever sent me it. I made a final payment, and turned in equipment. 

Then I get a call saying I owe more. You're the second " collections '' company to contact me about it. 

So do you have the final bill? '' They did not reply so on XX/XX/XXXX I forwarded them the same email and said " I sent this on XX/XX/XXXX. Have yet to hear from you. '' On XXXX they replied stating " We received your email regarding the XXXX XXXX We have requested the invoices. They will be emailed once they are received. '' I did not hear from them again until XXXX at XXXX where they sent me another demand and acted as if we had never spoken " Dear XXXX XXXX XXXX On XXXX, XXXX  formely known as XXXX XXXX XXXX requested we handle the above-captioned account. They specifically asked that we attempt to resolve this at a voluntary level rather than pursuing alternative remedies. I sent a letter to you making you aware of our clients claim. You failed to respond. 
Our client intends to receive the full amount of their claim. A brief review shows no reason why they should not be entitled to full recovery. I am desirous of resolving this in the easiest, non-confrontational manner possible however, I need your cooperation. 
Your failure to remit the full balance at this time will force me to assume you are unwilling to pay the balance. Should you choose to stop further action by this office, mail a check to The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX in the amount of {$140.00}. Make check payable to XXXX formely known as XXXX XXXX XXXX or pay online at XXXX. 
For your convenience, an automated attendant is available to process ACH/Check payments over the phone by dialing XXXX. Fees may apply. Action will be held until XX/XX/XXXX, pending receipt of your check. 
Thank you in advance for your anticipated cooperation. '' I showed them all this previous correspondence in reply.
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. (OH)

Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX. Acct # XXXX ACCORDING to US Code XXXX note, this is a HIPAA VIOLATION XXXX No medical information shall be distributed for permissible purposes for the consumer without consent. I do NOT consent. Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages, Kindly, DELETE the collection accounts above mentioned as soon as possible.
Consumer complaint received 2023-08-09
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. (VA)

I have filed a complaint about this before per my attached documentation I am a us citizen with a ssn and have recently viewed and used credit. the company 's response to incorrect information was I am not a us citizen with a ssn. I have items on my credit report that are fraud and they will not remove the item even with the court order attached. 

XXXX XXXX XXXX is the account i need removed from my credit
Consumer complaint received 2021-03-10
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: Professional Credit Management, Inc (AR)

There are ( 4 ) separate accounts with Professional Credit Management. 

1. XXXX XXXX, XXXX. 
Acct # XXXX. {$310.00} Date of Service XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX Acct # XXXX. {$410.00} Date of Service : XX/XX/XXXX 3. XXXX XXXX XXXX Acct # XXXX. {$710.00} Date of Service : XX/XX/XXXX 4. XXXX XXXX # XXXX. {$130.00} Date of Service : XX/XX/XXXX On each of these dates of service I was insured through XXXX of Arkansas. 
POLICY #. XXXX Member ID : XXXX By her own admission, XXXX, who works in the billing office at XXXX XXXX XXXX said they are in network with all AR Medicaid providers. I was responsible for no deductible or copays under this policy. 

I never received bills from any of the above-listed entities. They were simply turned over to a collection agency who reports them monthly to National Credit Reporting Agencies. When you are in network with a Medicaid provider, you accept their payment as payment in full for services rendered, yet, theyre still trying to collect these debts from me and reporting these balances to national credit reporting agencies. 

I would like each of the above companies notified of this complaint. You only allowed ( 3 } to be listed.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed that the addresses and personal information on the report are inaccurate. I looked your website and enclosed the proof of the current address that you require please make sure that there aren't any inaccurate names and addresses on my credit report. I ask that you be sure to match the spelling of my name with the social security number and date of birth to ensure the accuracy of the records you're reporting. 

I do not wish to have any telephone numbers on my report. please remove all other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate. 

please send me an updated credit report as soon as you have deleted the incorrect addresses show above and ensure that any incorrect names have been removed. 

Thank you.
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXX XXXX XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.