davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westhill Financial (MI)

At XX/XX/XXXX I received a phone call from XXXX XXXX ' from Westhill Exchange LLC in Colorado . He stated that I owed XXXX XXXX XXXX a debt from XX/XX/XXXX and that if I did n't pay he would be taking me to court and I could go to jail. He verified my old address and some other personal information but stated that he could n't send me a bill in the mail to verify this account. I told them that I do n't have that kind of money laying around and I need to have something sent to me. With having a family and with me only working, I paid them the almost {$500.00}. He was supposed to send me an email of confirmation for payment, which I never received. Nor did I ever receive anything in the mail. After returning home, I spoke with my wife about it and she started investigating. Called the bank and submitted a fraud claim against them. The bank has then determined that the claim is in my favor and it was defiantly a fraud. I am now being harassed by XXXX XXXX from Westhill Exchange LLC again via email and phone calls. He states I need to contact him ASAP before a court case is submitted to jail. Please help me with this, I am being harass by XXXX. He ca n't verify this past debt and wo n't stop threatening me with court.
Consumer complaint received 2022-05-23
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. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated RESPONSE stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have submitted information that " was not in your file ''. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by the CFPB PORTAL XXXX  XXXX ) that I questioned the accuracy of a few items on my credit reports. That complaint was written by me and submitted by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Here again is the incorrect information being reported : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is inaccurate and must be deleted. This is the original account that STILL REMAINS ON MY CREDIT REPORT THAT XXXX IS ALLOWING TO BE REPORTED AGAIN BY XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX**This is a duplicate account and must be deleted. 3. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account numbeXXXX XXXXXXXX This is a duplicate account and must be deleted. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NJ)

On XX/XX/XXXX, I received correspondence from Diversified Consultants, Inc. ( DCI ) that I had debt in the amount {$990.00} for failing to pay XXXX. On XX/XX/XXXX I called DCI to figure out what this was about and they redirected me to XXXX. I called XXXX that same day and I was told I owed them {$990.00}. I informed them I have n't had XXXX since XX/XX/XXXX when I moved from XXXX XXXX XXXX, XXXX XXXX, NJ. My account was paid in full and disconnected when I moved. I moved in with family to XXXX XXXX XXXX and have not had services in the past two years. I was transferred to a different department who asked me if the debt could be for failure to return equipment. I told them, No because I returned it myself. They are advised me to write a dispute letter which I did ( all in the same day ) to DCI. DCI responded a couple of weeks ago with a simple letter that the debt was proven to be mine. The letter was absent of any information as to how they came up with their findings. If XXXX does n't know where the debt came from how do they?
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, The XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-23
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXXXXXX SYNCBXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Consumer complaint received 2017-07-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX, 2017 Dear Equifax, XXXX It is now XXXX XXXX you received the first correspondence on XXXX XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XXXX XXXX, all public records are to be removed you have yet to comply.
My mother is in the XXXX XXXX of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play XXXX with someones family. I request an immediate deletion of all negative items from my report.
Consumer complaint received 2022-05-29
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I have a collections bill that after repeated attempts have not received any verification what the bill is for. I called Wakefield and Associates after receiving a bill for {$710.00} to ask what exactly the bill was for. I had not received any previous notification that anything was owed in this amount. Wakefield and Associates informed me that this was a XXXX bill and that I needed to write them an official letter to receive an itemized receipt. I did that and received a letter back on XX/XX/2022 saying that I owed XXXX XXXX XXXX, XXXX. This was not in any way an itemized receipt. I am writing today because I do not believe I owe anything to this company, but I have no way to prove this. My family and I are enrolled in a program called " charity cares '' at our hospital, XXXX XXXX and this program takes care of unpaid bills because we have qualified as a low-income family. I am not sure where to go from here.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

This is my second complaint regarding Equifax. Back on XX/XX/2021, I filed a complaint that the company did not respond to my certified letters nor phone calls to correct my credit report per my letters, but also they did not send me a credit report as per my multiple requests. It has been approximately 30 days and I have still not heard anything from Equifax, neither any corrections, nor a letter nor a hard copy of my report. They have ignored me and your agency! This is outrageous behavior, no wonder they are screwing up my credit! Attached I have included the earlier three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Equifax credit report for inaccuracies and for Equifax to send me an updated credit report as I did in my earlier complaint. Please do something to make these people correct/ send me my credit report!!!.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2022-05-29
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: EQUIFAX, INC. (MO)

I have attempted to resolve this reporting issues multiple times using online reporting via the credit bureaus websites which includes XXXX, Equifax and XXXX as well as writing letters to companies for resolution. 
The credit bureaus just comeback within a few days as verified without research without looking at provided documentation. 

XXXX XXXXXXXX : Opened XX/XX/XXXX Settled on XX/XX/XXXX In my negotiation with the XXXX XXXX representative, we agreed on the settlement amount with the understanding within 30 day it will deleted from my credit report. Documentation will be provided. 

XXXX XXXX : Opened XX/XX/XXXX Charged Off for Bankruptcy on XX/XX/XXXX This account was apartment of my bankruptcy is still shows in negative standing evening though I carry a Bankruptcy on my credit report and all the other account turned positive or deleted complete. In speaking with Colorado Bankruptcy Court, I was informed that that I am being penalized twice with this account being shown in a negative status and with Bankruptcy. 

XXXX XXXX XXXX XX/XX/XXXX This account was paid directly to the XXXX, but it still shows on my credit report, they are unwilling to delete even thought the primary creditor took payment and said that the collection action will be cancelled.
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Experian is reporting on my credit report a debt that does not belong to me. The debt is from XXXX XXXX which is a utility company in the state of Texas. I have never lived or resided in the State of Texas. My entire life I have lived in the state of California. I have contacted XXXX XXXX multiple times and they have neglected and refused to remove the fraudulent info from my credit report. The debt has impacted my credit score negatively
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (GA)

On all XXXX of my credit reports showing different dates for last payment made. XXXX, XXXX. XXXX XXXX XXXX on with no last payment details.I asked for the debit to be validated with payments make and last payment. Details of when the account was charged off.
Consumer complaint received 2023-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Recently I found a {$50.00} American Express XXXX XXXX that I had received a few years ago as a bonus from my employer. The original card had been sitting in a drawer, unused, and the date had expired. I contacted Amex and they mailed me a replacement card with a valid date. 

I have confirmed ( multiple times ) with Amex that the card is valid and that there is a {$50.00} balance on it. 

Despite repeated attempts, the Amex gift card will not be accepted at any online merchant I've tried : XXXX, XXXX, XXXX, XXXX, etc. The transaction is denied every time I attempt to make a purchase. 

I've attached a scanned image of the card and the letter that I was sent.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IL)

I recently paid off my apple card and froze the account. Not too long after, there was a refund been credited to my account. So I have {$190.00} extra under my name. I reached out to their customer service. They suggested the only way to access that {$190.00} is to unfreeze the account and spend it. The thing is I don't want to spend it. I also asked them what if I close the account. They could not provide clear information regarding transfer this extra fund out.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Paid and resolved in XXXX XXXX ( from XX/XX/XXXX - bad debt/did n't belong to me to start with - Per attached court documents. Should not show as I made a payment. 
Should be removed as XXXX/remove as agreed, why is XXXX XXXX XXXX/LVNV not being held accountable for this? 
My credit is yet being damaged again. This is be XXXX and removed. Please help. 
I paid an Attorney to fix this from being sued in court over a balance I do not owe to start with. Please help. 
Showing the $ XXXX payment is actually worse on my credit- than they way it was XXXX XXXX in as bad collections. Please help. Thank you.
Consumer complaint received 2022-09-13
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}
Consumer complaint received 2022-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have attempted to resolve this reporting issues multiple times using online reporting via the credit bureaus websites which includes XXXX, XXXX and Transunion as well as writing letters to companies for resolution. 
The credit bureaus just comeback within a few days as verified without research without looking at provided documentation. 

XXXX XXXX XXXX Opened XX/XX/XXXX Settled on XX/XX/XXXX In my negotiation with the XXXX XXXX representative, we agreed on the settlement amount with the understanding within 30 day it will deleted from my credit report. Documentation will be provided. 

XXXX XXXX : Opened XX/XX/XXXX Charged Off for Bankruptcy on XX/XX/XXXX This account was apartment of my bankruptcy is still shows in negative standing evening though I carry a Bankruptcy on my credit report and all the other account turned positive or deleted complete. In speaking with Colorado Bankruptcy Court, I was informed that that I am being penalized twice with this account being shown in a negative status and with Bankruptcy. 

XXXX XXXX XXXX XX/XX/XXXX This account was paid directly to the XXXX, but it still shows on my credit report, they are unwilling to delete even thought the primary creditor took payment and said that the collection action will be cancelled.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital one offers a rewards program called Capital One Offers for their Capital One - Venture One card. The show that if you follow a link to a vendors website and purchase items using your Capital One card they will reimburse a percentage of the cost which varies from vendor to vendor. I have done all the correct steps for multiple different purchases from vendors using their link but Capital One 's program does not work and they don't end up reimbursing a percentage. I followed up for XXXX offers from the vendor XXXX which Capital One manually corrected and gave me a reimbursement. I have noticed subsequent purchases have not resulted in a reimbursement or are they showing as going to be reimbursed on their " XXXXXXXX XXXX XXXX '' tracking platform. Their website is convoluted and hard to reconcile what reimbursements were give or what is going to be reimbursed all in an effort to confuse the consumer. The bottom line here is that they have a product that doesn't work correctly and their technology supporting it doesn't work either. They need to fix these issues before every trying to allow this as an option for customers. Please feel free to contact me for more information. 

Thank you, XXXX