davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (FL)

I received a piece of advertising on XX/XX/2020 that is believed to be a bait and switch tactic, which also may be a RESPA violation. 

The piece of marketing material in question is from Intercontinental XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2020 and arrived in a XXXX XXXX XXXX envelope. Making it look to be official, So I had opened it up. 

The letter gave me a {$100.00} gift card. The only way to activate said card is to call their office number to get started, XXXX. I can only assume it is the corporate/call center line I never called, because I do not want to be harassed on the phone to refinance my home after making only 6 payments since my last refinance. I blocked my name/address on the attached letter to try to avoid repercussions by said mortgage company. 

This is clearly a violation, I am also a licensed loan officer here in the state of FL and I very much know what the limitations are to marketing tactics like this and what is deceiving. It's maddening to see companies like this continue to operate like this against the rules for advertising. 

I am reporting this because I do not want to see others fall for this marketing tactic that triggers people to call with a promise of a {$100.00} " gift ''.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

lowes credit card, there was a charge on there for XXXX from another state and It was not in that state. I told them this and I told them until they fix it I would not pay. they did nothing. it has been several years and I have been denied credit ( low interest rates due to this ) I believe it has been over 4 years and I have not paid a dime, also, my limit was only about XXXX and they have on credit card that I owe over XXXX. I want this removed from all 3 bureaus. this is not right for them to be doing to me.
Consumer complaint received 2022-11-01
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. (FL)

Hello, I am reaching out yet again in reference to fraudulent items that I have reporting to my credit. After speaking with Experian, XXXX and XXXX I was told the steps that I needed to take to have these XXXX fraudulent accounts removed and even after completing I have yet to get an update let alone a removal. My latest attempt occurred XX/XX/2022 which I submitted a notarized affidavit as well as an FTC report for the accounts in question. Yet these accounts remain on my account.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/2020 XXXX. XXXX XXXX XXXX on XX/XX/2020 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC (FL)

XXXX XXXX has handed my fraudulent identity theft case over to Lloyd & McDaniels PLC to sue me over a credit card that I never opened, never authorized to be opened, never used to charge anything, and never paid for. I am being harassed by this law firm in Kentucky and am to appear in court on XX/XX/2021 for an account that is fraudulent. I have written to them, filed disputes numerous times thru the 3 credit reporting companies, with XXXX XXXX themselves, and with their prior law firm XXXX in XXXX XXXX Florida. This needs to stop!
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ABSOLUTE CREDIT  LLC (NY)

XX/XX/2020 - Absolute Credit LLC reported a medical collection account to my XXXX  credit file. 

XX/XX/2020 - I sent them a certified letter asking Absolute Credit LLC  to validate the debt. 

XX/XX/2020 - The letter was received by their office. USPS receipt attached. 

XX/XX/2020 - Absolute Credit LLC did not respond to my validation request within the allotted 30 days. I sent a day 31 follow up letter to them as soon as I had not received a response. 

XX/XX/2020 - Absolute Credit LLC responded to me with a letter dated XX/XX/2020. Sent my sensitive and personal information ( when they did try to validate ) via regular mail. Included my identification - social security number, a photo of my license, details of my medical bill and insurance info. 

-In my first letter to Absolute Credit LLC , I requested that they send me the HIPAA authorization from the health care provider, giving ABSOLUTE CREDIT LLC the authority to collect this debt. They did not send a HIPAA authorization from the original healthcare provider. 

-They are reporting to XXXX  as the " original creditor ''.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-10-10
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: ALLY FINANCIAL INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-01-07
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. (ID)

My ex-husband and I had two auto loans thru XXXX XXXX XXXX XXXX. One was my stepson 's car that my stepson makes the monthly payment on. It is almost paid off. The other is my ex-husband XXXX XXXX XXXX. We separated XX/XX/XXXX and he has always had possession of the vehicle. Our divorce was final XX/XX/XXXX. The Judge signed the divorce decree and both auto loans at XXXX XXXX XXXX XXXX became the sole responsibility of my ex-husband. XXXX  has removed these from my credit report and TransUnion will not because XXXX XXXX XXXX XXXX will not allow the. To remove it. I have sent the divorce decree to XXXX XXXX XXXX XXXX and to TransUnion. XXXX XXXX XXXX XXXX has told me that my divorce decree does not matter and has no validity on this situation. I do not see how that is possible because a Judge signed and ordered that my ex-husband is solely responsible. Since our separation my ex-husband has been late XXXX and XX/XX/XXXX on his car payment. This is having an adverse effect on my credit. I am considering hiring an attorney and suing XXXX XXXX XXXX XXXX and TransUnion. Please help me.
Consumer complaint received 2022-11-01
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. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Consumer complaint received 2021-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CT)

There is a account from XXXX in which I was charged for not returning equipment. I however filled a complaint with the FCC and have since been in contact with XXXX office of the president. They have credited my account to a zero balance and sent me a letter stating that this account will be removed from my credit report because it was giving to Sequium asset solutions for an account that was misreporting. I have contacted Sequium and I am told that the account will only be updated to show paid in full. I have emailed them the form from XXXX  and I am told that they can not verify me I then responded back to the email with my address and phone number and never got a reply back. I also called many times to speak with a supervisor and I finally got one and she took some information and told me she would call be back in ten minutes and never did. I then called back the next day and was told that Sequium does not do pay for deletion and that I could not speak with the supervisor and to call back later.
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$2600.00}.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Thaxton Investment Corporation (TX)

This is a formal complaint against Covington Credit Texas located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Covington Credit Texas located has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-01-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP (CA)

I purchased a XXXX XXXX XXXX  on XXXX XXXX at XXXX XXXX in XXXX, California. The dealership offered me financing at 9 %. I refused it and I went to my bank, XXXX offered me an interest rate as 3.34 %. I took the letter from XXXX to the dealership to complete the purchase, but the Finance Manger who called XXXX insisted on me buying an extended service plan and a maintenance plan to qualify for the special interest rate 0.9 %., that was a lie. The special rate from Honda Financing is available for any qualified buyers with no string attached. When I refused the extra purchase, he said I cant get the special rate. I felt that I was forced into buying something that I dont want. On XX/XX/XXXX I went to the dealership to cancel the extended service plan, they told me that they will have to prorate my contract and charge me some fees even though my car is brand new and I am still under the factory warranty period. The extended service plan has not taken effect yet. The dealership is deceiving innocent buyers into buying products that they dont want. The face that the finance manager conditioned the special rate with buying after market product is a violation of consumers right. The dealership address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I am requesting your help to receive a full refund for the extra products that I was forced to purchase. I dont think I have to pay the cancellation fees and the prorate deduction on my contract because the practice was not proper. 
Thank you for your assistance and I am looking forward for your response.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reached out to the bureaus about the numerous violations that have been furnished on my consumers report. The bureaus are using unlawful tactics to obtain my private information. My consumer rights have been violated an the credit bureaus need to be handle accountable
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Received an email on XX/XX/XXXX stating that my '' revolving credit limit has recently been revised. A review was completed saying that my payments were too low, revolving credit balances were too high, I had too many credit card accounts with them and that my balances were too high compared to my overall credit limit. '' My credit was immediately reduced by half, leaving me with almost no available credit on the two cards I had with Citi-Cards. 
I have been a citi-card customer for over 20 years. I have a good credit score according to XXXX  XXXX on XXXX XXXX. According to XXXX  I have a low credit usage 29 % on XX/XX/XXXX. I have an Exceptional Payment History 0 late payments, 0 collections, 0 Public Records according to XXXX  on XXXX XXXX. I have an Exceptional Credit History Length average age of 12 years and longest of 38 years. All of my credit reports are of Exceptional payment history. " I have never been late or missed a payment to any credit card or other type of company requiring my payments. 
I contact citi-cards customer service and they would only tell me that a letter was sent to me to explain the reasons for the reduction in my credit limit. I have not received the letter as of XX/XX/XXXX. I requested a review of this decision and was told that they would not review it. I requested to speak with a supervisor and was also told that it would not be reviewed. 
The actions of Citi Card damage my Exceptional history and will impact my credit score. I  am asking that they reinstate my credit to the thresholds prior to XX/XX/XXXX.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This Complaint was completed by I XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person. These companies stated that they do not have to follow any of the TILA, FDCPA, FCRA, or USC, UCC, FAR, regulations codes and laws. These companies committed Identity theft, misleading and unfair practices, harassment and abuse I never gave them or any company written consent to exchange, give, report or falsely 15 USC1692 j furnish any deceptive reports or forms. I was denied a home, vehicle transportation to get to work, unable to receive services, and turned down a job offer due to defamation of character due to their inaccurate reporting and false reporting I have severe injury. They have also sold my information to other 3rd party companies and branches without my written consent as well. I the Consumer XXXX XXXX Natural person advise that XXXX, Transunion, and XXXX, XXXX out all accounts on the or in the credit file or consumer report whatever their specific terminology proceeds as I advise the company to follow such instructions or pay remedy at {$1000.00} per minute on every account that is not corrected by my instructions and kept on my consumer report paid in good standing. 
15 USC 6821 Privacy protection for customer information 15 USC 1692 f Unfair Practices 15 USC 1692 e False and misleading information
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (PA)

This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person. These companies stated that they do not have to follow any of the TILA, FDCPA, FCRA, or USC, UCC, FAR, regulations codes and laws. These companies committed Identity theft, misleading and unfair practices, harassment and abuse I never gave them or any company written consent to exchange, give, report or falsely 15 USC1692 j furnish any deceptive reports or forms. I was denied a home, vehicle transportation to get to work, unable to receive services, and turned down a job offer due to defamation of character due to their inaccurate reporting and false reporting I have severe injury. They have also sold my information to other 3rd party companies and branches without my written consent as well. I the Consumer XXXX XXXX Natural person advise that XXXX, XXXX, and Equifax, XXXX out all accounts on the or in the credit file or consumer report whatever their specific terminology proceeds as I advise the company to follow such instructions or pay remedy at {$1000.00} per minute on every account that is not corrected by my instructions and kept on my consumer report paid in good standing.

15 USC 6821 Privacy protection for customer information 15 USC 1692 f Unfair Practices 15 USC 1692 e False and misleading information
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.
Consumer complaint received 2021-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

RMP was assigned to collect 3 bills assigned to them by XXXX XXXX XXXX XXXX. Creditor Ref # XXXX - {$120.00} Creditor Ref # XXXX - {$8.00} Creditor Ref # XXXX - {$95.00} for a total of {$220.00}. 

On XX/XX/2021 these debts were paid in full via my bank debt card on line on their website rmpeasypay.com to which I received a payment successful for each item from RMP with the following references : Ref # - XXXX for the amount of {$95.00} Ref # - XXXX for the amount of {$120.00} To date their website rmpeasypay.com shows I still owe this money and they are reporting it to all 3 credit reporting agencies that I have not paid my debts, when in fact, on their own website it shows both, that I paid the debts, but I still owe the debts and they are not removing these items or giving me relief from the debts that I have paid for in full on XX/XX/2021. 

I have emailed RMP on XX/XX/2021 to which I have not received any response and I formulated a dispute through XXXX credit bureau to which RMP has advised them that I had 'NOT '' paid these debts, when in fact I have per their own website.