davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
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. (CA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-04-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

I have been a loyal member with American Express for over 12 years. In February of this year they decide to change my credit limit from no credit limit to a reduced credit limit. The reduced credit limit caused me not to be able to use my credit card. I wrote the corporate office a letter, and did not get a response from them, called American Express about the reduced limit and received a vague response from their representative. 
I have never missed a payment, and usually pay more than the required amount due. 

Please advise A senior citizen looking for some answers.
Consumer complaint received 2023-05-24
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. (CT)

In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXX and # XXXX has violated my rights. 

15U>S>C 1681 section 602 A. States i have a right to privacy 15U.S.C. 1681 Section 604 A section@. . It is also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2020-01-07
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: EQUIFAX, INC. (LA)

A letter was sent to Equifax disputing an erroneous reporting. In the letter it was stated and proof was provided that the other two credit reporting bureaus, XXXX and XXXX are not showing as well as XXXX XXXX. Equifax failed to correctly validate the matter and continue to report false information. The investigation results they say they received as accurate was from XXXX XXXX. I have attached the XXXX XXXX report showing that there is no bankruptcy being reported by them yet Equifax somehow is showing XXXX XXXX as verifying this information. This is erroneous information and false reporting.
Consumer complaint received 2020-01-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX, XXXX. 
Under Dispute XXXX XXXX XXXX Under Dispute XXXX XXXX SERVICING Under Dispute XXXX Under Dispute SXXXX XXXX XXXX Under Dispute XXXX  XXXX XXXX XXXX Under Dispute The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1955 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Starting on XX/XX/XXXX unknown persons at Citizen 's Bank committed a Bank Robbery ( XXXX XXXX XXXX ) via the internet on account # ending with XXXX ( see complaint XXXX ). This is documented in XXXX case XXXX XXXX   circuit page 10, document # XXXX, filed XX/XX/XXXX. After putting the money back on XX/XX/XXXX they  immediately started committing a Bank Robbery ( XXXX XXXX XXXX ) of account # ending XXXX ( a checking account where a social security payment is directly deposited!! This was not discovered until XX/XX/XXXX and reported in person to the branch in XXXX, Pennsylvania. A total of XXXX was removed at this time. When XXXX XXXX was with XXXX XXXX and to listen to the conversations with his mother BECAUSE SHE IS XXXX XXXX XXXX the Police were called to escort him from the bank ( police report # XXXX ), to verify the conversation. XXXX XXXX WAS GIVEN A NO TRESSPASS DOCUMENT FOR THE BRANCH. THEY ALSO APPARENTLY FAILED TO RETURN TO XXXX XXXX HER CHECKS AND DOCUMENTS FOR ACCOUNT # ENDING IN XXXX CONTAINING {$33000.00}.
Consumer complaint received 2018-03-04
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. (PA)

I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (CO)

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (CO)

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX   bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Consumer complaint received 2024-04-11
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: Americas Car-Mart, Inc. (OK)

once again XXXX has colluted with Colonial, their agreement stipulates, the Credit furnisher has the right to freeze current balances vilating the DODD FRANK ACT, TRUTH IN LENDING LAWS, 3 DAAY RIGHT TO RECIND ETCUPDATE BALANCE TODAY OR FACE CLASS ACTION LAWSUIT SEE ATTACHED BALANCE FROM CREDITOR.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AR)

I don't recall having a contractual relationship with this collection company National Credit Adjusters. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-12-26
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. (MA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX .... 
Account # 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 an account without my written instructions.
Consumer complaint received 2021-09-05
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. (IL)

XXXX XXXX made a big error there are 15 lates in a Mortage for XXXX XXXX,,,, I already made a disputed directly to XXXX XXXX they never fix the problem I also did a Direct dispute to XXXX  also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted XXXX firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( XXXX XXXX XXXX ) MANY times after the charges were paid, and were assured that this would be reconciled. Once Portfolio Recovery Associates bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account. 

XX/XX/XXXX - We spoke to XXXX XXXX with XXXX XXXX and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months. 

XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX. 

XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months. 

XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed. 

XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}. 

The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion. 

XX/XX/XXXX We received the mattresses to complete the order. 

XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}. 

They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by XXXX bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This complaint is regarding Household Finance Realty Corporation of New York aka " HFC ''. I have been sending countless communications to Household Finance Realty Corporation of New York to no avail. Each letter I sent to " HFC '' via certified return receipt and regular mail has been returned to me with address undeliverable despite this being the address listed and that I was given. I have submitted letters to " HFC '' for years now to various addresses including : Household Finance Realty Corporation of New York XXXX XXXX XXXX XXXX, FL XXXX Without the proper address, if any exists, I will not be able to resolve major issues with HFC. If HFC responds in any manner, I request under FOIL to receive a copy of each and every letter, document, attachment en toto, that they send to the CFPB. Thank you for your swift attention to this urgent matter. Please email me a copy of the complete unedited file that HFC supplies the CFPB by emailing me. I request the right to reply to the response of Household Finance Realty Corporation of New York. 

Thank you. 
XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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)

In accordance with the Fair Credit Reporting act, Dept of ED/XXXX has violated my rights. 
Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (CO)

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX Auto Finance are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
Consumer complaint received 2022-12-26
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 did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 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 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 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 2020-01-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (FL)

-- Debt collector XXXX collections, tax id XXXX ( XXXX XXXX ) amount due XXXX $ date invoice XX/XX/XXXX note : blood work done when i did have a medical insurance and the insurance was billed already for preventive test, already payed actions : Debt was send to XXXX XXXX XXXX XXXX date XX/XX/XXXX from creditor : XXXX XXXX XXXX XXXX XXXX : will send a negative credit report to the credit report agency
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AR)

Received continuous harassing phone calls from XXXX XXXX XXXX for 3 months, leading to my filing CFPB complaint # XXXX in XXXX. 
XXXX 's response to my filed complaint stated that the delinquent CC account number ended in XXXX, with a balance due of {$3800.00}, and was opened by someone with my name and the last 4 of my SSN. They further indicated that a notification letter was sent to me in XXXX, 2019, which I had never received. 
Being concerned about a potential compromise of my accounts by the Equifax breach ( or other? ), I put a freeze on all of my credit bureau accounts to prevent anyone from opening any account in my name. I was very disturbed to discover ( in reviewing my credit report ) that the record shows that XXXX XXXX XXXX had been allowed to access my credit reporting account!! This does explain how they came up with the last 4 of my SSN to use in their official response to my earlier CFPB complaint ( NOTE : My credit report clearly shows NO CC ACCOUNT ending in XXXX! ) This is/was clearly an attempt to SCAM me for a balance due on an account that they know I never had! 
My current follow-up complaint is due to XXXX XXXX XXXX now FALSELY inputting derogatory information into my XXXX credit report. My credit score has been 870+ continuously, until just recently dropping by more than 100 points! I have requested a copy of my XXXX credit report, but this occurred just as I have now received a letter from XXXX XXXX XXXX with their followup documentation justifying (? ) their harassnment. XXXX has included a copy of a letter that Synchrony Bank sent to the CORRECT PERSON (! ) at their CORRECT ADDRESS (! ) regarding THEIR account last XXXX. 
Copies of all will be uploaded with this complaint. Note that the XX/XX/2019 Synchrony Bank letter was sent to a different person with the same name who lives at a different address. I have never lived at any other address in Arkansas than my current address. This is clearly a continuing SCAM attempt to collect money that I DO NOT OWE ( and they know it! ).
Consumer complaint received 2023-05-14
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: DISCOVER BANK (NY)

discover has failed to provide me with the proper documentation to validate and verify this alleged debt a copy of the agreement and full disclosure that meets the requirements under federal statute. violation fair credit reporting act, truth in lending and fair debt collection practice act DISCOVER has violated the FCRA 15 USC 1681a ( 2 ) ( i ) - reporting information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 BILLING ERRORS 15 USC 1666d ( a ) ( 1 ) - 15 usc 1692g ( a )