davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (MI)

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX IN 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 15 U.S.C 1681 section 602 A. states I have 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 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-01-01
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: Experian Information Solutions Inc. (FL)

I have disputed collection accounts : # XXXX # XXXX directly with XXXX XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. 
I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX  company, but in any case these accounts should not be reported by XXXX XXXX now so please delete these false accounts asap.
Consumer complaint received 2021-08-27
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)

I was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2021-08-28
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. (CA)

My ( collection ) account? has been reported to XXXX  as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is 1 ) I was not in XXXX , Az at that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by XXXX as I was on XXXX as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves XXXX  stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and XXXX  as well as XXXX XXXX are Lying to everyone about my credit.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/2020 the company decided to close my account. 
I contact them and ask for the reason they told me they sent a letter, i have never recieved the letter, but i dont really care about the reason. 
I need to get back the points that they stole me with the clossing of the account. 
I attaching here the last statments i got from them it shows the amount of my points ( its XXXX $ ( 5 % bonus ) + XXXX $ ( other rewards ) ).
Consumer complaint received 2021-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MS)

I am 100 % XXXX veteran and had some medical exams and surgeryndone that was approved by XXXX. I had my Congressman and Chief Duty Director of VA send letters that XXXX is paying this bill and to remove the negative account from my credit report. I even sent them the Protecting Veterans Credit Act of 2018. They have cost me a low credit score and high interest rates because they are breaking the law
Consumer complaint received 2021-01-01
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: CITIBANK, N.A. (NV)

XXXX XXXX is reporting on my credit reports with XXXX  and XXXXthe account is my fathers we have same first and last name but different middle names.my father has contacted shell Citibank and paid balance in full and explained that they have mistakenly put on my credit report.they have failed to do this with many phone calls leading to nothing starting in XX/XX/XXXX to present Ive filed disputes with XXXX and XXXX  ending in no help.the account was opened in XXXX I was born in XXXX
Consumer complaint received 2021-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The company known as CREDIT ACCEPTANCE falsely accused me of presenting fraudulent paystubs after previously verifying paystubs presented to a dealership for finalizing a deal that was said to be near completion.

The company CREDIT ACCEPTANCE previously contacted my employer to verify my employment and information presented upon the paystubs and successfully verified the information.

The company CREDIT ACCEPTANCE is using XXXX discriminatory practices in denying certain XXXX demographics the ability to finance vehicles and receive loans by redlining and using discriminatory tactics of alledging fraud and requiring proof of validity in order to proceed with financing vehicles. 
The company CREDIT ACCEPTANCE is using XXXX discrimination & requiring certain demographics to basically " beg for '' and prove beyond any shadow of their already racially prejudiced biased and doubtful assumptions. 
The company CREDIT ACCEPTANCE has already contacted my employer and verified my employment status yet the cmpany CREDIT ACCEPTANCE is continuing to use racially discriminatory tactics to deny credit to certain XXXX demographics.
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC (CT)

Credit resolutuon LLC is reporting inaccurate collection on my XXXX credit report for a debt not owed. 


CREDIT RESOLUTIONS LLC Original creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$3600.00} Balance updated XXXX XXXX XXXX  Original balance {$3600.00}
Consumer complaint received 2021-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent all 3 major credit bureaus Transunion, XXXX, and XXXX a certified letter with a copy of my credit report disputing the information in my credit file including my inquiries and they did not investigate 99 % of my credit file including the inquiries not one. I know for a fact I didn't give consent for some of the inquiries but they still remain on there. The credit bureaus received and signed for the letters in the middle of XXXX around the XXXX thru the XXXX of 2020.
Consumer complaint received 2021-01-01
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 — Investigation took more than 30 days
Company: First Credit Services Inc. (OR)

I was reviewing my credit report and i saw that XXXX XXXX or 1st CRD SRVC reported me in collections for {$200.00}. First, I cancelled my membership and now I'm getting collection calls and to make matters worse, this is on my credit report? i never checked into that gym since i told them I'm canceling my membership. We're in the middle of a pandemic and they have the audacity to try to collect and report information. THEY NEVER disclosed at the time of sign up that members will have their credit impacted in the even of default, which in my case, i told them many times i wanted to cancel but i was always advised they needed to have a MANAGER present. i told them i work and by the time i get off, the managers are gone for the day and i live far and i wanted them to cancel my membership. its so inconvenient when you sign up, everyone can help you but the moment you want to cancel, they tell you only a manger can cancel your membership. this is deceptive and brought down my score 40 points! i will never sign go back to this gym. and i will tell everyone in town how deceptive they are when they will impact your credit.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (IA)

i have no idea how much i had in my account when they closed it... 
so guys..what are the options? is class action even possible? what can we do ... .i had i dont even want to know how much in XXXX. probably literally XXXX XXXX XXXX from when i had bought it to what its worth now..i bought it and forgot about the account just thought id get into it and same thing as everyone here... closed and can not be reopened ... im beyond words right now i bought {$500.00} worth of XXXX XXXXn robinhood in 2018 when doge was XXXX per XXXX... it is now at XXXX per ... .they robbed me of straight XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Made a medical purchase with a XXXX XXXX XXXX XXXX  Sychrony Bank  ) XX/XX/year>. Attempted to pay online a month later, card was not accepted. Called customer service and the customer service rep told me payment was accepted and payment would complete the next day. A month later I was sent notice that payment didn't go through so I attempted to pay through customer service once again and again was told payment was accepted and would complete the next day. Another month transpired and at this point after talking to customer service I was told that XXXXXXXX XXXX XXXX  debit cards were not accepted. At no point during the XXXX  XXXX months was I told that I could not use an XXXX card. There was no mention of that limitation on the website and XXXX different customer service reps did not inform me of this. I was then told checks were acceptable so I sent a check and it was not cashed as another month transpired. After all that the {$120.00} balance that I attempted to pay has escalated to {$300.00}. Called customer service several times to attempt to pay my original balance as I told them I should not have to be responsible for additional interest and fees for their mistake of not informing me XXXX cards were not accepted and telling me that my payment was accepted twice and they never cashed the check I sent. Customer service refused to eliminate the additional fees and interest and instead they told me they would escalate and investigate and it takes a month. After another month passed by I called and was told that they would open another investigation and they totally disregarded that I supposedly already had an open investigation. They told me it would take another month all while they continued to add fees, interest and reported negatively on my credit. I owe {$120.00}. I've been trying to pay that amount for XXXX months but they are trying to force me to pay late fees and additional interest for their mistakes and delays. All my calls were recorded and they have notes but they refuse to acknowledge their mistake.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHECK INTO CASH INC. (IL)

On XX/XX/XXXX @ XXXX XXXX, I received a phone call from XXXX in regards to a debt that I know I owe. I informed the representative that I had received a text message from the company Check into Cash offering to settle the account. The representative said thats not something that they do. I requested that she put me on the do not call list and informed her not to contact me anymore. On XX/XX/XXXX, I received a call from XXXX @ XXXX XXXX. Once the representative stated where she was calling from, I immediately informed her that I requested on XX/XX/XXXX to be put on the do not call list. The representative continued to ask me why and she stated that they do not have a list they put customers number on who request not to be called.
Consumer complaint received 2021-01-01
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)

I am a XXXX patient tired of the mismanagement of my Care Credit account, this company refuses to take responsibility for inaccurate information on my credit report also conflicting issues under covid-19 US mandate of reporting, sneaky tactics reducing my credit then misleading to me too closing my account the. Please refer to pending civil case Dermer v. PayPal Credit et al. 
FILED : XX/XX/XXXX XXXX ( document uploaded ) I had the issue in XXXX XXXX XXXX I dissatisfied with the services for dental work still had to go back twice I still was billed for the services, after filing dispute which they ruled in the dentist favor when it shouldn't have. I have never been late on my any of my payments. Now I'm having accounting issues with this company as well.
Consumer complaint received 2021-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NC)

I have a loan with Audi FInancial. I have requested paper statements ; however, they do not send me statements - presumably because I have paid ahead and so no current amount is due. Further, when I go to the website there are no current statements online ; nor does the website give the current balance anywhere so it can be checked or verified.
Consumer complaint received 2020-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2021-01-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (TX)

My husband and I started our home buying and construction loan process with XXXX XXXX in XXXX of 2018. We had never gone through a construction loan before so we had let XXXX know this. We had issues with XXXX not being honest with us about interest rates and really did not hear back from him until it was time to close, after closing we had some issues and was directed to the wrong person by XXXX, the contractor taking 2 draws from Gateway Mortgage and cash from my husband and I had given him, XXXX also told us that a contractor had never stolen money from a customer or a mortgage company before and then we never heard from him again. We recently settled with the contractor 's insurance company and started repairing the little things that were left to be done as the contractor had completely demolished the inside of our house and then never did any work so he had to be fired. XXXX XXXX, who included XXXX XXXX in this email as well had contacted me back in XXXX before we settled with the contractor 's insurance asking for us to complete the repairs needed in the house as they needed to close our construction file and remove the lien on our property. So as we finished what was required, I sent XXXX XXXX an email back asking what I needed to do to have the lien removed, she replied back asking for the information of my loan officer and the title company in which XXXX XXXX was included in again, I sent all the information needed along with a copy of the lien. I never heard back from XXXX XXXX again and never heard from XXXX XXXX at all in this matter and I contacted XXXXXX/XX/XXXX manager but never heard from him either. I contacted XXXX XXXX as she was the only person throughout these 2 years of dealing with Gateway and being a PAYING customer of Gateway that had consistently responded to my emails. I called XXXX XXXX 's office and spoke with his receptionist, left a message for him to call but never got a return call. I wrote this email to XXXX stating that I was going to contact XXXX and XXXX 's superiors to let them know that these employees do not care for customers and did not respond. I then got a response back from XXXX stating that she had been searching for the lien in XXXX county but could not find it and that it probably did not exist. I then responded back and stated that I sent all of that information to her and that the lien was in XXXX County in which was in the previous email that I sent. I thought that Gateway would have all of this same information that I provided as they are the mortgage company that we have our home loan with. I do not believe that Gateway cares about their customers, XXXX XXXX obviously got our business and then never have any communication going forward. These 2 years with Gateway has been a terrible experience as I feel the only employee that they have that was honest and returned communication was XXXX XXXX. I would never recommend XXXX XXXX or Gateway to anyone.
Consumer complaint received 2021-08-28
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)

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXXXXXX ; Account # XXXX XXXX XXXXXXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX