davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I refinanced with AmeriSave in XX/XX/XXXX. I went to closing XX/XX/XXXX. My interest rate was locked in at XXXX. Just before closing they changed my interest rate to XXXX without telling me.
Consumer complaint received 2023-08-08
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: LEXISNEXIS (UT)

LEXISNEXIS AND XXXX, AS WELL AS XXXX XXXX XXXX XXXX XXXX, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (GA)

I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau. The company Credit Control , LLC continue to ignore my request.
Consumer complaint received 2020-12-25
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. (NJ)

In early XXXX, I was a victim of identity theft when one or more unknown individuals opened an account with XXXX ( XXXX ) using my identity without my knowledge or authorization. XXXX identified the account as fraudulent and promptly closed it. I then followed all the steps to report this as a fraudulent account ( including, filing a police report and providing XXXX with all of the requested identifying information ). On XX/XX/XXXX, I was finally notified by XXXX that my claim was resolved. Specifically, in its email to me, XXXX stated : " We've investigated your claim and determined that you are not responsible for any of the charges related to account number [ XXXX ] ... '' ( I am happy to furnish the email sent by XXXX. ) XXXX has also notified in that email that they will be notifying the credit agencies to remove the account. Notwithstanding that resolution by XXXX, the fraudulent XXXX account still appears on my credit report.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX 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 2020-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (KY)

In XXXX of these years after 1 payment being late over 30 days, the company tried to intimidate and scare me by sending a letter stating that I had given them a bad check ( NSF ). This tactic was used to scare me into calling them so they could obtain my number to further harass me. They then sent a second letter wanting me to call them with a phone number. I never wrote a bad check. The last payment I made was in XXXX, not XXXX. However this tactic caused great stress to me. The letter did not include a check number, an amount, or a photo copy of the check. It was simple deceit and pressure. The county attorney was never notified of any bad checks either. 

The particular office is MARINER FINANCE, XXXX XXXX XXXX  XXXX, XXXX KY XXXX. Phone : XXXX
Consumer complaint received 2023-10-17
Product: Credit 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 (IA)

This is the follow-up complaint to my first with Discover Card regarding a credit of {$100.00} to my account that was not mine but left on my account for 4 months after repeatedly asking them to take it off my account the day I spend the {$1100.00} for months later through time not all in XXXX day, they then acknowledge through emails that it was a mistake on their part and that my account will be charged {$1100.00} we are both at fault here discover and myself, I request I pay this back at {$50.00} a month no interest until paid got a response from XXXX and the executive branch saying I could call her on this matter I've done so several times and have not heard back!! Would like to get this resolved before they start charging me Interest on the mistake they couldn't correct for 4 months who makes a payment of {$1100.00} and doesn't notice it's not applied to their statement and doesn't start calling something's a little fishy here. Hope this isn't a common practice with Discover card for people that don't use their card on a regular basis at a bogus credit to their account just leave it until that person tries to spend it and then they slam it on their account meanwhile there was never a legitimate person sending in a credit that got applied to my account " mistakenly ''
Consumer complaint received 2020-12-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer first repossessed my vehicle after making an verbal agreement of weekly XXXX payments. Following the repossession I didn't receive any information regarding the vehicle such as : proof all of the required notices were properly and timely given, all of the allowable redemption and cure time limits were adhered to, copies of the legal notices, where to repurchase the vehicle, and proof of the commercially reasonable manner of the resale of the subject vehicle. Recently I contacted Santander for the above mentioned information which they again failed to provide to me. Santander is further violating my rights because they are inaccurately reporting different information on each credit report : Date opened, Number of terms, High credit, Date last active, and Date of last payment.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I received your letter, which was generated by a computer, informing me that you had stopped looking into my credit reports because you think I may have used a third-party credit repair firm. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request. 

I requested an investigation into matters that I felt to be fraud, erroneous, and falsely represented in a letter sent to the creditors listed below on XX/XX/2023. I have yet to hear back from anyone. In my opinion, this is not just a delaying ploy to give me another 30 days to comply with my first request, but it also clearly violates 15 U.S. Code Section 1681i - Procedure in case of disputed correctness.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened a Truist One checking account with Truist at the beginning of XXXX, XXXX. Part of the terms of opening the account were a {$400.00} bonus for opening an account if the customer provided XXXX or more direct deposits totaling {$1000.00} within 90 days of opening. I had {$1600.00} in deposits via XXXX different direct deposits in the first XXXX  months of opening, while also maintaining a positive balance for the duration of the accounts existence. I verified with Truist after opening the account that I had used the proper promo code when signing up, and would be eligible to receive the bonus. 

At the beginning of XXXX I received a notice from Truist that I would not receive my bonus, because I did not meet all the qualification requirements of the offer. After receiving this email I verified that my direct deposits and positive account balance were more than sufficient to meet the terms set forth by Truist, and contacted them to try and resolve the issue. They received my call and told me they would open a case, but have yet to get back to me despite being past the timeline they set forth for a resolution. I have been very frustrated with the customer service provided by Truist, and feel that they are being misleading to their customers in an attempt to build their deposit base.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received an XXXX  Loan/Grant from the government in XXXX to pay off my employees and myself for our services. I run a XXXX and XXXX  XXXX XXXX, XXXX  XXXX, XXXX, XXXX, and XXXX  XXXX. We provide services for XXXX  XXXX  around XXXX XXXX. 6 months later my account was frozen, after I have paid all of my employees and received a stimulus, several other payments, unemployment and more. I find this to be extremely weird and offensive given I have had this business since 2009 and no one will tell me what is going on. I am being accused of fraud and quite frankly I'm thinking about suing. This is in the middle of a pandemic and I find it to be completely tasteless, bias, discriminatory, and baseless.
Consumer complaint received 2020-12-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

Santander was barred from illegal business practices in their recent settlement agreement with the attorney general. My current loan violates those terms. I signed a purchase agreement on XX/XX/20 with my fiance. The original terms were at XXXX percent interest and we both had credit scores in high 600 with no negatives. Twenty days later on XX/XX/20 the dealer XXXX XXXX in XXXX Arizona called to inform us they couldn't obtain financing and we had to sign new loan documents. After they had ran over 19 inquiries causing our credit scores to drop significantly. I was then told to go on the loan myself. The rate changed to XXXX percent. I told the finance manager there is no way I could afford that high of a payment I don't make enough. He stated it was too late the deal was already done. my income and expenses were never verified and I believe my application was altered to make their deal go through in order to profit from this predatory loan. In a matter of months I will end up loosing this vehicle as they intentionally planned which their history reflects.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

I have received a phone call from Commenity Bank every day and they have filled my inbox with voicemails stating my issue has reached an escalated status over the last few months despite when I mailed them and requested specifically written communication exclusively. I requested a copy of the last billing statement from the original creditor, proof of a debt I owe, copies of purchase orders/delivery slips/etc., any late fees that were incurred, and the license number and holder name for the debt collection company. I only received printed pages from the original creditors website with the total amount owed. I've called the company and informed them I've been a victim of identity theft and this account is fraudulent and they have taken no actions to assist in any investigation or dispute. I'm now filing this complaint per the suggestion of my lawyer.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Several things to address in this complaint. 

1. I sent a certified letter to Equifax- on XX/XX/2024 noting several violations of the Fair Credit Reporting Act ( FCRA ). 

2. XXXX knows and has notified me that my information was leaked on the Dark Web and I've advised them I'm a identity theft fraud victim. I also enclosed the dark web leak in the attachments I am also a victim of the Equifax data leak. I've included attachments showing both are true. 

3. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

4. Also in their response they stated " We were unable to locate a credit file in our database with the identifcation information you provided, in order to further assist you, we will need additional documents to verify your identification. '' However they not only located my credit profile but on XX/XX/2024 my dispute was submitted prior to them sending me a letter on XX/XX/2024 stating they couldn't locate my file and then completed the dispute without me sending them any supportng information at all. I didn't send them any supporting documentation until XX/XX/2024. Ive included the attachments for reference. 

1. 15 USC 1681 Section 602A 2. 15 USC 1681 Section 604 A section 2 3. 15 USC 1681c ( a ) ( 5 ) 4. 15 USC 1681s-2 ( a ) ( 1 ) 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-05-02
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. (CA)

I have been having trouble with Equifax. Removing items off my report that wasnt done by me. Ive been a victim of identity theft since 2019 and have been working on fixing my credit. But they have yet to remove anything. They keep stating thats it me that opened the account.
Consumer complaint received 2020-12-24
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: EQUIFAX, INC. (FL)

I attempted to make contact with XXXX XXXX XXXX  in XX/XX/2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I ordered an e-gift card from Macys for {$100.00} on XX/XX/XXXX to be sent to my home email and it was never received. The order number is XXXX. I called right away to let them know it was not received and they should cancel it but was told to wait a couple of days because some times it takes that long to get delivered. I have called Macy 's customer service at least 6 times to date and have repeatedly told them that the gift card was never received. Every time I called I was told the {$100.00} was in the process of being credited back to my Macy 's credit card account and I would see the refund posted in 3-5 business days. Today I called again ( 22 days later ) to ask when my refund would be processed and was told that the gift card was intercepted by some fraudster and since it was used I would not be getting my money back. Had Macy 's cancelled the card when I first called on the day it was ordered it would not have been able to be fraudulently used. Macy 's policy states that once a gift card is delivered if it is lost or stolen the customer is responsible but this card was never received by me which is evidenced by my numerous phone calls to their customer service department. As a result, I respectfully ask that you please help me obtain a refund for the {$100.00} e-gift card that was never sent to me by Macys.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (DC)

The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) And Via The privacy act of 1774, my federally protected consumer rights to privecy and confidentiality as be violated under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I am now opting out of any, and all authentication i the consumer may have given the Company written, and unwritten, verbal and nonverbal Via ( 15 USC 1602-1605 protection of public personal information ) The Account Ended in # XXXX is marked on my report as a charge off that is now considered a certificate of indebtedness that is now considered income by the IRS also income can not be reported to ones consumer report. Also Via 15 USC 1681B Permissble purposes indicates that information should be 100 % accurate the account has inaccurate dates, and payments history the law also states it is illegal to report transaction history via USC 1681 A section 2
Consumer complaint received 2022-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Referring to Section 623 of the Fair Credit Reporting Act and contacts the data furnisher to prove that a debt belongs to the company. Also, what method did they use to verify the account. The credit bureaus have denied me the right to dispute this, I want to see how they verified this account. I wholeheartedly deny these accounts as mine. 

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 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.