davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CARS Acquisition, LLC (FL)

In XX/XX/XXXX I was forced into a payment arrangement with no other options based off the branch my title is located. I was given the amount of {$470.00} but the last payment change in XXXX the week I was supposed to make a payment TO {$500.00} I was told it was a additional late fee added but the late fees are {$32.00} which is not adding up. I spoke with someone who stated to tell her which bill and she will decide if I can make the payment. I received a call Monday and inform the company I could make the payment of the {$500.00} on Thursday XX/XX/XXXX was told no and the collector hung the phone. I called back informed the next collector of what happen and to process the payment on my account for Thursday XX/XX/XXXX and received a confirmation number. The collector who processed the payment took the funds out of my account on Monday XX/XX/XXXX. I called to address the situation and spoke with the same collector, she stated I gave her permission which I told her there is a recording of the entire conversation. She then started to yell and hung up the phone. I called back and I ask to speak with a manager and collector told me he is busy. I also asked where was the office located to speak with a manager and the response was where your title is ( Title for the car ). Being this payment was processed without my permission on a day I did not authorize, I now have bank fees and my account is over drawn.
Consumer complaint received 2019-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2019 I spoke to XXXX XXXX about an SBA Loan or LOC and to start sending all the application process. He told me he would talk to XXXX XXXX an SBA Officer in charge of the application process. I would have to speak to her about the process and anything needed. 
On XX/XX/XXXX at XXXX XXXX, we had the phone call and discussed everything about the application. They were asking things that should not even be asked for any loan.i submitted all the documentation ASAP for them to review, then did it again, for extra documentation, without any excuse for doing this. I just had the impression of they asking a lot for me not to apply for the loan. Then the underwriting department ruled me out, and they do not even have a way of saying why not since I have everything in order. They ruled me out using standards used for regular loans instead of SBA loans which is money to help Small Businesses like mine, but it is used only for millionaires, people with money or I do not know what is the base standard, but to discriminatory. Since I'm XXXX and the business is located in a poor community. Nothing else they are actually looking for. 
The discriminatory policies on this bank and the way they used federal back loan money are being used not how is intended to be done. I have tried to talk even to the CEO and the executives alert them about this and it is impossible to do.

Please check this out and let me know.

They make me lose money and time, just to have me denied due to their discriminatory policies.
Consumer complaint received 2019-07-15
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: Exeter Finance, LLC. (WA)

I was working XXXX day on XX/XX/2018 closing shift and got a notification with a lot of inquire I did not apply for I called and asked the representative to remove them off my credit report and customer service was rude and wouldn't take care of it
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (TN)

Called my work number saying they are on a recorded line looking for XXXX somebody. Did not identify who they were. There is no XXXX. I called back and they answer as XXXX XXXX XXXX XXXX which is a debt collection agency. They had no business calling my number in the first place without properly identifying this XXXX person they are looking for. I get spam texts frequently to XXXX so I think they are selling my number for more robocalls and texts.
Consumer complaint received 2019-12-11
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: ERC (OH)

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report on XX/XX/2019, I noticed this inaccuracy and immediately sent a letter to Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 

To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute. They have not provided any documents that bear my signature nor have they provided the original delinquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for a XXXX XXXX account, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? 

Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$660.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my request, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian and XXXX, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. XXXX Experian and XXXX
Consumer complaint received 2023-02-27
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: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the Fair Credit Reporting act. The List of accounts/creditors below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Navy Federal CR UN, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (KY)

Several fraudulent debt collection accounts are being reported on my XXXX XXXX XXXX XXXX credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I am open an account with Capital one with ITIN number ( Tax Id)  which i was approve for a credit card  and also opened checking account 360 using the tax id  because i was not having social security number by then. recently i received my social security number and i decided to update my record with them and i called them. i gave them the social security number and i was inform that my call will be directed to Fraud Department to speak with a specialist, the specialist ask me to send documents through a link she emailed me , which was my SSN card, ITin Certificate, Passport, Prove of address, My Employment Authorization card, after submitting those documents through the link they provided i was in formed that i will receive a call back to know my status since they suspect fraud and i question her that i am calling them with my phone number on file so what is fraud about that.. I never received a call back for 3 weeks so i called them back to find out and for me to be told they cant verify my documents and my account will remain blocked and i argued with them that the documents are issued by the government. The fraud specialist ask me again to forward them the documents again using my mobile phone which she was on the phone with me and i did forwarded the documents using my mobile phone to take pictures and upload. i was told i will receive a call from a specialist telling me my status a day after i received a call on my home phone number which i was home and answered and i was told my account is still blocked because they still cant verify my documents.  3 days after  again i receive  a call on my mobile phone telling my due to suspected fraud the is still restrictions on my account. Today i called again because my online access has been block and i cant access my online  i felt i was discriminated due to my race because for 1 hour on phone they could not tell me reason why they suspecting that government issued documents are invalid and i was ask again to submit document which i told the gentleman i wont because this is purely frustrating and discriminating i just want to update my tax id to my new ssn and i am going through all this , he said he will forward the call to the fraud department to speak with some one which he did and all i could be told is i should wait 3 hours to login and i waited for 4 hours try logging in i still cant get access to my online banking.. i feel been discriminated and i feel been humiliated base on my race(XXXX).
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I HAVE FILED MULTIPLE DISPUTES WITH XXXX XXXX XXXX. THIS ACCOUNT WAS OPENED BACK IN XXXX. HOWEVER, CREDIT ACCEPTANCE IS REPORTING INACCURATE INFORMATION ON THIS PREVIOUS AUTO LOAN. THEY ARE REPORTING ME ''LATE '' WHEN I HAVE NOT BEEN LATE ON THIS ACCOUNT. FURTHERMORE, I HAVE SPOKEN WITH A REPRESENTATIVE IN THEIR DISPUTE DEPT SEVERAL TIMES AND I WAS TOLD THEY WILL FIX THE ISSUE. THE ISSUE IS THEY ARE REPORTING NEGATIVE INFORMATION ON THIS ACCOUNT. ALSO, THEY ARE NOT UPDATING ANY PAYMENT STATUS?! I HAVE ALREADY PROVIDED BANK STATEMENTS THAT SUPPORT MY DISPUTE. ALSO, CREDIT ACCEPTANCE HAD SYSTEM ERRORS DURING THE PANDEMIC THAT PLAY IN FACT. AFTER, I REVIEWED A LETTER FROM THEM THIS MONTH XX/XX/XXXX. THEY ARE STILL NOT REPORTING ANY ACCURATE INFORMATION! THIS ACCOUNT IS NOT SHOWING ANY CREDIT HISTORY, TERMS, OR PAYMENT STATUS. THEY ARE ALL EMPTY! THIS NEGATIVE INFORMATION IS HURTING MY CREDIT SCORE XXXX POINTS FOR ABSOLUTELY NOTHING! THE CREDIT BUREAUS ( EQUIFAX AND XXXX ) ARE HOLDING THEM ACCOUNTABLE FOR THIS MATTER.
Consumer complaint received 2022-04-22
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. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2019-12-11
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: Experian Information Solutions Inc. (LA)

This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of this year I disputed several Items on my credit reports and sometime at the earlier part of XXXX, they all came back as verified accurate reporting. I'ts been several months since then and curiosity set in. I decided to look into my legal rights as a consumer and exercise them. In the month of XXXX I requested that Transunion, XXXX  and XXXX  inform me of how they verified the information on my credit reports and request a re-investigation of the disputed items. They have failed to provide the necessary documentation within the proper time frame and have not removed the items in question. As of XX/XX/2019 I gave two of them a phone call before making this report, to see if the items were removed and both Transunion and XXXX  stated they are still investigating my dispute. I explain to them i'ts past the 15 day time frame and under the FCRA rules and regulations this is illegal. They also claim the public record was verified accurate by the courts but I've obtained information in writing they don't give out information to the credit bureaus.
Consumer complaint received 2023-12-02
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. (IL)

I am a victim of identity theft I have accounts on my credit report that I have Disputed which I spoking to the credit bureaus numerous of times, and they request a police report and a copy of my drivers license and I even sent a FTC report requested by the credit bureaus. I did comply with everything that they asked me to and Im still having problems.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

When I took out this mortgage on my home, my escrow account was set up to pay taxes. About a year and a half ago the company started sending me monthly payments that didnt include escrow payment, only principle and interest. I called the company to ask them to correct this error and put back my monthly payment as it originally was with escrow. They assured me they would take care of it and fix. A few months after that still nothing was corrected and I got a late notice for taxes not being paid. I tried again to fix with the company and still I thing was done. I decided they werent competent to correct their error. I have been paying taxes personally ever since and i now have this company showing I have a negative escrow balance which they now want to increase my monthly payment to pay for a negative escrow. Once again I have tried numerous times to contact them to fix this and again I am getting no where. I have sent them all paid checks and invoices from the city tax department of my payment. 
Its to the point that I cant keep on top of a company from doing the correct thing. With a newborn and work of my own, I accepted this mortgage where it was setup so I wouldnt have to deal with these issues on a constant basis to make sure everything is paid in time. I am wondering if I need to seek legal advice and escalate this to the next step.
Consumer complaint received 2019-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.XXXX XXXX XXXX XXXXXXXX$XXXXXXXX BANKRUPTCY COURTDocket #: XXXXBANKRUPTCY COURTDocket #: XXXX BANKRUPTCY COURTDocket #: XXXX
Consumer complaint received 2019-12-11
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. (LA)

This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.XXXX XXXX XXXX XXXXXXXX$XXXXXXXX XXXX XXXXDocket #: XXXXXXXX XXXXDocket #: XXXX XXXX XXXXDocket #: XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SYNCHRONY FINANCIAL (MT)

SYNCB/CAR CARE SYNCARE SYN CRE reported on my credit score that I did not pay my bill and wrote off the amount left to be paid. I called the company 4 times to try to find out how my name was associated with the account and if it was my bill, why hadn't I been informed that I owed the company money.

I spoke with representatives in customer service on 2 occasions a year a go and they were unable to find my name or social security number any where in the system. I spent hours on the phone with these patient women who really tried to help me but never could find my information. I tried again a few months ago but could not get beyond the automated system since I am not in it, I can't get information.

After hearing about your organization I thought i would try again. Once more I could not access a human.

The only reference I have to the account is that I am listed as a co-signer with XXXX XXXX. I was to be taken off of the account but had never received a bill or any notices from the bank. I was able to find a partial account number but nothing else. 

I, as seen on my credit report have always paid my bills on time, without missing payments ever. Can you help me? I want to resolve this.