davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX IN RESPONSE TO CFPB COMPLAINT WITH TU : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. thanks
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

I have been trying for two months to pay my PayPal / Synchrony Bank credit card payment.

The moment the payment is a day late, they block access to the online account and force the consumer to call. I don't trust over-the-phone payment systems and don't need to tolerate verbal abuse by their billing agents.

This is not the first time this company has used this abusive billing practice to prevent customers from making their payments online and reviewing charges on their accounts. Last time I found several charges, but by the time I was able to access my account, it was too late to file a claim. This is not fair debt collection.

I've requested at leas

t two or three times a week via e-mail service that they unblock my access so I can pay my payment. I'm now about 40 days past due, which is going to impact my credit because they refuse to allow me access to make my payment. When I did call the number, it said there was no account associated with my phone number. Their systems do not recognize me, yet they call me several times daily and send text messages and emails daily, but their system claims no account exists. They're trying to force me to talk to their collections department on the phone and give my full social security number so they can locate my account, and I am not providing that information via the phone. This seems to be an unfair business practice when there is no way for me to make a payment. I have no checks, I've always paid bills online. I can not access statements or activities and have no way to know if any unauthorized charges have gone through. All my statements are in the online portal because I have paperless billing. Even though I have been struggling between jobs, this is the ONLY account I am behind on, which should tell you something. Their practices are preventing me from paying what I owe. If they want me to pay, they need to stop arbitrarily blocking access to my payment portal so I can actually submit a payment. I don't have a physical card for this account. I haven't used it in months and did not realize it had been lost, likely when I moved six months ago. I can't even send a cashier 's check to their billing address at this point, because I do not have the full account number. I've sent this request so many times via their e-mail customer service, yet they refuse to even acknowledge my messages or attempt to resolve the issue so they can collect payment. This should not be an impossible request, and they should not be able to ignore my countless requests to access my account online or in the app. Both m
ethods disallow access, claiming no account exists.

If no account exists, then I guess I do not owe them money.

If they want to be paid, they should allow customers to pay how they feel comfortable.

These kinds of punitive practices should be disallowed if they aren't already.

Fair debt collection is just that : Fair. This abuse of process is not fair.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IN)

Enticed by their XXXXXXXX Tiered Bonus offer I opened a checking account with Citibank on XX/XX/XXXX within the bonus offer window of XX/XX/XXXX through XX/XX/XXXX. 

( While I once believed I qualified for a {$700.00} bonus, after reviewing the dates and the fine print parameters of the offer, I concede I only qualify for the {$400.00} bonus. These dates and documents confirm that. ) To qualify for the {$400.00} bonus, I deposited an amount that exceeded the required {$15000.00} by the XXXX day of the account being opened, XX/XX/XXXX. 

The account balance exceeded the maintenance requirements ; balance did not fall below {$15000.00} for the minimum XXXX calendar days. The required maintenance period ended on XX/XX/XXXX. 

In XXXX I called Citibank on to verify that I was on scheduled and qualified to recieve the bonus ( I don't recall if it was confirmed to be a {$700.00} or {$400.00} bonus. ) I was told I would qualify if the balance remained through XX/XX/XXXX. 

According to the agreed terms and conditions I should have received my {$400.00} bonus by XX/XX/XXXX. 

I contacted Citibank multiple times after XX/XX/XXXX when I realized I had not recieved the promised bonus. Although not my first attempt, I have recorded that I contacted Citibank on XX/XX/XXXX. I was told I would receive a response within 3-5 business days, case # XXXX. I reached out again after the 5 business days and was told again that I would receive a response within 3-5 business days. Another attempt after another 5 business days I was told that I would have a response in 15 business days from my initial complaint. 

On XX/XX/XXXX, I received a document from Citibank denying my claim to the bonus and they requested I provide documentation by fax to prove that I am owed the bonus. Since they already have all the documentation in their own system I decided to file this complaint.
Consumer complaint received 2023-01-05
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (SC)

Received calls for past three weeks starting XX/XX/XXXX from Nationwide Recover systems. First contact I verified information and asked to send me letter so I can validate debt. They continued to call but never received letter they said would send out. Today XX/XX/XXXX received 2 calls. First collector to call was ok but explained that I never received verification of debt from the company. I explained that will not pay until the company has sent me the documentation, as I clearly and repeated DO NOT CALL ME until they can verify was sent. I ask him to put me on companies internal do not call list. The collector then acknowledge a politely ended call. About 39 minutes later get 2nd call from same company same number to collect on debt. After 5 minutes of speaking collector terminated call. At this point it is harassment and they refuse to send information requested and are in violation of the DNC.
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Auto Sales Inc. (GA)

I entered a contract with USAuto Sales on XX/XX/2016. The car was totaled XXXX. I took the proper steps to notify all uncooked parties. Finally on XX/XX/2016 XXXX XXXX emailed me the Service Contact Cancellation, which I returned. Prior to this I'd spoken to XXXX and XXXX as well as XXXX to resolve this matter, to which no resolve was EVER gained. I have tirelessly attempted to resolve this matter since that time. Provided numerous emails, documents and calls to render a resolution. As of recently, I have contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX most of which also promised a resolve also.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WELLS FARGO & COMPANY (CA)

I have been trying to reopen a business account for almost a year. I even deposited cash in the closed account that was charged off because of automatic withdrawals from IRS, XXXX XXXX. 

The bank refuses to reopen the account or even assist me in collection of monies due to the government. 

Yesterday, XX/XX/2020. I just tried to change the address on the company account because the address it had on the last statement was some personal address of a XXXX who was a signer before but the company isn't even operating anymore. Then they proceeded to ask me all these other addresses which I assume were this signers, which I have no right to know where she lives now or what is doing. 

I tried to change the address at the branch, they told me no business banker was available due to covaid, I called, they couldn't do it on their system for some reason. I dont understand why the business address is not the same as the server of process recorded at the state of California because if any debt collector wants to collect on a judgement for a loan, taxes, unemployment etc, they can levy the account. The account holder deserves notice of the levy. 

The address is important. 

Attached are my statements and the current statement of information that I would like wellsfargo to reflect on my closed business accounts.
Consumer complaint received 2020-06-19
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: Bread Financial Holdings, Inc. (NC)

Victoria Secret is incorrectly reporting a delinquency account on my credit report. Report shows an account opened in XX/XX/XXXX and charged off in XX/XX/XXXX with a {$910.00}. This account was closed years before XXXX and should have been removed. The charge off has been reported on my credit report more than once and renewed for an extended period of time. I requested proof of account and charge off date to no avail. Company closed my dispute without removing this from my credit report. I currently have a victoria secret card thats was opened in XXXX, which makes no sense they are reporting an account charged off the previous year.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MI)

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. 

In late XX/XX/XXXX I received a collection notice from Sequium Asset Solutions , LLC. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. 

Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. Consequentially, I have been unable to dispute any alleged collection notices in writing by mail during the COVID-19 crisis/epidemic. That is, outside of the CFPB I have not had the ability to exercise my Right of Notice and Opportunity to Be heard that I am afforded as a part of my rights of Due Process. In fact, the stay-at-home order was not rescinded until XXXX XX/XX/XXXX and my state continues to operate under a a state of emergency declaration pursuant to Executive Order 2020-106 issued XXXX XX/XX/XXXX, and superseded by Executive Order 2020-127 issued XXXX XX/XX/XXXX by the Governor of the State of Michigan. 

I do not owe the alleged amount.
Consumer complaint received 2023-01-05
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. (NC)

Name : XXXX XXXX I have a charge off account in my name with XXXX XXXX. I shouldve received a XXXX Cancellation of Debt Form. Because of that, the account is INACCURATE and HAS TO BE REMOVED
Consumer complaint received 2023-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (CO)

Seedfi is currently holding my deposit of {$2500.00} after paying off a loan with them. Loan was paid off XXXX and I have made multiple inquiries and get the same standard response that they are waiting for confirmation of loan being paid off.
Consumer complaint received 2020-09-28
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2020, I submitted a dispute to XXXX  to an item in my credit report. The item is a revolving credit account with Syncb/Belk of XXXX FL. This account is reflected on my credit report although I did not open the account. On XX/XX/2020, XXXX  resolved this dispute by providing a statement from Syncb/Belk indicating I was an authorized user. Neither XXXX  nor Syncb/Belk provided any documentation reflecting my agreement to this authorized user status, nor did they provide any documentation showing what charges were made by the " authorized user ''. At this time I am requesting those documents. If it can show I neither authorized this user status or no charges were made by me ( authorized user ), this should be removed from my credit report and my name removed from that Syncb/Belk account. 

Since I am not the primary member on the Syncb/Belk account, the situation could not be discussed with me. 

Thank you
Consumer complaint received 2020-09-28
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)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX IN RESPONSE TO CFPB COMPLAINT WITH EX : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. 

thanks
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XX/XX/2016 {$1500.00} This account is an result of identity theft please investigate. I have reached out to this company several times and has gotten the run around.This account has caused me financial devastation
Consumer complaint received 2022-11-06
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. (UT)

I have filed approx. 4-5 disputes with Equifax regarding my revolving XXXX account with XXXX XXXX XXXX XXXX They are reporting it as closed as of XX/XX/2022 but the account is NOT closed. After their investigation, they simply come back and say its been verified as accurate. But thats incorrect. I submitted another dispute today, XX/XX/2022 in hopes they get it right and fix it.
Consumer complaint received 2020-09-28
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. (GA)

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to these accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XX/XX/XXXX The Manager XXXX states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American XXXX XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed  contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Consumer complaint received 2024-02-27
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. (FL)

In accordance with the Fair Credit Reporting Act and XXXX  Account.. Has violated my rights. 


1st. 15 U.S.C 1681 section 602 A. State that I have the right to privacy.

2nd. 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 permission without my written instruction 3rd. They have performed and investigation and state that the information in the report is accurate and it is not.
Consumer complaint received 2023-03-17
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: ALLY FINANCIAL INC. (FL)

YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

I am writing you today to inform you that I am excercising my right to OPT out of having my private public Information shared with the consumer reporting agencies. 

ALLY Financial XXXX XXXX XXXX ( XXXX ) XXXX