davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : Credit Management
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC (CA)

the debt collection company is northstar location services, XXXX ny. 
the amount they want is for {$300.00}. this amount is for a late fee at a XXXX credit card. the amount owed on the credit card ( I think the amount was for {$25.00} ) was paid by me on time quite a while ago, maybe over a year ago. but the credit card company kept tacking on late fee after late fee, although I called the credit card company several times to explain the issue. 
now this collection company, northstar, calls me every day, sometimes 2 or 3 times a day, sometimes at XXXX XXXX. 
I no longer have that credit card. I am XXXX tears old and would like to live my life without this constant harassment.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Transworld Systems would verify the debt. So I took it upon myself to ask Transworld Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-11-13
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: BARCLAYS BANK DELAWARE (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-01-30
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: M&T BANK CORPORATION (NY)

One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to MandT bank. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows MandT cashed it as well as my bank statement that shows the withdrawal. MandT reported to the credit agencies, XXXX and XXXX  that my mortgage was past 30 days late. I contacted MandT to get this resolved and have not received a resolution. I filed a dispute with XXXX  and XXXX  and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX XXXX  finalize their dispute which indicated that MandT   verified that the information they submitted was correct. I don't believe that XXXX reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from MandT bank. MandT bank clearly falsified this information which has now impacted my credit score.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX {$4500.00} purchase. Sears Home Improvement salesperson stated that new account was approved with 18-month finance free promotion.

I have been making monthly payments of {$260.00} to ensure that the total balance is paid off prior to the 18-month promotion expiration.

XX/XX/XXXX {$39.00} interest was charged to the account for the first time.

I have emailed and spoken by phone to approximately 10 different individuals who have not been able to assist with this matter. Either the account was established incorrectly, or the salesperson engaged in deceptive credit practices.

I have requested that the account be closed immediately, and I will pay the balance in full ( less the {$39.00} interest assessed in error ).
Consumer complaint received 2022-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

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

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (WA)

On XX/XX/XXXX I bought a used XXXX XXXX XXXX from unique imports auto dealership in XXXX Arizona. I financed the car by putting {$1500.00} down at the dealership and financing the rest ( XXXX ) The bank that supposedly had given me financing is XXXX financial. 
I drove the car back to XXXX where I was staying and the car broke down. On XX/XX/XXXX I called the bank informing them that the car was broken and I no longer wanted the loan and they said good to know, we actually denied your loan a few days ago and we informed the dealership and they should have come to take the car back already. I asked if anyone was going to inform me of this, and they said no they had informed the dealership that the financing had not gone through and they expected the dealership to come and repossess their car. 

The only thing that it says on my paperwork that I needed to do in order to go through with the loan is that I needed to be available for a telephone interview with the bank, which I did before leaving the dealership. The bank called me and asked me some questions and then said I was good to go, I had a loan. 

Well, as I found out later, this turned out to not be the case. I never got an official approval *or* denial letter in the mail from XXXX They extended conditional financing to me which they later denied, but there is nothing in the paperwork I was given from XXXX or the dealership that states that the financing was conditional upon anything other than my short phone interview. 

XXXX stated they were denying the loan because they could not verify my employment via contacting my manager. I am a delivery driver for multiple apps and therefore do not have a manager. This was not noted on any of the loan paperwork that the approval would be conditional upon them contacting my manager. They only informed me of this after I had left with the car, had it for a week, and called them reporting problems with the car, which turned out to not be relevant at all since they had denied financing days before I did this. 

I was never assigned a loan number by the bank at any point, because as it turns out they never gave me a loan. The only number I have relating to this is an application number that they gave me which is XXXX V # XXXX
Consumer complaint received 2022-05-19
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: JPMORGAN CHASE & CO. (IN)

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

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

The disputes in question are 1. XXXX {$780.00} charged on XX/XX/2021. 
XXXX. XXXX {$810.00} charged on XX/XX/2021. 
XXXX. XXXX {$35.00} charged on XX/XX/2021. 
XXXX. XXXX {$93.00} charged on XX/XX/2021. 

On XX/XX/2021. Citibank XXXX responded to my dispute that it has been closed and the merchant needs to be contacted directly. Per Citibank below is the extract from the letter. 

" We previously disputed this charge for you and we took the funds from the merchant. You then cancelled that dispute XX/XX/2021. We closed your dispute since you cancelled it and once you cancel the dispute we can not reopen the dispute for you. Therefore, if you wish to dispute this charge, you will need to contact the merchant directly as we have no further recourse to assist you. " After contacting the merchant, the merchant requires a letter confirming that the amount has been returned to merchant and dispute closed with me losing. Because as per Merchant, they closed the dispute in my favor and returned the money to Citibank. Below is the excerpt of response from the merchant. 

" Please allow me to reiterate that our XXXX team have confirmed that your dispute was closed in your favor. We have been debited. That means your credit card must credit your account. Please provide a letter ( not credit card statement ) from your bank advising that you lost your dispute and you were rebilled. '' Can you please request Citibank to take care of this and provide me the letter or my money of US {$1700.00}.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Below are the accounts that are reporting on my Credit Reports : 1. CAPITAL ONE BANK USA N XXXX Opened XX/XX/XXXX Balance {$0.00} ; 2. CAPITAL ONE BANK USA N XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I went into the American eagle store to purchase a jacket. Before making my purchase I was asked by the associate if I wanted to apply for the AE rewards card. I agreed but before going through with the application I asked the employee if it would be a soft or hard inquiry. I was then told by her own manager that it would be a soft one so I proceeded. I was denied immediately. The next day I saw that the application came up as a hard inquiry on my credit report and my score is instantly lowered. A similar issue happened on XX/XX/XXXX that also affected my score. The associates refused to help in removing this. I dont believe its fair for my credit to be dangled because of the incompetence of these employees. I am asking American Eagle to contact their bank synchrony to remove these inquiries as this could be considered fraud and is unauthorized use of my information. I would like to resolve this amicably before getting legal entities involved. I also had a similar experience when doing into XXXX on XXXX
Consumer complaint received 2021-11-13
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: Exeter Finance, LLC. (IL)

I have been trying to get in contact with this company for months. I have not received a response back or anything displaying this account is in dispute when viewing my credit profile. I have sent letters to them on XX/XX/2021, XX/XX/2021, and XX/XX/2021. The company has not responded nor has the bureaus verified the account accurately, The account has not been updated reflecting that I have been disputing, Why is this account still reflecting?
Consumer complaint received 2021-10-30
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. (UT)

I have sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed
Consumer complaint received 2021-11-13
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I have no idea who I C Systems, Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I C Systems, Inc is indicating that an account with the account number XXXX  was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I C Systems, Inc as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ I C Systems, Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to I C Systems, Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-10-13
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. (AZ)

Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

THIS IS NOT A DUPLICATE! I have sent an identity theft report ( FTC ) through CFPB for inquiries that was not authorized by me ( without my written consent ). I sent a complaint through this portal. I got a response from Equifax, XXXX XXXX stating that 17 of the inquiries were deleted. The confirmation number for the file is XXXX. I received another one on XXXX XXXX file number XXXX, and XXXX, file nimber-XXXX and with the inquiries still being listed. I feel that this is a violation of my rights as a consumer. I called Equifax three times today and when I got to the fraud department and gave them the information that was needed, I was told that I had to send in my identification and Social Security Card again. I have sent them this information. I have sent it through this portal as well.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I have been disputing a charged off account on my credit report with all XXXX agencies. It is my understanding according to NY state law that the debit should be removed after XXXX years. It has been XXXX months shy of XXXX years and I can not seem to get this removed from my credit reports. It is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account number is XXXX. I am a single mom going to college working XXXX and wanting to purchase a home as soon as this is off my credit report. If you could help me that would be great. I have done research and NY law states XXXX years. Thank you for your time.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dobberstein Law Firm, LLC (WI)

I received a voicemail on Friday, XX/XX/XXXX which states, " We have an important message from the XXXX XXXX XXXX. This is a call from a debt collector. Please call XXXX. '' I left a voicemail later that day. When I wasn't contacted, I left another voicemail on Wednesday, XX/XX/XXXX following up and asked someone to return my call. I've received no written verification of the debt ( or anything from them, for that matter ) and they haven't returned my voicemails. I thought this was all very odd as I pulled my credit reports and didn't see anything awry. I XX/XX/XXXXthem and unfortunately it looks like XXXX people have had this same experience of being contacted by them and not being contacted back.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I have never been able to get a credit report from annual credit report for Equifax. If I have its been several years since I have been able to. I am not able to pass the verification questions because they have wrong data on my reports. I sent a copy of my drivers license and my social security card to them certified mail and they received it on the XXXX of XXXX. I called and explained the issue, and was again asked about 10 more open ended questions about my report. I explained that I was in bankruptcy and that I would need to know if she was looking for information from before or after. The representative did not know how to answer that question. She continued to ask me questions and then locked me out again. She had my drivers license and social security card the whole time. The purpose of me sending my documents was to avoid having to answer those questions again. I am now being told that they want a copy of a bill. Once I provide that they will do the something again. I can see incorrect information on my credit report through another bureau that Equifax is reporting. My rights are being violated by this reporting agency. They are refusing to give me my report but are continuing to ask for more and more information. I spoke wit XXXX, in a country outside of the us and her agent number is XXXX. It is now XX/XX/2019 and this company never sent my credit report after getting my documents on the XXXX of XXXX. They also told me that I could not log into Equifax.com due to my IP address but my partner is logging in just fine on the same computer. I need help.