davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (NY)

Consider this as my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 2024-03-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

Citibank offered a {$600.00} promo to add checking and savings account on line and mailed promos with minimum of XXXX and now refused to pay promo after 3 month time frame is well over being deposited in XXXX. 

I just spent another hour on the phone and supervisor refused to give me her supervisor or legal department and intentionally hung up and this was 2nd attempt so 2 hours of my time. 

I was told I had to have the promo ID which I guarantee was not provided on screen or I would have screen shot. I see on line they are doing this to many others. Don't let banks rip people off please.
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AZ)

We had an account with XXXX for 14 years at one residence ( in Arizona ). We never missed a payment and had an impeccable credit rating with XXXX. Due to my wife 's father becoming ill we had to move to XXXX for XXXX year. We had XXXX at our residence in XXXX  ( XXXX XXXX XX/XX/XXXX ). We moved back to XXXX  in XX/XX/XXXXor employment reasons. In XXXX, we were advised to suspend our account ( no charge because we were excellent customers for 14 years ) and set up the service when we arrive in XXXX. Unfortunately, where we relocated in XXXX, XXXX was not available. We made a final payment to XXXX in XX/XX/XXXX and cancelled the account at that time. The equipment was returned in XX/XX/XXXX. We have the receipts to prove this from XXXX. XXXX did acknowledge the returned equipment. We started to receive bills stating we owed {$700.00}. I have been trying to speak with customer service representatives about this bill for over one year. This {$700.00} amount is now listed with a collection agency. My wife and I are trying to purchase a home, and this account is damaging my credit rating and ability to secure a loan. I have on record that I have communicated with three supervisors ( as well as their ID/Badge numbers ) about our situation. I can not get any answers or feedback about how we owe {$700.00} dollars. We never received an itemized bill with any charges. No charges should have been incurred as the account was suspended and then cancelled. One supervisor removed a {$66.00} charge immediately, stating this was not our fault. If this was done, how do we to owe {$700.00} dollars? I have been trying to communicate with XXXX for over one year. There is no justification to this charge. We never authorized these charges. When speaking with the supervisors all of them guaranteed to give us a return call ( about our situation ) within 5-10 business days. This has not happened. I was told to respond to an email as I was speaking with a supervisor to verify the correct email address. I did this while we were speaking on the phone. We have not received any information or resolutions about these charges. There was even a quote from a supervisor who stated the " back office '' would investigate and reply within 5-10 business days. I would welcome the opportunity to speak on the phone or communicate via email.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (PA)

The account was opened on XX/XX/2020, but i didn't know it was opened until a couple of months ago. I tried to dispute the account for identity theft, but the company denied the dispute. I'm not sure why, but this is one of many accounts I've had to dispute.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Claim # XXXX Date Of Loss XX/XX/2019 This claim was settled with Credit Acceptance for {$2700.00} on XX/XX/ with XXXX XXXX and they are still trying to collect the balanced and the insurance company stated that the account was settled with them. 
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 a 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 2023-03-18
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-28
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: SYNCHRONY FINANCIAL (FL)

I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from. 


thank you
Consumer complaint received 2019-06-28
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: SYNCHRONY FINANCIAL (FL)

I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from.

thank you
Consumer complaint received 2020-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP (NY)

I have attached relevant documents regarding my motions for poor person status and appointment of counsel and motion for a stay of the foreclosure judgment and report of judicial misconduct, the two replies and a subsequent letter to New York State 's mid-level appellate court, The Appellate Division of the Third Department. From reading these documents and some of the exhibits attached, I think the CFPB should see the merit of my appeal and how Key Bank 's legal arguments through its attorney-for-plaintiff, XXXX XXXX, XXXX. of XXXX, XXXX, XXXX XXXX XXXX, XXXX are not consistent with federal bank regulation, New York State statute and New York State Court of Appeals precedent. 

I have sent a copy of this complaint to Key Bank CEO XXXX XXXX and SVP and Manager of Credit Collections and designated CFPB regulation compliance officer XXXX XXXX.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

I am getting fed up with everyday statuses changing on XXXX XXXX. The issue with XXXX XXXX is NOT resolved. They have been reported to OCC and Financial Ombudsman AND XXXX AND CFPB. They have charged credited and recharged an amount for {$1000.00} since XXXX. IT IS NOT RESOLVED. I paid the {$1000.00} because of the negative on my account, BUT I AM STILL AND WILL CONTINUE TO FILE COMPLAINTS UNTIL MY {$1000.00} IS RETURNED. CFPB has repeatedly NOT DONE THEIR JOB.!! I HAVE NEVER HAD AN AMT OF {$1400.00} ON ANY OF MY 2 CREDIT CARDS WITH XXXX XXXX. My allotted amounts are {$1200.00} and {$1300.00}!! I WOULD GET DECLINED IF I REACHED XXXX!!! and why would the balance be the same EVERY MONTH. I'm about to file suit against EVERYBODY INCLUDING CFPB!! I'm fed up with this. As far as XXXX XXXX. It is supposed to be removed. I have ONE ACCOUNT NOT 3 AND SHOULD NOT SHOULD PAYMENT HISTORIES FROM XXXX UNTIL XXXX WHEN I FILED BKXXXX AND STILL DISPLAYS AMOUNTS ON XXXX!!! I WANT PAYMENT HISTORY REMOVED AS PER REQUEST BY OMBUDSMAN IN XXXX!!! I WANT PAYMENT HISTORY AND ACCT FROM XXXX XXXX REMOVED AS WELL AS PAYMENT HISTORY SINCE CONSOLIDATING. I WANT RESOLVED ON MY XXXX  XXXX REMOVED. I PAID IT BUT XXXX IS STILL OWED TO ME FOR BECAUSE I WAS DEFRAUDED BY A DEALERSHIP AND XXXX XXXX HAS ALLOWED IT. THERE IS A COMPLAINT WITH XXXX XXXX XXXX FILED
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

Good afternoon! I am filing a complaint in regards to a XXXX XXXX account that I have been disputing. I have requested on numerous occasions to obtain the original consumer signed contract & XXXX XXXX, nor Weltman, Weinberg & Reid Co had responded with a copy of the actual consumer signed contract. I have been attempting to resolve this matter for months & have had no luck. What I am asking for is very simple. An original consumer signed contract. I have requested the again via email to Weltman as well, with no response to date. There is a court hearing this Wednesday and I am doing everything I can to resolve this issue. PER FCRA 609 I have requested what is a proper debt validation & it seems impossible to obtain that copy from XXXX  XXXX  or Weltman. In their last response they claimed they werent reporting this to the Credit Bureaus, which is not true. The information that was sent to me in XX/XX/XXXXwas not a valid debt verification. Anyone can send me copies of bills and statements. That is not what Ive been requesting. As I have said I am doing my best to resolve this matter with no such luck.
Consumer complaint received 2018-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have submitted several disputes with Equifax. They refuse to remove the in accurate information. I have sent letters, which i attached below as well as spoke with several representatives between the creditors and Equuifax. 

Equifax has an address on file that does not belong to me, not associated with any account reporting. I have disputed twice in the last 60 days alone, XX/XX/XXXX and XX/XX/XXXX. The dispute resolved both time, with the address still reporting. This is not my address, never resided at this address. 

There are several inquiries being reported, that i did not authorize or give permission to the creditors to pull my credit. I contacted Equifax by phone and letter and was informed to contact the creditors directly, so i did so. The creditors did not provide me with any information proving authorization from me to pull my credit. They sent letters stating to contact Equifax to have the inquiries removed. I am being bounced between the creditor and Equifax and no has provided me with any proof or validation. I am not disputing any inquiries i am aware of. I know what i applied for. These companies do not have a right to pre screen or pre approve me for anything i did not agree too. I've asked them all to take me out of their data base as well as opted out of prescreening all together to prevent this from happening again. 

Some of the creditors agreed to remove the inquiries, XXXX XXXXXXXX XXXX ( letter of removal attached ) i sent this letter to Equifax and this account has yet to be removed. XXXX investigated and removed the inquiry. XXXX XXXX, provided me a confirmation number of XXXX XX/XX/XXXX and this account is still present. 

XXXX XXXX pulled my report 3 times unauthorized. They sent me a letter with a name that is not even mine, XXXX XXXX. My name is XXXX XXXX. stating they received a application via internet website. I have no idea what this company is. I never applied for their services, where is the application? they can not provide it! 

XXXX, I never applied for a credit card with their company. Yes i have a free XXXX XXXX account as do most people in the country, but I never applied for credit with them. They too unable to provide proof of application. 

I sent all this information to Equafix and they are doing nothing about it, these accounts are still present on my report. 

I attached all of my communication with Equifax and the Creditors for your review. 

Please also note that i was a victim of the most recent Equifax Security Breech as well.
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Golden State Collections LLC (CA)

I contacted Golden State Collections LLC after I discovered a debt on my credit from them. I have sent them XXXX certified letters thus far and I have not received a response and the account is still on my credit. It has been 3 months since I have wrote to them, the last letter was sent on XXXX XXXX.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (FL)

Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

I was denied Insurance XXXX XXXX XXXX. They stated LexisNexis gave them a Report on me, and based on the Report from LexisNexis we deny you the XXXX. They further stated, " we paid LexisNexis {$190.00} for the Credit Report on you ''.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (GA)

In accordance with the Fair Crediting Act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604 a. Section 2 it also states that consumer reporting agency can not furnish an account with my written instructions. Under 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX Account # shows XX/XX/2019 and XX/XX/2019 as 30-day late payments. This should be changed to paid on time. 

I attached a letter from XXXX XXXX stating that I have no late payments with the company.
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (IL)

I have contacted Experian and let them know that I have several accounts reporting on my credit that are not mine. The fraudulent accounts are listed as US Depart. of Education/XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. After informing them of this problem there was nothing done to fix the problem.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Assured Financial Partners (FL)

First equity collocation for a amount i paid today XX/XX/2019 the lady name was XXXX at XXXX XXXX XXXX XXXX extension XXXX she said I owed XXXX XXXX XXXX XXXX she threatened to put me in XXXX and said if i did not pay i would have to pay lawyer fees of XXXX so I paid it and she said she would email me a receipt never got it
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I was shopping around for a used car yesterday, XX/XX/18, and visited XXXX XXXX XXXX. Upon interest in a vehicle, when we sat down to talk numbers, the finance person told me he had to run my credit, despite me bringing my own approved financing from my credit union. I asked if it would be a hard or soft inquiry, and he said soft. 
Upon visiting another dealership, immediately after, I was informed that this was, in fact, a hard inquiry, because dealers ONLY do hard inquiries, and that the score reported to me by the other dealer ( XXXX ) was reported under a XXXX XXXX, which is only used for mortgages or loans over {$1.00} million. The credit check was run under " XXXX XXXX ''. 
The 2nd dealer informed me that when my score was run properly under XXXX, that it came back as XXXX. 
I did not authorize the first dealer to run my credit as a hard inquiry, and they also did it under the wrong code, which made it inaccurate, which is useless to everybody, and therefore want this hard inquiry removed from my record. 

Thank you.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

Automobile Acceptance Corporation placed my car out for repossession for insurance, not payments. They will not work with me in any way shape or form. They 've issued me a refund during these negotiations and continue to contact my place of employment even though I 've asked them not to do so in writing and verbally. The third party arbitrator has never returned my calls and not they are threatening to file a concealment warrant against me.
Consumer complaint received 2019-06-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit, Inc (SC)

I asked for an online payoff quote which was a certain amount. Then when I sold the vehicle to a dealer, the payoff went up by {$700.00}. When I inquired as to the disparity, Audi Financial told me there is a different payoff for a dealer ( based on fair market value ) than the payoff would be if I personally paid off the vehicle. I contracted for a certain amount of miles in my lease, and I paid that amount. It should be irrelevant how they are paid off. To resolve this, I had to payoff the lease, wait a for a title, and then sell the vehicle to a dealer. Audi is  participating in an unfair business practice and should be fined for this behavior. It's clearly corporate overreach.
Consumer complaint received 2021-04-18
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. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly, you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request several credit inquiries that were unauthorized to be removed from my credit report. On XX/XX/2023, I received a copy of my credit report and became aware of four inquiries that I did not authorize. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed.
Consumer complaint received 2023-03-18
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX