davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (TX)

Blakely and Witt Associates have reported inaccurate information to the credit bureau for the amount owed for a debt. They just provided hand written invoice with no receipts or proof of debt or the amount requested. The form had no account information shown. On the letter it shows they accelerated rent from XX/XX/XXXX- XX/XX/XXXX but the creditor then advised someone moved in under 2 months but actually the new tenant moved in less than 30 days of me moving out. I have not received a letter indicating my right to dispute the debt within 30 days of receiving a collection notice. They never tried contacting me prior to it being reported on my credit. Initially they reported on my credit report I owed XXXX which was also wrong and then adjusted to the XXXX. I only stayed at the apartment for just over a month. I had a security deposit of XXXX dollars. I owe XXXX  dollars. Outrageous fees have been added to the balance with no proof of the amount they are requesting. When I call them they don't answer. The representative XXXX is extremely rude and unprofessional.
Consumer complaint received 2021-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Net Pay Advance, Inc. (HI)

On XX/XX/XXXX, I was approved for a {$200.00} advance. On XX/XX/XXXX, I paid the original {$200.00} plus a {$35.00} fee for a total of {$230.00}. I applied for another loan and found to be qualified for their maximum amount of {$250.00}. Again, I successfully paid that loan along with their fee for a total of {$290.00} this past Friday, XX/XX/XXXX. 

I went back into my account and found that my account was locked. I called the company and was told that because I live in Hawaii, that they could not lend to me as they are not licensed in my state. I explained to them and they could see that I had successful borrowed 2x before, but come to find out that my information that was transferred to them by a 3rd party had my street address correct, but my incorrect zip code, which put in in CA. 

I explained to them that if it was a matter of having a CA address, that I could give them my office address in CA, but was told that I needed proof of residence. I forcefully told them that I didn't need that when they pursued me to use their services and that they knew good and well that I was in Hawaii because they commented on the weather and asked if it was sunny. I said that it was and demanded compensation for the fraudulent act on behalf of their company.
Consumer complaint received 2021-06-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Equifax took more than 30 days to investigation this report, in fact this account is still " under investigation '' 11 months later. Please update this information on my report. 

Documents are attatched.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (AL)

This company is clearly discriminated against me. 
On XX/XX/2022, I complained about an agent being rude and unprofessional. On XX/XX/2022, an agent contacted ma and left a message threatening to charge-off my account. 

XX/XX/2022, I spoke with the collection department supervisor about all the prior issues with agents not providing accurate information regarding payments I made on my account. Today I found out the decreased my credit limit from XXXX to XXXX I will be filing a discrimination lawsuit.
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent all the credit reporting agencies an official statement on XX/XX/2021 letting them know these accounts were fraudulent and inaccurate, and they were supposed to block or remove after 4 days of receiving. to this day XX/XX/2021, these inaccurate accounts are still reporting on my credit report. I feel as If my consumer rights are being violated, and I hope the CFPB can remedy this situation. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2018-05-25
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 — Investigation took more than 30 days
Company: United PanAm Financial Corp. (IA)

i was financed for a loan on a used vehicle that turned out to have the miles rolled back. XXXX XXXX with the DOT is working my case. The company I have the loan through wouldnt accept my first months payment, have no repossessed the car and are reporting my late payments to the credit bureau too. The are fully aware of the mileage being rolled back and that I have filed a complaint with the DOT. I should be exempt from responsbility of this loan because the car 's value isnt even worth the down payment of {$2000.00} that I lost and now my credit has gone down the XXXX because of their filing to the bureau. I have filed a complaint with the Iowa Attorney General too.
Consumer complaint received 2022-12-03
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 XXXX XXXX Account # XXXX ) and ( XXXX XXXX XXXX XXXX Account # XXXX ) have 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
Consumer complaint received 2018-01-11
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 — Investigation took more than 30 days
Company: AMCOL Systems, Inc. (TX)

Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} EXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
Consumer complaint received 2021-06-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CT)

My current mortgage lender XXXX XXXX XXXX ; I applied for a refinance with them on two different occasions over the past six months and they have denied both of my attempts. I am currently in a ARM with them and they have refused to grant me a refinance even though I have the same employer for the last 20 years, have a steady income of approximately XXXX $ a year and am current on my mortgage payments. I've provided all documents they asked for and my credit score is average @ XXXX. I believe that they are working against me to have me go into foreclosure and take my home which is worth XXXX $ according to XXXX XXXX I currently owe New XXXX XXXX XXXX $ They stand to make a profit on my home if I go into foreclosure being in an ARM. The current market value on homes in Connecticut is soring! I am definitely going to lose my home if they don't grant me a refinance soon. Please help me to investigate this matter. Thank you for your help. XXXX XXXX current owner.
Consumer complaint received 2018-07-03
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: BARCLAYS BANK DELAWARE (NY)

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to apply for an account with Barclay Bank ; while the application was stopped and no account was established the inquiry was left on the client XXXX credit report XX/XX/XXXX. A formal dispute was sent to Barclay Bank fraud department, however a letter dated XX/XX/XXXX is denying the dispute stating the application was valid even though the police report named Barclay Bank in the narrative. This issue is now a violation of my clients consumer rights and violation of FCRA.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX, 2015 I have had misunderstandings with Lowe 's /Synchrony Bank for the last 8 months. I have paid my account out in full but they have added interest to the account. XXXX gave me 6 months to payoff the account but the bank did not honor this. They begun to add interest from the beginning. I have paid my account in full but they have added the interest which almost doubles what I have paid them. I opened the acct. in XX/XX/XXXX, paid this one out and charged a microwave in XX/XX/XXXX and paid it out in XXXX 2015. Please help me with this account and retain my good credit. I am too old for problems now. 
Thank You.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (FL)

On XXXX, I sent a wire transfer in the amount of {$38000.00} to a beneficiary at East West Bank and we made an error on the account number. The bank where I sent it from, XXXX Bank in XXXX, Florida has sent over four recall requests through the wire system since XXXX and the funds have not been returned. My bank has also called many times and requests have not been answered. It is now XXXX and East West Bank have held my funds almost one entire month without returning them. The funds should have never been credited as the beneficiary and account number did not match. We request our funds be sent back immediately.
Consumer complaint received 2024-03-08
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. (FL)

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of this account. However, I find it perplexing that XXXX, Equifax, and XXXX present varying payment histories for the periods. By virtue of rule 1002, I assert my entitlement to access the information you are legally required to possess for reporting such information. In other words, for the provided information to be deemed " verified, '' the furnisher must possess sufficient evidence supporting its veracity, fulfilling the requirements stipulated under 15 USC 1666b. Furthermore, it should be noted that under 15 U.S.C .1681A, I, as a consumer, am entitled to privacy protection. Additionally, 15 U.S.C .1681B prohibits a consumer reporting agency from furnishing account information without my written instructions. Lastly, 15 U.S. Code 6802 establishes obligations with respect to the disclosure of personal information, including the requirement for clear and conspicuous explanations to consumers on exercising their right to prevent XXXX from disclosing personal information to third parties. Remove these accounts. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have reach out to the creditor and the credit bureaus advising them that the accounts are outdated and Paid in Full. The tradeline should be removed from my credit profile because it exceeds the statue of limitations on credit card and medical debt in the state.
Consumer complaint received 2018-05-24
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. (GA)

To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and XXXX, Experian, & XXXX. Please read the attached letter correctly.
Consumer complaint received 2021-06-14
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: Kikoff Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and un-affordable, The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Prime Credit Corporation (FL)

Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and un-affordable, The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (NJ)

I have been victimized by a rather elaborate scam where a woman posing as a representative of a shipping company has utilized holes in the Payment by Phone process used to pay credit card bills. The gaps in the process exist on both the side of the bank as well as on the side of the Credit Card Company. As a result of these deficiencies, this person has been able to steal a significant some of money from me and most likely has other victims in process and is looking for more. 

Further details are included in the attachments to this claim submission.
Consumer complaint received 2022-02-15
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. (CA)

I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-06
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: CITIZENS FINANCIAL GROUP, INC. (AL)

Someone other than myself has used my credit to open a line of credit with Citizens XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/2021. Spoke with the bank and they said it was opened to pay for a XXXX XXXX XXXX XXXX XXXX. This is not me. I have not applied for credit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is now XXXX XXXX, I appreciate your help in getting this off my credit report. They have been late on their payments and it has dropped my credit score a lot. 
thank you for your help
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX CARD XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accounts Interchange Group LLC (NH)

XXXX initially contacted me, a third party, for a debt. I asked for a written statement, which was provided, but without the necessary information. I then sent a debt dispute letter which should have ceased contact, however, it did not, and I've received repeated phone calls and voicemails from the company without the appropriate written response as required by law on behalf of the company. Additionally, they call repeatedly from several different numbers both based out of their state ( NY ) as well as local numbers to me in NH. At one point, they were calling 4 times in a row and leaving voicemails.
Consumer complaint received 2019-08-01
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. (TX)

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.