davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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)

I have recently been informed again that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$860.00}, {$1200.00}, {$250.00} & {$250.00}. I challenge the accuracy, compliance and reportability of these listing. 
There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorsfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2019-04-10
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: Jon Barry and Associates, Inc. (GA)

I have recently been informed again that there is negative information reported by XXXX  XXXX  XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$860.00}, {$1200.00}, {$250.00} & {$250.00}. I challenge the accuracy, compliance and reportability of these listing. 
There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorsfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (FL)

My XXXX XXXX XXXX was declared totaled by XXXX XXXX insurance on XX/XX/XXXX. 
It took Until the end of XX/XX/XXXX for flagship credit acceptance to post the third attempt from XXXX for the pay off check. XXXX had sent my refund for an extended warranty to Flagship for XXXX the middle of XXXX. There was no problem with Flagship receiving or posting that payment. Now that my loan is paid in full, I am unable to reach anyone to speak to at Flagship Credit Acceptance and they have {$2600.00} from XXXX to for my extended warranty and they have an overage from my payoff of {$460.00}. So over {$3000.00} they are holding. I can not reach anyone to learn when I will receive the refunds. I am unable to buy a car until I receive this money plus both payments should be sent yo regardless since it is my money. Previously when I have tried to email flagship, they do not read the email Flagship I get a return email a month later asking the questions that are clearly answered in the original email. Also, Flagship does not care about their customers. Once you have the loan paid off, you are unable to speak to anyone or get through the automated phone system. My account number has changed since the loan has been paid off. And now I have no way to get past the phone system period
Consumer complaint received 2019-04-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (SC)

Professinal Bureau of Collections started reporting a debt that I supposedly owe on XX/XX/2018 for the amount of {$12000.00}. This company never notified me that they were attempting to collect a debt, nor did they give me 30 days to dispute the validity of the debt.
Consumer complaint received 2019-04-10
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. (NY)

I just received the results of an investigation I had for my XXXX department store card.  XXXX I  feel did not do a proper investigation. This account was never paid late in 2017 yet it is showing as an adverse account on my credit report having this wrong information is affecting my credit score. I have been disputing this for months now I spoke with XXXX awhile ago and was assured it would be rectified with the credit reporting agencies.
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/year> I purchased a couch from the website rooms to go. I used the chat option on rooms to go, to inquire about the financing options they had, and the sales representative directed me to a company named Acima. 

I was approved a total of {$2300.00}. My couch cost {$1900.00} + {$160.00} delivery Acima has been billing me {$190.00} ( XXXX  installment ) and {$180.00} twice per month. 
My last payment was the following : Rent : {$140.00} LDW : {$14.00} ( they don't tell me what this is ) Acima benefit plus : {$7.00} ( they don't tell me what this is ) Taxes : {$11.00} ( they don't explain what tax is this ) My lease number is # XXXX Currently my balance is at {$1500.00} + tax ( what tax is this if they are already charging me tax on the installments? ) and i have made the following payments so far : XX/XX/XXXX : {$53.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$180.00} = {$970.00} It says on my leasing profile that I only paid {$800.00} ( the math is not mathing ) I have an early purchase option that ends in XX/XX/XXXX, if i dont pay the balance by then, they will charge me a total of {$5400.00}. I want to use the early purchase option and pay the full balance before XX/XX/XXXX, but i want them to explain what are those double taxes and the fees, so they can rectify the total ammount for me to pay the balance. 

Their phone number doesnt work. Every time the automated system takes me to the option to talk to someone, the call disconnects on their end. Every single time. Their chat option is uselss because theres usually a line of XXXX people in it, and if you leave the screen you're kicked out. The only time i was able to chat with someone, they were rude and disimissed me and told me to call their XXXX number. which the call disconnects everytime. They also don't discuss my account in writing, only via phone which I can never reach anyone and the only time i was able to speak with someone is when they called me.
Consumer complaint received 2019-04-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

My name is XXXX XXXX and my issue is with Santander Consumer USA in approving a loan I never applied for through XXXX  XXXX. It all started when XXXX XXXX ask me to stand guarantor for 4 months as instructed by XXXX XXXX to secure a vehicle he wanted to purchase. I don't have a drivers license, I don't have a stable job, I don't have a vehicle or any asset so how was I able to acquire this loan. It was all lies perpetrated by XXXX XXXX salesman and finance manager in order to get a check. I accompany XXXX XXXX on the XXXX XXXX to XXXX XXXX just to sign as Guarantor for 4 months and was told that my name will be nowhere on the title or registration, the place was very busy and I couldnt wait so XXXX the saleman brought me some documents which was highlighted to sign with no information on it, I signed along with XXXX XXXX the documents because XXXX seems very sincere and know what he was doing but now I know different, he was very deceptive. That was the end of my involvement in this transaction. To my surprise, XXXX XXXX called me frantic one day in XX/XX/XXXX to tell me that he hasn't received and documents from XXXX XXXX and when he called santander bank his name is nowhere in their system. we try calling XXXX the saleman and he never answer. So we called Santander Consumer USA and when put in my information at the prompt and the vehicle loan came up in my name. we spoke several time to different managers at Santander that this was a mistake and the vehicle does not belong to me and that I cant afford the loan but they said there is nothing we can do, we need to reach out to XXXX XXXX in which we did but they were rude and obnoxious and refuse to see us and settle the issue because they knew what they did and they already got paid. All I want is for my name to come off this transaction because that's not what I signed for. XXXX XXXX is the sole owner of this vehicle, he was the one that initiate this transaction, collect the vehicle, its in his possession and he has the resources to pay for the loan. I dont want this to affect my credit in anyway so please help me to resolve this matter as soon as possible. thank you
Consumer complaint received 2019-04-10
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. (TX)

This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

30 days ago I sent a dispute letter to ENHANCED RECOVERY COMPANY asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Consumer complaint received 2019-04-10
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)

This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active
Consumer complaint received 2019-04-10
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. (IL)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-10
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. (IL)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-06-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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 also states a consumer reporting agency can not furnish a account.
Consumer complaint received 2015-04-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (AL)

Two years ago I was going through very rough times following my XXXX. I informed Navy federal during a conference with a financial councillor that I was pending a VA XXXX claim. Magically without my signature or verbal go ahead they removed my XXXX insurance from my Credit Card. 

Secondly they have repeatedly called my father whenever my account is past due even though my father informed them to remove him off his list and stop calling him. Somehow they are still continuing to call him. 

I have many complaints regarding this credit union but have decided only to submit these XXXX.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Optima Recovery Services LLC. (TN)

Good Afternoon, I am writing because The only answer I can get from anybody is " that is not how this works '', and I don't feel like that is a sufficient answer. 

In 2014, I signed up for a membership at a local gym. XXXX XXXX XXXX in XXXX, TN. I did sign a contract and I did agree to pay a certain amount ( $ 50/month ) over a certain period of time ( 3 years? ). I thought it was {$1800.00}. I no longer have the contract. As thing happen, and the do happen, I lost my job about 5 months into the contract. I was paid current until that point. 

During my membership, I was given a key fob type of card that would activate the machines in the gym. If I was ever behind on a payment, the card would be deactivated. I could not use the equipment. Regardless of whatever contract I signed, it was pay as you go on a month to month basis. There was never any service provided that was not paid for. I could not use any service in the gym without paying for it first. 

There is a ding on my credit report for {$2100.00}. This is more than what my contract 's full term was for, and I paid for about 5 months already. I am curious how anyone could report me to a Credit Reporting Agency, who has not extended me a XXXX of credit. I get that XXXX XXXX feels I owe them that money because I signed a contract, and I am currently trying to work with the collection agency XXXX XXXX XXXX XXXX on a payoff. I think that reporting me to a Credit Agency is illegal since there was not a dime of credit extended to me. Not a dime. I am really feeling like this is a form of fraud and I have no idea where to turn to for help. XXXX XXXX is not registered with the XXXX, so it does no good to complain to them. This company has dinged my credit with the sole purpose of downgrading me in the eyes of someone who might actually give a me a real loan or real credit. I did not receive a loan or any credit from XXXX XXXX, so how are they able to grade me on loan and credit repayment? In order to report me to a credit agency, I would need to be defaulted on a loan or a line of credit. I am neither of those things with XXXX XXXX. I paid for every single time I used their facility and for some times that I did not. If we should get technical about it, I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid, but how am I getting dinged on my credit report when this has absolutely nothing to do with my credit?
Consumer complaint received 2020-02-06
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. (CT)

The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX   XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX   XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2019-04-10
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. (NC)

+IN SUMMARY BECASUE OF MY XXXX I WENT INTO A LONG TERM REPAYMENT TO THEM OF {$42.00} A MONTH OFR 5 YEARS WITHOUT USE OF THE CARD AND MY DEBT WOULD BE CLEARED. AFTER ABOUT 10 MONTHS OF MAKING ON TIME PAYMENT TO THEM XXXXXXXX XXXX SOLD MY ACCOUNT TO XXXX. FROM THEN XXXX SUBMITTED TO THE CREDIT BUREUA THAT MY ACCOUNT WAS CLOSED WHICH HURT MY SCORE AND THEN XXXX INITIALLY AGGREED TO THE TERMS FOR ABOUT 2 MONTHS EVEN SENT ME A BILL FOR {$42.00} WITH AN {$18.00} DOLLAR HANDLING FEE WHIHC WAS NEVER PART OF THE ORIGNAL DEAL WITH XXXX XXXX. I HAVE SPOKEN TO MANAGEMENT LEVEL PEOPLE AT XXXX WITH NO HELP. RECENTLY THEY HAVE REPORTED ME LATE ON THIS ACCOUNT TO ALL 3 BUREAU THAT NO PAYMENTS HAVE BEEN MADE FOR THE LAST 3 MONTH WHEN IN FACT THE CHECKS WHERE CASHED BY A SERVICE CALLED XXXX XXXX WHIHC I AHVE NEVER HEARD OF. I WNAT THEM TO BE HELD TO THE SAME AGREEMNT THAT I AGRRED TO AND HAVE BEEN MAKING PAYMENTS ACCORDINGLY. I HAVE ATTACHED PROOF OF THE PAYMENTS MADE.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (NC)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NM)

On XX/XX/2023 Citibank lowered the credit limit on 2 out of the 3 credit card accounts I carry with them ( to an amount under {$100.00} away from the balance I carry ), and when I called on XX/XX/2023, their customer service department refused to offer me a reason or explanation as to why. I am not a credit risk, have been a long-time account holder with the company, and feel like this is a scammy business practice they're running to push consumers over their newly decreased limits so they can collect over limit fees when interest or automatic payments post. Not to mention, this changed my revolving credit of under 30 % usage to 100 % usage instantly, which is not at all how I manage my credit. I have had no dramatic credit score change nor has my income changed. In the time I have been a Citibank consumer, my cards have been compromised more than once, and I was already skeptical about the security of my accounts with them before this occurred. 

I have arranged to move my balances from those two cards to another card I carry with a different company, and plan to cancel all cards with Citibank when the balance transfer is complete. 

I will not risk the health of my credit for a company that wants to participate in such shady practices.