davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (VA)

In XX/XX/XXXX I certified mailed a dispute letter to Ford Motor Credit /XXXX  to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of a electronic contract with e signatures, and bill statements saying they verified the debt. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and BBB hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

1. The forced answers to the questions on the form did not cover my problem, so I had to answer incorrectly. 

2. The problem is with the Annual Free Credit Report, from Experian. 

I just ( XX/XX/2018 ) got my Annual Report from Experian. 

A. The report on the screen was very dim, and very difficult to read for an old person like me. In other words, it did not conform to the contrast requirements of the W3C Web Content Accessibility Guidelines. 

B. I tried to print the report. In addition to a very large number of pages, the printing was also very dim and hard to read. 

C. Even when I printed it in Landscape format, some of the information on the right side of the page was cut off. That is, I could not get a printed copy of ALL of the information on my report. 

D. The large amount of unnecessary whitespace on the report seems to be deliberately designed to discourage printing. 

Also, in the Experian " validation '' process, there is a requirement to answer questions in a VERY short period of time. Three questions in one minute. One was about the first 4 characters of my drivers license number, and my billfold with my license was in another room, taking quite some time to get. Another question was my mortgage payment amount - and most people do not have that exactly memorized, so have to go look it up. I believe this short time limit is designed to discourage people.
Consumer complaint received 2018-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (MN)

I have a variable rate loan with Discover, no where on their website in the loan information or monthly statements does it say my loan has a variable rate. I had to contact customer service to find out for sure. I mentioned this concern to the representative, they assured me they were compliant and not withholding any information as this was provided to me in my Final Disclosure Agreement WHEN THE LOAN CLOSED IN 2012 ( 5+ years ago, so I guess I should just remember it??? ). They also said this document should be available to view on their website, but conveniently enough, only my fixed rate disclosure is there and they need to mail me the variable rate one. The rep did say they would report the issue, but I've worked in XXXX and XXXX XXXX roles and know that does not always happen. So I've taken the initiative and am reaching out to you. I have a XXXX XXXX, I'm a XXXX/XXXX  XXXX  and have been in the XXXX XXXX   XXXX  for 5 years now and work with far more complex loans  than this on a daily basis. If I'm having troubles finding this information, I can only imagine the issues others are having! 

-XXXX
Consumer complaint received 2018-12-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Laurens Financial Services Inc (SC)

On XX/XX/2018 at XXXX XXXX I spoke with a young lady by the name of XXXX. I informed XXXX of my financial hardship which pertained to my XXXX-year-old daughter 's health. XXXX explained that I would need to speak with XXXX their office manager. Upon speaking with XXXX she stated that her company required her to notify me that my vehicle was up for repossession, how I asked my payment isn't even 30days late. Nor had I received a RTC which is required in the state of South Carolina. XXXX didn't ask me what was causing my delinquency or hardship she just wanted to discuss the money. Keep in mind at this point my account was not even 30 days behind. I was approximately 21 days past due and was calling to make the payment arrangement for the next day. After speaking with XXXX I was put back on the phone with XXXX to make the arrangement. At this point I requested that XXXX place a note on my account the XXXX was not to communicate with me again. Anyone else who needed to communicate with me could call but XXXX due to her unprofessional demeanor was not to call me. I continued to make payments to the company and have not been 30 days late. On XX/XX/2018 at XXXX XXXX. I received a text message from a number that I didn't recognize. It stated " Please call XXXX to avoid legal action. I recognized the number in the message as Laurens Financial, however, the number it was sent from was XXXX. I blocked my number and called the number from the text and found that it was an employee 's ( XXXX ) personal cell phone. Due to the stress of dealing with my daughter 's illness and constant doctors appointments, I do not need to be threatened or harassed in a demeaning manner. It is difficult enough for me to make these payments without feeling like I am or being treated like I am XXXX  or trash. These practices are inexcusable and should be taken seriously. This company is using threat tactics and personal cell phones to communicate with customers. I have found under the CFPB and also the South Carolina Department of Insurance and Consumer Finance that these practices are illegal and a violation of my consumer rights. Please help me avoid these unfair practices. I have the text message saved in my cell phone and also the digital memo of the date requested for no contact from XXXX.
Consumer complaint received 2022-06-10
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. (TX)

I sent a letter to the 3 Credit Bureaus XX/XX/2022 to repair these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT 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 2018-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IA)

XX/XX/XXXX account switched to my daughter 's name at the XXXX XXXX store in XXXX, Iowa. Three lines disconnected per my choice. Four lines transferred to my daughter 's new account. Spent 2.5 hours in the store to close old account, verify no late or change over or reconnect fees with XXXX XXXX Customer Service. 
Verified a credit would be issued to by account for end of service in the beginning of XX/XX/XXXX. Credit issued on XX/XX/XXXX bill but also reconnection fees for 7 lines, 3 of which were never reconnected, 4 of which were placed on another account. 
Account was paid XXXX $ XX/XX/XXXX leaving a balance of XXXX . {$99.00} was paid XX/XX/XXXX. Service was cancelled per customer choice on XX/XX/XXXX. Service period was XX/XX/XXXX - XX/XX/XXXX. 
Normal monthly fee is XXXX $ for 7 lines, XXXX $ for new phone payment and insurance. Credits for health care worker brought monthly bill to XXXX. {$99.00} was paid on XXXX. The company is charging XXXX $ for 7 days of service. Absurd. If you take XXXX $ and divide it by 30 days you XXXX $ per day is XXXX plus the XXXX for the insurance and monthly phone payment you get XXXX . XX/XX/XXXX balance due which was XXXX . {$69.00} + XXXX + XXXX = XXXX - {$99.00} = {$61.00} due to XXXX XXXX. Not {$320.00}. Waited for corrected bill to arrive. Called to correct bill. XXXX XXXX  sent to collections. 6 or 7 phone calls later, each at least 45 minutes long, issue still remains unresolved. Convergent stated XXXX XXXX had to fix bill. XXXX XXXX said Convergent has to fix bill.
Consumer complaint received 2020-12-14
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)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove it once its confirmed that it is not mine.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

All my American Express Membership Rewards points ( XXXX ) were frozen, I can not use or transfer any of them.

It is tough to imagine paying $ XXXX+XXXX   annually to keep cards with frozen points particularly after a freeze prevents me from getting an award ticket.
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (OH)

XXXX XXXX alerted me to a negative remark on my credit. I called the Doctors office. I was told they sent for statements. The office confirmed my mailing address and the address was wrong. They employed XXXX XXXX XXXX in XXXX Ohio to collect. I never got an invoice or a phone call. My XXXXredit score has been harmed 73Points, not I am unable to finance a new car. My credit score was XXXX. My credit was destroyed with no written notice, no phone call. When I spoke with the office at the doctor they said they were submitting the bill to my insurance again yet my credit was ruined by the Dr office and XXXX XXXX XXXX of XXXX Ohio. Had it not been for a notice from XXXX XXXX I would not have known about this.
Consumer complaint received 2022-06-13
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND CAME ACROSS SOME ACCOUNTS ON MY CREDIT FILE THAT DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND NONE OF THEM ARE RELATED TO ANY TRANSACTIONS THE I HAVE MADE. THIS HAS CAUSED A HUGE CHALLENGE ON MY CREDIT FILE. IT IS VERY STRESSFUL BECAUSE I HAVE NO IDEA HOW THE ACCOUNTS GOT ON MY CREDIT. I AM ASKING THAT SOMETHING BE DONE TO RESOLVE THIS ISSUE. PLEASE LOOK INTO THIS MATTER AS SOON AS POSSIBLE SO THAT MY CREDIT FILE CAN GO BACK TO ITS NORMAL STATE.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, I opened a Citi checking account with {$15000.00}, within that time, the bank sent me a promotional offer with a higher yield than my bank was offered ; I then opened a savings account for {$21000.00} which I funded as a transfer from my bank to Citibank. In XXXX, I transferred another {$5000.00} to the savings account using a transfer again and another {$15000.00} to my checking account. When I couldnt access my accounts, I contacted the bank in XXXX and XX/XX/XXXX, each time I was given the runaround and was transferred to the fraud department which informed me that the bank had closed my accounts and that I will get a refund through the mail in about 30 days. When I asked why my account was closed and why there was no correspondence from the bank, the representative told me he did not know why and hung up on me. 
Not only did Citibank held my money without explanation, the removed all access online and though their app. I am left without my funds and with no information regarding my accounts. 
On XX/XX/XXXX, I received a check from Citibank on this amount of {$1400.00} with an explanation that read, this is the remaining amount of your account XXXX in reference to my savings account which the balance exceeded over {$60000.00}. I have never removed a cent from both accounts since I opened them. I will call the local news channels in my area to help me if I do not hear from Citibank by XX/XX/XXXX because I am out of money and dont know what else to do.
Consumer complaint received 2021-11-19
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. (TX)

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX  however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Consumer complaint received 2023-04-10
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-10
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX  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 an account without my written instructions.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries.


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CARD Corporation (IL)

On XXXX XXXX my card.com premium bank account card was charged {$38.00} I had already canceled my XXXXXXXX XXXX policy and called them XXXX XXXX issues the payment back to my card but card.com premium bank account card stopped the payment and told me I have to file a dispute for what reason I really dont know I gave them the Transaction # but they refused to look it up saying I just need to file a complaint and wait the XXXX days I already been waiting since XXXX its XXXX so they telling me to wait until XXXX for them to try to issue a refund of my own money I have been calling and they telling me hold on and has hung up on me over 30 times I just want my money back from this card company!
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Blackhawk Network Holdings Inc. (NJ)

I purchased a {$200.00} " XXXX '' card ( XXXX XXXX XXXX XXXX intended to re-up a XXXX card at my local XXXX.

There was a computer error when I ( or anyone ) tries to create a safe and transfer the money to your desired card on the " XXXX  '' site.

Some internet research showed this was no error. This was a way to steal, or hold for the longest period of time possible.

Please help. I need my {$200.00}, not after waiting a month for a check.

Why is XXXX   allowed to sell these cards when they are all fraudulent?

Thank you in advance for any assistance.

/XXXX/
Consumer complaint received 2022-07-21
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. (DE)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$420.00} XXXX, XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} ) XXXX XXXX XXXX  ( Account # : XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$560.00} ), XXXX XXXX XXXX ( Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9000.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.