davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (TX)

The basis for my dispute Sentry Credit , Inc., SENTRY CREDIT INC, XXXX, {$3700.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

SENTRY CREDIT INCfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section XXXX03 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, SENTRY CREDIT INC '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Sentry Credit , Inc. failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

I attached a copy of the law and the actual document from the federal reserve SENTRY CREDIT INCis held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. )
Consumer complaint received 2019-10-05
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 submitted a dispute for an account listed on my credit that is being reported inaccurately. XXXX came back reporting that the dispute was closed and the account verified. XXXX is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as XXXX is a debt collector. I dispute the date the account was sold to XXXX. I am requesting proof that XXXX purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with XXXX. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that XXXX is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for each FDCPA violation.
Consumer complaint received 2019-10-05
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: Bread Financial Holdings, Inc. (TX)

My social security card was stolen along with other items and was use to try to get a XXXX XXXX credit card, XXXX XXXX credit card, & XXXX XXXX   credit card. I called numerous to resolve the issue with Comenity Bank but no resolution. I also called the credit bureaus. The inquiry remark from XX/XX/XXXX & XXXX is damaging to my credit.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NM)

1. At the beginning of XX/XX/2019 American Express cancelled both of my accounts I had with them while I was having medical issues after being less than 45 days late. At the time I was notified I called immediately and was told that the accounts had been closed 3 days prior to me having received notice in the mail. I believe american express timed the delivery of my notification in an effort to subvert my ability to make a timely payment so that they prematurely close my account. 

2. After seeing that the account was closed I began making regular payments to buy time until I could pay off the balance in full. On XX/XX/2019 I paid off both of my accounts in full through their online portal and showed a XXXX balance on both of them. today XX/XX/2019 I began receiving collections calls at XXXX XXXX and as of the time of this complaint I have received 4 calls informing me that I have a balance on my american express accounts in the amounts of approximately {$13.00} and {$37.00} respectively. After learning this I immediately call american express to find out how I had a balance in collections for two accounts that had been paid in full only 11 days ago. I was told that the balance was interest that had accused after my final payment. I then asked how I was supposed to know that they had added interest to an account that from my perspective had been closed and paid in full if they had not given me notice. I was told that they had mailed me 4 separate pieces of mail attempting to collect the debt. I find this very hard to believe given the very short time frame from when I paid in full to when I began receiving collections calls. 11 days seems to be a very unreasonable amount of time for someone to be sent to collections. I was made to feel as though I was attempting to not pay off the account. On XXXX XXXX I paid off nearly {$4000.00} between the two accounts and I would submit that given the amounts and my attempt to fix the damage that this has done to my credit it does not make sense that I would have avoided only {$50.00} of Nearly {$4000.00} debt. I find these practices despicable and I believe they are motivated by discrimination based on the fact that one of my accounts is an american express optima account. The Optima account was an account that american express was forced to create and offer to consumer who where included in a legal settlement that was reached following a suit filed for similar unfair practices by american express. It is my belief that american express wanted nothing more that any excuse to be able to cancel the accounts of Optima card holders and found my short lapse during my illness to take advantage of the situation.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (OH)

Cavalry Portfolio Services has been reporting a collection debt to both XXXX   and XXXX since XX/XX/XXXX. This is supposedly for a XXXX XXXX credit card account that was included in a bankruptcy I filed back in XXXX making the debt no longer owed. I contacted Calvary Portfolio Services on XX/XX/XXXX and was told they could not release any information to me about the account. I called again on XX/XX/XXXX and was told the same thing. They are violating my rights under the FCRA and refusing to supply me with any information validating their claim or proving this debt is valid. Their reporting is harming me financially and after repeated attempts to resolve with them I have gotten no where. I have new current credit lines with XXXX XXXX and this makes no sense at all.
Consumer complaint received 2018-06-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (CA)

I have received ten phone calls today from XXXX at my home, place of employment, and my parents residence. An automated voicemail from XXXX XXXX has been left multiple times instructing me to call XXXX. When I call back I reach the voice mail of XXXX XXXX but their system will not allow me to leave a message. These phone calls are harassment of both myself and my parents.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC (CA)

I am a XXXX veteran who was trying to obtain a VA loan and was mislead etc so i cancelled and am still awaiting my FULL {$500.00} refund they told me " Oh not sure what to do '' i asked for management all are out of the office???
Consumer complaint received 2023-03-22
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report, which contains negative items that are affecting my credit score. Specifically, I would like to dispute the following items : XXXX XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX XXXX, which I do not recall authorizing. As I am unsure of the legitimacy of this inquiry, I request that it be immediately removed from my credit report. 

XXXX Inquiry : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX, which I do not remember authorizing. I suspect that this inquiry might be fraudulent, and therefore request that it be removed from my credit report immediately. 

Incorrect Personal Information : I have noticed that my credit report contains an error in my personal information. Specifically, my account number and previous address have been listed incorrectly as XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX. I request that this information be corrected as soon as possible. 

I would greatly appreciate your assistance in resolving these issues and improving my credit score. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (AL)

Fox Collection Center is attempting to collect a debt in the amount of {$110.00} from me for a radiologic ( medical ) service I did not receive in 2015. I have disputed this collection with all 3 credit bureaus resulting in both XXXX and XXXX deleting the collection. XXXX refuses to delete or help me in validating this debt.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I called Equifax and they refuse to erase unauthorized inquiries on my account. The representative refused to help me with this issue. The inquiries that were not authorized were XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX/XXXX inquiry date is XX/XX/XXXX XXXX  XXXX/XXXX  XXXX inquiry date is XX/XX/XXXX XXXX  XXXX   inquiry date is XX/XX/XXXX XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX date is XX/XX/XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

On XX/XX/2024 My vehicle was repossessed. After some time I was allowed to retrieve it after paying necessary payments and fees in late XXXX. Since, the account has been shown as closed on my credit report with XXXX, XXXX and XXXX. When it is open and up to date.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Application was denied again. Company pulled my credit report and was denied due to the information is not matching on my credit report and my credit report is update and never lived another address or lied on my application and I think there a glitch with my application and I wanted to be review by a human rep and have them send me a verification code or something to approve me for this application. It was pulled on my XXXX credit report today XX/XX/year>XXXX XXXX
Consumer complaint received 2023-03-22
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NJ)

On XX/XX/19 I received a credit alert stating that Diversified Consultants have placed an account for collection on my credit report. According to Diversified Consultants, the assignment date was XX/XX/19 however I have not received any communication/dunning notices in regards to this debt in order to verify the debt is accurate and mine. This account has been paid to the original creditor of XXXX and therefore Diversified Consultants have no authority to collect on this debt. After speaking with agent at Diversified ( who was very rude ) and letting her know that the account was paid she stated Diversified will not remove collection and only update it as paidwhich would be false since I have not paid one cent to Diversified so it would be false and inaccurate reporting on my credit file. XXXX has stated that Diversified has to remove the collection account since they terminated their collection authority.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (NC)

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (FL)

This company called me three times successively in less than 5 minutes, from XXXX, they hung up on me the first two times. 
Company identified themselves as Phoenix Financial Services and said I owed money that I do not believe I do. I told the person on the phone that the only medical debt I can think fo had been handled by my attorney XXXX XXXX. He told me that he is not responsible to contact my attorney and that it's my credit that is being damaged. I asked if he was threatening to damage my credit? He said it's not a threat if does harm my crdsit. He told me if I ever want to fix my credit I have to call him. I told him not to call my cell phone any more and he said it's my fault because I gave it out to someone.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2024-03-28
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: HUNTINGTON NATIONAL BANK, THE (SD)

The loan was paid off on XX/XX/XXXX According to the South Dakota DMV " It is the responsibility of the lienholder to have the lien against the record holder released by the county treasurer within 20 days after final payment. '' Huntington Bank disputes this requirement. They still have not sent me a copy of the lien release or proof that they sent the lien release directly to South Dakota. 
This vehicle was sold on XX/XX/XXXX. I am still waiting on Huntington Bank to release the lien so I can provide the title to the new owner
Consumer complaint received 2023-03-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-05-24
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: Experian Information Solutions Inc. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

Experian claims that they have " verified '' the inaccurate account on my file when I have sent sufficient written proof that the item is no longer valid that was sent to me DIRECTLY from the debtor. They have refused to remove it and continue to say that it has been verified as accurate. They are willfully violating the FCRA and should be fined accordingly. 

I recommend the HIGHEST MAXIMUM FINE for this violating FCRA SECTION 616 & SECTION 617 to  Experian, and that the the unverified items be deleted immediately!
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

SOMEONE ORDERED A NEW TD BANK CREDIT CARD AND TRIED TO SEND It TO ANY OTHER ADDRESS THAT WAS NOT MINE. ONCE THE CARD WAS CANCELLED I WASNT ABLE TO SEE It ON MY ONLINE PROFILE ANYMORE TO MAKE SIMPLE TRANSFER PAYMENTS AND I WSNT NOTIFIED. I HAVE HAD THE CARD OPEN SINCE XX/XX/2016 AND NEVER MISSED A PAYMENT. I HAD TO GO INTO THE TD BANK BRANCH TO VERIFY MY ID AND THEY ORDERED ANOTHER REPLACEMENT CARD AND CHANGED/VERIFIED MY INFORMATION. I DIDNT HAVE A CARD AND WASNT ABLE TO USE FOR 2 MONTHS. I PULLED MY CREDIT TODAY AND ITS SHOWING UP AS A LATE PAYMENT BUT I HAD ALREADY MADE A PAYMENT AT THE BRANCH OFFICE AND THEY TOLD ME It WOULDNT SHOW UP AS LATE BECAUSE THEY DIDNT HAVE THE RIGHT ADDRESS ON FILE TO SEND THE BILLING AND THE OTHER CARD WAS ISSUED OUT OF FRAUD. ALSO BECAUSE OF ALL THE WRONG INFORMATION AND CONFUSION.
Consumer complaint received 2019-05-24
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. (CA)

I filed an identity theft police report. 

I sent this information to both XXXX, XXXX, and Transunion. Transunion informed me, on XX/XX/2019, that my police report did not meet their internal guidelines for a blocking request. 

This is completely unacceptable. 

Not only did XXXX and XXXX submit a blocking request to Transunion directly, but Transunion willfully ignored provisions of 605 ( B ).
Consumer complaint received 2019-05-24
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: ID Analytics, Inc. (NE)

I just received a notice in the mail today ( XX/XX/XXXX ), about being denied credit for a car loan. On the back it states which companies they pulled my credit from one is XXXX and one is SageStream LLC. I have never heard of sagestream and their score is way low. There are only 3 credit bureaus and they are not one of them so why are they giving out information about credit?
Consumer complaint received 2023-03-22
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. (TX)

n 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. 

XXXXXXXX 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 XXXXXXXX has 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