davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (PA)

I borrowed money on a payday loan in amount of {$450.00} they said rates would be about 14 % I am now being charged 699 % and they ACH money from my account I tried to talk to person on phone and could not get a human. I called Pa Dept of banking and they could not help and they suggested I contact you I have already paid principle and probably 50 % in interest. Pennsylvania also said the XXXX interest rate 6 % in PA They claim the are an XXXX XXXX so are exempt from Federal Guidelines? ( posted on there website )
Consumer complaint received 2018-08-29
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. (TX)

I recently pulled a copy of my credit report on-line and found that all 3 credit bureaus are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : XXXX XXXX Account Rating : Charge-Off Balance - {$16000.00} Reason : This account was fraudulently charged {$16000.00}. Please send me all copies of the charges account statements and investigation process including contacts and phone numbers. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I have contacted XXXX XXXX numerous times and never received documentation that these charges were mine. 

I have requested since XX/XX/2017 documentation. Called wrote letters numerous times. I received nothing. While speaking to XXXX XXXX they had a fraudulent home and work address for me. I had to contact them because ; they didnt have my correct phone number. 
Please delete this account immediately. The statue of limitation has been exceeded on asking for documentation from XXXX XXXX and your credit bureau. I have been requesting documentation since XX/XX/2017. 
This account has been sold to over 4 collection agencies and no one has any knowledge of the account activity. The partial account number is inaccurate and is unable to pull anything up. 
Its labeled XXXX XXXX on my credit reports. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2019-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

XX/XX/XXXX : Mailed XXXX XXXX County Property Tax Statement which indicates taxes due XX/XX/XXXX is {$3800.00}, to Amerihome. Received Annual Escrow Statement dated XX/XX/XXXX, which indicates Property Taxes are {$6800.00}, and that my monthly payments would increase from {$1200.00} to {$1600.00} beginning in XX/XX/XXXX. Called Amerihome in XXXX, and was told that yes, the actual Tax Statement had been received, that my Escrow Account would be updated to reflect the amount on the County Tax Statement, and that they were initiating an Over-payment refund request with XXXX County. Also, that once updated, my monthly payment would be within a few dollars of what it had been, {$1200.00}. Received Statement dated XX/XX/XXXX, which indicated that XXXX 's payment would be {$1600.00}, instead of what it had been previously. Called Amerihome, and spoke  to XXXX, and eventually XXXX, allegedly a Supervisor in the Tax Dept. During this call, it was confirmed that Amerihome had received the Tax Over-payment Refund, and that I should only make a payment of {$1200.00} for XXXX, that my account would be updated and I would receive an updated Annual Escrow Statement. I made that payment on XX/XX/XXXX. Spoke to Amerihome today, XX/XX/XXXX, after the XXXX Statement I received still shows amount due of {$1600.00} for XXXX, and I still have not received a updated Escrow Account Statement, which I need for my XXXX Tax Return.
Consumer complaint received 2019-02-15
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. (GA)

I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. 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 2019-02-02
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. (AL)

( 1 ) On XX/XX/2018, a XXXX XXXX representative ran a credit application without my consent, which caused me to have an unauthorized inquiry on my credit report. I contacted XXXX XXXX, they did their internal investigation and confirmed that the application was unauthorized. They indicated that they would contact Equifax per their protocol to confirm and follow up with a written statement stating that it was a fraudulent issues. ( copy attached ). 

( 2 ) On XX/XX/2018, someone opened a XXXX cellphone account in my name. the phone was sent to me. I contact XXXX and informed them of the issues and indicated that I did not attempt to open a new account with XXXX. The cellphone was returned as instructed and after they completed their investigation they too confirmed that the account was a fraudulent account. They indicated that they would contact Equifax per their protocol to confirm and follow up with a written statement stating that it was a fraudulent issues. ( copy attached ). 


I have filed disputed with Equifax at least XXXX times regarding these issues and attached copies of the documents that were forwarded to me from the above companies to use as proof, but Equifax refuses to remove the inquiries from my credit file.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (UT)

This account was set up for a business in which I was the XXXX of back in XX/XX/XXXX. We set up tp sell XXXX XXXX security. The account was for the business, not for a personal use, and I was never making any payments regarding this account. The only way that I know it having any of my information was saying I was the person to contact if there was a breach at our business, ( as this was a security system ) It  was all taken care of within the business. The following year, XX/XX/XXXX I quit my management position at this job, and parted ways with the business. Later that year, I had received calls regarding this account, and I advised the collectors that this account was not mine, and I was not in charge of payments or anything regarding the account. They continued to harass me throughout the rest of XX/XX/XXXX into XX/XX/XXXX when the debt was purchased by Perfection Collections. I advised to them when they had called to me that I again, was not the person to call regarding this account, and that I would get them the information regarding the business owners, and their responsibility to the payments within the account. They told me that I was not telling the truth, and I told them to please stop contacting me. I called my local police department on some assistance, they advised me that I shouldn't worry about it, since it wasn't my account. I waited and now I am trying to purchase a home, and my credit as been hit because of this issue. I submitted a dispute with XX/XX/XXXX twice now, and they are not changing this, and when I call the collections agency, they tell me that they will not accept this and I need to pay on the account. I feel cornered and that no one will help me.
Consumer complaint received 2022-08-19
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Today ( XX/XX/19 ) I was buying a XXXX XXXX ticket online and there was a solicitation for a Gold Skymiles American Express card advertising a future {$200.00} credit for any XXXX purchase. I applied for the card and was approved and I received a prompt asking if I wanted the card number immediately and I answered yes, but then did not receive the number ( which I needed to buy the XXXX ticket ). I then called customer service to try to get a temporary or permanent number and I was passed around to multulple departments and no one could help me. I finally told the representative that I wanted to cancel the card and then I was advised that I would not be eligible for any promotional offers on the card in the future. Unscrupolous/dishonest credit card offer with terrible customer service. American Express has lost me as a customer for life.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (CA)

XXXX XXXX  stated that Giftcards.com DBA Blackhawk Network cancelled the order twice, while the phone prompt system incorrectly stated that the orders was processed. Initial order was duplicated after transaction was unsuccessful. Information was hidden from account. Transaction history for past orders was removed from display. Same issue occurred previously two to three years ago, while other orders were successful.
Consumer complaint received 2019-02-15
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. (MD)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2019-02-15
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. (GA)

XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX has not been able to present any documentation from XXXX XXXX XXXX  stating that I still owe a debt to XXXX  XXXX XXXX.
Consumer complaint received 2019-02-15
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX  has not been able to present any documentation from XXXX XXXX XXXX stating that I still owe a debt to XXXX XXXX XXXX.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.
Consumer complaint received 2023-03-03
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. (MD)

I sent letters to each credit reporting agency about inquiries that I did not personally authorize and/or give them consent to publish and therefore negatively affect my credit report. Per 15 USC 1681b this a fraudulent of each credit report agency. 

My letters demanded they verify the information and to produce the contract which clearly states that I gave them the information. They have not provided me any contracts or paperwork that bears my signature proving that I gave them permission. 

These letters were sent XX/XX/XXXX for which I have certified mail receipts. I t has been more than 30 days and my credit report is still fraudulently publishing information without my consent/permission by proof of signature.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (AL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credence Resource Management, LLC (PA)

I am filing this complaint in reference to XXXX XXXX XXXX XXXX. I signed a month to month contract with XXXX XXXX XXXX on XX/XX/2021. I called XXXX XXXX  XXXX customer service department in XXXX of 2021 to cancel my services because I am out of work and I have no income coming in. I could not afford the payments anymore. I had spoken to numerous customer service representatives in the customer service department. My request was ignored and XXXX XXXX XXXX continued to bill me. XXXX XXXX  XXXX customer service kept pushing more services on me, when I told them my situation and I do not know what they did not understand. When XXXX XXXX XXXX shut me off, I do not recall the date ; they did not completely shut me off and continued to bill me. I have a bill of {$670.00}. This is unacceptable when I requested for my account to be closed. This is poor business practices and customer service. 
Now, XXXX XXXX XXXX sent my information to a collection agency by the name of Credence Resource Management LLC. They harass me with phone calls and letters. XXXX XXXX XXXX is trying to ruin my credit and they better remove it from my credit report. I really hope someone can intervene and help me out with this situation.
Consumer complaint received 2018-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Equity Auto Finance, Inc. (NY)

In XX/XX/XXXX, I surrendered my vehicle to Equity Auto and I still have not heard or received anything in the mail from. In XX/XX/XXXX i reached out via email and was told that they still have not sold the car and that when they do, i should receive something in the mail. As of now I still have nothing in writing or email to say what is going on with my account. My account rep. XXXX was the person who I first emailed about this situation.
Consumer complaint received 2023-02-15
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I applied for Care Credit in XX/XX/XXXX to use for a medical procedure. I was approved and given the payment amount and timespan by my medical provider. I was billed for my first month of payments due in XX/XX/XXXX through Synchrony Bank. I linked my bank account to the credit account for my payment to be automatically taken out and I was told it was a valid account to use to make my payment. A payment was taken out of my bank account on XX/XX/XXXX, but according to the history on my Care Credit account, it was immediately returned. I did not receive any email notification but instead a letter that was received 11 days later on XX/XX/XXXX. I called Care Credit to fix the issue and asked for the late payment be returned since I did have sufficient funds in my account and Synchrony was the one who decided to return my payment. They reversed the late fee and I added my account once again to automatically pay my payment. Once again on my next scheduled day of payment, XX/XX/XXXX, the payment was taken, rejected, and returned. I called a second time on XX/XX/XXXX to make this payment. I was told the payment was accepted with me giving my bank account information to the customer service representative. According to my history on my Care Credit/Synchrony Bank account, it was rejected immediately and returned. I once again got another late fee on my account that was not due to my lack of ability to pay on time but Care Credit rejecting my payment. On XX/XX/XXXX, I called Synchrony 's customer service line again and asked to speak to a manager hoping to get this issue resolved once and for all. He was very unhelpful in stating that he couldn't help with billing issues and saying my bank account was rejected because of insufficient funds. This is untrue as I do have sufficient funds to pay my payments several times over.
Consumer complaint received 2018-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number : No Account Number listed. PLEASE REMOVE XXXX XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. Original XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union has unjustifiably and wrongfully denied access to my person account, along with a joint account, with whom I share with my grandmother, XXXX XXXX. After an attempt to transfer money off a credit card, Navy Federal flagged our accounts as fraud. They requested that I go to the bank to show ID, which I did, along with my grandmother, which she was unable to do, because there is no branch in the State of Indiana. For three days we have spent hours on the phone with Navy Federal, along with have faxed over numerous documents proving identity, along with a Power of Attorney, which they rejected and failed to state a reason. It is worth noting that though I have POA for XXXX, I was already from day one listed as authorized and joint on all accounts. They are now forcing a XXXX XXXX XXXX woman to drive three hours to the nearest branch to show an ID card. If you were to visit this company 's website, there is nothing posted that states members must reside in a state where a Navy Federal is located. We feel discriminated against and targeted. Furthermore, we have suffered financial hardship due to this unreasonable actions that Navy Federal has taken. Please assist, we have no access to any accounts and it is causes us unnecessary debt. To better assist you, I have multiple fax, POAs, Sworn Affadavits, along with past mail to prove our identity and the wrongful action taken my this institution. Two individuals in particular that offered no recourse where XXXX and XXXX in Security.