davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midstate Collection Solutions, Inc. (IL)

Midstate Collection Agency is in violation of the Fair Debt Collection Practices Act, and I believe that my rights as a consumer are being violated. On XX/XX/2019, I sent a second request for validation to Midstate Collection Agency and I have not received any correspondence from the collection agency  in regards to my first or second request for validation. On XX/XX/2019, I spoke with a representative at Midstate Collection Agency, and I was advised that both the first and second debt validation requests were received, however, they could not provide me with any documentation to validate the collection account. Also, there is no contract on file with my signature as proof of validation. The Midstate Collection account that is reporting to the three credit bureaus is reporting in violation of the Fair Debt Collection Practices Act. Please review all call history.
Consumer complaint received 2022-05-03
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. (GA)

The account for XXXX XXXX is reporting as 30 days late. I have never been late on this account. I have called and written in several times concerning this matter. It hasn't been rectified as of yet. The date it is reporting late is XX/XX/2021. It was removed before, then placed back onto my report. XXXX has removed it permanently.
Consumer complaint received 2019-04-04
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: SYNCHRONY FINANCIAL (DC)

I have a loan with SYNCB/CARE CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SYNCB/CARE CREDIT with no successful resolution. XXXX, XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-04-04
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: NAVY FEDERAL CREDIT UNION (DC)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2019-04-04
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. (OH)

There has been multiple dates over the past 4 years. I've been trying to remove a delinquent account that is showing late payments but my husband and I no longer owe the company. We had a lawsuit against them and received a letter from our lawyer that shows we no longer owe anything, but Experian insists on keeping it on our credit report and letting it destroy our credit score. I'm considering a lawsuit against Experian next. This has gotten way out of hand.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive requested three separate times that XXXX, TransUnion, and XXXX investigate and provide proof that some unauthorized inquiries be removed. After three months of waiting they have yet to respond or remove these. *attached support documentation
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Discover closed my card shortly after making a monthly payment after saying they couldn't verify my information. They essentially got free money out of me and I feel very dissatisfied with how my account can be closed at will randomly when I did not do anything wrong. This is my only account that was closed out of nowhere and my credit score will take a tumble as a result.
Consumer complaint received 2019-09-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (SC)

There is a balance of {$16000.00} owed to XXXX of XXXX, SC. This account was opened in XX/XX/XXXX original balance was {$570.00}. In XX/XX/XXXX paid {$30.00}. Contacted by Ms. XXXX XXXX XXXX XXXX in XX/XX/XXXX she said that a notice was sent to me I never received a notice, at that time i had a debit of {$30.00} debited from my checking account and ask that the remaining balance be debited the same way, however, there was not enough to cover the draft since this is how I pay all my bills. Around XX/XX/XXXX I received a call from a Ms. XXXX XXXX stating that I owe a balance that has not been paid. Contact Ms. XXXX on or about XX/XX/XXXX stating that I missed the deadline for getting back to her to correct this issue it by XXXX that morning for she said that is the only way to stop the information from going to the county and if I did not it would cost me {$1600.00} for court fees, plus amount owed, filing fees ect. I was going to send the money to her XXXX XXXX at XXXX XXXX XXXX, VA XXXX. XXXX XXXX in XXXX, Va XXXX I called her back and told her I could not sent the money because my rent had to be paid the same time she said she would have to process the paper work to XXXX , County for complete processing and some one will either come to my residence or my place of employment to serve me information. There after I started receiving phone call from family members and people in the community saying that the FBI was looking for me concerning a Bad Check this was happening all over town and I was felt violated because I had spoken to her and let her know the reason why i could send the money at that point. Spoke to the XXXX XXXX  XXXX several times they can verify about trying to obtain a nother number to locate this collection company but they said this is all they had. The files were being sold to diffrent companies always wanted to clear this up. Spoke to Ms. XXXX and she denied the it however she did give me some names that spoke to me. Ask copy notice sent to my address she said they do send copy of notices.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

A notice of dispute letter was mailed out and delivered to EXPERIAN INFORMATION SOLUTIONS on XX/XX/2024. Since the notice of dispute letter has been delivered, I had been waiting on a list of inaccurate accounts in that notice of dispute letter to be disputing. Tonight marks the 30th day that I had been waiting and yet I still have not received been notified of any accounts going into dispute. I have checked for the status of the reinvestigation with the inaccurate accounts in question, but not one account has gone into dispute. EXPERIAN INFORMATION SOLUTIONS has allowed 30 days to go by without acknowledging my dispute letter. The letter was organically by me. I've provided all the appropriate documents, but yet no response concerning the matter. Per the Fair Credit Reporting Act 15 U.S. Code 1681i - Procedure in case of disputed accuracy - Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. My dispute has not been addressed at all. Per 15 USC 1681i ( 4 ) Consideration of consumer information - In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (FL)

PNC Bank closed my business account and business credit card even though I am a law abiding XXXX Business. I was totally honest and forthcoming with the description of my Business when opening these accounts. I poured my heart and soul into this business because of the love for the industry, getting and delivering second amendment rights to those who should responsibly handle those rights by conducting ATF and FDLE approved background checks. I am licensed by the Federal Government to conduct my Business. This type of discrimination is not fair nor should this type of bias be tolerated. I used my business credit card to build my business spend money using it and now can not generate income but yet expected to pay the bill even though they flat out demean me using discrimination of this type along with other Banks. In my opinion PNC Bank should have not allowed this business card and business account to be open in the first place if it is so against their political beliefs. They have wasted my soul, time, and money.
Consumer complaint received 2020-09-15
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: Resurgent Capital Services L.P. (VA)

This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) So. XXXX XXXX XXXX : still on my credit report supposed be deleted 3 )  XXXX XXXX : still on my credit report supposed be deleted 4 )  XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (UT)

This company stole my identity and is now collecting on debts. All they've produced is photocopied bills with the address changed which they got illegally through data breaches. These guys haven't been able to produce a SINGLE SIGNATURE ON ANY OF THESE ACCOUNTS. They're even collecting on an account for XXXX XXXX. Who's that? Actually proof that you obtained my information illegally. They are fraudulently collecting on debts. They claim I was informed by the initial creditors that I was notified. They photocopied a letter from the internet and just changed the address on it or they would have USPS delivery receipts.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Account Name : XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX  Card Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX Bank 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 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I contacted Portfolio Recovery ( PR ) about the Date of first delinquency ( DOFD ). PR respond as stated that the DOFD was XXXX XXXX. PRA states that I did not notify them about the discrepancy. Enclosed is a copy of the certified letter PRA received. Below is PRA response to CFPB. PR reports the DOFD to XXXX  as XX/XX/2012. The DOFD is inaccurate. PR is in violation of my reporting rights. 
PRA STATED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRA has no record of a response or a dispute being received in relation to its initial notification letter. PRA furnished information relating to your account to the consumer reporting agencies in accordance with industry guidelines including but not limited to the date of first delinquency which was XX/XX/2012. 

Evidence : I am enclosing evidence from XXXX XXXX ( Original Debtor ) the records reveals the DOFD was XX/XX/2012.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I turned XXXX on XX/XX/2018 and was enticed by Citibank 's promotion to open new checking and savings account. I went with my grandfather and opened the account at Citibank XXXX, FL branch. Promotion was for {$200.00} and the personal banker guided me for the same. I made a note to maintain the balance of $ 25k+ for 60 days as mentioned to me, which I did. Citibank denied the promotion on false pretenses and requirements, which were never clarified or mentioned during account opening. When I went to branch they told me to call the toll free number. I was on a long hold with my dad to get the issue resolved ( over 1 hr ) and to no avail. They could not even find any promotion listed on my account.

Citi is doing deceptive practices and I am annoyed by their customer service.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : 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.
Consumer complaint received 2022-08-18
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. (CA)

I pulled my report XX/XX/2022 ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries
Consumer complaint received 2022-08-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (SC)

XX/XX/2022 XXXX XXXX, XXXX. 
XXXX XXXX XXXX 
XXXX XXXX, SC XXXX Tel : XXXX Email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Tel : XXXX Re : Seven-month experience in applying for a Home Equity loan with Truist Bank ( XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX that contradicts what is advertised. 

Dear Bank Manager : Truist website : Once all required paperwork has been received, the turnaround time from application to closing averages XXXX days, which is one of the fastest times among our bank peers. 
Seven months ago, I met with XXXX XXXX to discuss refinancing my Truist loan. 
XXXX XXXX assured me that a Home Equity loan was a five-six-week process and offered it as a better option for debt management. Her confidence and enthusiasm won me over, and I began submitting the required documentation on XX/XX/2022. 

XXXX months later, my loan remained stagnant with endless excuses and repetitive requests for updates from XXXX XXXX. Yet, all along, XXXX XXXX continued to tell me that the loan was on track with closure eminent. 

XXXX XXXX emailed me on XX/XX/2022, about an Attorneys secretary/paralegal ( XXXX ) XXXX XXXX after her computer crashed. XXXX XXXX followed up that email with a phone message on XX/XX/XXXX requesting once again for me to identify debts to be paid because of limited funding. I released XXXX XXXX from this seven-month, excuse-riddled, and confusing application process before it caused more difficulties in my life. I have delayed making a decision about work/retirement based on XXXX XXXX 's assurances. Also, interest rates are much higher now than they were seven months ago. 

I am asking for a review of my application to understand what happened to Truists written promise to close applications within 30-35 days. Why was I treated differently? 

Thank you very much for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

Hello, I am being called 4+ times a day until my car payment is made with XXXX XXXX XXXX. It is due on the XXXX and I am called 4+ times every day until the XXXX when I can pay the bill. I am also occurring interest every month from the XXXX to the XXXX and because Ive moved my payment date twice, they will not allow me to move the date again. Ive had the loan for almost 5 years and it has only been paid about XXXX XXXX  due to this interest Im getting added on every month. 

The calls are the most frustrating part. I also requested to not be called during the XXXX and they are still calling multiple times a day, at all hours of the day.
Consumer complaint received 2022-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

I have sent in copies of checks made out to freedom mortgage each month for my payment. They are trying to say that I am behind on my mortgage from XXXX of 2021. I have proof and sent it all to them with the copies of the checks cashed by their company. I have called numerous time and sent the checks in to get the account fixed. They have not fixed the account and keep giving me the run around.
Consumer complaint received 2019-02-10
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. (GA)

On XX/XX/XXXX I received my credit report from XXXX, XXXX, and Equifax. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX   XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11.  XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2019-02-10
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: Experian Information Solutions Inc. (FL)

I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX