davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
BANKRUPTCY file # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Billed for a XXXX XX/XX/2018 for 1 day stay XXXX. Insurance paid $ XXXX+to XXXX hospital XXXX , GaXXXX XXXX billed me nearly {$2400.00} after insurance paid. I questioned the amount as the bill had many!!!!!!! charges labeled XXXX supplies. I am a XXXX XXXX  familiar with the XXXX process.Though I did not agree with the charges, I made two monthly payments of {$100.00} online. In XXXX, I was called by a representative from XXXX XXXX demanding that I agree to pay {$220.00} dollars per month to have it paid in 12 months. I refused because I could not afford it. I told her that I would continue to pay the {$100.00} but she said that I could not pay what I wanted and that they determined what I should pay and her communication became hostile. At that point I felt harassed and hung up on her. 2 weeks later in XXXX, I got a call from medical bill collections. I attempted to pay online and found the account closed and not accessible online.I was blocked from paying XXXX directly. Now a company called XXXX XXXX XXXX XXXX is calling me repeatedly from a toll free number and making threats to ruin my good credit unless I pay in full. I think that my rights were violated by both XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/2010, I filed for bankruptcy because I was overwhelm dealing with Identity Theft with accounts that wasn't mine. Although I was dealing Identity Theft, my other creditors did penalize me for issues beyond my control. The identity Theft led to years of having to prove the accounts weren't mine and existing accounts with purchases not mine. After 24 months, I began to receive pre-approved credit in which I took advantage of. Unfortunately, there was so much breach from companies that had my information. It was necessary to use credit monitoring services but my information was still being used. Since there were still credit accounts opened in my name, I had all credit bureaus to freeze my credit report. The creditors with fraudulent accounts were not following instruction to contact me first before opening new accounts.

In XX/XX/2012, I received a XXXX XXXX XXXX credit card I applied for with a good credit limit in which the XX/XX/2010 bankruptcy appeared on my credit report. There is credit accounts disputed but reflected on the account. My credit report reflects great payment and credit history. Since all the credit history is same as when XXXX XXXX XXXX   credit ( Synchrony Bank ) approved the account, I requested a credit limit increase and it was denied. The reason for the denial is bankruptcy and past due accounts I've working very hard to remove from my credit report. I guess I do not understand how the same credit score and credit used to approved the account now be used for denials.
Consumer complaint received 2022-11-30
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. (TN)

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 Credit XXXX and XXXX XXXX XXXX XXXX Credit  XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 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 2018-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (IL)

On XX/XX/18 XXXX XXXX left a threatening voice mail on my cell phone. They told me I was going to be served court papers at my place of work for an old debt. I called there and they offered me a payment plan. What concerns me is the fact that they have my Social Security number. This is a very old debt and I'm sure past the legal limit to collect.
Consumer complaint received 2018-12-07
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. (AL)

On XX/XX/2018 I submitted a certified letter to Experian asking them to provide me with the details involving their verification procedures. On XX/XX/2018 Experian says that they have completed their investigation process and they have found the accounts to be verified. Experian failed to provide me with information on how they how they went about their investigation process in order to verify the 2 XXXX accounts in question.
Consumer complaint received 2018-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

I mistaking overlayed my truck payment on XX/XX/2018 causing it to be played off. I normally make my payment every month the same way with the same application. However after processing the payment I realized it played XXXX on the truck. I immediately called to stop payment but the bank told me they were not able to. The banker claimed she applied a request to reverse the payment. I called the bank every day to verify the process was going smoothly and every banker I spoke to has a different story. This morning a banker claims the loan account is closed and there original request for reversal was denied by the bank on Monday. I tried reaching out to my branch but the women in there claim the manager will call me back but do nothing.
Consumer complaint received 2018-04-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On Wednesday, XX/XX/XXXX, I applied for a loan to buy out the lease for my XX/XX/XXXX XXXX XXXX in a Fifth Third Branch on XXXX XXXX XXXX, XXXX, OH XXXX. The name of the banker was XXXX XXXX ( XXXX ). I brought in all of the paperwork from the original signing of the lease agreement ( which he made copies of ), and told him that I wanted to apply for a loan to purchase the car when the lease expired. 

I was very clear that I was in a lease, and the paperwork I brought in that I gave to XXXX XXXX specifically indicated a retail lease order. There was absolutely no confusion that I wanted to buy the car upon the expiration of the lease. My wife was also present during the meeting and can verify this information. 

In order to process the loan, XXXX asked me to complete a loan application along with a credit check. I was then told that underwriting would ask me for certain documents before I would be approved. XXXX sent an email that said I needed to provide a " bill of sale '' for the loan to be approved. When I called XXXX to request that information, they said that document couldn't be provided, but they would send documents to Fifth Third to process the lease buyout. 

On XX/XX/XXXX, I then went into a Fifth Third branch at XXXX XXXX XXXX, and spoke with the manager onsite for the fax number so that those documents could be sent. She then called underwriting, at which time she was told that Fifth Third does not sell loans for car leases. I called Fifth Third 's customer support number and talked with two additional individuals who all told me that they didn't sell lease buyouts. 

I submitted a credit application having been told that I was applying for a lease buy-out. This information I was told was false.
Consumer complaint received 2019-08-24
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: EQUIFAX, INC. (TN)

. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-02-12
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. (FL)

I have contacted XXXX with a request to correct wrong information on my reports. Names are misspelled, Inaccurate information. I sent several Request to XXXX  to correct and resolve. I keep getting denied for credit
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (AK)

On XX/XX/2019, I accepted Discover Card balance transfer offer to pay {$6000.00} toward my son 's College tuition. The offer was 0 % interest for 12 months with a 4 % transfer fee. After 12 months, the interest would be current rates 14-15 % ( currently 14.25 % ). 

Nothing in the Discover promotional materials stated that my prior ( higher interest ) balance would be paid only after the minimum balance was applied to the 0 % transfer balance. I have paid approximately {$880.00} in unexpected interest despite sending well more than the minimum payment for many months. I had approximately {$7000.00} balance before adding the {$6000.00} at " 0 % Interest ''. 

My other cards use a " first in first out '' payment strategy on transfers unless they clearly state otherwise per appropriate advertising law. In other words, transfers are truly 0 % interest ( after the percent transfer fee ) as long as the prior balance is being repaid and until the term of the transfer ( 12 months or more ) is exceeded. 

Nothing in the Discover promotional materials described why I would no longer receive cashback bonuses on the earlier balance but these also have ended.

I have been an excellent Discover customer over 10 years and have a FICO score of 811. Am  attaching statements showing my excellent and timely payment history. 

I am asking FTC and/or CFPB to sanction Discover for not making terms clear in the offer promotion ( it does no good to show these terms on the back of a statement after the transfer has been completed -- terms need to be made clear up front ). 

I believe this is deceptive advertisement and worthy of a class action suit.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UMB FINANCIAL CORPORATION (MO)

UMB Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked UMB to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX XXXX. I am complaining again because I was not satisfied with any of the responses.
Consumer complaint received 2022-05-04
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)

In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX ( original creditor ) Account XXXX # # # # # # # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Equifax is reporting on a bad, invalid junk debt collection note acquired by XXXX XXXX XXXX XXXX ( junk receivables collectors ). The Creditor listed is " XXXX - XXXX XXXX XXXX , XXXX. ". The original debt they are reporting and attempting to collect on from XXXX / XXXX was resolved years ago with XXXX and XXXX. As noted on the attached document a billing error was noted and the matter can not be billed to me XXXX the patient ). The matter closed with a zero balance. 

This erroneous error must be removed by Equifax in accordance with the FCRA. 

Thank you.
Consumer complaint received 2022-10-20
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. (LA)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-21
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : 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
Consumer complaint received 2019-03-21
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. (CA)

Equifax and XXXX  are incorrectly reporting me 120 days late on the XXXX - partial account number XXXX and XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-10-16
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. (NY)

I noticed an account open on XX/XX/2018and It was not possible for me to open an account because I was in XXXX XXXX with the police as I was getting away from my ex partner and a victim of XXXX XXXX. I was also in the hospital as well. I believe he stole my information and repeatedly tried to open fraudulent accounts
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

Every week I have a issue with on line or my atm I am feeling targeted this is my third ATM card and every time I try to check my accounts on line to stay on top of things there is limited access or I have to call in or go in to see some one. What is the point of the on line services if they never work.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

This is a company called Naviete, Navaite ( spelling? ) They keep calling our personal house phone number and I have never done business with them and neither has my husband. Since we have never done business with them and we do not owe them any money, I want them to stop harassing us and stop calling our home number. They call 2-3 times a day and it is getting very annoying. Please help us to get these people to stop calling. They will not get money from us, we don't owe them!
Consumer complaint received 2023-04-08
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. (VT)

Hello. On XX/XX/2023 I received an email from Experian claiming that I had two ( 2 ) accounts listed on their boost program, which is supposed to increase your credit score. The email stated that these two boost  accounts, XXXX and XXXX would be removed within 14 days, and my credit score would drop if I did not take action now. It asked me to remove, which ever subscription I no longer use, which was my XXXX, which I did. Subsequently, Experian dropped my score by XXXX points within two seconds. I am a senior who is trying to currently increase my credit scores, assuming that Experian was going to help me with their boost program, and instead of boosting, they damaged my Experian score. Additionally, I reached out to their contact center to discuss my dismay with the way they are sending unclear and threatening messages to seniors in order for them to take actions which end up hurting their credit. The representative spoke with me for about 10 minutes, could not do anything for me, I asked to speak to her supervisor, she left me on hold for 10 minutes and then the line dropped. This is an all too common occurrence with these call centers when they dont want to deal with a difficult topic but I am begging you for help to fix this injustice. You can not send out emails threatening credit scores, unless action is taken, and then take recommended action, and then get instantly penalized for said action. Please please please help me to get my credit score raised back to where it was prior to this scam/misleading email sent by Experian. I am trying so hard to increase my credit score in order to be able to afford the necessary things in life. I am a XXXX person, and it is hard enough to balance, doctors, prescriptions, and food, all while trying to provide a better life for myself via a better credit score. Thank you in advance for your help.
Consumer complaint received 2022-10-19
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. (MI)

the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating XXXX of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " XXXX, XXXX, Experian XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.
Consumer complaint received 2019-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac owns my mortgage. Loan origination XXXX of {$150000.00}. Had home appraisal on XXXX as I considered a refi since escrow overages was {$4.00}, XXXX and a solution was to add overage amount to principal balance of my mortgage. PennyMac attempted to coerece me into refi with cash-back and $ XXXX credit card debt rolled into refi amount even after I stated that I didn't like the idea, but the loan guy convinced me that it was common and a good thing for me to do. After consulting my mortgage expert who helped me when I purchased the home in XX/XX/2012, she advised of the many details of the loan proposal that were negative in their effect on me, and I decided to not refi but instead decided to pay {$4300.00} out of my pocket. When I spoke with PennyMac to cancel refi and to get my monthly payment recalculated with a new lower homeowner 's insurance policy along with my request that they waive/remove the MI charges, they refused stating that the MI will remain until I either wait 2 years or my principal balance is reduced by $ XXXX. I explained that I have paid 78 months of payments, no late payments, and I have over 50 % equity in the home -- they still refused to drop the MI. This seems unfair to me.