davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Reporting company used your report improperly
Company: Cascade Capital, LLC (AR)

I've disputed the inaccurate information on my consumer report but it has not been changed and is currently in dispute Pursuant to 15 usc 1681a ( 3 ) This company assumed this role without permission not only that This company did not have my consent. This company did not respect my privacy which is under 15 usc 1681a ( 4 ). This company did not exercise their grave responsibility,. This company was unfair partial, unjust, and careless. Pursuant to 15 usc 1681b ( 2 ) this company never had permissible purpose. I never instructed anyone from this company to furnish this report and I never consented to the reporting in the first place.

What I demanding right now is that the company delete this account/report immediately within 4 days.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NV)

I open a credit card XXXX XXXX XXXX XXXX with TJX ( TJ Max ) a few months ago. I was offered the card at checkout and a discount. The charges were {$54.00}. I paid this amount on XX/XX/XXXX. I was charge a {$40.00} late and interest fee. I paid an additional {$69.00}, I assume late fees and interest, XX/XX/XXXX and wanted the account closed, I hadnt used it in a few months. In XXXX - XXXX I have received three monthly statements and MANY text messages regarding late fees and interest. The balance is now {$100.00} and all fees and interest. The fees, interested and multiple daily text messages are outrageous. I would like the account close and will NEVER have a credit card with Synchrony Bank again. Thank you for your help, 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. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

EQUIFAX employees often live in other countries who don't even speak clear English. And, I XXXX XXXX was told to do an online dispute by one of them.I called twice and was told the same thing by a non-us customer service rep, whom did't speak clear English. So I filed an online dispute, only to discover when I answered all the security questions properly, I got an error message, which is attached. It is EQUIFAX fiduciary duty to not lead a consumer astray. Also, per XXXX  vs FTC no credit bureau can place the below financial and personal information within my credit report. 

XXXX XXXX v FTC United States Court of Appeals FOR THE DISTRICT OF COLUMBIA   CIRCUIT Argued XX/XX/2002 Decided XX/XX/2002 No. XXXX XXXX XXXX XXXX, Appellant v. 
Federal Trade Commission, et al., Appellees Appeal from the United States District Court for the District of Columbia ( No. XXXX ) 6. The regulation provides the following examples of PIFI : ( A ) Information a consumer provides to you on an applica- tion to obtain a loan, credit card, or other financial product or service ; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collect- ing on, or servicing, a credit account ; ( F ) Any information you collect through an Internet " cookie '' ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report Penalties and Liabilities, Sections 616, 617, and 619 ( 15 U.S.C. 1681n, 1681o, 1681q ) Credit unions may be liable for willful noncompliance or negligent I was  attempting to dispute the following account : XXXX XXXX XXXX
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

i this XXXX XXXX XXXXSynchrony Bank, and i have been add a higth interes every mont plus a CARD SECURITY XXXX wich i recuest too cancel for aboutj 7 monts a ready and never was cancel..because this has misleading information and you never get this aprove. for the XX/XX/2019 i have a INTEREST CHARGE ON PURCHASES XXXX, this is every mont plus the XXXX wich make the account higth on top even with not balance left..so the account is XXXX because all this fees a account security card services is hgth avero mont to is liek making this chrages on top of a empty account create by this same charges ... can beleve this. i have been charge more tham XXXX dollars on fee, interes, on topo every mont..create by this same fees and inter over balance use..this is not rigth. 

Look so you guys have a idea : {$2100.00} XXXX, Current Balance. 

$ XXXX, Available to Spend {$1700.00} Limit.

{$6800.00} Minimum Payment Due. 

fees : Statement Month XX/XX/2019 Statement XX/XX/2019 CARD SECURITY XXXX XXXX XXXX XXXX XXXX XX/XX/2019 INTEREST CHARGE ON PURCHASES XXXX XX/XX/2019 AUTOMATIC PAYMENT - THANK YOU XXXX
Consumer complaint received 2019-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

I received an unsolicited, pre-approval notice from XXXX XXXX that I could get a loan from One Main Financial. I was glad to know that since I had a discharged bankruptcy on my credit report history as recent as XX/XX/XXXX. Since that bankruptcy, I have taken out one installment loan with my bank and have opened 4 credit card accounts, ( all in good standing ). So I applied for XXXX dollar, 24 month term loan, and I got a approval notice by email. The reason I applied for the loan was to have a diverse amount of credit history, so as to re-establish my credit history since the bankruptcy discharge. I spoke with credit manager at the local branch about my approval letter and according to her everything was alright, but she was rude and quite unbusiness like, after our heated discussion, I got a letter from the main office in Indiana stating my loan was denied, without stating any specific reason ( s ), even though it was approved, ( I have screen shot of approval notice ). My credit score went from a low of XXXX to a high of XXXX ( XXXX ), ( XXXX XXXX ), ( XXXX, XXXX ). Now, as a result of one main financial pulling a credit report, my credit score went down three points, thus making any future approval for loans from other potential lenders, possibly hard to get, that enquiry will be on my credit report for 2 years, thus making any possible future loans hard to get. I think it is bad business and very bad for the consumer when something like that happens, it hurts the consumer. My loan should had went through but because of the branch managers bad attitude, I did not get the loan I was pre-approved and qualified for. Reference number, XXXX, letter dated, XXXX XXXX, XXXX. I uploaded per their request, all documentation that was required, and my credit report has nothing negative showing on it but a discharged bankruptcy dating back to XXXX. I work and have a steady income, so there is no reason why I shouldn't get the loan I was approved for. Also the manager at one main financial in XXXX, Ms where I was suppose to sign for the loan, told me on the phone that since the bankruptcy had been discharged, that would have no negative affect on my approval status, also, she said that my credit score was within the range of being approved for the small, unsecured loan. But because she developed a attitude ( bad for business ), my loan appearantly was changed from being approved to denied.
Consumer complaint received 2019-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Financial Systems, Inc. (MS)

I recently obtained a copy of my credit report and noticed Southern Financial Systems Inc furnished information on my credit report. The item states that they opened the account in XX/XX/2018. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. Southern Financial systems began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that Southern Financial Systems has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that Southern Financial Systems knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.
Consumer complaint received 2019-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (WA)

I recieved a payday loan from Speexy cash in XXXX, WA for {$350.00} and was to pay back {$400.00} on XX/XX/2019. My medical premiums have been taking out hundreds over the regular amount to the point that my company and union are all going to sit down and figure out wtheck is going on so I was unable to pay the payday loan back on time due to not expecting my check to be hundreds short. SO, payday loan day came and went but I had also given them permission to run the check and knowing my bank allows overdraft I assumed okay its going to overdraft my account and there's nothing I can do. Well, a woman named XXXX called me XXXX XXXX from speedy saying the check had been declined. I, then, explained the extenuating circumstances and said I would definitely make a payment on my next payday which now differed from original biweekly schedule ( was out on medical but then went back to work in this time. Its why i needed the payday loan ) so yes instead of two weeks from original due date it was agreed to be paid on XXXX XXXX. It was agreed to! They instead lied and continued to try and pull out entire amount and did so overdrafting every penny from my account. They by WA law HAVE to accept installments and I believe I even have 45 days to make a payment before theyre allowed to begin trying to force payment anyway are they not? Anyway, I called and they could care less and their reasoning was, " well, other people have lied and not paid them back in the past so they do this to everyone. '' They used deceptive means and lied about the agreement all together. I have all of which on recording to prove so. Her admitting to not telling me thats what they would even possibly do. I need that money back now and they can not treat me as less than human when this was completely out of my control in the first place. I can prove the medical was taken straight out of my check and that they owe hundreds when I've only just gottan back to work so they are the only ones who have lied here and royally XXXX  me after I was already going through enough! Please help.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I wasn't told that the it would a 12 day wait for the check to clear the Bank to get the funds. Then I was told 7 day by XXXX XXXX XXXX  XXXX the XXXX XXXX. XXXX FROM the XXXX XXXX told me 12 day 's. So the please investigation my concerns about how Bank of the has 2 different policies for a deposit from another bank. I WAS GIVEN THE WRONG INFORMATION BY 3 DIFFERENT PEOPLE WHO WORKS FOR Bank of America
Consumer complaint received 2022-04-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (KY)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$680.00} / XX/XX/2022
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: EQUIFAX, INC. (MO)

Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-26
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)

I have been working on my credit for 6 years and trying to do the right thing.I have settled accounts with lenders to satisfy them but my credit report and score is suffering from it.It still shows accounts being potentially negative which shouldn't be because I have done everything possible to keep all creditors happy.These potentially negative remarks should.be removed.Please help as I just apply ed for a home equity line of credit.Thank you.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my XXXX well-being is significant, affecting my XXXX and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2019-02-10
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. (GA)

I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. 

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. 

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. 

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : CAVALRY PORTFOLIO SERV ACC # XXXX CAVALRY PORTFOLIO SERV ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Consumer complaint received 2019-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLD KEY CREDIT, INC. (FL)

Because Gold Key Credit were ordered to stop operations in the state of Arizona for operating a collections agency without a license and to pay a civil penalty of {$10000.00} in XXXX I am concern about their actions as it relates to this alleged account. 

On XX/XX/XXXX, I received a message from XXXX XXXX and XXXX XXXX through XXXX, the debt I allegedly owe was reduced {$1000.00} Down to {$0.00}, however when I called to confirm, they stated that I still owe the alleged debt. 

Once I gave her the information required through her questioning, she said do I know why my mail is being returned from that address. Then she reaffirmed her statement by saying what I am trying to say is we are trying to mail to this address and your post master is sending back that I don '' t live there. 

On XX/XX/XXXX at approximately XXXX XXXX, on a recorded line, Gold Key Credit Inc. used misleading information alleged that the postmaster is sending back their mail and that I don't live at the address. Then she said that you are advising me that this must be an error and this is your current mailing address. I never stated anything about my address being an error. 

Then when asking her why did they reduce the amount from {$1000.00} down to {$0.00} she said they did not reduce the amount and the balance is still owed, however XXXX admitted other phone that, that information came directly from the creditor XXXX   XXXX XXXX/Gold Key Credit back on XX/XX/XXXX. And I saw written prove on XXXX and XXXX XXXX which is attached to this complaint Then she said that validation was sent of XX/XX/XXXX, but she just said that postmaster said that I did not live at that address so how is this possible. And her response was we cant be accountable if the mail was return, however I have 3 responses from that they sent through the mail. She also stated that I have a cease and desist on my account and they are not going to be sending me anything. I explain which I am sure the agency knows the validation specifically state only to do written correspondences which is another misleading statement. 

I inquired as to why they decreased the debt down to XXXX  and she stated that she did not notify the credit bureau that your balance was XXXX.
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

To Whom It May Concern : Good Day! 

As today XXXX XXXX I am writing you to take a look my concern and I take this seriously. My name is XXXX I received a letter from you and my radius debt collector as well and Id been calling USAA and after the ring itll go to operator or most hang up. So what USAA desire to fix this? As my concern may I ask for a dispute regarding the account from USAA. I spoke to a USAA representative I believe the name was XXXX last XX/XX/XXXX of XXXX. They mentioned the call maybe monitored or recorded so if I will request for you to take a look for the voice recorder and you will find a proof of evidence aside from the attached document I provided here. When the agreement mentioned and I agreed upon last XXXX XXXX I started paying {$55.00} on XXXX XXXX and the upcoming months it will be {$75.00} starting XX/XX/XXXX until XX/XX/XXXX and my last payment should be on XX/XX/XXXX. I called the USAA again last XXXX or XXXX for me to double check and I am excited because finally I will be out of debt from USAA but unfortunately they mentioned I still owe of {$650.00} and because of this scenario USAA put a {$730.00} amount definitely I DON'T AGREE with that esp when I spoke to a representative and I make sure no hidden charges or I will be done by XXXX of XXXX and he made sure that I will be done by XXXX and suddenly not. I was deceived and my credit score were affected so badly so I demand for a dispute for this and fix my credit score nor credit report and the balance I owe which should be about {$210.00} only and I demand as well for a debt free from USAA. 

I am looking forward to hear from you and fix that needs to be fixed. Thanks in advance.