davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (NY)

Please help! I am submitting this complaint in regard to the negligent and unauthorized reporting of fraudulent accounts on my report. I have submitted an FTC complaint and affidavit alongside my proof of identity. I have submitted all documents in accordance with section 605B of the FCRA. The act does not require any extra information. Please remove the account with 4 business days of receipt of this complaint. I have mailed out a complaint directly to your company to the CFPB as well. Please comply with the law. Thank you!
Consumer complaint received 2018-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (TX)

I purchased a bed from XXXX XXXX & it was finances with XXXX XXXX. The bed did not work out & was returned on XX/XX/2018, and I was told that the loan would be cancelled and my money returned. I called the bank on XX/XX/2018 and was informed a check would be sent out in 5 to7 days. The check did not show up in that time frame, so I called the bank again on XX/XX/2018 and was told that I should receive my check by XX/XX/2018. As of XX/XX/2018 no check. I called the bank on XX/XX/2018 & was told they had record of my previous call but no record of me requesting a refund check. Again I was told they would expedite my check & I should see it in 7 to 10 days.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I was at my XXXX during 2012 and I XXXX. My Primary care physician contacted the XXXX XXXX Police and they handcuffed my and took me to XXXX XXXX XXXX. I told both parties that my MCO did not cover hospitalization. They insisted that I be committed for evaluation. I tried to sign-out XXXX ( XXXX ). I was denied. However XXXX XXXX and one of the medical providers billed me for this service. I became homeless and my case manager submitted a hardship waiver. For the most part the majority of the bill was waived. However, this one particular provider ( XXXX XXXX XXXX ) did not and they 've sent it to collection. Now under the 8th amendment of the US constitution all pretrial or post convicted prisoners are afforded medical treatment while in custody. Because of this constitutional right, I contend that I should have never been responsible for the bill in the first place.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TN)

im writing this complaint because i sent Ally Bank a Request for accounting. Request Regarding List Of Collateral or Statement of Account. As of XX/XX/2022 they are in receipt of Certified Mail number XXXX XXXX XXXX XXXX XXXX and have 14 days from the time of receiving Affidavit to respond and i wanted to let your agency know that this request has been sent, as well as a email to the CEO XXXX XXXX at XXXX, as of XX/XX/2022
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I filed a complaint asking for copy or original bill they did not submit it, they typed up a bill. The original bills has an adjustment for XXXX, and zero due. I got it from XXXX. They are also trying to collect intrest on a debt I do not owe them. When I called them they even gave my a much higher amount and offered to settle for just over XXXX.
Consumer complaint received 2018-09-11
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: KEYCORP (IN)

Key Bank Rewards program is misleading by saying they are giving you XXXX points per XXXX spent. When you go to redeem you can only get {$1.00} for every XXXX points so in effect it is only XXXX point per {$1.00} spent. 
I have XXXX points with Key Bank. They say that is worth {$110.00}. 
Last year I had XXXX point with XXXX. They gave me {$500.00}. 
Key Bank is using rewards points terminology that all other credit card companies use but all other companies actually give you what they say they will. 
Key Bank is being misleading and dishonest with their rewards points advertising. 
I have spent too much time looking through Key Bank info for anything that says what the true point value is. It is not until you go to redeem that you find out.
Consumer complaint received 2018-04-30
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. (AR)

On XX/XX/XXXX I received a letter from Equifax informing me the results of my investigation are complete and lacked any proof of verification. Police and identity theft reports were received by Equifax containing accounts that were opened without my consent. Neither the creditors/collection agency has yet to respond to my dispute, therefore Equifax could not have verified these debts.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the bank and had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/XXXX. I was an employee that was effected and XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sent me email that is attached dated XXXX, XXXX, XXXX. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all XXXX credit bureaus. They will not remove what has been requested and once again I can not get anywhere,
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I filed a dispute with Equifax that I had never made a late payment to XXXX XXXX XXXX XXXX. Equifax has responded to me, and I quote, " We have researched the credit account. Account # XXXX The results are : There is no historical account information currently on this account. This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. Additional information has been provided from the original soured regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX LA XXXX Phone : ( XXXX ) XXXX '' End quote. Everything listed there is totally contradictory. However, I have tried contacting XXXX XXXX directly. They are no longer in business! The XXXX phone number is a non working number. Mail sent to that XXXX XXXX has been returned to me with forwarding address unknown. Further, this account was transferred to another credit union in my area. I contacted them about the issue of this erroneous late payment, only to learn that they do n't have access to XXXX 's files from that time period and have no way to access them. I truly believe that Equifax did not investigate my dispute at all and is just saying they did. This is not the only account that Equifax is reporting recklessly and without recourse on my credit report.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/22, We deposited a physical check into a new JPMChase checking account via ATM at the Chase branch while working with a Chase officer. The check was for {$1500.00}. The officer saw the check show up in the account. This check was from our existing XXXX XXXX account. The check cleared on XX/XX/22. 
On XX/XX/22, Chase closed the account in error. 
The {$1500.00} disappeared from the account. We had 4 visits at the local Chase branch where they tried for several hours to find this money. 
Suddenly, on XX/XX/22, the money finally re-appeared in the Chase account. But what Chase did was RE-submit the original check to XXXX XXXX a second time and XXXX cashed it again on XX/XX/22! 
Now we are still out the {$1500.00}. XXXX says we have to deal with Chase and Chase says we have to deal with XXXX. And it was very shady of Chase to resubmit that check twice when THEY lost and couldnt find the money. THIS IS WRONG!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

These addresses do not belong to me and ive never lived there. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HI XXXX XXXX XXXX XXXX XXXX, HI XXXX
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

I have attempted to resolve this issue with RENT RECOVERY Solutions on two occasions by sending them letters requesting them to validate the debt that they are reporting to my credit report. I recently sent them a letter on XX/XX/2022 30 days ago and have not received any response. I am providing the tracking number XXXX that shows that Rent Recovery has received my letter, I addressed the letter to XXXX XXXX, Executive Vice President. I do not agree with the balance that Rent Recovery is stating is owed to apartments XXXX XXXX. I also was not notified by the apartment complex XXXX XXXX on any eviction and was not served any eviction notice, I do not agree with the charges that XXXX XXXX is claiming that is owed to them. Also Rent Recovery is not reporting this with an actual name on the XXXX credit report I was unable to address this account within 30 days before it reported to the credit reports due to the fact that there is no debt collector name attached it simply states XXXX XXXX ' I have attached a copy of the credit report as well to show that this account is not reporting accurately in several aspects.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC (IL)

The debt collector called me on XX/XX/XXXX @ XXXX XXXX  to try to collect a debt that my wife owed. I am not on the account and did not apply for the credit card. My wife applied for the card when we were legally separated. I told the agency this and gave them my wife 's cell phone number to call direct. They confirmed they already had it. I asked them not to call me again because the matter had nothing to do with me. They agreed that this debt was not mine so they would follow up with my wife. I received another call on XX/XX/XXXX @ XXXX XXXX with the same gentlemen asking the same questions. I ask him again to call my wife and take my number off their " list ''. He started to ask harassing questions about whether I followed up with my wife, if I told her to call them, etc. I again asked them not to call my number and confirmed my wife 's number again, then hung up.
Consumer complaint received 2020-02-04
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. (AR)

I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OH)

For the past 4 years, I have had problems getting through the Equifax security questions. I CORRECTLY answer the questions - all answers are None-of-the-Above - and I am rejected and directed to apply by mail. The last time I did this, they LOST my report, either on their end or the US mail, and had to resend it so I will never resort to this method again. I never have this problem with either XXXX or XXXX.
Consumer complaint received 2021-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

Hard Inquiry from department store " KHOLS/CAPONE '' without authorization on XX/XX/2021. I called multiple times to rectify the concerns and I was transferred around until the automated system hanged up. Phone number of the company XXXX and XXXX on Credit Report.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

It looks like the kia auto did 2 hard inquires under my name. One under XXXX and the other Nissan. Both companies are the same dealer to where I bought my vehicle. Only vehicle I looked at and bought was a XXXX. Two injuries should not be showing to my knowledge. Dates are XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2018-09-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

The Experian website shows conflicting data on my credit. One page shows that I have a potentially negative item that is a late payment on a mortgage. That was cleared up by XXXX. XXXX notified the credit agencies, and Experian updated the payment history on my account to reflect no late payments. However, they did not update the negative items on my credit. It is no longer a negative item and should be removed as a negative item. When Experian looks in to the issue they will show that there aren't any negative items to update. That is correct, but their pages do not reflect that. I can provide attachments to show this.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you
Consumer complaint received 2020-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have received my response from Portfolio Recovery, regarding my complaint over their non-response to my demanding their proof as to their adherence to the law with regards to the FCRA. They still have not demonstrated compliance with section 1681s-2 of the Fair Credit Reporting Act, they have not shown where, per my request in a letter to them, where they notified me, the consumer that they supplied the legally required Notice regarding their furnishing of adverse information to the credit reports, thereby doing damage to that consumers credit report. They ignored my initial letter requesting their proof of compliance with this law, as I only learned they were reporting on my credit when I checked my credit report, not from being notified of that by them, and I filed a complaint against them with the CFPB due to their non-response. 
Just yesterday I received letters from Portfolio saying they needed information from me in order to proceed forward with their investigation. They deflected the basis of my dispute issue and didnt even reference it as the enclosed document shows. Their response had absolutely nothing to do with the basis of my prior complaint. They are reporting information on my credit, it is therefore THEIR burden to prove that they are doing so in a legal and valid manner. They have not done this and their deflection demonstrates an inability to properly document their permissible purpose in accessing and reporting on my credit. Either they can answer this seemingly simple request for information to show that they followed the law or they cant. And if they cant then they didnt handle this alleged claim on me lawfully then they have no business accessing my credit or reporting items on my credit file, items that theyve never been able to prove in the first place. They should be removed from my credit reports.
Consumer complaint received 2024-05-31
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: Consumer Portfolio Services, Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.