davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX/XXXX  Potentially negative Date openedXXXX Balance {$1.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXXXXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$470.00} StatusCollection account. {$470.00} past due as of XX/XX/XXXX. 
CHILD SUPPORT ENFORCEMENT Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX from USAA XXXX from USAA XXXX from USAA call I have No hands to answer USAA is aware of my XXXX USAA gives ME NO ACCESS ON LINE OR BY PHONE USAA can not verify me a member of 35 years THIS IDENINITY THEFT WAS REPORTED TO THEM XX/XX/2018 UNRESOLVED AND SENT TO COLLECTIONS LOWERING MY CREDIT SCORE XXXX POINTS THIS HAS DESTROYED MY FI NANCES AND NOW HAS DESTROYED MY HEALTH I REFUSE TO CONTINUE Please tell XXXX from USAA IDENINITY THEFT DEPT ... .. HE IS ( 2 ) TWO YEARS *** TOO LATE AND STOP HARRASSING ME USAA HAS HARRASSED ME TWO YEARS SENDING ME TO COLLECTIONS XXXX YEAR OLD 35 YEAR MEMBER IS OUT I WILL NOT DIE FOR USAA
Consumer complaint received 2023-01-03
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. (DE)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 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 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

I called chase bank multiple times, tried to access it online, and went into the bank on XX/XX/XXXX to request all of my bank statements for XXXX of my accounts from when my account open back in XX/XX/XXXX. I was told they can only go back 7 years. That is very unfair and misleading to me as a consumer to be told I can not access my statements from the day my account opened because they refuse to provide them to me. I dont understand why they are refusing to provide me statements I have a right to request and access.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

Grant Mercantile Agency has for as far back as XX/XX/XXXX and again on XX/XX/XXXX frauduently reported a dept being in collection status begining at {$1000.00} and now {$1200.00} They had none of my correct personal information on file until I contacted them not even a correct name. All they had was a mailing addess. They have been reporting this for years and have done no due diligence to see if they were assigning the debt to the right person. I have contacted them, they know that the debt is assigned to the wrong person and are not voluntarily removing the debt. I believe that makes it fraud at this point. It is possible that someone may have given false information to this creditor at the time of service, but it was not me and I have made them aware of that.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I signed up for the Citi premier personal credit card XX/XX/XXXX with a link that " earn 50,000 bonus thank you points after {$4000.00} spend within 3 month of account opening. 
I spent more than {$4000.00} in two month and have waited. 
After 3 month still no bonus appeared on my account, so got a chat with Citi online representative but replied me that " No promotion offer found '', then recommended me gave a call. 
so I gave a call and talked with XXXX XX/XX/XXXX, answered need to wait one more billing cycle. 
today, it has passed another billing cycle, no bonus. 
I called and talked with XXXX. also answered need to review and wait 1~2 weeks. 
I don`t want to wait any more. 
I met the spending requirement in 3 month that they advertised. 
I never made any thank you points related credit card before. 
Thank you.
Consumer complaint received 2021-06-25
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (MI)

I am filing a subsequent complaint to Complaint No. XXXX. I received by XXXX information from my mortgage company ( Roundpoint ). They sent to me what I have marked as ( Exhibit A ) which consisted of some of the documentation I sent to them when requesting assistance along with a contract I did not receive which is noted without my signature. In the letter that was sent with this packet Roundpoints ' representative stated that they offered me assistance in which I did not cooperate in supplying needed documentation. I have enclosed Exhibits B thru K of what was sent to them with dates in the form of emails and letters. My Exhibit L is the receipts of mortgage payments with dates made to Roundpoint. I had this same issue with Roundpoint in 2016  however, I did not know that I have any recourses available to me so I agreed to paying a month and a half mortgage payment for six months in order to become current because they did the same stall tactics that they are doing now. In their letter it states that I was offered two months without a mortgage payment after which they would report me late. That does not make sense I continued to make the payments timely and the only reason I reached out to them was to be assured that I would not receive another late report. I would appreciate any and everything you could do in this investigation to have them remove this black mark on my credit. Thank You
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

This complaint is about Citi Group credit cards. Their customer service number is XXXX. I use their website to monitor and pay my charge amounts IN FULL ; almost immediately after charging and before the due date. I check their website to verify the total owed prior to paying it. In XXXX, I paid the full and complete amount which they had posted on their website for my account. However, the NEXT month they billed me {$2.00} finance charge. I dispute that I owe this finance charge. I tried to contact them via their website and got nowhere. I tried to call and waited in excess of 30 minutes on hold before I hung up in frustration. They do not communicate except to send a message via their website that the fee is correct.
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Fist hearing about this XX/XX/22. Called my sons phone left message. My name is XXXX XXXX with XXXX. We do have legal documents that require signature. If they are not available to sign or have questions regarding pending lien contact issuing firm handling your case immediately they can be reached at XXXX. Also reference case number XXXX. This company also called my place of employment and told them if I didnt contact them they would garnish my wages. I called them. The guy who answered was rude and nasty to me. Then told me this was an old debt of over 9yrs ago. An visa credit card that was over {$5000.00} was owed and if I didnt pay it he would see me in court. I told them I never had a Visa card with BOA. And he would not listen to me. I told him to be quiet so I could explain. He yelled at me told me we would see them in court and take all my money. And hung up on me.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Hello, I have 2 companies XXXX XXXX and XXXX XXXX  who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I attempted to use my mobile banking account and received a notification to call Bank of America. When I did call, I was told my account has been closed. I have no idea why and was told it was an identity issue, which makes no sense as I was and am able to identify myself. I am in XXXX, XXXX and looking to receive a refund from an airline company that did not receive my payment because of this account closing. I was issued a refund but I am unable to check my account for it because I have no access to my online banking anymore. Please help me with this situation, I truly need to go home. Thank you in advance.
Consumer complaint received 2018-03-13
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: Diversified Consultants, Inc. (NC)

I began disputing negative accounts reporting to my credit report beginning in XX/XX/XXXX.

I don't believe these negative accounts are not reporting accurately and are in violation of consumer protection laws. The accounts in question are Diversified Consultants, XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Moore Law Group (CA)

In XX/XX/XXXX The Moore Law Group in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with XXXX XXXX that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time limitation and over 10 years had passed from the date of last activity inXX/XX/XXXX 
I was injured in XX/XX/XXXXand had to have several XXXX. I was not physically able to return to work until XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay XXXX XXXX after XX/XX/XXXX. 
Prior toXX/XX/XXXX, The Moore Law Group had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money The Moore Law Group stole from me was my rent money and they caused me severe financial and emotional damage. 

The XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that The Moore Law Group would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX The Moore group seized {$24.00} from my account and are harassing me to make a payment plan with them for the XXXX XXXX debt that the last day of activity is over ten years old.
Consumer complaint received 2018-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (VA)

On XX/XX/XXXX I was searching the web for auto loan refinance rates. I found appealing rates on XXXX. The advertised rates were 2.24 % for a 60 months loan based on a XXXX and with an excellent credit of 720+ Considering that I had a XXXX credit score and my current loan rate is 3.87 % I decided to submit an application on XX/XX/XXXX with one of the XXXX partners listed there, XXXX  . 
Once they ran my credit they offer me a 2.99 % and let me know that those rates advertised are old from the begging of the year or so and are lo longer available. I did all the research and read all fine print and disclosure before applying and did not find any information or notation on the expiration for this rates. There should be some type of regulation that forces XXXX to update their rates and to not advertise false rates. XXXX and what theyre offering
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime (FL)

On XX/XX/2020 and XXXX XXXX DT Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX XXXX pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
Consumer complaint received 2018-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Credential Acceptance Corporation (CA)

My vehicle, purchased through Credential Acceptance Corporation, located in XXXX XXXX California, has been inoperable since XX/XX/XXXX and I attempted to work out a deal with the finance company,  Credential Acceptance Corporation, to pay it off at a lower rate due to the excessive amount in repairs preformed on the vehicle since day one. They denied my request to deduct {$1000.00} from my {$2000.00} balance back in XX/XX/XXXX. I called today XX/XX/XXXX to again attempt to pay off my loan, this time in the amount of XXXX from the {$1800.00} that is still owed. Office Manger XXXX at Credential Acceptance Corporation accepted that offer and provided me with their account number. When I asked the office Manager XXXX if she can email me that approval as a confirmation she stated No, they do not do that. I need to put the money in the account and they will close my account. I explained to her that that is a large amount of money and I have every intention of making my payment, I just do not feel comfortable depositing that amount without an email confirmation. She went on to say, very rudely we do not email anything and if you do not trust us, then we do not trust you and you can pay {$2000.00} to clear my account and she hung up on me. This behavior is extremely unprofessional and I have had previously had my vehicle wrongly repossessed in XX/XX/XXXX, after speaking with XXXX and she became upset with me regarding payment. I would want not more then to rid myself of this finance company, but their actions are very concerning. I understand my faults but theyve sold me a vehicle that has had an abundance of repairs in my 2 and a half years of ownership.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX I have asked all the credit bureaus to do an investigation on my account ( s ) with XXXX  which they did. The results stated everything is accurate although it appears to be a few inconsistencies, are currently reporting on my credit report. 

In accordance with the Fair Credit Reporting act XXXX Account # Has violated my rights. 15 U.S.C 1681 section 602A, which states I have the right to privacy & 15 U.S.C 1681 Section 604A which also states a consumer reporting agency can not furnish a account without my written instructions. This will truly help me in my process to raising my credit score, & I thank you in advance.
Consumer complaint received 2021-04-09
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: Fidelity National Information Services, Inc. (FNIS) (NC)

The company Chex Systems , Inc. is reporting two accounts to my Chex Systems report. 
These two accounts have been paid in full and per the company, these accounts will be removed from Chex Systems when the balance has been paid in full. 

Source of Information : XXXX  XXXX  XXXX  Amount - {$180.00} Amount - {$450.00}
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The 3 major credit reporting agencies failed to provide me with the requested physical documentation I've demanded previously but instead still abusing their authority by continuing to report the following fraudulent accounts inwhich I'm demanding be removed. 

1. XXXX XXXX {$560.00} 2. XXXX {$4700.00} 3. XXXX XXXX 4. XXXX XXXX XXXX {$5200.00}
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (AZ)

Institution Name : XXXX XXXX XXXX Account/Product Type : XXXX XXXX XXXX Card Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Reference : Failure to notify consumer ( me ) of charge to XXXX XXXX Store Card. 

XXXX XXXX failed to notify me of an automatic renewal of an XXXX XXXX charge to a XXXX XXXX Store Card ( ie. credit card ) I did not know I had. 

Synchronys customer service rep claimed to send an email to me. However, XXXX XXXX used an old email account which was no longer used IF XXXX XXXX sent an email at all. XXXX XXXX representative was unable to prove they sent an email and refused to provide proof any email was ever received and read. We never received a printed billing notice from XXXX XXXX until just today, after we argued with the bank rep because my credit rating dropped 200 points due to failure to pay. 

XXXX and their India call center said " call the US Post Office if you didn't get your mail or your internet service provider if you didn't see your email ". How insulting is that for a 200 point drop in my credit score. XXXX clearly charged an " automatic annual renewal '' on a 27 % interest credit card XXXX ISSUED WITHOUT MY KNOWLEDGE. I didn't know I owned or was charged for an " automatic '' annual renewal? 


Investigate XXXX XXXX and XXXX XXXX for failure to properly notify me of a charge made to an XXXX XXXX XXXX Card without my consent or knowledge. 

Please fine XXXX and XXXX XXXX They must notify all credit agencys to reinstate my credit score of 830. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX