davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (GA)

In XX/XX/XXXX and XX/XX/XXXX, I was covered by Medicaid for all medical expenses. This company is trying to collect a debt that I do not owe and does not belong to me. I have request Gold Key Credit, Inc to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Gold Key to remove this derogartory collection account from all credit bureaus immediately.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (AL)

I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over XXXX points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.
Consumer complaint received 2022-01-12
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: ID Analytics, Inc. (AL)

It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (FL)

I contacted cash app support to find out why I had accounts using my information to get direct deposit from VA benefits and unemployment benefits and they verified this was taken place when I didn't have the information about the account they refuse to put a stop to it and I believe it's still going on I didn't have the information because the fraudster opened up the accounts to take the benefits using my information and changed the address and other information. XXXX  has the same thing going on and when I tried to transfer over {>= $1,000,000} to my account it went through then they pulled the fund 's back and the account was closed XXXXXXXX XXXX had an IRA ACCOUNT THAT I DIDN'T KNOW ABOUT and by the time I found it they closed the account out also the same people have been stealing from different banks for over a year now and I'm one step behind them but I could have caught them months ago if cash app and XXXX  would have just took the time to verify my identity and did there homework I'm sitting here and can't even keep my phone bill paid wile the thieves are sucking me dry, they have put in false papers to keep everything confused like a false marriage document and from what I gathered false Court documents of different kinds
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I told Bank of America, of my pending class action suit after my cars engine locked on me, no fault of my mine own, and the car is deemed totaled unless I buy a new engine. Ive contacted BOF on many occasions over the months and never received any replies ... only my payment is due each month.
Consumer complaint received 2020-10-17
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: World Acceptance Corporation (TX)

I have contacted this company multple times about A fraud account that is listed on my report. I was informed they sold the accunt to XXXX XXXX I have enail communication from that company directing me to contact qorld finance. It seems as though I am being bounced around. The address the company has is also A flagged fraud address on all 3 of my reports. I have not been able to get this resolved nor removed and would like to take things A step further legally. I have filed A complaint with FTC in regards to the ID theft and also have extended fdaud alerts on all reports as A result of the fraud accounts.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

There was an unauthorized charge to my checking account. Wells Fargo refused to issue credit for the charge saying XXXX calendar days was too long. When I contacted the merchant they did not have an account in the same name. Not sure how Well Fargo would let such a charge go through when there this kind of mismatch in information.
Consumer complaint received 2021-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (FL)

This company MEDICAL BUSINESS BUREA hsd three accounts affecting my credit score i dont recognize. Never seen a statement yo see what they are trying to collect. I just became a resident so my social security number is new. Im just starting ny credit in this country and is already bad because of this. They just say i owe this and need to be paid. When i look for the address I've never been in that location they claim to be charging me. I did go to the hospital. The bill was very different a higher amount but when i was released from the hospital since i dont have money to pay for it specially at the moment they told me those XXXX were paid by a non profit organization ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Bureau, Inc. (NY)

I obtained veterinary services from XXXX on XX/XX/XXXX at time of service I gave my credit card as payment. Was given a receipt showing the bill paid. I received a notice from XXXX stating that I owed them money for services received that day. 
I figured it was a mistake and ignored notice. I then received notice from a debt collection agency called American Credit for XXXX threading to put negative information on my credit report. I called XXXX  and they do not know why the payment was not processed, but according to them it was not ever processed. I looked through my records but did not see payment going through but have since changed banks and do not know if it was processed. I offered to make payment as I do not want my credit ruined. XXXX would not accept my payment as they stated it had gone to collections on XX/XX/XXXX and I could only make payment to American Credit at XXXX what added a fee to the bill. At this point I am not sure what to do and I feel like I am being scammed. How can a company give you a receipt at time of payment and then say Oh sorry did not process it correctly and you owe us the amount.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MANN FINANCIAL INC. (MT)

Beginning on XX/XX/2021, my wife and I engaged XXXX XXXX from Mann Mortgage , LLC in order to secure a conventional mortgage for a house. 

During this process we submitted three offers to three different sellers for three separate properties along with separate preapproval letters from Mann Mortgage. Although we submitted all required materials to apply for loans for each of these properties, it was only after our third offer that a good faith estimate ( GFE ) was provided to us, which I believe is in violation of 12 CFR Part 1024.7. 

The submission dates for each offer are as follows : - XX/XX/2021 Offer rejected - XX/XX/2021 Second backup position accepted - XX/XX/2021 Offer accepted Once we finally received our GFE after our third offer was accepted, we decided to engage other lenders to seek out a better rate, which we ended up finding. Upon reengaging Ms. XXXX in order to negotiate, she threatened to contact the sellers ' agent, which we had not authorized and with whom she had a personal relationship, and implied to us that she would be doing so in order to jeopardize the sale if we decided against moving forward with her. 

She also contacted our Real Estate agent. Our agent relayed to us later that XXXX had attempted to " get her [ our agent ] on her [ Ms. XXXX 's ] side '' in order to jeopardize the purchase of our home and which point our agent told her that " she would not blow up this deal ''. 

I have subsequently learned through the Real Estate company that we contracted that they've fielded several other complaints about Ms. XXXX since our experience and I firmly believe that had we not contacted an attorney and threatened legal action for interference with a contract that she would have continued in her efforts.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

THE 3 MAJOR CREDIT BUREAUS ARE NOT RESPONDING TO MY DISPUTES, AND HE HAS BEEN WELL OVER 30 DAYS GOING PAST 45.. 

UNDER FCRA THEY HAVE TO REPORT 100 % ACCURATE INFORMATION WHICH THEY HAD FAILED TO DO SO. 

SINCE THEY HAVNT RESPONDED TO ME IN PROPER TIME, IN THIS CASE, MY DISPUTES MUST BE REMOVED IMMEDIATELY.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan and these errors are hindering me.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
I see an accounts that does not belong to me.
Consumer complaint received 2018-02-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (WI)

I got a demand letter from XXXX XXXX XXXX. dated XX/XX/2018 indicating that the account records of a second debt collection company, XXXX XXXX XXXX XXXX XXXX show that I have an outstanding balance of {$970.00} owed to XXXX XXXX. Convergent 's letter offers to allow me to settle this fictional debt for 25 % or {$240.00}. I have no knowledge of XXXX, XXXX XXXX or Convergent nor have I ever been contacted by any of them to include substantiation of such debt. Just a nebulous demand letter for a non-existent debt from a state that I have never lived in. I believe this to be a scam and an attempt to scare Senior Citizens into settling false debts for a reduced cost.
Consumer complaint received 2023-02-06
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. (NJ)

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX BANK XXXX I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.
Consumer complaint received 2022-01-12
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)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (VA)

I am writing to file a formal complaint regarding a collection account labeled CARTER-YOUNG INC Account XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-02-15
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: 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. 

Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXXXXXX XXXX  Account name XXXX Account name XXXX XXXX XXXXXXXXXXXX XXXX  Account name XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXX XXXX Account name XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX Account name XXXX - XXXX XXXX Account name XXXX XXXX Account name 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 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (PA)

Lost over XXXX on Venmo due to my card and phone being used and they wont allow me access to my account for provisional credits or any dispute resolution
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NC)

I was Denied a Citi Custom Cash Mastercard because according to their algorithm Artificial Intelligence system and not a human I had too many inquiries. I called on XX/XX/2021 to see if I could be reconsidered but I was still denied. Keep in mind I have an active membership with XXXX  and XXXX XXXX and according to my XXXX XXXX XXXX, my credit score is a XXXX which is considered VERY GOOD CREDIT. I have an EXCELLENT payment history so there's no way I should have been denied that credit card. Prior to applying for their credit card, I had only 1 other inquiry so there's no way I should have been denied. I'm highly upset because this company not only discriminated against me due to my XXXX background, this company FAILED to give full disclosure to a consumer that you can only have 1 inquiry and it must be with them ONLY. I asked the representative if I could get their policy in writing and I was denied. As a victim of identity theft, how do I know this company won't open up a dummy account with my personal information they received? I want my personal information destroyed ASAP and I want this company reprimanded for engaging in false and misleading business practices.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a call back from a lady that did not give me her name. She was very rude and refuse to look at my account even after I verified my account. She also refused to answer my questions that I had saying that the email she was sending to me would answer all my questions. The email I received did not answer any of my questions that I have. I'm at a lose as to why bank of America is refusing to discuss my account with me.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PREFERRED CREDIT INC (MA)

Leased a XXXX vacuum back in XX/XX/2024, requested a cancellation of the contract due to not being able to afford the product anymore and not being able to even use the product due to them not sending out the proper equipment needed in XX/XX/2024, payment were not scheduled to start until XXXX XXXX they are refusing the cancel the policy and saying this will impact my credit and will also be getting late fees for each month i do not pay. 
Also did not receive documents from PCI ( preferred credit inc ) that this will go towards my credit if not paid, until after i submitted the notice for cancellation End of XX/XX/2024 2024
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

I was sent notice that I was eligible for a tax deferred account by my company. My account was locked and I called. They referred me to fraud department and " XXXX '' " we will never do business with you '' never gave me an explanation.
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (NJ)

On XX/XX/2020, my older brother called me to come to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ. My little brother had fell in the love with their puppies and needed help selecting and purchasing a pet. 

My brother called me because they wanted to purchase the dog and wanted to finance the payments. The store associate had pitched him on the " same as cash '' option where we could make the payments within a certain time period and avoid interest. Since my finances and credit score were more reliable, I came to help make the purchase and fell in the love with the dog myself. 
After 6 months of paying off the loan. There were still hundreds of dollars worth of interest. When I call Mariner Finance, they tell me the sales associate did not select the " same as cash '' option on her tablet and therefore the those terms are void. 

The whole reason why Mariner Finance Loan option was even considered rather than other options of payment was because of their " same as cash '' terms. This does not seem fair and I sincerely hope that this is not the way Mariner Finance or XXXXXXXX XXXX XXXX  plan to make money off of the customers who pay on time.
Consumer complaint received 2020-10-17
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. (CA)

I have been filing disputes with XXXX  for over a year regarding discrepancies and fraud on my account. XXXX  started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification. 

XXXX  has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Consumers Inc (VA)

This Debt Collection company, United Consumers ( their # is ( XXXX ) XXXX keeps calling MY new cell # that was previously assigned to someone called XXXX. They have REPEATEDLY called, and when I try to tell them this isn't her # anymore, they just talk LOUDLY OVER ME, ignore what I'm saying and KEEP CALLING, AGAIN, AGAIN and AGAIN!! This is NOT EVEN MY DEBT THAT THEY ARE HARASSING ME OVER!! 

They have called on : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX and this are just the dates and times I started keeping track of to report them. They started called me in XX/XX/ when I first got this new cell #.