davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 12 XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 302 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (SC)

On XX/XX/2018 I purchased a {$200.00} giftcard issued by US Bank and the card is not working - it's getting declined when trying to use it. I have contacted US Bank about the issue and was told to fax the copy of the giftcard from the front and back, the receipt from the store ( XXXX XXXX ), my info ( name, phone number, address, copy of my drivers license ). I did fax everything that was requested. 

On XX/XX/2018 I have called AGAIN ( because the giftcard is not working yet XXXX and asked for information when the card will be working and received no response. I was told that they " don't know ''. 

This is absolutely not acceptable! The giftcard was paid in full more than 48 hours ago and the giftcard issuer doesn't know when I could use the card??
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

On XX/XX/22 XXXX alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX again from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to XXXX to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. XXXX says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now. 
I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!
Consumer complaint received 2018-08-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

For the last 2 years I worked with my mother, XXXX XXXX XXXX to move all of her assets into her trust. We were able to accomplish this task mostly without pain except for her US Bank accounts. 
Even though we went together several times, bringing all the required ID and documents, we could only get 1/2 of her accounts into the trust and that was only after her trust attorney intervened, called the bank and gave me an affidavit. 
My mother died on XX/XX/2018. I am her executor and trustee. I was able to get checks for the CDs that were in her trust, however I am getting the run around again for 2 IRA CDs which they claim they can only access through their IRA dept. Again, I gave them the documentation including the death certificate, the will naming me as executor and the trust naming me as the trustee. I was at the bank on XX/XX/18 and was told I would hear something the next day. I didn't get a call on XXXX., so I called for an update. I didn't get a call back but rather a vaguely worded email stating that since the bank that issued the original CDs was an acquisition they would need to get the 'green light ' to disclose the beneficiary information to the banker. I responded asking for an ETA but never heard back. 
If the CDs have a beneficiary, I need to know that so 1 ) we know whether we need to go to probate court because we'll be over the limit if there is no named beneficiary and 2 ) I can tell whoever is the beneficiary to collect and cash in the CD in order to execute the will. 
I will be leaving town for a month beginning XXXX XXXX and would like to resolve this issue before I leave. 
The people I was dealing with at the XXXX IL branch of the US Bank are XXXX XXXX ( XXXX branch manager ) and XXXX from the XXXX Bank. 

Thank you. 
XXXX XXXX XXXX TTEE for XXXX XXXX XXXX Trust
Consumer complaint received 2018-08-25
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. (CA)

I have disputed an error for an account that I had with XXXX XXXX credit card with equifax, XXXX & XXXX. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.
Consumer complaint received 2022-04-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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. 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 Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding (FL)

I received the payment stub in the amount of {$1000.00} without any explanation, without having received any communication about it. My monthly payment is {$780.00}. I have never been late in payment. And they know that I pay the mortgage with my social security and they know the amount that I receive. The amount of the collection is much more than my monthly income. And I was always informed that the payment would be lower annually. They never said it would go up. My monthly payment is : Principal {$180.00} + Interest {$430.00} + Escrow ( Taxes + Insurance ) {$160.00} = {$780.00}. The receipt received is : Principal {$180.00} + Interest {$430.00} + Escrow {$400.00}. I can not pay more than {$800.00} per month. I sent him an email, since they do not answer the phone, demanding an explanation and the only thing they answered is that in their records there is no authorization from me to answer the emails. 
XXXX XXXX// Southwest Stage Funding. Loan : # XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Revenue Corporation (TX)

I set up a payment plan with the company and paid on it on XX/XX/2022 and I am receiving phone calls again regarding the same debt. The gentleman on the phone said I owed the full amount and I asked if this was the same amount that I had a payment plan on and he said he wouldn't have it if it was and then researched it in the system to find out if I had a payment plan on it and discovered I did. Why would I continue to have phone calls about a debt if it is being paid on. This is harassment since I have already agreed to pay the debt.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-01
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. (VA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I dont know where this debt came from never got a call or letter in the mail. It just popped up on my credit report. I sent a letter stating that I looked their license up to verify if they could collect a debt in Illinois and they couldnt do it so it needed to be removed immediately. Nothing happened
Consumer complaint received 2022-08-01
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. (MI)

An accordance with the fair credit reporting act XXXX account number 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 consent.
Consumer complaint received 2021-06-24
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: CITIBANK, N.A. (NH)

On XX/XX/2021 my CitiBank credit card was used for a fraudulent {$1200.00} charge which Citi alerted me about, canceled my card, and said I would not be held responsible. After over 1 month and 4 phone calls to Citi the charge is still on my card and my account lists it as being settled and that I am being held responsible for the charges. This is despite the fact that every time I call the operator tells me that according to their system the merchant already refunded the {$1200.00} to my account, it just isn't showing up for an " unknown reason ''. I have called 4 times and have been told this every time, I've also been told it will be resolved in 4-7 days every time I have called ( which it has not ), I've been told it will be correct on my statement at the end of that billing period ( which is was not ), and 3 of the 4 times I've been told someone else has to look at it and I'm transferred to a phone number that hangs up after 2 rings. 

At this point Citi has made it clear that while they have recovered the {$1200.00} they are making no effort to refund it to my account, which sure seems to be some form of fraud or theft.
Consumer complaint received 2018-08-25
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. (MA)

I submitted disputes on XX/XX/18, XX/XX/18, and XX/XX/18 to 2 credit reporting agencies asking them to correct a student loan account that I have at XXXX XXXX XXXX that they both erroneously list as discharged through Chapter XXXX bankruptcy. I also called twice and was told to send supporting paperwork along with a cover letter indicating what I would like done to correct the error, which I did both times. 

The school loan account was NOT discharged in bankruptcy, and I currently pay on it each month. My payments have never been late. I twice submitted the court documents that prove that this account was not included in the bankruptcy, and I submitted a current school loan statement indicating my current balance due. I received a response from both credit reporting agencies that confirms the information they have on file despite the paperwork I submitted proving that they have it listed incorrectly.
Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (MO)

This company ( AR RESOURCES INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX credit reporting agencies. I  requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX - they are reporting under two names with incorrect information on my XXXX, XXXX  & Equifax report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my Equifax report and on my XXXX report I see a company by the name of XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & XXXX received my request on XX/XX/2018 my current file number : XXXX.
Consumer complaint received 2022-10-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (GA)

see FTC report # XXXX this account first reported on my credit report in XX/XX/2022. i requested Exeter provide me with the alleged contract with the " terms '' they stated I agreed to. They never provided me with this alleged contract which is proof of fraud/identity theft because i never signed a contract with them. They are invading my privacy, harassing me, threatening to STEAL my property & it does not belong to them nor have i given them any security interest. They have never loaned me anything. I have never agreed to anything with them & they have failed to provide any proof. I am demanding a cease & desist of all illegal activity. If they can't provide me sufficient documentary evidence that i have any legal obligation to pay them or to seize my property & Exeter continues their efforts, I will file for litigation for actual damages caused & they will be held criminally liable. Your prompt attention & response are both requested & required.
Consumer complaint received 2022-10-24
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA (FL)

Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. XXXX XXXXXXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



Thank you so much!
Consumer complaint received 2018-08-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

I have been disputing the accounts with AES -- AES/XXXX ( original : {$14000.00}, balance : {$22000.00} ) and AES/XXXX XXXX ( original : {$14000.00} ; which apparently transferred to AES/XXXX   -- was never informed of this either, if so, then PROOF PLEASE ). I've been disputing for the past few months because I have been monitoring my reports and having accounts validated. After some time, AES sent me a promissory note that was not even originally sent to them ; it was not for them at all. I asked for validation that included original documentation bearing my signature and that shows a clear contractual agreement with the company/companies reporting on my credit files. The promissory note sent to me absolutely does not -- because again, as you will see from my attachments, the note was not even addressed to them for payback at all. I am filing separate complaints against the bureaus for constantly coming back with results claiming truly unverified, invalidated accounts are " verified '', " verified as accurate '', and " validated '', basically taking these companies ' word for it -- NOT that there is actual proof, which is required under the FCRA and FDCPA. They are essentially violating law, which is one of the reasons for my complaints. In addition to the promissory, I have included one redacted letter sent to XXXX  as an example to them of what I've been requesting from each of the major bureaus ; it is the final letter I sent to XXXX and displays the seriousness of this matter.
Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

In XXXX of 2018, I filed a dispute with XXXX about XXXX XXXX XXXX, to either verify the alleged debt owed, or remove it from my credit report, which they have made no attempt to verify the debt, as pursuiant to the Fair Debt Collection Practices Act, and as such, from my understanding, it is to be removed from my credit report.
Consumer complaint received 2022-10-24
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. (CA)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (IL)

I opened my mail on Wednesday, XX/XX/XXXX. I was sent a letter from Discover saying I was pre-approved for a loan for debt consolidation. I went to XXXX and filled out the form. I was then directed to call XXXX to speak to a representative to verify some information. I called the number, as directed, and it states it is the discover personal loans department. I was on the phone with a lady who asked questions to confirm my identity - Name, date of birth, phone number, current address and social security number. I gave all of the needed information. She then asked why I wanted to consolidate my debt and what accounts I wanted to transfer the funds to. She then explained that I was approved and informed me that they are able to transfer the funds to the accounts I wanted. She was very persistent with that being the best option. I said that I wanted to have it deposited into my checking account and that I would distribute it as necessary. She then told me I was not approved and that they would send me a letter in the mail explaining why. I thought it was very odd since I was already pre-approved and she said I was approved initially. I was frustrated but thought nothing of it. Friday, XX/XX/XXXX, Discover e-mailed me about getting started on my Personal Load. I was confused that I received an e-mail from them when I had previously filled out the SAME form and was told to call and then denied. I chose the option to chat with a representative. I explained the situation and the kind lady began looking for my application. She verified who I was and informed me that she found no records of me applying. She asked me what number I called and then told me that it was not a valid Discover number. At that point I googled the number XXXX and saw that someone noted it was a scam number.
Consumer complaint received 2022-08-01
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. (MD)

In accordance with the XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.