davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (MO)

Nationwide Recovery System is inaccurately Reporting medical bill information on my credit reports my medical information has illigally been shared with this third party debt collectors I never gave any consent for my health information to be shared with a third party debt collection agency and when received care all my documents I signed stated that my information in no way will be share with a third party this is a Violation of the Fair Credit Reporting Act and also a Violation of HIPPA. the medical bill that is being reported on XXXX reports was paid my medicare insurance and also I had no agreement no signed contract or nor I received any service from a Nationwide Recovery System this company is operating illegally and this account is involved in litigation for negligence and a lawsuit for punitive damages.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

I purchased about {$7000.00} of a  ppliances from hhgregg 's in 2015 and they recommended that I use their 24 months no interest plan to payoff the purchase if I signed up for the payment plan with Synchrony Bank, their credit arm. I said fine although I was able and willing to pay for the purchaser in its entirety at the time.
I signed some papers to set up the arrangement. I trusted the sales person that the payment plan would be set up as promised.
Following the purchase I received an bill from Synchrony bank for the purchase and I set up direct payment against my checking account assuming that the payments would come out of the account as promised.
To make the story short, they only took out the minimum required payment and two years later they have now charged me over {$4000.00} in deferred interest charges at 30 % rate! My payoff balance was less than {$3000.00}. I called the bank to pay off the balance but they said I owed the  m not only the balance but the deferred interest. This is truly a fraud.     I am intent to take them on and have hired a lawyer. I think this is a class action suit.     Meanwhile hhgregg 's is out of business ...
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NV)

Navy Federal Credit Union violated my rights Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report. 

I demand to see verifiable and valid proof of documents an original, authentic, genuine Consumer contract, evidence, obligation, pledge, promise, record with my Signature on it you have on file, record of the accounts listed below. Your failure or, nonperformance to verify or, authenticate these accounts has damaged my ability to obtain or, secure credit. Under the FCRA, unverified, or unproven accounts must be removed, expunged and if you are unable to provide me a copy of verifiable, valid proof, you must remove, the accounts listed below. I demand the accounts be verified, documented, and substantiated or removed, expunged immediately. 

RE : Navy Federal Credit Union XXXX XXXX Credit Card XXXX - Acct : # XXXX. Amount {$8900.00} In Pursuant to Title 15, Section 1666 of United States Code. This debt must be validated. Per FTC, CFPB, FCRA, and the Attorney General mail in a fraudulent or deceitful account or report.
Consumer complaint received 2021-08-03
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: Credit Plus Inc (PA)

I have these items that are not mine and i want them to be removed form my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2018-10-22
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove XXXX XXXX   XXXX  XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2018-10-22
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. (CA)

Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, XXXX XXXX
Consumer complaint received 2017-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK (LA)

Using the   XXXX   XXXX   app on my phone the bank will not send over info for my account like they should. They update every few days instead of a few times a day so everything is always behind rather than up to date like it should be.
Consumer complaint received 2022-12-20
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: Century Credit & Collections, LLC (GA)

On XXXX 2022 I had spoke with my credit bureau and they explained that it was a hard inquire from XXXX XXXXXXXX on my credit report from XXXX. I contacted XXXX XXXXXXXX on XX/XX/2022 to resolve the issue and also explained that I do see the inquiry. They keep telling me theres nothing in they system but yet its on my credit report and its affecting me.
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (MI)

The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a XXXX balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by XXXX. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section 4021 of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with XXXX, Equifax, or XXXX and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (FL)

I received a prepaid debit card from Brinks that I did not ask for or order, I do received SS benefits from the passing of my father and I thought maybe social security had sent this to me. I called to activate the card and had a representative on the line that took my information and then asked me to confirm my identity by emailing them a copy of my ID and social security card. As far as I know you do n't email your social security card to anyone or any company., unless you are at the site and using if for a job or getting an actual bank account.     I am placing this complaint as they do have my ss number and my name and DOB, and my address.     So far I have had nothing taken from my account that I can tell, and I just want to make this aware as looks like another scam to steal peoples identity.
Consumer complaint received 2017-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Equifax ha s disabled the ir online dispute system and provided a phone number to call in its place that is only for ordering a credit report.
Consumer complaint received 2018-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (NV)

HYUNDAI MOTOR FINANCE WAS ASKED TO PROVIDE TE ORIGINAL CREDIT APPLICATION FOR FINANCING TO SHOW THE DEALERSHIP XXXX XXXX EDITED OR ALTERED THE MONTHLY INCOME. IF NOT GIVEN WE WILL GET A ATTTORNEY TO SUPENOA THE RECORDS. WE NEED THE ORIGINAL CREDIT APPLICATION SUBMITTED BY THE DEALERSHP AND WHEN T IS VERIFIED WE ARE ASKING XXXX XXXX TO REMOVE FROM CREDIT REPORT. XXXX XXXX INCOME MONTHLY WAS NOT ENOUGH TO FINANCE FOR A BRAND NEW 2017. THE DEALERSHIP FALSIFIED THE REPORTS AND WE ARE ASKIG FOR THAT ORIGINAL CREDIT APPLICATION FROM HYUNDAI MOTOR FINANCE
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CO)

My claim concerns Jefferson Capital Systems ( debt buyer ) attempting to collect on an account which is disputed by myself under general principles as outlined in the FCRA. 
I have disputed this account with XXXX, XXXX and XXXX, and the company stamps the dispute as having been deemed accurate days later, with no proof whatsoever, no investigation, no documents, nothing but the false statement that they have met the guidelines for accuracy in disputing as presented in the Fair Debt Collection Practices Act. 

Jefferson Capital Systems has violated my rights in this regard, and I wish for this agency to intervene and mediate this matter, make this complaint public so that others may learn from it and so that it becomes part of the public record against Jefferson Capital Systems violation of consumer rights. 

I authorize this agency to review all my credit bureaus, to verify the claims outlined, where multiple disputes have been presented, including date and time, and when they have been returned as accurate ( date and time ) without the requested information. 

Also, since I dispute this as not mine, I ask that this agency mediate the matter of mandating an investigation and removal of this error collection, so far as it is able under the law.
Consumer complaint received 2022-07-21
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)

Under law 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report.

15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Finance Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

For years my student loan payments were on automatic draft from my bank account. Suddenly they were n't able to draft the money eventhough none of my information changed. I contacted them to see if maybe a digit was off, I aslo went in to my bank where I was informed there had been no attempts to draft any funds from my account. After going through this for several months and late fees and NSF fees that were never returned I changed the method of payment. Still my phone continued to ring month after month and my co-borrower was being contacted eventhough the payments had been made up-to-date. To make matters worse they also charge to make a payment over the phone which after much complaining from me was waived.     Company : Navient/ XXXX   XXXX
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM the also have records of file the are wrong.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with INNOVIS, XXXX XXXX, XXXX the also have records of file the are wrong.
Consumer complaint received 2021-06-03
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. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act the following companies has violated my rights XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions.
Consumer complaint received 2018-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to buy a new car and our credit was ran several times buy the Car lot telling us they would only run it once! If you will see in XX/XX/2017 there are excessive car loan inquiries as well as banks. They didnt care what they did to me as hard inquiries!! Just trying to get a bank to buy the deal. This should be against the law. I want them removed! Its up to almost 38! Its unreal that they can get away with this. Please help!!
Consumer complaint received 2018-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OH)

I opened a Citi Checking & Savings account using their promotional offer where I needed to deposit {$15000.00} in Checking & Savings account and keep the money for 60 days. They were supposed to then process the bonus and pay me {$400.00} within the 90 days. However, a while back I received an email from them saying that I did not qualify for the offer when I never took a single penny out of my account. I still have {$15000.00} in the account since the day I opened the account. I have tried to contact them several times but their staff is very robotic and says the same thing over and over again instead of looking into the issue. They opened a case for me and it has been over two weeks but I have not heard anything back from them. Please help me so I can get my {$400.00} from them that they would not give me as promised. Very disappointing experience with them. Terrible customer service. 
https : //banking.citi.com/cbol/18/checking/400/default.htm? BT_TX=1 & ProspectID=E550C0FED0F6464BB8C1799FCD23A72D " Dear XXXX, Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( `` Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offers required activities for the following reason : The required deposit balances were not maintained during the offer period ''
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act the following companies has violated my rights XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions.
Consumer complaint received 2022-07-23
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. (IL)

I NEVER disputed the referenced accounts listed below. These items were wrongfully deleted from the credit file. Those positive accounts are being reported by my creditors and you should be reporting the positive accurate information. 

Credit bureaus must report all account history accurately under the FCRA. 

In accordance with the requirements of the Fair Credit Reporting Act FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am hereby requesting your complete compliance with all of the provisions. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply by providing the requested information within the 30 days allowed. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately adding these listings back to my credit report. 

XXXX XXXX XXXX XXXX XXXX, Acct. No # XXXX XXXX Credit Card, Acct. No # XXXX XXXX XXXX Acct. No # XXXX XXXX XXXX, Acct. No # XXXX XXXX XXXX, Acct. No # XXXX