davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-23
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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2021-10-23
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 — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IN)

XXXX filed for bankruptcy. XXXX received a letter that I owed estimated {$1300.00} for XXXX XXXX credit card under a different last name but with my info. Disputed it and explained that it was not my debt because I have none. I mailed back paperwork and on posted note asked for proof of debt. Didnt receive anything until months later received mail that I returned to sender. Since it was not my mail I was not going to open it. Time passed Im getting sued. Called lawyer office asked for proof of debt and was told It would be sent out. Didnt receive anything until weeks later received paperwork from sheriffs office. I mailed papers back to court And stated I would not be showing up because they sent the wrong person the wrong papers. Forward to present day, This attorneys office is trying to garnish my wages. I once again asked for proof of debt and explained to them I asked previously which they are denying I did not. I was sent a letter that still does not show proof of debt. All the information that I received was through the paperwork from the sheriffs office and never from any debt collector.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (NY)

I was informed by Americollect on XX/XX/21 that this debt was assigned to insurance and removal was requested by credit bureaus. However this was not the case, Americollect has failed to remove this from my credit report.
Consumer complaint received 2021-10-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have sent my Deletion letter from XXXX XXXX to the Credit bureaus and they refuse to take the Bankruptcy off my credit report. I sent them the letter from XXXX XXXX because they had no way of proving the Bankruptcy was valid because the courts don't verify and XXXX XXXX deleted it from their system.
Consumer complaint received 2022-08-24
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. (CO)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-02
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2022-01-01
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. (PA)

I am disputing Equifax for not reporting accurately on my credit report and not responding to my dispute in 30 days. I disputed inaccurate inquiries and erroneous accounts more than 30 days ago via mail and have not received a response back. I also provided the mailing slip receipt of the day this company received my disputes. Today is XX/XX/2022 and I still have no response. I want all the items that Ive disputed deleted ASAP, because they violated the fair credit reporting act and continue to report erroneous and in accurate information.
Consumer complaint received 2020-11-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (WA)

My car was totaled and the insurance company sent a check to pay off the remainder of the lease. Both myself and the claims adjuster verified the payoff balance and my online payment history reflects that the payment was made on XX/XX/20. Hyundai continues to bill after the payoff including an automatic payment of {$250.00} from my account. I turned off the auto payments and requested the return of my payment and that the account be closed but the request was not processed. It is now XXXX and I received a collection call on a Sunday morning. The company was not able to tell me why I was getting a collection call and then hung up on me. I called back and was told I had to call on Monday to get the issue resolved and when asked to speak to a supervisor to understand why they are not recognizing the payoff on my account, I was never put through. A collection call on a Sunday when you can not provide any customer service to resolve billing issues is unfair business practices.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TX)

XX/XX/XXXX - I visited a restaurant in XXXX, Texas. Later that evening, Iberia fraud department called and left a message about suspicious charges. I went and looked online the next day to look at the transactions and noticed that there were charges made to my account in the amount of {$160.00} that I did not authorize. I spoke with someone at Iberia bank fraud department on XX/XX/XXXX after i viewed these transactions and they said that they would put a hold on the transactions from this establishment. They said that I needed to go into my local branch and file a fraud report. I went into the local branch on XX/XX/XXXX and filed the fraud report. On XX/XX/XXXX, the transactions went through. On XX/XX/XXXX, I received a letter saying that my dispute was denied. They said that i needed to contact the business but no one answered the phone at the business and it appeared as if the business was permanently closed because i went to the restaurant at the same time on XX/XX/XXXX. I re-filed the dispute saying that I was unable to contact the business and they still denied my claim. 

The Business refuses to provide any evidence to show why it was denied. They refuse to let me speak to anyone in the fraud department. I let them know that I did not sign the reciept for those transactions, but its like they do not care.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ygrene Energy Fund Inc. (FL)

STARTED AND ATTACHED AN ASSESSMENT ON TAX BILL FOR WORK NOT APPROVED OR COMPLETED, NEVER SIGNED ANY CONTRACT AND COMPANY RECORDED CONTRACT NOT SIGNED. XXXX XXXX AND HAVE BEEN FIGHTING SINCE 2017 HAVE FILED SEVERAL COMPLAINTS WITH STATE AND COUNTY TO NO AVAIL. WAY TOO MANY FORMS TO INCLUDE. BUT ALL PAPERS FILED WITH STATE MORE THAN 3 TIMES COUNTY PERFORMED NO INSPECTIONS BUT STILL APPROVED BUILDING INSPECTIONS EVEN THOUGH PERMITS EXPIRED OVER A YEAR. AND I HAVE BEEN COMPLAINING SINCE DAY 1. ROOF HAS BEEN LEAKING ENTIRE TIME AND BLACK MOLD THROUGHOUT HOUSE SINCE JOB STARTED, PUT NEW ROOF OVER OLD ONE WITHOUT REMOVEING. HAVE NOW LOST HOUSE OVER IMPROPER ASSESSMENTS THAT I WAS UNABLE TO PAY. NEVER SHOULD HAVE BEEN PLACED IN FIRST PLACE. I HAVE NEARLY 200 PAGES TO PROVE MY CASE BUT NOONE WILL REVIEW
Consumer complaint received 2022-01-09
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. (CT)

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXXXXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter requesting Validation for XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022 I received a letter from XXXX stating that they couldn't locate my account. I then contacted my attorney who wrote a letter.to all ,3 credit bureaus advising them that the 30 day time frame had run out for XXXX to provide the requested validation without them having done so and that the account needed to be removed from my credit currently. They got copies of the letters sent and received. Instead they opened a dispute and XXXX seemed to have no problem locating my account in that instance. They are not abiding by Section 809 of the FDCPA. They did not provide validation within the time frame therefore this account must be completely.removed from my credit PER THE LAW!
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc (CO)

Venmo has my account locked. When I sent an email inquiring about this. I was sent back a response that it needs more attention from a different team and that they would get back to me in XXXX to XXXX working days. That's ridiculous. I was given absolutely no reason why it was locked, why I would have to wait so many days and why it was being transfered to a different team and from what team originally looked at it and to what team they were sending it to. Like no answers whatsoever and just wait a week and a half until we can tell you anything. I think something happened on their end and they do not want to disclose what it is.
Consumer complaint received 2021-10-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (OK)

I applied with 21st mortgage for a loan on a repossessed doublewide mobile home. They are demanding 20 % down because I am XXXX  years old. 21st 's mortgage underwriter named XXXX told XXXX XXXX at XXXX XXXX XXXX XXXX that it was because of my age. XXXX XXXX XXXX XXXX says that they have got other people with my qualifications a loan through 21st with 10 % down with no problem.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (UT)

I had an amazon card for several years now through synchrony bank. I have never missed a payment in the years I have had it. However there was an error on the XXXX bank end that caused my payments to my card to be returned. With no warning Synchrony closed my card. This cut my home and business off, it is the only card I have for online shopping. I called several times, hung up on, transferred, hung up again, on hold. Over and over. They continued to try to talk me into applying for a new card. I'm trying to buy a car for the family and I can not have my credit effected, specially by something that isn't my fault. I was told that if i provided proof that my bank was responsible that they would reopen my card in 30 days. I provided bank statments showing the errors and that XXXX returned the over draft fees. syncrony investigated to make sure my amazon card balance was correct, I didn't ask for that, I wanted my card reopened. They continued to ignore me and only focused on my balance. It has been several months and I keep getting the same generic messages saying why my card is closed but they will not help me reopen it. I find this whole process to be abusive and unethical.
Consumer complaint received 2022-09-30
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. (NY)

My credit report was checked today, XX/XX/22, and it is showing an inaccurate history of 10 late payments on my report. There should not be any late payments shown on my account. Please assist in resolving this issue
Consumer complaint received 2020-09-28
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)

Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.
Consumer complaint received 2021-10-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: We Collect Inc (WA)

Aprox 3 weeks ago I requested verification for this debt. They sent me a letter saying they dont have to verify this debt that there is no basis in law to substantiate my right to such information and there is no duty to comply with such excessive verification demands. 
This letter was sent on XX/XX/2021 for the amount of {$10000.00}. 
I dont understand why theyre trying to collect for a debt from me that they wont verify.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

I have a credit card with Discover card services and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from XXXX. All of the information is wrong I immediately called XXXX, XXXX rep told me Discover has not checked my credit and that my last inquiry was in XXXX and not from discover card. XXXX told me to call them when I called they are denying it and claim they got information from XXXX. Not sure where discover card received their information from because I have no inquiries on my XXXX report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (IN)

I entered, in good faith, into a consumer credit transaction with BMW Financial services on XX/XX/XXXX. During this transaction, I was asked for my credit card ( social security card ) pursuant to 15 USC 1602 ( l ) to fund this transaction, as under 12 USC 1431 banks are strictly borrowers, and I the consume under 15 USC 1602 ( f ) am the original creditor. I was told in an unlawful adverse action letter that due to their internal standards I had been denied credit. Under 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) internal standards are not sufficient to deny me of my right. The ECOA strictly prohibits the type of adverse action that can be taken under 15 USC 1691c, and mentions nothing about internal standards, low income, too few accounts or how long I have had my credit. BMW Financial services unlawfully discriminated against me, as under the ECOA they can not discriminate against an applicant who has applied in good faith, or exercised any rights in good faith. This constitutes as unauthorized use of my credit card under 15 USC 1602 ( p ) and i wish to be compensated for my damages by either granting me my extension of credit to purchase the XXXXXXXX XXXX that I applied for, or a car of like grade and quality. Under 15 USC 1611, 1691, and 1691e they can be held labially civilly and criminally for breaking the law and discriminating against me the consumer and applicant. I will also be mailing off my concern to the proper department at BMW Financial services, I have attached a copy that will be going out on XX/XX/XXXX and should arrive 5 days after.
Consumer complaint received 2020-11-08
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 noticed 2 hard inquiries on my credit report that I did not authorize. First inquiry is from XXXX XX/XX/XXXX. Second inquiry is from Credit plus XX/XX/XXXX.
Consumer complaint received 2021-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

I have been successful in removing some accounts from SCA collections off of my credit report due to HIPPA violations but other accounts remain from the same creditor. XX/XX/XXXX an account was removed due to HIPPA violations but recently other accounts have been updated. 

The information is very inconsistent and unreliable. This is causing adverse effects to me obtaining credit. The same account number shows as deleted and then it also shows as updated on the same report.
Consumer complaint received 2021-10-22
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)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-06-10
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 submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.