davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB (CA)

Hi, 3-4 years ago I had a credit card with State Farm and I recently checked my credit score and I saw something negative report on it from them. I called State Farm on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Millco Management (NY)

I have made disputes to XXXX  to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see  this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher.  Sadly, they responded to XXXX by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In reference to the accounts listed by Equifax. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2021 I requested a credit line increase for my XXXX XXXX XXXX card. The system did a hard inquiry on my credit without my consent. 

If I knew that XXXX XXXX would do a hard inquiry, I would not have requested a credit line increase. I have worked with XXXX and XXXX XXXX for credit line increase. They clearly communicated to me regarding what type of inquiries they will do before they approved my credit line increase request. In case of XXXX XXXX XXXX card, the website asked me to enter an amount for my credit line increase request and when I pressed next button, it automatically did a hard inquiry without my consent. It was a surprise to me and my wife. 

I tried to work with their customer service several times but they were not helpful and said they can not do anything to help me. I am a first time homebuyer and I can not afford to have this hard inquiry on my credit report. I did not consent to this inquiry.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

{$220.00} is an amount that Procollect Inc. has been trying to collect from me for the past 2 years. I disregarded it at first but this year I found that this debt is fraudulent and filed a credit dispute. This amount was removed from my credit on XX/XX/2021 by XXXX. Since that resolution procollect inc. has contacted me via phone daily with voicemails and via mail on a monthly basis. 

Per my conversations with XXXX  this company should have me removed from their records and collections tactics. When I spoke with procollect inc. I was verbally pushed around and told that I still owe the debt no matter what the credit bureau 's say. While trying to explain this situation and ask to have all communications ceased from them I was disconnected from the call. My " account manager '' mrs. XXXX at phone # : XXXX ext.XXXX was the one who disconnected our call while trying to fix this issue and she said, " sir if you're not going to make a payment I'm going to hang up on you. You still owe this amount. This will not be removed from our system and you will still receive calls and voicemails going forward and we are notating your account as failure to pay '' then she hung up on me while I was still talking to her. 
Procollect inc is not willing to abide by credit law and they are not accepting my Cease and desist request via phone. They continue to harass me for a debt I have been cleared of. 

Please help me!!!
Consumer complaint received 2020-10-05
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 — Problem with personal statement of dispute
Company: LOBEL FINANCIAL CORPORATION (CA)

I called Lobel Finianical and ask them to help me with my payments for XXXX and XXXX due to this pandemic. I was told they were working with clients and that i could pay {$270.00} ( monthly payment of {$360.00} ) and i would be good. I did the same for XXXX and XXXX then i was told i was repossession status and force to pay {$1500.00} to remove the account from repossession. This was wrong on all counts. 

Why would they tell me they can help me and take my payment of {$270.00} then turn around and put me in repo status. If they arent going to do what the say and this is clearly their fault why i should be punish for their mistakes.
Consumer complaint received 2021-09-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I recently received a response from your company. In regards to my original dispute. In where your company has responded that the account was verified. I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous XXXX correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers. 
Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.
Consumer complaint received 2021-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX calls me extremely frequently dispite me requesting them call me outside of work hours. I gave them specific days and times to discuss matters with me but still they call. They call me on Sundays, they also call me Saturdays and past XXXX. They use fake phone numbers to contact me with local phone numbers so I mistake them for my clients while I am at work. I have asked them numerous times to not contact me via phone on weekends, yet they still do. I requested they only contact me via writing, they do not. It is harassment at this point.
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (IL)

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX please delete it 2. The following account is not mine : XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2019-05-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2019, my car was totaled in an accident. The insurance company paid the balance of the value of the car around {$7000.00} In XX/XX/2019, I contacted XXXX XXXX XXXX  to file a claim under Gap coverage to pay off the balance of what my insurance would not cover. 

Constantly called Ally Financial the lien holder for several weeks. Recently, I called and asked did XXXX XXXX pay off the remaining balance of the car. They would not give me any information. I informed that I tried to access my Ally Financial account online and it says that my account was closed. I recently learned from my credit report that XXXX XXXX did not pay off the full balance that was covered under the Gap insurance and Ally is billing me about {$2700.00} to pay this debt without letting me know it existed before they put it on my credit report as a balance owed. They never explained to me why or how they derived at this figure. Neither company could explain where this figure comes from and why am I obligated to pay it at {$410.00} a month. I no longer own the car, it was signed over to my insurance company back in XXXX.
Consumer complaint received 2021-09-17
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: I.C. System, Inc. (UT)

I C Systems has negatively reported {$2600.00} on my credit reports showing this as a new delinquent account. The original creditor is XXXX. I do not recognize the debt but even if the debt were mine, I've been with my current cell phone provider for over 2 years which means the cell phone debt is past the 2 year statute of limitations. At the very most, this debt ( if mine ) should be at least 2 years old on my credit reports. IC Systems just reported it negatively again ( XX/XX/2021 ). They show the account was opened in XX/XX/2021 but I didn't open an account with them. I've asked them to provide me with information on the debt ( once by phone, twice in writing ) and their response was " how are paying this debt today '' and then a letter telling me to get an attorney or something. ( Will try to find letter ). If the debt from XXXX is valid, it is over 2 years old and should be reported as such on my credit report.
Consumer complaint received 2022-08-03
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. (MD)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}.
Consumer complaint received 2021-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (CA)

In XXXX of 2021 I reached out to make a payment towards the principal of my loan. I paid {$10000.00} and there was still a high amount of interest taken from the payment. Today XX/XX/2021 I logged in to my account to make a payment towards the principal and I don't have the option to do that. The web portal only allows me to make a payment in full. I started a chat with a rep who stated I could make my payment and then make another payment in the exact amount ( in full ) and she thought that would go to principal. I told her I was not wanting to make another payment in full but just an additional amount of {$500.00} to go towards the principal of my loan. She said their web site does not provide that option to those clients who make payments manually but that their ( auto pay ) clients have the option to pay extra like that online. That I would have to mail a check that would need to be received within a certain timeframe for it to work for me. I told them I should have the same option to make extra payments to the principal of my loan regardless of how I was set up to make my payments. It's harder for me to pay my loan down than it is for someone else because I pay manually online. I told the rep it felt like I was being punished for the way I was making my payments. I was informed the rep would send my request to the production team. It doesn't seem right
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: STERLING BANCORP (NY)

have a checking acct with them for over 12 years. can not sign on all of a sudden. Nobody to help. Hold times are over XXXX hour. Local branch never returns calls or messages. Want my small balance of XXXX mailed to me via check. Customer service is not available. Want them to close acct now and send check. Cant access my acct to even get acct #. Spoke to lacal branch last week and rep said they would send a link to update sign on, never got it.
Consumer complaint received 2022-12-23
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: SUNRISE CREDIT SERVICES, INC (TX)

I am a consumer, and I am fully aware that Sunrise Credit Service has violated my protected rights by furnishing an inaccurate account to Consumer Reporting Agencies without my explicit consent. As of XX/XX/2022 Sunrise Credit Service began furnishing that I allegedly owe Sunrise Credit Service {$1400.00} which dropped my credit score by XXXX points. I have never provided Sunrise Credit Service with any written instructions to furnish anything on my behalf, share my non public personal information, nor have I ever received any initial communication from Sunrise Credit Service which covers the requirements of 15 USC 1692g. As a result of Sunrise Credit Service trespassing upon my protected rights, I have been significantly damaged as my character has been defamed and my credit score has decreased which is causing me loss of sleep, XXXX stress, and XXXX XXXX!
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

I have a debt listed on both my XXXX and XXXX credit report that isnt mine. Over 30 Days ago I disputed this information and they have not supplied any information. 

Ive never gone into contract with this company and Im not familiar with the original creditor.
Consumer complaint received 2021-09-25
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: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX, when I opened my statement period XX/XX/XXXX to XX/XX/XXXX I was upset to find 2 bills amounting {$1000.00} and another amount of {$1000.00} descriptions XXXX XXXX and XXXX XXXX with telephone no XXXX. Money taken from my credit card.Barclay/XXXX XXXX MasterCard . First thing I did is to call my bank and inquired such transactions. My bank said not to worry they will reversed the entry on my statement while they are investigating and at the same time called XXXX XXXX to inquired with such transactions. XXXX XXXX just said the money was taken in cash. That is all XXXX XXXX told me. I feel reluctant when Barclay/XXXX XXXX said not to worry. But then my statement from XX/XX/XXXX to XX/XX/XXXX I was rebill back by my credit company Barclay/XXXX XXXX MasterCard I insisted to them I did not make that transactions and I am not willing to pay. The Fraud Department Barclay/ XXXX credit department told me to go to police station and file an incident report and then submit the report to XXXX XXXX XXXX I did followed the bank advices. When I got the incident report from the police stations I called XXXX XXXX asked their fraud Department address but their respond to me is that from police station the police must call us directly to discuss the issue. UNFORTUNATELY the police officer said, we DONOT work that way. Just send the hard copy to XXXX XXXX. I called XXXX XXXX but will not accept hard copy report and the fraud Department have said the transaction was authorized by XXXX to pay the 2 {$1000.00} transactions. Today I mailed a hard copy of incident report to XXXX in a registered manner.XXXX  XXXX case no. XXXX
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

I was supposed to get XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told this office helped XXXX XXXX with community care service.The day I went there XX/XX/2022 I was put under anesthesia a temporary loss of control for medical purpose.I was told to sign a paper for the work to be completed so I signed not knowing this was a credit care application for credit until I received a bill in the mail telling me I owed {$15000.00} I was very upset.I did not go back to this dentist and I contacted care credit/synchrony bank in XXXX, XXXX. to complain and try to explain to them about what had happened.