davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bankers Auto Acceptance (CA)

COVID-19 FEDERAL HARDSHIP EXEMPTIONS/ TRUMP FRESH START DEBT CONSOLIDATION/ NEWEST PANDEMIC ACT : ( CARES ), ( PPP ), ( PUA ), ( FPUC ), ( PAC ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXPEDITED GOOD FAITH DISPUTE LETTER TO : TIME FINANCE COMPANY SETTLEMENT IN BEST INTEREST TO : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STOLEN AUTO & THEFT INCIDENT TIME FINANCE acted in bad-faith. 
XXXX XXXX Proof of Full-Coverage Claim filed timely with insurance. 
Claim wrongfully rejected. 
Report filed by Sheriff Dept. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TOTAL-LOSS TOTAL-PAY-OFF : Tax 1099C Cancelled Debt {$11000.00} Auto Loan Balance. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VEHICLE INFORMATION Policy # : XXXX Claims # : XXXX Loan # : XXXX Auto : XXXX XXXX XXXX XXXX. Plate # : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CODE OF ETHICS/ SUFFICE CASE-LAW SETTLEMENT BEST INTEREST TO : XXXX XXXX XXXX XXXX, CIVIL REMEDY, CIVIL DEFENSE 663. TORT ACTIONS AND CONTRACT LAWS 663-15.5 RELEASE GOOD FAITH SETTLEMENT ( 1 ) SPECIAL PROCEEDINGS ( 2 ) REDUCE OR DISMISSAL amount paid or whichever is greater ( 3 ) DISCHARGE DEMAND to party to whom it is given liability https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BREACH OF CONTRACT/ SUFFICE CASE-LAW SETTLEMENT BEST INTEREST TO : XXXX XXXX AUTO LIEN SALE , AUCTION, CANCEL DEBT OPTION REFUND CREDIT- amount of unearned portion of finance charge SECT. XXXX extended, deferred, or refinanced, as. 
REFUND CREDIT- credit in cash or credit buyer obligated contract. 
1 : ( A ) CASH PRICE debt cancellation agreement option.

( D ) FOR THEFT DETERRENT SECT. XXXX BUYER CREDITED against the evidence by contract SECT. 5604 VEHICLE CODE Full-Coverage for Loss or Damages. XXXX : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BYLAW XXXX MUST ACCEPT TOTAL AMOUNT POLICY LIMIT PAY-OFF DEMAND. 
( Johnson v. California State Auto Assn. ( 1975 ) 15 Cal.3d 9 ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BYLAW XXXX FULLY-LIABLE TOTAL AMOUNT POLICY LIMIT PAY-OFF DEMAND. 
( Miller v. Elite Ins. Co. ( 1980 ) 100 Cal.App.3d 739, 756 ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BANKRUPTCY CODE SECTION : 7, 11, 12, 13. 
https : //www.courts.ca.gov/1067.htm? rdeLocaleAttr=en -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISPUTE CODE SECTION : 609, 611, 613.

www.courts.ca.gov/documents/adrreport.p
df -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRIVACY LAWS : ( FCRA ), ( CCPA ), ( CPPA ). 
www.courts.ca.gov/documents/SP11-15.pdf RESPECTIVELY.
Consumer complaint received 2022-08-23
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: Resurgent Capital Services L.P. (FL)

I XXXX XXXX has been going through a financial hardship and has been violated by LVNV FUNDING LLC, LVNV FUNDING LLC is reporting to consumer reporting agencies about an alleged debt, and calling family members about debt. Pursuant to 15 usc 1692 ( b ), Title 15 usc 1666 ( h ) XXXX XXXX- {$720.00}
Consumer complaint received 2021-10-08
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)

My Good Standing credit card account ending in XXXX has yet to reflect as reinserted with the Equifax Credit Reporting Agency ( CRA ). The Equifax company is intentionally leaving out a good standing account. In a previous response from XXXX XXXX, dated XX/XX/2021 they stated a request was submitted to the Equifax CRA to reinsert this account on XX/XX/2021. I have enclosed a copy of XXXX XXXX 's previous response. The request to Equifax asked them to reinsert the tradeline for account account ending in XXXX. The confirmation number for this request is XXXX. This tradeline continues to be missing from my Equifax credit report.
Consumer complaint received 2022-04-11
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. (NJ)

In accordance with the Fair Credit Reporting act Convergent Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and 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 The credit bureaus have failed to follow the law and have constantly ignored my requests to delete and remove these accounts from my credit report.
Consumer complaint received 2022-06-26
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. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (ID)

Around XX/XX/XXXX I attempted to close my credit account with Wells Fargo. 

Believing the account closed, I securely disposed of my card. 

Around XX/XX/XXXX my closed card was charged from a streaming service that was authorized to make a charge by me in the previous year. This charge was {$59.00}. I had not taken steps to stop this transaction because I believed the credit card to be inactive and unable to be charged. 

Upon calling Wells Fargo around XX/XX/XXXX, I was informed the account was not closed and I ended up asking the account to be closed again. They said the charge was going to be disputed with the streaming service merchant. They " closed '' the account. 

On XX/XX/XXXX I was informed that I needed to affirm my " new credit card '' from Wells Fargo. Upon inspecting the web portal it became apparent that Wells Fargo had issued me a new card, without any authorization from myself, for my " closed account. '' On XX/XX/XXXX I called Wells Fargo a third time. They informed me the account was still not closed and were surprised to hear I had not requested another card. I asked them if the account was closed. They said no. I had them " close '' the account once more. To my knowledge the {$59.00} is still being disputed.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.
Consumer complaint received 2022-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, i initiated a transaction via XXXX of {XXXX to a recipient through my Citibank checking account. The {XXXX} was debited on the date of the transaction and on XX/XX/XXXX ; the {XXXX} was credited to my account due to my failure to complete the transaction on XX/XX/XXXX ( I forgot to put in the verification code the bank sent me ). 
On that same date XX/XX/XXXX ; once in receipt of the {XXXX}. XXXX in my account ; I initiated a new transaction in the amount of {XXXX} to the same recipient. Immediately following my transaction, the bank activated the previous aborted transaction of {XXXX} and sent it to the same recipient even though it was my request nor authorized by me. Since I didnt have {XXXX}. XXXX in my checking account, the bank withdrew the {XXXX} from my line of credit. 
When I contacted the bank, I was told that they already sent two transactions totaling {XXXX} to the recipient and it was my responsibility to call the recipient to get my {XXXX} refunded. It explained to the bank or rep of the bank that first the error wasnt mine to fix and secondly, I couldnt get hold of the recipient. Still the bank refused to credit my account and I refused to pay for the {XXXX}. XXXX which eventually went on my credit report. 
I have a 100 % payment history with Citibank prior to this incident and a credit score of above 750 ; this negative report is damaging to my XXXX XXXX nevertheless I refused to pay for any money that I didnt authorized. 
More forward to XX/XX/XXXX I received a letter from Citibank that the recipient didnt received the {XXXX}. XXXX and I was to get a check which I received a week after. I contacted Citibank to have the negative report removed from my credit history and was informed in writing that date if the transaction / claim was outside their scope of the time to investigate therefore they cant honored my request. 
I am kindly asking for assistance to have the negative report remove from my credit history.
Consumer complaint received 2022-08-22
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. (AL)

A XXXX account is reporting on XXXX credit report that is not mine. I disputed it twice but it still hasnt fallen off. I disputed it online and mailed 2 letters to the dispute center but it still appears on my credit report.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

Im concerned about unfair interest terms on my Citibank credit cards, and I would suppose this would apply to other banks as well. 

I usually pay off my monthly balance, which is typically a few thousand dollars. A few weeks back, I accidentally missed paying the full amount by about {$1.00}. Citibank charged me {$55.00} interest on that {$1.00}. These are not exact numbers but they are very close and will certainly illustrate my point.

I called the bank about this to find that their policy is to charge interest on the FULL monthly balance when a partial payment is made. The rep explained to me that if I have a monthly statement balance of {$5000.00} and I make an on time payment of {$4900.00}, that I would be charged interest ON THE ENTIRE {$5000.00}.

How can this be right? Legal or not, this is clearly taking unfair advantage of the consumer. Common sense says this should be changed. Id like to hear your thoughts on this.

Thanks
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (RI)

The balance on this account was supposed to be cancelled because the couch they sold me and charged to this account fell apart. They refused to honor the warranty they also charged me for. The couch was not fit for the purpose for which it was sold. The XXXX XXXX would not even take it because they would not be able to fix it so I had to pay {$300.00} to have it taken away. 

Nevertheless, XXXX XXXX has refused to credit back the account. They have also refused to stop taking payments out of my checking account. 

In sum, XXXX XXXX sold me a faulty product and a warranty on it that cost me more money and then refused to replace or repair the product and continue to charge me for it.
Consumer complaint received 2022-08-22
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. (TX)

I went to the dealership on XXXX XXXX and applied for a car loan from XXXX XXXX XXXX XXXX, and they stated they would be the only company to run my credit. However, I got a copy of my credit report and there are several inquiries from other companies that I did not authorize to check my credit report. I also did the same process on XXXX XXXX with XXXX XXXX XXXX to obtain a car loan, they stated only their company would check my credit and there were several companies that checked my credit resulting in several credit inquiries. I have tried to contact the companies and the credit bureau to have them removed but they refused to remove them.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Consumer complaint received 2021-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

This is the XXXX time that Guaranteed Rate is refusing to pay my property taxes from my escrow account. I have paid every mortgage payment on time and they require a portion to go into an escrow account. By law, they are required to use these funds to pay my property taxes. For the XXXX time in a row, my property taxes are now listed as delinquent. On XX/XX/XXXX, I sent my property tax bill to Guaranteed Rate. They assured me that they would be paid on time. I have called and emailed multiple times with no answers. They have escalated my concern multiple times and there are still no answers. I can not continue to wait for them to pay my property taxes. After months of calling and emailing and a complaint with CFPB, they finally paid the XXXX property tax bill but then they charged me the late fee. It took another couple months to get that fee refunded to my escrow account. Now I am in the same boat ... filing a complaint. I will never use Guaranteed Rate for a mortgage again. I am currently working with a local bank and it is 100 % better. People have answers, and the mortgage won't be serviced by Guaranteed Rate. My rental property will be forever doomed ... I just hope they get their act together so I do no have to submit a complaint with the feds in order for them to make a simple payment twice a year. It is such a waste of my time and money to have to do Guaranteed XXXX 's job for them. So many other better company 's out there.
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RSI Enterprises, Inc. (TX)

RSI Enterprises XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Account no : XXXX Amount {$130.00} Date : XXXX I told them that is wasnt mine and they need it to take me out of collection if its not yours it should be off like the law says. If its not i will file a small claims court.
Consumer complaint received 2021-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loan care didnt approve my forbearance on time, making me be late on my mortgage, during Corona virus beginning, they report my lates payments and didnt want to deleted. It heart my credit a lot and cost my credit a year to get back on track, I did not have any other late payment accounts and they did not have any consideration.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (WA)

I transferred money to my Apple Card by Goldman Sachs to cover my balance and my credit card was restricted after. The customer service agent refused to tell me why my card has been restricted or give me a time frame regarding when it will be released. This is unacceptable considering I use this card for the purpose of purchasing groceries and other food items.
Consumer complaint received 2021-06-06
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)

There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX I Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC (AK)

On XX/XX/2021 I got a call from D2 Management saying to owe a debt from XXXX XXXX XXXX in Texas which I do owe a debt and they said the right amount and everything. I did give them my banking information and verified the last 4 of my social security. Now I try and call them but never any answer.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im writing this letter to inform you 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 does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-09-15
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 and XXXX and 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 three 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 n remove the inquiries 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-15
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.