davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WA)

I applied for a line of credit at the on line music equipment site called XXXX. The credit line was approved for {$600.00} through Synchrony Bank in XXXX of XXXX. I made my first purchase of {$590.00} on XX/XX/XXXX. I made my first payment of {$100.00} on XX/XX/XXXX prior to the XX/XX/XXXX due date. In early XXXX I applied for a small loan of {$4200.00} through n loan service called XXXX for the purpose of consolidating all my credit card debt. The {$4200.00} loan was approved and I paid off all my credit cards, including the Synchrony Bank card. So I paid off my XXXX XXXX, XXXX XXXX, and XXXX accounts. On XX/XX/XXXX, Synchrony Bank informed me they lowered my credit limit from {$600.00} - {$250.00} based upon the information they received from XXXX, the same credit reporting agency they consulted to 'approve ' my my original {$600.00} credit limit back in XXXX. I believe this adverse action on Synchrony Bank 's part was arbitrary and capricious. None of my other credit cards lowered my credit limit because I paid off my credit cards. So the decision of doing this on their part is dubious at best.
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

I came to the ER with low belly pain on XX/XX/XXXX, but the pain had subsided by the time I saw a resident doctor. The only test I received was a blood test which came back normal after 3 hours of waiting. However, XXXX XXXX XXXX sent one hospital EV bill {$2500.00} to my insurance company XXXX XXXX and {$500.00} to me. I called XXXX regarding the bills and asked why upcoding my bill, I was told I do not need to pay the hospital EV bill. My insurance company rejected payment. XXXX sent {$1700.00} to a collector in XX/XX/XXXX. This EV bill is charged with {$2500.00}, but XXXX sent me three different bill statement with three different balance. The collector directly reported to credit bureau to drag me credit score down without contact me. Based on publicly available information for patients without health insurance from FAIR Health Consumer, a moderate-level XXXX visit, such as for a pain with fever is about {$400.00}. it appears XXXX XXXX is taking advantage of the fact that I do not have dispute ability and is blatantly abusing that power. 

XXXX ( University of California XXXX XXXX XXXX ) neither providing the review result nor making correction to my credit report. They continue to abuse their power to send the debit to PROGRESSIVE MGMT to draw my credit score down. They always make money with upcoding or services that dont exist at all. This is a very despicable act.
Consumer complaint received 2021-10-22
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (NJ)

I am a natural person and a consumer. This is not a duplicate complaint. After WELLS FARGO AUTO received my Cease and Desist letter, stating that they cease all communication with XXXX XXXX and XXXX XXXX, WELLS FARGO sent me a letter of repossession warning, stating they are attempting to collect a debt which is is violation of 15 USC 1692c ( c ). This is also a form of communication and a violation of my privacy rights. I did not give WELLS FARGO written instructions with permission to share my personal information with anyone. I have made several attempts to obtain validation of this alleged debt pursuant to 15 U.S. Code 1692g. WELLS FARGO AUTO has made it clear that they will not be sending anymore documents required by federal law to validate the alleged debt. At this time, pursuant to 15 U.S. Code 1692g ( b ) of the FDCPA, I am requesting the name and address of the original creditor which WELLS FARGO AUTO MUST provide. WELLS FARGO AUTO has stated on the record that the FDCPA does not apply to them and that they have their own set of laws to comply with. WELLS FARGO AUTO has also stated on the record that they will continue to collect the alleged debt, and that the Cease and Desist only refers to communication. This is a violation of my consumer rights! By requesting the name and address of the original creditor, WELLS FARGO MUST cease all attempts to collect this alleged debt until they provide the name and address of the original creditor.
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 information incorrect
Company: EQUIFAX, INC. (LA)

Collection company fraudulently reporting inaccurate information to keep account open. I never opened any accounts in the year or month these companies are saying that I opened these accounts. Each company failed to send me any information containing my application with signature saying I agreed to open these accounts.
Consumer complaint received 2022-08-12
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XX/XX/XXXX- The inquiry was not authorized 4. XX/XX/XXXXXXXX - Identity Theft 5. XXXX XX/XX/XXXXXXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

I have been disputing this bankruptcy on my report for months I have not given any verifiable information as to how this bankruptcy was placed on my report the court information is inaccurate on my bankruptcy and furthermore judicial factions do not report public records to and consumer reporting agencies which means my personal information was given without my consent at this time it has been longer then thirty days and I have not received any documentation
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you 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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: City Enterprises, LLC (TN)

Ever since I have gotten the loan if I go one or more than 5 days past due they come at me with threats of taking my car .I have texts showing them just recently trying to take payment out multiple times in a 24 hr period off my debit card and also my wife 's debit card and I have voice mails of them threatening of repossession every time. I have kept in contact with them the best way I can and have done. In conversations with them I have told them situations of any late payment and they have lead me to think that they understand and that they will work with me and never do. The reviews I have read on the XXXX XXXX XXXX there are so many complaints on this company with the same thing that happened to others.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (VA)

At the end of XX/XX/XXXX I opened checking/savings/credit card account with CitiBank. 

The intent was to consolidate multiple accounts into a single account at Citi. 

To maintain CitiGold access I needed a minimum of XXXX in deposits. 

The XXXX was primarily going to come from a roll over 401k. 

On or about XX/XX/XXXX I spoke with XXXX XXXX at Citibank who informed me that Citi did not have the ability to transfer a 401K. 

As I was now unable to maintain the min XXXX balance required for citigold, I started moving approximately $ XXXX to XXXX. 

On or about XX/XX/XXXX Citibank froze my accounts with approximately {$5000.00} remaining. 

I called on XX/XX/XXXX and was told my account had been closed and I should expect the {$5000.00} in about 60 days. I need this money to pay bills. 

I need the {$5000.00} returned to me immediately. 

Thank you.
Consumer complaint received 2021-12-31
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. (TX)

This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. XXXX XXXX sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. XXXX needs to update my file ASAP and take the delinquency off my credit report. I called into XXXX several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.
Consumer complaint received 2021-12-31
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: EQUIFAX, INC. (GA)

By law there are statute of limitations for outdated delinquent accounts. This account has been reported since XX/XX/2014 and the statute of limitations has been exceeded therefore removal is required. In addition the lender has also been contacted directly of this matter.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (WY)

I have been charged over {$500.00} in overdraft fees and regions bank has been ordered to resolve this, I wasnt sure how to file for it but Ive been with regions bank for years and something will take out of my account without my knowledge ( XXXX, XXXX, XXXX, ect. ) and it will charge me a {$70.00} overdraft fee and it just keeps going up if I dont have the money to pay it, so I would really like someone to reach out to me and help me with this situation.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CFPB { Transunion } first the vehicle was taken with out a court order Stolen by creditor That in its self was against the law the law state that repo must have a court order or its a violation of the law As for your credit reporting verified you are the only one reporting XXXX Bank, { XXXX and XXXX has removed the account from my credit report }, proof of all ownerships of that tells me you did not do an investigation.so I request that you Transunion a copy of your investigation, who you got information from. I want a copy of said payment that is stated on your credit report with my signature on it Any and all documents from XXXX Bank to Transunion and collection company CONTRACTS proof of all contracts that show ownership of this account { not Letters Contracts } {! } { original contracts } from all parties to this account with my signature { 2 } Creditors name and address { original Company } { 3 } Payment history Complete Showing last payment with my information on payment { 4 } Proof of ownership { All } parties to this account that means { contracts } not letters involved on this account. Transunion you should have all this information on hand especially after you state you verified the account The LAW STATES! % U.S.C. 1681 { a } i a and 15 U.S.C.1681 { c } { 1 } { a } { b } { i } { 3 } NOTE ANY I dispute MUST come off my credit report REGUARDLESS the reason it must come off CFPB its the LAW read it Transunion its a {$1000.00} dollar fine for each violation, .I expect a reply in 30 days By LAW
Consumer complaint received 2021-12-31
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: Sezzle Inc. (MI)

I have been in contact with Sezzle since XXXX regarding an account being past due on my XXXX credit report. They email me and state the account doesnt match my name so then i send this to transunion they wont fix my credit report even after showing proof. Then sezzle states they cant talk to me this acoount dont belong to me but yet wont correct my credit report
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SILVERGATE CAPITAL CORPORATION (NJ)

Initiated an XXXX XXXX withdrawal on XXXX ( {$25000.00} ), XXXX ( {$25000.00} ) and XX/XX/10 ( {$10000.00} ) from XXXX which uses Silvergate bank as the XXXX for omnibus cash in USD. The XXXX withdrawals were all debited from my account on XXXX and processed with silvergate within seconds. Nothing has shown up in my bank account. Was told that XXXX transfers take anywhere between XXXX XXXX XXXX
Consumer complaint received 2021-12-31
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. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2021-12-31
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. (VA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (FL)

I PAID OF MY LOAN, SENT THE PAYMENT VIA XXXX XXXX PNC BANK SIGNED FOR IT. AND TO DATE THEY HAVE NOT CREDITED MY ACCOUNT AND THEY STILL SHOW I AM DUE FOR MY PAYMENT AND THE BALANCE SHOWS UNPAID. I have called PNC bank several times and wait on hold they say for 5 minutes and in 5 minutes the message comes back that they are too busy to talk to me. this is rediculous!
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MI)

I have had this account on auto pay from the first month I had it. They took out a payment of {$61.00} on XX/XX/XXXX as normal. Then there was no payment taken out on XXXX or XXXX that I didn't notice. They called me in XXXX and asked for me to catch up. There is no evidence of them trying to take out the payments from XXXX or XXXX. So there were no bounced payments. I paid {$180.00} on XX/XX/XXXX by phone. They took out {$94.00} automatically again on XX/XX/XXXX. I asked for them to remove the late payments from my credit they said they could not because they were reported accurately. This was an internal error at Discover Card it was not a mistake by my hand. Please help.
Consumer complaint received 2022-08-29
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: JPMORGAN CHASE & CO. (MS)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-12
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. (NJ)

There is a " satisfied '' XXXX collection on my account and it's on two bureaus. 
They both have illegally re-aged it ( XXXX and Equifax ) and XXXX does not report it ( becuase it's erroneous ) Equifax reports positive payments on a paid collection which is not legal or possible. XXXX reports current date of last active status. This should not be on my report abd the bureaus continue to report incorrect information.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (AZ)

I received a Credit Score Disclosure in the mail. It said it was prepared for US Bank, my mortgage company. It had a different loan number then my loan number. After speaking with US Bank they said someone stole my identity and tried opening 2 checking accounts. Those accounts were denied opening. But this person managed to open 2 savings account at US Bank, in my name, and even managed to get {$25.00} out of my personal checking account at XXXX XXXX. US Bank is sending me forms to fill out and reimburseing me the {$25.00}. My bank closed my savings account and opened up a new one for me. The date on the credit score disclosesure is XX/XX/22. But I just now figured this out today XX/XX/22.