davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
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: SYNCHRONY FINANCIAL (IN)

I have been a Sam 's Club Credit/Synchrony Bank holder since XXXX. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding damaging information being reported to my credit report and a reduction of my credit line. 
Admittedly I was late once this year according to XXXX on XX/XX/XXXX in XXXX. 
This year I have lost my sister-in-law to a XXXX XXXX, my mom to XXXX XXXX on XX/XX/XXXX, and XXXX members of my family have had XXXX. I currently am in XXXX XXXX for XXXX myself. In all of that I have paid my bills to the best of my ability, more than the minimum amount. The reasons she read over the phone for the reduction were lame and couldn't be explained to my satisfaction. 
She said the amount I was paying was low, but it was always more than the minimum. 
She said the ration of my payments were low compared my credit limit. 
She also said my credit score effected their decision. Never mind I have maintained worthy credit with them and everyone else. It was just the inquiries. 

I explained I felt that what they have done is unjust and unethical. I have had this card since XXXX, with a credit limit of {$5000.00}. I have never owed them more than say {$2000.00}. 

I understand credit worthiness so I always tried to not maximize more than 1/3 of this limit. Recently they say they sent me a letter explaining this on XX/XX/XXXX, although on today, XX/XX/XXXX, XXXX read the letter because I explained on XX/XX/XXXX I hadn't received it. I was told on XX/XX/XXXX, and XX/XX/XXXX, the letter would be resent to me explaining why my credit limit and went from {$5000.00} to {$1200.00}. They ask now for a minimum payment of {$34.00}. 

They are damaging my credit score severely. My score was originally damaged because a mortgage servicing broker took from XXXX of this year to XXXX and checked my credit several times to tell me they couldn't do a " streamline '' refinance. Also unjust but I am dealing with this as well. 

I have asked to have my credit line restored and XXXX told me wait 6 months. A tremendous amount of damage can be done by then I told her. 
Needless to say, it's not restored nor fixed. Whatever you can do to meditate this would be greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-04
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 disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. US DEPT VETS XXXX, US DEPT VETS XXXX, XXXX XXXX, XXXX XXXX,
Consumer complaint received 2021-04-28
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. (PA)

I tried to log into my equifax account and dispute incorrect information and can not get through to talk to anyone and how to do this online. I am not tech savy and need detailed information to complete the process and can not get to talk to anyone. They ask questions that have nothing to do with me or my credit and then tell me unfortunately they won't be able to help me at this time.They have my DOB wrong and wrong street address wrong.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (PA)

To Whom it May Concern : I obtained a loan through Guaranteed Rate ( GR ) in XX/XX/XXXX. The location of my property is XXXX, PA. The home I purchased was a brand new constructed building ; therefore, I was able to obtain a 10 year tax abatement. When the new escrow analysis came out in XX/XX/XXXX, GR substantially overestimated my tax payments, as their analysis disregarded the tax abatement. This resulted in an overpayment to the City of XXXX of {$2700.00}. Further, the estimated monthly payment exceeded my correct payment by approximately {$750.00} per month ( i.e. overstatement of taxes and shortage of payments for the beginning of the year ). I contacted GR in late XX/XX/XXXX, they informed me I needed to contact the City of XXXX to obtain the necessary documentation related to the overage. I received the documentation from the City of XXXX, and appropriately forwarded such documentation to GR. About two weeks later I contacted GR to follow-up. The representative told me they received verification, the analysis had been completed, and I would receive confirmation of the change along with the new calculation and any reimbursement. As of XX/XX/XXXX, GR, which is the servicer, once again took the incorrect payment in the form of my automatic payment. I contacted GR today to see what was going on. I spoke to 4 different representatives, all of which forwarded along to someone of no assistance. One individual relayed to me that they are waiting for the refund from the City of XXXX to change my payment and reimburse me for my overpayments. However, she stated this can take up to 46 weeks. I asked why I would be responsible for paying in excess of {$750.00} per month for up to 9-10 months ( i.e. approximately {$7500.00} more than legally required ). She stated " that's just how it is. '' GR, the servicer, made the error in the calculation, I have provided documentation from the City of XXXX, and GR has received confirmation of such documentation from the City of XXXX. However, GR refuses ( multiple times ) to  address the issue and lower my payment to my legally responsible payment. If I pay less than what they have calculated I could potentially run into credit issues and/or have to worry about defaulting on my loan and my property go into foreclosure. I am not responsible for lending ( or floating ) GR  excess funds because they failed to accurately calculate the required payment. Further, the Branch Lender inquired about re-financing my loan and I informed him of my issues. His response included the statement, " we can fix the servicing issues with a refinance. '' I should not be liable for the servicers errors and demand that my monthly payment is reduced to its required amount and I receive reimbursement for overpayment. Overall, the behavior exhibited by this entity and its representative is unwarranted, unlawful, and must violate some subsection of TILA or RESPA.
Consumer complaint received 2019-06-04
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. (FL)

*XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX/XXXX  XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me *XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; Inquiry On Credit Report -Customer Service could not help me
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. ()

1.-Last XX/XX/2018 we sent a wire transfer from XXXX, XXXX XXXX XXXX for the amount of {$10000.00} to an account in SunTrust Bank of XXXX, located at XXXX XXXX XXXX XXXX XXXX, GA. Funds were to purchased goods at USA .

At the time we didn't know that the account was fictitious, someone use Suntrust Bank to steal the funds that belongs to another final beneficiary.

The final beneficiary is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California. Phone : XXXX Our bank in XXXX  request the return of funds to Suntrust Bank but we receive a denied from the bank. They tolds us to contact fraud assistance center at XXXX but we never have an explanation of why do they have a fictitious account in their bank receiving international wire funds that belong to a legitimate provider in California.
Consumer complaint received 2017-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (NC)

This complaint is to inform you that I recently received a copy of my credit report from XXXX, XXXX and XXXX, that publishes information that Pro Collect Inc reports on my credit file and after reviewing it I found a number of items on the report that are inaccurate. The original creditor which was XXXX XXXX XXXX sold this debt to Pro Collect Inc ( a collection agency ), XXXX XXXX XXXX also wrote off this debt in the amount of {$3000.00} and {$560.00} on their taxes which wrote off my obligation to pay. The original contract between XXXX XXXX XXXX homes and myself was cancelled. I have no obligation and no contract with Pro Collect. Please remove this debt from my credit file.By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NY)

Hello I tried several times to clear up this debt. I called many times to the credit bureau and I keep getting a runaround, I reached the collection agency and they refused to remove this from my credit report, This should be illegal I am not responsible for this debt. The company sent a letter stating I'm not responsible. 
I have a court order that my ex is responsible for the debt. 

Please see the letter and court order. This collection agency is crook, they have several bad ratings.
Consumer complaint received 2020-11-27
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: ALLY FINANCIAL INC. (SC)

On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-27
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: HYUNDAI CAPITAL AMERICA (FL)

On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, HYUNDAI MOTOR FINANC add a hard inquiry on my credit report per XXXX 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-06-04
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)

I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
XXXX : XXXX XXXX XXXXXXXX opened XXXX XXXX outstanding balance {$4900.00} Equifax : XXXX XXXX XXXX XXXX opened XX/XX/XXXX outstanding balance : {$8300.00} Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately.
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by XXXX  XXXX XXXX original creditor ) and unfair business practices. 

The account information is the following : ENHANCED RECOVERY COMPANY , LLC Opened Date : XXXX XXXX, 2019 Balance : {$140.00} Original Creditor Name : XXXX XXXX XXXX XXXX  My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.
Consumer complaint received 2020-11-27
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: CORELOGIC INC (FL)

On XX/XX/2020, CREDCO add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-03-11
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)

A business loan taken out by an LLC is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan! BOTH are FDCPA violations! 

Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I called and asked for verification and proof that I was sent notification regarding this alleged debt and they were unwilling or couldnt verify it. I told them it was within my rights and was a FDCPA violation and XXXX said they didnt have to notify me or send me anything.
Consumer complaint received 2021-06-21
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. (GA)

I have sent plenty of letters to Equifax, XXXX XXXX XXXX and have yet to hear a response from them. Im filing this complaint because I have been ignored and they have violated many of my consumer protection laws. The first violation is 15 USC 1692b ( 2 ) an alleged debt being furnished on my credit report is a violation. The second violation is the FCRA 15 USC 1681 states that the consumer reports can NOT include credit transaction arising from your credit card. My social security card is my credit card. The definition of credit card under 15 USC 1681 is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card, the credit card is my social security card. This credit card was used to originate every consumer credit transaction listed on my dispute letter. The third violation is the 1833 Emergency Banking Act states that a natural person can not assume ANY debts. Fourth violation is pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. I did not give permission. If I did please send a affidavit between us tow showing I granted you permission to furnish the report and have the senior executive create an affidavit to me. Have it notarized by the senior executive saying I granted permission to furnish the report.

Due to the fact that this information is on my report and is violating my consumer protection laws I demand that you remove it. I am the consumer and I have a right to privacy. Selling and sharing of my personal information without my written consent is identity theft.
Consumer complaint received 2021-03-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

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. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

XX/XX/2019 XXXX XXXX was paid in full. I received a paper from them stating that I have a XXXX balance with them and I have certified copies from the court house stating the judgement was settled.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX