davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-10-07
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. (AL)

This is a complaint against timeshare XXXX by XXXX. The people I dealt with claimed to not to work on commission. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it because the resale value would go up. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card for me but I was never properly educated of the fees involved. They have our ID during this process. Everything was rushed especially when they didn't even gave me enough time to read through the contract and understand it's contents so I can be fully aware of the details of the agreement. They didn't even give me a copy of the contract. I didn't know how to cancel, I was never even properly educated of it like how many days to cancel and such. I was XXXX at the time and I feel like my age was taken advantage of. I have medical conditions such as XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX of the XXXX, XXXX XXXX etc & having this timeshare just doesn't help, it just gives me financial difficulties and negatively affecting my credit scores. I experienced emotional, verbal & financial stress, it caused my wife to have to take medications which caused more medical conditions as we were both not working, plus they will keep calling for payments. This timeshare just causes us stress plus the current problems and issues we have due to Covid, it just makes our situation worse. We tried to get out of the contract but we were not given any options as to how to get out of it. They called on several occasions in attempts to collect money during Covid with threats to file against us. I made them aware that I was not working and they were not compassionate in their effort to coerce me in to making any type of payment. It was too late when they informed me that I could have requested release and given a number to contact. However, after several attempts, I never had any success in making contact with the number given. I called them again, where they informed me that the account had been suspended but it is showing on my credit report as a repossession. The pressure when I spoke to them, not allowing me to read the contract, telling me we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. I was simply defrauded, lied to & taken advantage of.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Advised Portfolio Recovery to stop calling.They call everyday!!!!! My wife is XXXX and can not be bothered. I believe this is debt that is over 7 years old and trying to collect it aggressively and illegally. I also advised them via email to stop calling and use my number if they need to call. They will not comply with my wishes. I also asked for something in writing so I know what the debt is and they will not comply. I will file a police report for harrassment if they do not stop.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On XXXX occasions on XX/XX/2021 and XXXX I sent certified mail a letter to Transunion, XXXX and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and additionally I am to grant permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost 9 months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

USAA XXXX received payment for an outstanding Mastercard credit account balance on XX/XX/2021. The bank took payment for the account settlement and is refusing to provide documentation to myself that the account has been settled and the agreed to balance paid in full. I have called multiple times over the almost two week period since the settlement and they are doing nothing to provide the appropriate documentation of our transaction.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AL)

This complaint is for the company CCB XXXX ( CCB stands for Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Consumer complaint received 2021-12-08
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. (CA)

For the past several months I have been trying to resolve this issue with Equifax XXXX XXXX XXXX XXXX '' with no success. This issue is causing financial and emotional stress and needs to be corrected asap! Negligence of this final complaint will force me to pursue legal action as I have been trying to resolve this for almost half a year now. I came to a settle in full agreement with XXXX XXXX on XX/XX/2021. Attached is the settlement in full letter I got from XXXX. XXXX is still reporting a balance owed. Due to the clear and obvious error on XXXX XXXX end of not properly reporting a zero balance, the only way to make things right is by deleting this account entirely from my credit.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Stuart-Lippman and Associates, Inc (NY)

I received several annoying phone calls from Stuart-Lippman and Associates , Inc. On XX/XX/2022 at XXXX XXXX XXXX called this company to enquire about the annoying calls that I was receiving, I spoke to XXXX, who refused to give me her last name, but connected me to XXXX, whose last name sounds something like XXXX. I explained to her that their company was making mistake and Oh my XXXX, she took off on me like a pitt bull. I was extremely surprised because I never knew that a customer service representative could be so abusive to someone on the other line the way she was talking to me it ridiculous. This representative claims I owe XXXX which I do not know about. Then I visited the credit bureau and saw the XXXX plus XXXX. Now that's vindictive. Consumer Finance how could a company operate like with such anger to someone on the other line. How could they abuse their authority like that. I had called to inquire about the erroneous debt that I was being accused of owning and that's what I encountered. This company Stuart-Lippman and Associates is very malicious and inhumane. I never heard about this company before now and after this I would not want to hear from them again. I don't have a contract with them how could they have the audacity to boldly destroy someone's credit just like that. My only debt is my student loans. I would like this company to be reprimanded to the highest degree. They treated people like animals and that's not right. So after XXXX XXXX disrespected, then she asked if I was going to pay up I said no. Then she hung up the phone in my face. At XXXX I called again and spoke to XXXX and requested to speak to a supervisor, she the transfered me into someone's voice mail. Please investigate their aggressive and abusive behavior towards the public, it's obnoxious and distasteful and should be stopped immediately. They are destroying innocent peoples ' life who is trying to make it in society. Thank you.
Consumer complaint received 2021-10-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NY)

I have had 3 XXXX leases and the latest was signed this XXXX. On XX/XX/21 my newly leased car was rear ended and is presently for two months now at the body shop. They can not obtain the part needed from XXXX to repair my car. XXXX can not say if the part has even been manufactured, if its in the US, if its on a barge and if my car will be repaired in the near future. They blame it in Covid. I am without a car. My car insurance will no longer pay for a rental. We have asked Acura Financial to waive payment until the car is repaired which they refuse to do. They want me to pay for a car I do not have and it is because of them I dont have my car. I have paid a leased payment for two month including car insurance on a car I do not have. I am looking for justice. I will pay the total amount due however Id like my payments postponed until I have an actual car. We are seniors and do not know where to turn. Thank you
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

In XX/XX/XXXX, I leased a rental unit from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They imposed a MANDATORY rental ( insurance ) bond that had to be paid by me ( tenant ) in addition to a full {$1200.00} security deposit ( one month 's rent ). The rental bond was purchased through XXXX for {$350.00} and it's purpose ( as told to tenants ) is to protect us and so XXXX XXXX can be reimbursed through the bond in the event that I did not fulfill my lease or damaged property. I was told if a claim is filed and paid XXXX would seek reimbursement from me prior to forwarding to a collection agency. My lease ran from XX/XX/XXXX - XX/XX/XXXX. I moved out XX/XX/XXXX XXXX XXXX XXXX after providing a 30 day notice. Due to XXXX  - family members lost housing and landed on my doorstep. Management confirmed it would be a violation of my lease for them to stay at my apartment so I had no choice but to lease a bigger rental space. 

I moved on a weekend. There was only an assistant in the office who stated I would receive my ending balance or refund due in the mail. I was expecting a refund since the apartment was left in mint condition ( I have video ) and I would only owe pro-rated rent for my XXXX  days in XXXX. In XX/XX/XXXX, I discovered a collection for {$3400.00} on my credit report. My complaint today is for the following reasons : 1. Property failed to contact me or mail/send a Notice of outstanding balance due. They were provided with my forwarding address. 

2. The required claim was never submitted to XXXX to recover outstanding balance. The property was legally obligated to file a claim for any balances owed otherwise why mandate tenants buy the bond. 

3. The outstanding balance was sent to a collection agency/reported to all credit bureaus without allowing me the opportunity to be made aware of, pay or dispute the alleged balance. 

4. XXXX XXXX charged an unfair and excessive " Late Notice Fee '' of {$2400.00} as a fraudulent attempt to keep security deposit ( lease requires 60 day notice ). Pro-rated rent and utility totaled approx. {$1000.00}. XXXX did not apply any of the {$1200.00} deposit paid towards the balance. My unit was immediately rented after my move-out so the late notice fee charged is not justifiable. 

5. XXXX XXXX mandate tenants purchase these rental bonds for their protection in case of lease breach or default but do not file claims because it results in a kickbacks/profits for the property if minimum claims are filed.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (LA)

On XXXX the XXXX I made a dispute with well Fargo well Fargo have not take my claim seriously and denied it they adamant that the claim was use with knowledge of the account but like I told them then debit card was stolen and they keep on playing around and denied I gave them dates when I was in the hospital to conclude that it wasnt me XXXX XXXX XXXX
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I applied for a credit card that was declined for a prior delinquency that I never knew existed. I sent written communication about my issue, and they just sent the same notification back with no new information, so I filed a complaint. After filing the complaint, I was contacted by a representative who informed me that I had charged off a business credit card account with them. 

It turns out that on the day that I closed my business account in XX/XX/2020, another purchase posted to my account from a XXXX subscription. I could no longer access my online banking at that time because B of A removes it from your login once you close the account, and so I never saw that I had a bill due. I never received a statement in the mail either. So I never knew this charge existed. 

I called the recovery department, who said they could not waive the fees and interest and let me pay off the single charge from XXXX, so I asked ot talk to a specialist. The specialist asked for the business address, and when I gave it to her, she said it was incorrect. So that means B of A had the wrong address on file for the business, which further proves that I could not receive any of these statements. 

On that call after she would not agree I had given the correct address, she goes " one sec ... '' and then transferred me to an international commercial credit rep who had no idea what was going on or how to help me. Basically this woman refused to help me and just sent me down another IVR rabbit hole. HORRIBLE CUSTOMER SERVICE. 

This was a fluke timing issue where they posted a transaction after my account was closed and never told me about it. I just want to pay for that transaction and move on. There is no way I am paying months of interest and fees on a transaction that I never knew about. I have never missed a payment in my entire life on any card from any lender, and you can see that on my credit report that was pulled for my recent card application.
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (OH)

I sent a letter XXXX feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts.

I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 45days so they should be deleted promptly
Consumer complaint received 2021-10-07
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX CARD Date of inquiry XX/XX/2021