davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I received a call from this company regarding a debt they claim I owed. The representative used very abusive and controlling language the entire time and refused to let me get off the call. I explained I wasn't prepared to pay anything until they had mailed me proof of this debt and I gave her my mailing address. I also told her I wasn't sure how she had gotten the phone number she called but that it was my work phone number and she was not to call again. She asked for an additional number and I told her I wouldn't be comfortable giving that until I received their verification of the debt and would contact them after they sent that out. She stated that this would constitute a cease and desist on their end and that's how she had to log it and I told her if that was how she had to process that request to not call me on my work line again to do that. She said " Ok, but that's not what I wanted to hear and you will regret this. '' I have still not received anything in the mail from this company but yet received another call from them today, XX/XX/2020. I have records of both calls.
Consumer complaint received 2020-04-28
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; LAW OFFICES XXXX XXXX LAW OFFICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX Loan payoff received by Bank Of America. 
XXXX Bank Of America sends lein release. Stating they have no longer have a security interest in the vehicle loan. 
XXXX Contacted Bank Of America to make sure the account has been closed, they said it was, And that the vehicle could be shipped. XXXX in XXXX was the Bank Of America Representative. 
XXXX Car is Shipped to XXXX XXXX. 
XXXX Out of curiosity, Bank Of America is called, loan is still closed, everything is good as stated by XXXX in XXXX. 
XXXX Bank Of America representative calls and says loan has been opened, and that check was denied funds.
Consumer complaint received 2022-06-17
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. (FL)

The account in question is XXXX XXXX. 

Disputed this account, and nothing was sent to me to legally verify this account. 

Experian is in violation of the FCRA. I am exercising my rights under FCRA XXXX ( a ) ( XXXX ). I requested a method of verification along with a re-investigation. Experian did not comply with my request for method of verification. 

On XX/XX/XXXX I disputed this item via mail asking Experian to verify the item was accurate. XXXX they advised it was verified but did not provide any information. 

On XX/XX/XXXX I sent a letter in asking for proof of verification. The status on my report was updated and again no proof of verification was provided. 

On XX/XX/XXXX I sent a third letter via mail, asking for proof of debt and validation. On XX/XX/XXXX the system was updated, again simply saying the information was verified. 

I am requesting this account be removed from my credit report, as it is not accurate, has not been verified and is negatively impacting me.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (LA)

Card was charged without my knowledge. Transactions are from XXXX and XXXX XXXX. I did not authorize these transactions. The total comes out to {$430.00} during the month of XXXX. There was a total of 18 transactions. No help with cancelling the card at all. I tried calling XXXX and no help was provided, and the same with XXXX. I will be making a police report as well. Reliacard US Bank has not been helpful with filing a dispute. There is no way to do it online and I was put on hold for two hours with no help.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NV)

On XX/XX/XXXX, I contacted the company the processes my loan payments and let them know I was concerned that I might have a problem paying my XXXX mortgage payment. I then asked if I would be able to defer the XXXX payment only and attach it to the back end of my remaining loan. I was told that I might qualify for their " forbearance '' program which is only available in 3 or 6 month increments. After the 3 months all of the money that had not been paid would be due upon completion of forbearance. So now I would owe them 3 mortgage payments and I could either sign up for their repayment plans which they say would depend on my financial situation at the time, OR they could " restructure '' my loan which translates to my having to refinance my home at low market value so they can charge my another several thousand dollars in refinance fees and send their appraisal company a kick back as well. Which is assuming of course that I could even get the house to appraise for what I owe on it in the middle of the looming economic recession.
Consumer complaint received 2022-06-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have new and updated information about Transunion. XX/XX/2020 I sent a letter asking them to send me the description of the reinvestigation and they failed to do so instead they disputed the accounts and caused 3 of the account to show a missed payment ( XXXXXXXX XXXX  XXXX XXXX ) even though they are in fact closed and charged off. Reporting that information is in fact inaccurate and dropped my score XXXX points. It is not my job to hold you in compliance but it is my responsibility to ensure it is fair and equitable to me and it is not. I was Explicitly clear on my request I did not deny ownership nor did I ask that you dispute but since you did you should be able to provide me with the description of the reinvestigation used to determine the accuracy and completeness and you have not which is a violation of my rights under the FCRA. The 30 days passed and they have not provided the proper documents and was suppose to remove within the end of the 30 day period per the FCRA 15 USC 1681i. These are the following accounts that need to be removed. ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) And also factual accounts were to be excluded per FCRA. Attached is the attachment Transunion called a procedure which is completely against federal law. I have letters attached to show the negliengent amd willful noncompliance as I have acted in good faith and will next consult with an attorney due to this damaging my reputation, my lively hood and have stopped me from being able to support my family financially. I also asked to receive correspondence by email and they have also failed to do that.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc. (PA)

I disputed this account for a variety of reasons, and they have repeatedly verified it to the credit bureaus. They have violated my rights according to HIPPA by sending me information that was purely medical in nature. I don't believe this information should have been used as verification to the credit bureaus as I did not give them permission to share my private medical data with anyone. I am very embarrassed that they would have such a complete history of my medical episodes, and that they would willfully share that information, with anyone, let alone have it themselves.
Consumer complaint received 2020-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one allowed an account to open in my name. Account # XXXX. 
They originally sent me an letter in the mail, stating the account will be closed, removed and deleted from my credit reports, which did happen. They began reporting the account AGAIN, then it was removed AGAIN. Now, it's back showing on my XXXX  credit report. Capital has also been calling me multiple times per day, which i believe is harassment and sending me emails stating the account is due for an payment to get back in good standings. The account placed a WRONG address on my credit reports as well, that i'm still battling with the credit bureaus to delete the Wyoming address. I never lived in Wyoming!! 
I pay all of my bills on time and have zero negative items on my credit reports. 

XXXX  has deleted this item on XX/XX/XXXX report # XXXX, which they verified with Capital One that the account is not mine before they deleted it, Then again on XX/XX/XXXX report # XXXX. 

Capital One also responded to the CFPB on XX/XX/XXXX complaint number # XXXX that the account would be deleted from my credit reports and closed permanently. 

I am a victim of identity theft and i receive credit reports each month to watch out for things like this. 

I demand Capital One to stop contacting me about account # XXXX and remove their negative reporting from my XXXX   credit report.
Consumer complaint received 2022-06-17
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (PA)

I have made multiple disputes with all 3 credit bureaus for the reporting of my Bridgecrest account. Bridgecrest continues to certify inaccurate information to XXXX and XXXX, specifically that my last payment was made XX/XX/XXXX in the amount of {$0.00}. The actual last payment was made on XX/XX/XXXX. I am aware of the fact that Bridgecrest has already had legal action against them in the past for certifying inaccurate information to the credit bureaus, namely reaging accounts, which is what they are doing to me. You will see the attached copy of how XXXX is reporting the dates which is correct, along with the receipt of my last payment. You will also see the attached the XXXX report which contains the inaccurate information.
Consumer complaint received 2020-04-28
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION (CA)

I was fraudulently charged {$29.00} 9 times which came out to {$260.00} on XX/XX/2021. 
I filed disputes for all of the charges and the refund was approved XX/XX/2021 but I never received compensation I also have called countless times and talked to plenty of managers and they keep giving me the run around saying they will escalate and sent it to there higher ups. 
So at this point I feel like there should also be Interest because over half a year is considered beyond unreasonable in customer law. 
The account was XXXX by Comdata.
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DE)

After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. XXXX XXXX XXXX account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of JACHO institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.
Consumer complaint received 2022-06-17
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. (MD)

On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times. 

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I closed this credit card on XX/XX/XXXX and paid off all the amount. Until XXXX XXXX I saw my credit report has debit collection as {$740.00}. This credit card credit limit is only {$400.00}, how can I owe them such money? I called XXXX  XXXX and they told me account closed on XX/XX/XXXX and they don't know what is going on and also called debit collection company and they refuse give me any detail information only ask me pay off the debit. 
1. If I still owe XXXX  XXXX after card closed they should mailed me final statement or called me to statement I still owe them money. ( My payment history not listed I have bad debit until XX/XX/XXXX I know it! 
2.XXXX  XXXX company should be response me and provide me any details such as statement..
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TN)

I made an agreement with Jefferson Capital on behalf of an unpaid debt to XXXX XXXX. The agreement was to be settled for half the debt and upon receiving the last payment, the debt would be considered paid in full. This company still reports to the creditors that I owe the rest of the debt, when I in fact do not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-17
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation 2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Failure to perform an investigation per fcra regulation 3. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation
Consumer complaint received 2019-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (GA)

Per State if Georgia, this loan was done ILLEGALLY. You all did NOT inform me that ANY loans in Georgia are ILLEGAL. I have turned EVERYTHING over to the State of Georgia AND to the Attorney General. The state of Georgia has already sued you all once and will be doing it again. Here is ALL evidence to back my case. Any communication made to me WILL be forward to ALL attorneys involved. This is also a cease and desist order for any communications made. Any attempt made will be additional charges brought up and all phone calls are recorded as well as time/ date stamped. The State of Georgia has also assigned state and federal attorneys to represent me on this. From here on, all communication WILL be done between you, Loan At Last, and the State. No one is exempt and the state will also handle those false claims. A copy of this email has been saved and as well as sent to the Attorney General.