davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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: Avant Holding Company, Inc. (NJ)

on XX/XX/2020 i apply for a new credit card and was approved and they send it via mail during the course the card was stolen and i received a billing stating congratulations for activating your new card and was used at a XXXX store in XXXX NJ some 10 miles away from my home, so icall the comapny to report i never received the card but it was activated and used the representative made notes and said they will cancel the card and will issue me a new one in which i did reveiced 10 days later. Now they still attaching that {$400.00} dollars used from the stolen credit card. I have spoken and e-mail the company since last year to no results. I am not going to pay for merchandise i nerver bought or a credit card that i have not received.
Consumer complaint received 2021-10-18
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: Capio Partners, LLC (OH)

This is my second time disputing this account : ASSETCARE LLC # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following account ASSETCARE LLC # XXXX.
Consumer complaint received 2020-05-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove them.
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (MO)

On XX/XX/2021 I came into the Mercedes-Benz XXXX XXXX XXXX XXXX XXXX personally finance a vehicle on a credit transaction and was denied and was not given a written notice per the requirements of the ECOA pertaining to the specific determining factor of why I was denied. Also, they shared my private information with third party companies without permissible purpose. The FTC says that this is credit discrimination.
Consumer complaint received 2022-05-20
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. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX  XXXX  XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2020-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove them.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (TX)

The government informed me on XX/XX/2020 that I would have my stimulus payment deposited into my PayPal account. However, PayPal has not processed my stimulus payment and it's not even showing in my account as pending, four days later. There is no way to get a hold of PayPal by phone and they are claiming that they don't have enough staff to man the chat on their website for customer services. This seems contradictory though, because employees online are claiming that they were sent home with computers so they could work from home. Either way, I have been ignored by the company and was also told by whoever mans their XXXX page that if I post anymore information about how people can file a complaint against PayPal for this mismanagement of their account/money would get me blocked from posting on their page. So, in all ways, I am being shut down as a customer by the company. With this being during a world-wide pandemic, they have made mine and my family 's suffering even worse, as we are heavily relying on that stimulus payment.
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-05-04
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: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the fair credit reporting at XXXX  account # 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 2. 
It also states a customer reporting agency can not furnish a account without my written instructions. 



Creditor Contacts Creditor Name Address Phone Number XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX PA XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXFL XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXFL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDE  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXOH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXUT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXGA XXXX XXXX
Consumer complaint received 2020-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a credit card with capital one that advertised a 0 % apr for a number of months. Every month, I diligently watched my statement, as my intention was to pay off the balance in full when the 0 % rate expired. Imagine my suprise when my bill came due and I notice an interest charge for my outstanding balance. I called capital one to complain and they explained that the promotional rate had expired mid-month, and they refunded half the interest charged.

In my opinion, this is deceptive. Nowhere on my last 'fully 0 % ' APR statement was a notice 'oh by the way, your balance expires mid-month next month, so if you wait for a statement to pay it, we're gon na charge you interest! In fact, no notice about the teaser rate 's expiry was provided at all. 

Apparently Capital One used to provide this type of notice. The person I spoke to even said to me " I don't know why they stopped notifying people on their statements that [ the expiry of their promotion rate ] is  about to happen! '' To me, it's extremely obvious why Capital One stopped notifying its members of the rate expiry : to extract profit. This is an incredibly underhanded practice.
Consumer complaint received 2022-06-30
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. (NY)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened:1XXXX Balance : {$160000.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (WA)

In this difficult time, I am a victim of XXXX and I am not working since XX/XX/XXXX because my company has closed temporarily. I tried to call this people to let them know about my financial situation. I am surprised that I had taken out an {$800.00} loan but the interest is excessive. They kept calling and emailing me claiming {$2600.00}. I am really worried because this situation becomes stressful. Thank you!
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

See attatched XXXX Credit Reports XXXX  & Experian Account NOTE EXPERIAN XXXX opened *XX/XX/XXXX ( partial account ) # IS IN TRUTH account # XXXX see attatched XXXX date XXXX XXXX CANCELLATION OF DEBT on a VISA/MSTR Debt. All Visa 's begin with the number ( 4 ). See attatched XXXX  XXXX Credit Reports. NOTE account XXXX a mastercard number ( 5 ) account opened XX/XX/XXXX IS IN TRUTH see 1099-C account MSTR/VISA DEBT XXXX CANCELLED DEBT XX/XX/XXXX. The XXXX accounts XXXX & XXXX ( BOTH WERE CANCELLATION DEBT XX/XX/XXXX account XXXX ). Both Experian & XXXX  " VERIFIED '' accounts are ID Theft case XXXX. HOW COULD THEY BE VERIFIED? Experian & XXXX & XXXX are in violation of FCRA Federal Laws. SECTION 611 & SECTION 609.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

Hello, I was a resident of XXXX XXXX XXXX When my lease period was ending I tried contacting the leasing office to get information regarding the lease extension as well as the move out process. I was informed every time that they would get back to me and they never did. When my lease period was finally up I reached out to them again and they informed me that they never got the information and they refused to accept that it was a mistake on their end. I reached out to XXXXXXXX XXXX office on the XXXX XXXX XXXX and informed everything before Covid. They took my information and never responded. Meanwhile, the balance due was reported to collections. I am still unaware on why this happened.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In 2015, I opened a checking account with Bank of America ( BoA ). The last transaction date was XX/XX/15. At some point after that, the account was closed. At that time, I had a balance of nearly {$960.00} in the account. When I log into my BoA account, I can see the balance listed under My Portfolio, but there is no way to access the funds. I realized this sometime around XXXX of last year, and called BoA about it. They told me that their system shows a balance of {$XXXX} at the time of closure. They say that the money must have been passed to the State of Missouri ( the address on the account was a Missouri address ) as unclaimed property. I have checked the publicly-accessible unclaimed property databases, but there is nothing under my name. I believe the funds were never passed to the state.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (CA)

On XX/XX/2021, I noticed a derogatory mark on my credit file for a medical bill from OUTSOURCE/MEDICREDIT INC for {$62.00} However, I have not received any communication from the company regarding any outstanding medical bill or any debt incurred. 

I phoned them and discovered they had outdated information regarding my address and phone number. 

I immediately paid the debt and explained that I never received any information from them regarding the debt. They still refused to remove the mark from my credit file. I believe this is unfair and illegal predatory behavior to collect a debt that I have no information on but is consequently hurting my credit
Consumer complaint received 2020-05-04
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. (IL)

I had a three way discussion with a rep from their company, XXXX, as well as XXXX XXXX. XXXX  was deducting my payment daily and sometimes several times a day. XXXX XXXX stopped this action. The cause was investigated and XXXX  said on a recorded call that once XXXX released the stop hold for the 3 ACH payments, they would close the account 'as a courtesy ' and Paid in Full. I called three additional times to confirm they had payment once XXXX released the funds, once per week. They said it may take up to 30 days for them to receive it and in the mean time, they refunded one payment of {$42.00}, added interest charges and then sent it to collections. XXXX is aware I am on a do not call list, and do not consent to their calls. They provided my EMPLOYER PHONE NUMBER to the collections group in retalliation. Over {$62.00} and a verbal agreement they did not follow through on. 

Despite honoring my end of the agreement and XXXX releasing the 3 ACH 's back to XXXX, they sent my account to collections over {$62.00}, the amount of 1 ACH debit and fees. I have a ding on my credit since they closed the account as a charge off. It is no such thing. 

Should be Paid as Agreed, and XXXX needs to honor their end of the deal. Remove the account from collections and close as agreed. I will be filing a complaint in addition to this one with the Attorney General next and utilizing the call records if XXXX does not honor their end of the agreement.
Consumer complaint received 2023-05-14
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. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CT)

Knowing in the back of my mind that my interest was going to go up on a my Comenity Bank XXXX account on a deferred Interest plan on XX/XX/XXXX I called them to find out what the payoff amount was and was told y their representative, on a recorded line, an amount of {$2600.00} as of the XXXX. That day I sent them {$2600.00}. They've confirmed receipt. They've also sent me an Interest charge of {$700.00} and refuse to discuss any solutions other than paying that amount regardless of what I was told was the full amount due.
Consumer complaint received 2020-05-04
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: ENCORE CAPITAL GROUP INC. (DC)

I am having a problem because there are a lot of inaccurate information on my report. I have been a victim of identity theft. I have XXXX inquiries, collections and misinformation that does not belong to me. 

I have varying birth dates, social security numbers, and addresses where I never lived and collection accounts that I DID NOT OPEN. I am XXXX years old and my credit is important to me. I am getting phone calls for some woman named XXXX XXXX, whom I suspect is responsible for this.I have tried to find out who she is to no avail. All of this stuff needs to be removed from my account. I can't have this issue continue. 

This person, I assume is doing a lot of this online.I am now trying to rent a home, and all of this keeps coming up, it is NOT fair for me to have to pay for someone else 's fraud. 

I am asking that anyone that inquires into my file, let it be known that Iam disputing my credit file and I AM A VICTIM OF identity theft. This woman XXXX XXXX is from New York, as far as I can tell and all she does is try and buy things in other people 's name. She is of XXXX descent, and scamming is her game. She is on XXXX, without a picture.
Consumer complaint received 2022-08-01
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX BANK XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XX/XX/2020