davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (IN)

Dear CASCADE CAPITAL FUNDING , LLC, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and CASCADE CAPITAL FUNDING , LLC. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and CASCADE CAPITAL FUNDING , LLC that evidences my agreement to pay the alleged debt in question. 

XXXX. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : - The name of the original creditor, - The principal balance of the alleged debt, - Documentation of any insurance, securities, tax benefits, complete terms of the agreement ( with Defendant signature ), any transaction signed receipts, a detailed itemized statement or other relevant financial transactions related to the account ; I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that CASCADE CAPITAL FUNDING , LLC has made false or inaccurate claims regarding this debt. 

Request for Purchase Agreement I respectfully request that CASCADE CAPITAL FUNDING , LLC to provide the purchase agreement and not a bill of sale. The purchase agreement contains the specific terms and obligations of the original debt and is the only document that can accurately validate the alleged debt. Without this document, CASCADE CAPITAL FUNDING , LLC has failed to meet its burden under the FDCPA, and the debt is unverifiable and unenforceable. 

The purchase agreement is the most accurate document to meet these requirements because it contains the original terms under which the debt was incurred. Without this contract, it is impossible to confirm whether the debt is valid, whether any payments or credits should have been applied, or whether the amount claimed is accurate. 

Without providing this key document, CASCADE CAPITAL FUNDING , LLC can not verify the specific terms under which the debt was created, leaving me at a significant disadvantage. If CASCADE CAPITAL FUNDING , LLC Merely provided a bill of sale or account summary it does not satisfy the requirement for proper validation under the FDCPA. CASCADE CAPITAL FUNDING , LLC must present the purchase agreement, which is the primary document proving the formation and terms of the original debt.
Consumer complaint received 2020-05-29
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. (TX)

FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXXL ALL NEED TO BE REMOVED
Consumer complaint received 2023-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/2022, XXXX XXXX transferred money from a ROTH IRA  held at that institution to Ally Bank. The deposit was mistakenly put into a TRADITIONAL IRA which makes the amount subject to taxation while the Roth is tax free. I have communicated by phone and email with Ally on five different occasions regarding the steps to take to correct this. Despite asking for one representative to be assigned to handle this case, each rep that has communicated with me has said that Ally 's policy is to let random selection choose whoever you communicate with when you send an email or make a phone call to them ( which requires long periods on hold ). The most recent email from their rep on XX/XX/XXXX stated that even though I submitted all the forms previously requested, they now want a conversion and rollover form submitted to put the money into a Roth account. My tax planner stated that is exactly what NOT to do since that paperwork would trigger the fact that this money would be taxable and would lose its tax free status. This bank is extremely difficult to communicate with and obtain resolutions with issues. No one person seems to be assigned to handle an on-going problem and you end up with a roulette wheel where you spin it and see who you get and how that person 's answer may not be the same as the previous one you received.
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (LA)

XX/XX/2016 {$0.00} XX/XX/2016 {$0.00} These accounts has been paid in full, I have reached out to the creditor in regards to this matter. A deletion was offered, These acounts were never deleted
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (TX)

dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2020-05-29
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. (TX)

dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX XXXX XXXX   XXXX {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX $ XXXX XXXX {$3500.00}
Consumer complaint received 2020-05-29
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. (TX)

XXXX Disputed XXXX incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX XXXX. There is no way it could have been any later than this, because I was XXXX XXXX On or about XXXX responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XXXX Contacted XXXX to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XXXX XXXX Last date of activity XX/XX/XXXX. 

Therefore, both XXXX and Credit bureaus are in violation of Fair Credit Reporting. Act.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. ()

On XX/XX/XXXX I reserved a car for rental with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. When I went to pick up the car I was informed I would need to pay more to have full insurance. I told the lady at the rental agency I did not agree with the terms, and that I had been told by the man the day before I had full insurance. The lady working issued me a cancellation notice and told me I wouldnt be charged. When I checked my statement in XXXX I realized that XXXX XXXX XXXX XXXX did not reverse the charge. I filed a dispute with chase card services. The representative told me not to send in any documentation unless requested. A few weeks later i received a letter saying that the charges were valid. I had not been given a chance to submit my documentation including my cancellation letter from the rental company representative. I complained and had the case reopened. I sent in proof to chase that I did not rent the car, I did not receive any services for payment. In fact I was not in the country XXXX XXXX XXXX XXXX when I had allegedly rented the car ( XX/XX/XXXX to XXXX ). I sent in hotel receipts showing that I could not have returned the car on XX/XX/XXXX because I was in XXXX XXXX, XXXX on that date. Chase eventually dismissed my claim and sided with the XXXX XXXX XXXX XXXX  company. Chase card services gave me a {$100.00} voucher for my time and money I spent faxing documentation and calling The dispute resolution office.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (TX)

Upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. Following my last complaint, this company still has not provided me with Legal Documentation to prove any of their claims. If they indeed have an address on file for me, then the information requested should have been provided. This company stated in a claim that the account in question was sold off at auction and an Explanation of Calculations of Surplus or Deficiency was sent to a last known address. I requested more information to verify the debt amount and information of their claims and they have not done so. I do believe that upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. In a statement, said company stated an agreement of {$220.00} biweekly with a final payment of {$220.00}. I am requesting that they provide me with Legal Documentation of the Federal Truth in Lending Disclosures, showing the annual rate, financial charge, total sale price, number of payments, the payment amounts, when they begin and was due to end. I would also like proof of the NOI letter they stated was sent, along with the explanation of calculation of surplus or deficiency letter they also stated was sent that is suppose to outline the amount the car was auctioned for and the remaining balance that is owed as two different amounts were mentioned in their last statement. I stand on my original statement that this debt isnt valid. In the meantime, stop reporting to every credit reporting agency until the Legal Documentation is provided that this debt 100 percent accurate. The statement below is the statement that was issued during my last attempt to reconcile this issue. On XX/XX/2020, we recovered the vehicle due to non-payment. We sent XXXX XXXX a Notice of Disposition and Our Plan to sell the Property ( NOI ) letter to her address on file. The NOI letter outlined the total amount needed to reinstate or redeem the vehicle and explained the vehicle would be sold at auction if the account was not reinstated or redeemed. We also spoke directly to XXXX XXXX on XX/XX/XXXX and provided her with a reinstatement offer. On XX/XX/XXXX, with no payment received toward reinstatement, the vehicle sold at auction, and we applied the proceeds to the principal balance of XXXX XXXX account. We sent XXXX XXXX an Explanation of Calculation of Surplus or Deficiency letter to the address on file. The letter outlined the deficiency balance still owed.This debt is invalid and I have I have never received any of the letters they say were sent I am requesting that they provide me with Legal Documentation. 

Thank you,
Consumer complaint received 2023-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (OR)

I opened a loan for a piece of furniture through Koalafi. I agreed to pay off the loan in three months so that I wont have to pay interest. I was making a payment of {$180.00} a week to pay it off. I had two weeks left with a total balance of {$370.00} so I made a final payment in that amount. The following week they continued to charge my card {$180.00} so I had called to get a refund for that since I made the payment towards paying it off. They refunded me XXXX {$89.00} payments from 2 random months before. the following week after they took out the {$180.00}, they continued to charge my card another {$67.00}. I had called and they said that my loan was still open because they had refunded me the past month payments so now they say that, I have to continue paying the interest which is the same amount of the couch itself. My loan is currently sitting at {$2800.00} when I already paid {$2500.00} for the couch. XXXX XXXX be paying for this is {$5300.00} for something I paid off within the 3 months.
Consumer complaint received 2020-06-12
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX/XXXX  XXXX XXXX XXXX XXXX with a date of XX/XX/2005 and a phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2023-03-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-05-29
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD BE DELETED IMMEDIATELY
Consumer complaint received 2020-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

The information reported was not authorized by me to be added to the account. I have sent letters requesting the deletion of unverified accounts multiple times. The first letter was denied with no problem with verifying my identity. However, the company is now refusing to delete said information based on identity confirmation.
Consumer complaint received 2023-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

I filed a complaint in XXXX of 2022, and was told through the CFPB that the mortgage servicer had made arrangements to remove my erroneous lien. The mortgage servicer stated in their response to the CFPB that they would need 30 days to remove the lien. I followed up with the CFPB stating that the lien was not removed. Now, 6 months later, it is still not removed. The original CFPB complaint number was XXXX. Please help. It bothers me to see that the complaint was marked closed when the servicer failed to do anything.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX XXXX & I would like to file a complaint on Synchrony Bank XXXX account XXXX. 

I have attempted on multiple occasions to communicate with Synchrony Bank regarding my XXXX  account that they underwrite. The agreed fixed payment with XXXX was contracted at {$85.00} per month, but every statement I receive indicates a minimum payment of greater than that amount. When asked why, I am told that a late fee is added to the amount & thus increases the minimum payment due. The fee is not separated from the minimum payment as a separate charge, so it is impossible to identify why the minimum payment is larger than the agreed amount. 

As of this writing ( XXXX ), all payments due have been made & the account is current, yet the minimum payment reflected on their website indicates the minimum due on the account is {$130.00} ( the contracted minimum payment is {$85.00} per month ). A service representative named XXXX indicated on XXXX that a late fee was added to the payment due, but the payment due date is not scheduled until XXXX. 

A request to change my due date has been denied previously on more than one occasion because the acct was past the due date, but the due date does not coincide with my payroll dates. I have explained this multiple times & no assistance has been rendered & my request for a due date change continues to be denied. 

Please assist if you are able. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX