davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (IN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

I received a closed-end installment contract account from World Finance in XXXX, GA dated XX/XX/2021, which I signed. The original loan amount was {$900.00}, with a finance charge of {$240.00}, which equals {$1100.00}. However, I only received {$680.00} out of the {$900.00} loan on my debit card. This means that someone else received the remaining amount of {$220.00}. I would like to know who. 

I am confused as to why I only received a partial payment of {$680.00}, and still have to repay a loan World Finance Company financed in the amount of {$900.00}. The loan was reported as a past-due balance owed in the amount of {$900.00}, by the creditor World Finance XXXX XXXX , and reported collection past-due balance of {$1100.00} by XXXX XXXX XXXX XXXX on my credit report at the same time. The loan was reported as past due and sold to XXXX XXXX XXXX XXXX but the reported balances ( {$900.00} and {$1100.00} ) are inaccurate. 

The loan amount of {$900.00} plus the finance charge of {$240.00} does equal {$1100.00}, but since I only received {$680.00}, the reported amount is past-due owed is incorrect. In summary, my loan was only financed for {$680.00} which I received on my debit card from World Finance XXXX XXXX XXXX, not {$900.00}, and the reported balance of {$900.00} reporting inaccurate past due balance owed on my XXXX credit report is inaccurate. The correct balance past due owed is {$680.00}, which I received out of the financed loan of {$900.00}.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MN)

The following information currently listed and showing on my Early Warning Services Consumer Report ID : XXXX is fraudulent and unauthorized : 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
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-18
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: GOLDMAN SACHS BANK USA (CA)

I ( XXXX XXXX ) am currently in the middle of buying a property, when my lender ran my credit score I came to know of a non-authorize/fradulent account under my name with GS Bank ( Goldman sachs and co ) I tried calling them XX/XX/XXXX and once again today XX/XX/XXXX gave them all the information possible ( phone number, address, ssn, name and date of birth even account number showing on credit report ) and they/Goldman Sachs were still unable to find the account.

They Golsman Sachs did confirmed they will open an investigation.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Last XX/XX/XXXX, I acquired a car through the financial company. The amount that was agreed to pay was {$17000.00} plus the XXXX that were given in the firm a total of XXXX 1 car of XXXX excessive but we accepted After two years and seeing the need not being able to pay the car a year and a half we decided to return the company, he offered the possibility of giving it to him to sell it at auction and thus be able to reduce the debt To call to let us know how the situation is. The surprise is that they tell us that that {$20000.00} car was sold for XXXX, we understand that it is a scam and also that the debt we have with them amounts to {$25000.00} as it can be after paying {$7500.00} of the XXXX and the car and even seeing the double they tell us that the problem is that the interest is more than 25 % which they never explained to us We understand that We can pay our report. It's damaged. They don't want to sell us more cars at any dealership and the only solution they give us is to make a five-year payment plan and continue paying interest. Honestly, a scam and abusive
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (GA)

VW credit has reported me 30 days past due in XXXX. The payment was made prior to be 30 days. VW is intentionally causing me undue stress and reporting false information. 

I experienced fraud on my checking account which caused a hold on my checking account. My bank immediately reissued payment to VW credit prior to 30 days. 

VW credit has been unwilling to assist me in removing this 30 day reporting although I have been dealing with them over a decade. 

I am intentional about paying bills timely. VW credit is intentional about destroying my credit.
Consumer complaint received 2024-02-07
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 (TX)

My wife and I receive at least 10 calls daily. When we ask what this debt is for, we are told they are unsure, and they will send information through mail. We have no idea what the debt is for or why they continue to harass. We owe nothing to Portfolio Recovery.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023 an inquiry from KOHLS/CAPONE appeared on my credit report. I have never attempted to open a credit card with Kohl 's or Capital One. When I called the number in the report the representative claimed that they were unable to find the request that would have led to the inquiry. They told me that the inquiry should disappear from my report within a couple of days. It is still on my account.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

Sincerely.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2023 signed up for free 7 day trail, On XX/XX/2023. I tried to cancel which the web site does not allow. Called XXXX XXXX XXXX, 6 times, pressing prompts etc. no response, no live person and the phone hangs up six times. Completed contact form three times expressing I want to cancel, no response. The seven days end today, I can't cancel so I'm forced to pay the monthly fee. This is deceptive practice and I have no desire to pay for annual credit reports monthly.
Consumer complaint received 2021-12-07
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. (PA)

I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete : 1. Public Record ( Bankruptcy ) ; 2. Accounts in collection / charge-offs ( if any ) ; 3. Negative / late payments from open and closed accounts ; 4. Inquiries, soft and hard ; 5. Personal information ( addresses, telephone numbers, Spouse/Co-Applicant, Employers ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify these records/accounts, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate the accounts and other records I disputed ; Some items may or may not have gotten removed already but the most impacting to me is the Bankruptcy record which has not been deleted yet. This company along with the furnisher ( XXXX ) claim to have obtained this Bankruptcy record from local/state/federal courts but in the evidence I attached, you can see that United States XXXX Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, however, as mentioned, this record was furnished to this reporting agency by XXXX who is a reporting agency ; Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the XXXX  record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and Equifax does not have any address at all ; I asked for documentation to be provided to me if any of my disputed items/records can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist. 

Proof of the letter from Court and portion of my 3 consumer reports are attached.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC (IL)

TOTAL VISA closed my credit card account but failed to return the interest that has been made from the application that is the collateral for the bank. Since Total Visa closed the account and I no longer can benefit from credit transaction then I have exclusive equitable interest in the asset which the security is mine and all profits should be returned to me. The Federal Reserve Act strictly prohibits banks from using their assets or requiring anything other than notes, bills, and drafts for collateral of repayment of XXXX received furthermore Total Visa knows the application can be used to make millions in profits and also trade on the app. Knowing this and alleging I owe a debt and then selling the information to damage my report is knowingly committing fraud. 
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( XXXX ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( XXXX ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( XXXX ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( XXXX ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( XXXX ) Communicating with a consumer regarding a debt by post card. 
( XXXX ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2024-02-13
Product: Credit 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: TRUIST FINANCIAL CORPORATION (GA)

To whom it may concern, My credit card company system or whoever is working on my credit card is not doing me know good than XXXX frustrating, stressing me out. As of today XXXX XXXX, my XXXX XXXX is XXXX because of what's going on my both truist bank credit card. All started when i received alert on my phone about transaction that i did not authorized on XXXX XXXX XXXX, i call truist bank credit card department and report it right away. The rep block my credit card and issued new one, the rep told me that. The transaction will be adjusted on my account the next day, three of the transaction was adjusted accept one which doesn't make any sense. I called truist credit card department to find out why three not all the four and the reply the rep give me was that. The person who is working on my account said he will adjust it and that's the end of it, truist bank system also automatically stuck with {$400.00} transaction i made in XXXX XXXX, pending for three weeks at same time automatically subtraction {$400.00} every three days. repeating adjustment transaction every week. I complain about this issue to truist bank headquarters by phone call over and over, i sent email to truist bank operation manager XXXX XXXX and and he replied saying, he will get back to me and that's the end of that too. I received a letter from truist bank on XX/XX/2024, on the letter it show adjust on my account total amount {$1900.00}. The adjustment was made XX/XX/2024, with case number and reference. As of today, nothing on my account, XXXX XX/XX/2024, i went to truist bank branch on my location to ask the branch manager to take a look into my account and tell me what's going on, even he the manager could not understand what's going on my account. The branch manager called truist bank credit card department and identify himself and ask the rep to look into my credit card account and explain to him what's going on. For our surprised, the rep could not figured it either, one of my truist credit card, the XXXX billing statement came to be four and the other one is two statement in a month. The available credit amount on one of my card should be {$4700.00}. and other one should be {$4300.00} available. I made a mistake on the amount i submit before.
Consumer complaint received 2024-02-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

I NEVER lived at this address. I NEVER signed a lease for this apartment complex so the deposit owed is not correct. 

Amount for {$600.00}. Then they changed it to $ XXXX or so. 

They allege that the lease started XX/XX/15, and that I moved in XX/XX/15. I did not.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (TX)

Inquiry date- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , sd XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX/west lake finance RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,