davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
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. (NE)

I have disputed debt accounts with Experian regarding accounts from XXXX XXXX  and XXXX XXXX. XXXX  is not able to verify my debt accurately and according to FCRA.

I called them on XX/XX/2018 requesting verification of debt. I was told that I would be mailed verification within two weeks ; I have yet to receive any verification. XXXX has sold my debt to a debt collector with whom I have no contract with and they refuse to accept payment of my debt. I also never received notice that my debt had been sold as well ; This violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I requested that each common verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA. Experian failed to collect the proper information as asked for above and never verified the information.
Consumer complaint received 2018-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (PA)

The phone calls need to stop. 

First call : XX/XX/XXXX. I was working. Ignored. 
Second call : XX/XX/XXXX. I was working. Ignored. 
Third call : XX/XX/XXXX. I was working. At this point I was going to tell them to leave me alone. 
Fourth call : XX/XX/XXXX. I was working, but I told them to stop calling me especially during work hours. 
Fifth call : XX/XX/XXXX. At this point I told them if they called me again I was going to report them because I am on the donotcall list and I requested to be left alone. 

They called again twice today at XXXX XXXX. No response, I ignored them.
Consumer complaint received 2018-02-17
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: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX. Phone number XXXX. This company has any hard Inquiry on my credit report. I never heard of the company. I called XX/XX/XXXX and spoke with XXXX. He couldn't pull up any information on the account. He tried by using my full name, social, birthday, address, phone number. He was not able to find anything in the system. I would like for this to be removed from my report please.
Consumer complaint received 2018-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Independent Dealers' Advantage, LLC (SC)

On XX/XX/XXXX, I made my car payment of {$420.00} cents as I do every month on the XX/XX/XXXX. My car payment isn't due until the XX/XX/XXXX of each month, but I pay it early each month. This particular month, I didn't know that I would be trading my car in on the XX/XX/XXXX ( which was an upside down loan, the car was worth less than I still owed on it, and the interest rate was absolutely horrible, as well as the company who it was financed though. ) This amount was never applied to my loan balance until the XX/XX/XXXX. I attempted to get my money back from the company and my bank, XXXX. The company ( IDA, Independent Dealers Advantage..a perfect name for them btw, as they take advantage of people with their predatory lending ) was contacted on the XX/XX/XXXX and XX/XX/XXXX asking how I could get my money refunded, as when I traded the car in on the XX/XX/XXXX, the car was paid off by the dealership that I'd received my new car from. I was told that I would need to reach out to my bank XXXX in order to get my money refunded. I did that and had to file a dispute of payment on my debit card. My claim was denied as XXXX claims that it was a valid transaction. I never said that it was not a valid transaction and that is not the reason that it was disputed. I disputed it as i was told by IDA that was the only way I could get my money refunded. This charge was pending on my account until XX/XX/XXXX, which is after my car had been paid off by the dealership who gave me my new car. It was applied to my payment after the fact that the car had in fact been paid off. Before I attempted to file a dispute claim, I tried to do a stop payment with my bank. I was told that since the payment wasn't showing as a recurring charge on their software, that it couldn't be stopped. I can show a years worth of payments made on that same date if needed. This company also screwed me out of a GAP insurance refund as well, which I know for a fact that I was suppose to receive as well, as I'd never used the insurance and since the car was paid off when it was traded in, you're suppose to receive a GAP insurance refund. I contacted the company about that as well, and was told that there was not a refund to be given as the insurance was added on to the loan at the time. All I would like is my money back, as it was applied to my car loan after the fact that the car was traded in and already paid off. I would also like my GAP refund to be given. This company is the absolute worse ( Just search their name on XXXX and see all of the terrible reviews and how they take advantage of people ) and XXXX failed me with their dispute system, as the reason they gave why the claim was denied had nothing to do with the reason the claim was filed in the first place.
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (NC)

Ally was overly paid funds that exceeded the total asking price of {$24000.00}. I was involved in a car accident on XX/XX/XXXX. I was rear-ended by another vehicle which subsequently totaled my vehicle, XXXX XXXX XXXX, that was financed through Ally Financial which defrauded myself, the customer, by over charging excessive billing amount that were never agreed upon nor negotiated at time of contract. The XXXX dealership in XXXX took XXXX down payment from my trade in vehicle which automatically would be subtracted from the total agreed upon negotiated price of {$24000.00} leaving a balance of {$20000.00}. XXXX XXXX XXXX was the at fault insured driver insurance, which paid {$12000.00} to Ally Financial directly, leaving a balance of {$7500.00}. I also had GAP Insurance which covers any unpaid balance associated with the vehicle liability loss, which paid {$6400.00} to Ally Financial directly, leaving a balance of {$1000.00}. Also a service contract was paid t o Ally Financial for {$140.00} leaving a balance of {$940.00} I was told by Ally Financial representative that I paid a total of {$5600.00} from XX/XX/XXXX through XX/XX/XXXX/but only {$2600.00} will be applied towards the principal balance, resulting in an overpayment of $ XXXX/ {$1700.00}. I've reached out to Ally Financial on numerous occasions to rectify this matter and they have not resolved this issue at all. Instead Ally referred me back to XXXX and requested that I pay Ally Financial an additional amount of {$2900.00} to resolve the amount of the debt.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I've had a XXXX XXXX XXXX credit card for several years. I made a purchase for {$23.00} on XX/XX/XXXX. In XX/XX/XXXX, I discovered I was a couple days late making my payment and called their customer service on XX/XX/XXXX. The representative said as a one-time courtesy, they would remove the late fee of {$23.00} plus {$1.00} interest from my account if I made my payment right away. I made my payment of {$23.00} on-line, and trusted that the issue was resolved that day. 

I routinely pay my credit card balance in full, and I received no correspondence ( mail, email, or phone ) about the late fee NOT being reversed as was promised. Because the representative had not reversed the fee, I discovered today ( XX/XX/XXXX ) that after I paid my balance, not only was the late fee/interest not reversed, but I was charged {$24.00} on XX/XX/XXXX plus interest and {$29.00} plus interest on XX/XX/XXXX. The total in late fees and interest is now a balance of {$81.00}, even after my balance of {$23.00} was fully paid on XX/XX/XXXX. This does not seem fair or accurate to me, as the customer. 

I believe the company allowed these late fees and interest rates to compound, without contacting me by phone or email, as it is to their advantage to charge the customer more. This is completely unethical. I have had a consistently high credit rating, and trusted that this issue would be resolved by calling XXXX XXXX today -- however, they wish for me to submit information to their billing dispute department to resolve this. 

The issue at the heart of this is that their representative didn't follow through with what she promised, and now I'm required to prove this. This should not be left to me as the consumer to correct -- the company needs to take responsibility for this failure of follow-through.
Consumer complaint received 2018-12-19
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. (NJ)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2018-04-03
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: CarMax, Inc. (AZ)

According to your letter, it states that Carmax didn't receive my payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, until XX/XX/XXXX. How could you have missed those three payment that are clearly shown directly in the middle of the page that reads XX/XX/XXXX payment {$310.00}, XX/XX/XXXXpayment {$310.00}. And XX/XX/XXXX payment {$310.00}. How can Carmax reverse payments they so-called never recieved? Obviously XXXX XXXX XXXX has fraudulent record keeping. Furthermore I sent all three payments again in a lump sum of {$1300.00}, that was three payments and the sum of {$470.00} for the tow fee by the repossession company. I also believe Carmax is trying to fraudulently add late fees to my account, my payments are due on th XXXX of the month and I always pay on the XXXX and yet Carmax still applies late fees for ON TIME PAYMENTS. I will be seeking {$5000.00} for each occurrence in a court venue to me with factual proof that my complaint does have merit, and I'm owed {$20000.00} in restitution.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

am writing to formally request the blocking and deletion of specific accounts on my credit report due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I AM A VICTIM OF ID THEFT I DID NOT GIVE ATHORIZATION TO THESE ACCOUNTS TO RUN MY CREDIT PLEASE DELETE XXXX  XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hello, I see on the XX/XX/XXXX at XXXX the ETHEREUM was valued at XXXX USD. 
I attempted to login and sell, as indicated in the email above with the exact timestamp as evidence. You can see I informed you of my intention of selling immediately all my ethereums. 
Therefore, I complied with Terms and Conditions, in particular : " 3.2. Digital Currency Transactions. Coinbase processes supported Digital Currency according to the instructions received from its users '' In panic, seeing that I could not access my Coinbase account for hours ( same as the night before ) and seeing the value dropping significantly, I sold as soon as I managed to login which was many hours after on XX/XX/XXXX XXXX XXXX  ( reference XXXX ). The rate was much lower, I had very limited choice. 

I am very unsatisfied with the situation, this is my first experience with Coinbase, and it was very unsettling and worrying. You are supposed to be in Finance and offer decent access so the customers can access their account 24/7. What occurred was very stressful and unsettling, I even worried it was like " XXXX XXXX '' and that I would lose all my invested assets. 

Now, I am willing to continue my adventures with Coinbase, but I am very unsatisfied with the loss I have suffered due to your technical issues. 

I inform you that I am currently looking with my legal assistance, and with the report to the US Consumer Financial Protection Bureau. 

After that, I have created several support tickets in your system, each times they were answered by generic copy/paste answer not actually related to the issue, and often the tickets were closed despite me stating clearly the issue was not resolved.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX credit bureau has allowed XXXX XXXX to violate my fair crediting act rights in closed and is complaint I will show that the account for XXXXXXXX XXXX is a illegal account the account is over 15 years old the account was originally open XXXX of XXXX we are now in XXXX of XXXX by fair crediting act laws This account should have deleted 7 years ago XXXX XXXX had no rights to the account from the get-go the original creditor was XXXX XXXX XXXX XXXX  has no information on this account because they closed it because they were sent a cease and desist in XXXX They have no knowledge on how XXXXXXXX XXXX even receive the account and told me not to pay XXXX XXXX anything because they can not collect on a debt that is past 7 years old to begin with XXXX XXXX has uploaded more than {$86.00} negative remarks the account is showing closed but it's showing that it was sent to a lawyer and to a debt collecting agency within the company that is all a lie that is incorrect information They lied to experience and said that the account was open XXXX of XXXX which is another lie and it was done purposefully by XXXX credit I was threatened by this company several times through phone calls This company has been sent a cease and desist I will enclose my original credit report from XXXX that shows the account from XXXX XXXX the original account and the account was open in XXXX of XXXX not XXXX of XXXX like XXXX XXXX reported on my credit report This company needs to be stopped I want all information from XXXX XXXX removed from my credit report immediately delete it completely all negative remarks to be deleted
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove or correct inaccurate information on a consumers credit report. The FCRA, specifically in 15 U.S.C. 1681i, outlines that when a consumer disputes information, the credit reporting agency must investigate the claim within XXXX  days. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly removed, corrected, or updated on the consumers report. 

Furthermore, the FCRA mandates that data furnisherssuch as lenders or creditorsmust only report accurate information to credit reporting agencies. If an error is identified, the furnisher is responsible for updating it to ensure that the consumers report remains accurate, current, and fair. XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681, the FCRA gives consumers the right to dispute inaccurate or incomplete information on their credit report. If a consumer identifies late payments that are reported inaccurately, they can request an investigation by the credit reporting agency. The FCRA mandates that credit reporting agencies must verify the accuracy of reported information and correct or delete any disputed data that is proven inaccurate, incomplete, or unverifiable within XXXX  days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This act, found under 15 U.S.C. 1692, applies to debt collectors rather than credit reporting agencies, but it is relevant if a debt collector is reporting the late payment information. The FDCPA prohibits debt collectors from reporting false information and requires that any disputed information be reported accurately and updated as necessary.

XXXX. Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1601, the TILA mandates that creditors accurately disclose credit terms, including payment history. This law enforces that creditors report accurate payment information to credit bureaus, including the timing and status of payments.
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AZ)

I received a letter XX/XX/18 It stated I owe XXXX XXXX for over {$2000.00}. 
This is the first time i have seen anything regarding this. 
It does not show on any of my credit reports, nor XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like more information regarding this account. When was it opened, why is it not on any of my credit reports and why is this the first time I'm hearing of it? 
I work Monday - Friday XXXX - XXXX Please call me hours other then those time or email me with information. Thank you. 
XXXX XXXX
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

I was residing with a person who was renting a home, I was not on the lease as a person responsible for payment. Just an additional person living in the home. I am receiving letters that a debt has been sent to a debt collector. When we moved out the balance was {$0.00}, no deposit was returned, property was not damaged, no letter was sent to a final bill or money owed, no contact with the property manager from XX/XX/XXXX until XX/XX/XXXX when I received a letter. I responded with a written response that I deny the debt. I didnt hear anything else. Then XX/XX/XXXX I was sent a letter with a lesser amount to pay. I was never advised of this debt before it went to collections and they did not notify the resident responsible for payment. XXXX XXXX did not send a bill or communicate before the collection agency and this is not proper. They can not produce verification of the debt but we have paperwork with a XXXX balance. Debt was sent to Rent Recovery Solutions LLC, who hold many complaints of misconduct and fraud.
Consumer complaint received 2018-02-17
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: Trojan Professional Services, Inc. (CA)

For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXXand the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXXand I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims