davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I closed my Capital One credit account due to the company 's unwillingness to help me with a dispute I have with an online retailer. 
After the account was closed, the online retailer credited to the closed credit card account as follows : XX/XX/XXXX {$160.00}, XX/XX/XXXX {$29.00}. To get a refund, I had to send a letter, dated XX/XX/XXXX to Capital One. I advised them we no longer had a " relationship '' and to refund the money to me. In addition, I asked them to pay ME late fees and interest IF they could not make payment within 30 days of receiving it. They sent me a check for {$190.00}, dated XX/XX/XXXX. I did not receive it until XX/XX/XXXX. They were late paying me, for I am entitled to interest at 16.7 % as well as late fee of {$35.00}. Total due me is {$37.00}. If I had paid them late, I would have gotten a {$35.00} charge, and if I did not pay my monthly balance in full, the interest rate on the account was 16.71 %. I should be given the same terms when they fail to pay on time.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (DE)

On or about XX/XX/XXXX I received a letter from XXXX that they received a negative finding from a company called EARLY WARNING, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. This notice stated I could receive a free copy of this report by going to https://consumerservices.earlywarning.comI downloaded the form, filled it out and faxed it in on XX/XX/XXXX.I received this report on XX/XX/XXXX as an attachment to my personal email at XXXX.This report contained every type of identity information known to mankind, specifically Routing numbers and account numbers of banking information, most notably my current XXXX account, and specifically EVERY transaction taking place in my XXXX Account.On XX/XX/XXXX I met with the Assistant Branch Manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  DE T: XXXX and showed her this report.  She stated that she was NOT aware that Early Warning was reporting detailed transaction information on my XXXX Checking account.  She escalated this to its corporate office in XXXX  PA. I received an email from a XXXX XXXX RE: Case# XXXX and her direct line is XXXX.  Because of some medical appointments I was unable to contact her as of the date of this complaint.  Yesterday, XX/XX/XXXX, I spoke to Attorney XXXX XXXX XXXX of XXXX as a telephone consultation. Based on the information I sent him he recommended I contact the Delaware State Attorney General at my earliest convenience.I do believe this is a blatant violation of privacy on both parts of this EARLY WARNING company as well as XXXX as I believe XXXX is releasing this information to EARLY WARNING without my permission and EARLY WARNING is providing it to any company who will pay for the report.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Well known how XXXX  and clumsy equifax is!!!  Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!!  I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!!  ALL this negative garbage already in my credit reports. This is tortuous stupidity trying to scam my credit report with duplicated garbage!!!  PLUS, equifaxs criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new idiotic account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct equifax have malignantly created a new phony collections ( same) debt already reported 3 years ago.  These vile derelicts at XXXX XXXX  have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (AL)

In viewing my credit report information on XXXX I had an alert from a new collection by a company called XXXX XXXX. The account said the original lender was XXXX XXXX XXXX which I have never had any dealings with or knowledge of. There was no date shown as to when the account was opened or transferred for collection. The account number given was XXXX for a balance of {$1600.00}. Either this is a fraudulent account or this company is pulling a scam. I have never received any correspondence from this company. I tried calling their toll free number but there was no answer.
Consumer complaint received 2018-06-21
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. (AR)

XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late.XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.
Consumer complaint received 2018-04-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. 

Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. 

Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. 

In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. 

I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. 

I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. 

As of XX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. 

BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

I have previously filed a complaint XXXX. I feel that the employees are demonstrating a " mean girl '', " bullying '' against me and it is not appreciated nor professional. As a client and member of this institution, I do not feel I have to befriend or snug up to anyone to perform business or deal in day to day transactions. Each and every client and member, active or prospective, should be dealt with in a professional manner. We are not here to make Navy Federal Credit Union employees feel warm and cozy or be their pawns.
Consumer complaint received 2018-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

XX/XX/2018 XXXX XXXX EDT I received a call on my mobile phone from Portfolio Recovery Associates inquiring about a debt incurred nearly 20 years ago.

The call is a suspected robo-call. On pickup, there was a long pause ( where I said " Hello? '' multiple times ) until an agent connected and began to ask me for verifying information before stating the purpose and company affiliation of the call.

Once I became aware of the nature of the call, I interrupted the agent to say " Not interested, goodbye, '' and hung up the phone. 

My understanding is that a class action lawsuit has already been filed against this company for their robo-call practices ( I was involved in that suit ). I write this complaint to you with suspicion that they are again using these practices to harass people. Please investigate if there are enough reports supporting this claim.
Consumer complaint received 2018-06-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

In accordance to FCRA Section 609, this accounts was further disputed in XX/XX/XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and this accounts to all 3 credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. The account needs to be removed. I will also be filing a complaint with the Attorney General as it is within my rights
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services (CA)

XX/XX/2018 called said they tried to serve me at my job I don't work so not possible. Said if miss court date used foul language. Call back number is XXXX.i located them to be in Pennsylvania. When I asked for company name they said Cordova and wexler when asked for address they hung up.i called back voicemail said 8 by 8.didnt give me case number asked for personal information.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to XXXX   last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX  XXXX developed one credit model called " Custom '', TransUnion developed the " CreditVision '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : TransUnion Custom Lack of substantial credit history - XXXX   Recently opened auto loan account or no auto loan on report - TI TransUnion CreditVision Age is XXXX and average number of months trades on file is XXXX Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. Optimu Months since most recent credit card opened is XXXX to XXXX. Optimum None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX What if
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CA)

Im writing you this letter to inform you that XXXX XXXX  will not take this one late payment off of my three credit reports. I have sent them all paperwork too show I have had mail theft in my neighborhood, and it's been going on for a long time, so when I first got my credit reports I noticed things that weren't right that were on my credit reports. I started investigating all of my accounts. XXXX  was one of them, it was showing I was late on XX/XX/2014, I had called and spoke to a supervisor, and a lot of there employes that worked there, so then they sent me papers too fill out, and i sent them back and that went on for about 4-5 months all of this for one late payment on my target account, that was for a late payment, and it wasn't my fault it was due too the mail theft.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX I worked with a Bank of America Rep to setup auto-pay on my credit card account.

XX/XX/XXXX I was told my auto-pay payment was active.

XX/XX/XXXX I received Billing Statement stating that the auto-pay was active.

XX/XX/XXXX I received credit alert that I had deliquent account.

XX/XX/XXXX Bank Of America Rep says auto-pay was pending, will be active next bill cycle.

XX/XX/XXXX & XX/XX/XXXX I am refunded for late payment and interest fees associated with the error from the auto-pay setup.

XX/XX/XXXX My account closes the year with no fees or interest charges. 

Bank of America removed the fees associated with the auto-payment error but has not removed the 30 days late from credit reports.