davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.v
Consumer complaint received 2022-04-18
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)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Consider this complaint as my follow-up to my previous letters dated XX/XX/XXXX. 
My previous complaint contains these items which are presented to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (MI)

I reviewed my consumer report and noticed some late payments on there from XXXX XXXXXXXX. Consumer reporting agencies have assumed a vital role and have responsibility to report complete and maximum accuracy on a consumer report in complete with regards to 15 USC 1681e. Furthermore I am demanding the late payments be deleted and the XXXX XXXXXXXX account be marked Paid As Agreed in accordance to 15 USC 6802 and 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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. Please delete the accounts : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$450.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX  Balance : {$32000.00}, Bankruptcy XXXX XXXXXXXX Reference XXXX
Consumer complaint received 2023-04-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I had a credit card from XXXX XXXX ( credit provided by XXXX XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by Portfolio Collections claiming I owe XXXX for this same account in the amount of {$420.00}. I provided proof 3x ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that XXXX is saying it 's valid. But when I contacted XXXX they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.
Consumer complaint received 2023-04-20
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is the several time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Consumer complaint received 2023-04-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (ID)

On XX/XX/2023 I sent NMAC ( Nissan Motor Acceptance Corp ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXXXXXX XXXX. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been LONGER THANK 5 years to the day since the car was turned in back to them. They received the letter and signed for it but I have heard absolutely no response from them at all and they refuse to transfer me to that department claiming that department doesn't have phones! Ha! I was assured by Nissan motors acceptance corporation that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!
Consumer complaint received 2023-04-20
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2016-11-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I did a refinance on my home and included my Bank of America credit card to be paid off in the refinance. I gave the mortgage company a copy of my current statement to be able to pay the account in full. They did pay the amount that was listed on the statement as New Balance Total by the due date. Now Bank of America is charging me additional interest from the monthly closing date till the date the account was paid supposedly in full. How can they charge interest above what they have referred to as New Balance Total when it is paid before due date. I have never had another company charge interest if the account was paid in full before the due date. It makes me wonder how much money the are making off people who have not noticed this and just paid them. One more way to stick it to the consumer. Could you please look into this and get back with me. Thank you.
Consumer complaint received 2023-04-20
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One took my payment made on XXXX XXXX, 2016 and did n't apply the payment to my credit card account thereby leaving an outstanding balance of {$430.00}. I should have Zero Balance with a credit of {$38.00} Dollars. 
Because Capital One stole my payment of {$470.00} and did n't apply it to my account they messed up my Credit Score and brought it down to XXXX. I use to have a Credit Score of XXXX or higher. 
I went to purchase a car and because of Capital One my interest Rate was XXXX per cent and I had pay {$2000.00} Down Payment. I want Capital One to apply my payment of {$470.00} and Close the account in good standing stating the account was paid in full with no missed or late payments every month.
Consumer complaint received 2023-04-19
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: National Credit Adjusters, LLC (TX)

Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.
Consumer complaint received 2023-04-20
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. (SC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WV)

Care credit by synchrony bank.. I got a card to help pay some for some dental work being done. I made my first payment in XXXX of XXXX dollars. I got no communication from the company that the payment wasnt processed, I then paid my XXXX and XXXX balance on XX/XX/XXXX online then called I and the automated system confirmed the payment. I proceeded with everyday life and tried logging in today to pay my XXXX balance to get a month ahead and found my account closed without notification or communication as to why!!!! They said my payment of XXXX for XXXX and XXXX had been declined and not process while the automated system told me it was processed and so did my online account. I would like my account restored due to no communication from the company of my payments not being processed. I did pay the balance and a month ahead today and have another confirmation number.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I noticed an error on my Equifax and XXXX XXXX reports who are reporting a bankruptcy that has been unverified. I requested numerous times for both agencies to verify this item, reinvestigate and to disclose the method of verification. I know they did not investigate this after numerous attempts to request an investigation. I sent a letter on XX/XX/XXXX to both credit reporting agencies requesting the methods of verification in which both listed XXXX XXXX. However, the credit bureaus neglected to contact XXXX XXXX although they stated that they did. I contact XXXX XXXX back on XX/XX/XXXX to request verification as well, and they replied that they were deleting this and updated my XXXX XXXX report so it no longer is reflecting a bankruptcy since it could not be verified. I responded to XXXX XXXX requesting that they disclose who they verify bankruptcies through, in which they replied that they use XXXX a third party reporting agency. This agency receives information from the courts, including the alleged court reporting a bankruptcy. The St Louis Bankruptcy Court stated they provide no information to any credit bureau or reporting agencies. I requested that the credit bureaus delete the bankruptcy being reported since they are still claiming that XXXX XXXX verified this public record, however I have provided copies of the letters that I received from XXXX XXXX that they confirmed they deleted the bankruptcy record and it is no longer on my file with them. They refuse stating they verified with XXXX XXXX still. However if they truly did then they would have found that XXXX XXXX is no longer reporting the unverified bankruptcy. Please investigate this matter so that I can have this unverified public record of a bankruptcy removed since it is damaging my credit report. The credit bureaus have failed to verify with XXXX XXXX after numerous requests, and copies of letter from XXXX XXXX that I have submitted to them have been neglected.
Consumer complaint received 2019-02-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: DISCOVER BANK (MI)

From about XXXX to XXXX Discover bank tranfered money from my other charge cards adn from their charge card to a fake discover card that they or someone ueing their sites> I called them evry month NO help I stop paying these illegal tranferes in XXXX. The amout that they took from me is over {$30000.00}!!!! 
I recieved a Tax form XXXX on XX/XX/XXXX stating that theycancelled a dept of {$6200.00}! That was money on the {$10000.00} that the took from my charge card that I had with them minus the money I payed them brfore I stop payment due to them illgelly taking money from my other charge cards and MY BANK!!!! 
They did take me to courtin XXXX. And they droped the case when I proved that the took money illegally from me!!!
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company (IL)

Last year I cancelled my XXXX and they continued to bill me for months. In addition they would not even except their equipment back for a time. 
In the summer, bill collectors began calling me, asking for hundreds of dollars. 
I owe them {$50.00}. 
They are asking for a {$120.00} and placed me in collections on XX/XX/XXXX. 
The account was opened XX/XX/XXXX.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

RE : Bank Of America Student Credit Card / Timeline of ReportingThis complaint shall serve as formal notice of my Intent to file a lawsuit against Bank Of America, due to its ' blatant and objectionable disregard of the law. 

I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

This is not a request for validation or verification. 

Violations FCRA Section 611 Part ( A ) ( 1 ) {$1000.00} per violation. 

cc : Law Offices of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Board Of Governors Of The Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXcc : Office of the Comptroller of the CurrencyXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-06-21
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. (MD)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please correct the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2019-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX at approx. XXXX my XXXX XXXX XXXX   was repossessed by XXXX XXXX XXXX XXXX XXXX on the request of ALLY Financial Online - IRepo .

for late payments as follows : ( i ) 1 of {$220.00} and 2 of {$280.00} = {$790.00} ( ii ) Late Charges = {$110.00} and ( iii ) Expenses ( Retaking and Holding said vehicle ) = {$400.00} a total of {$1300.00} which was PAID on XX/XX/XXXX. ( 1 ) After paying the FULL total of {$1300.00} and the Towing company Charges of {$95.00} ( Storage = {$20.00} and Handling fee = {$75.00}. ( NOTE : The Towing Company would not release the vehicle unless it was satisfied that ALL payments were made. I left with my vehicle at approx. XXXX. Ally Auto Financial then sent a bill with a {$240.00} MISCELLANEOUS Charges. When I enquired they told me its from the Towing charges, REMEMBER they already charged me {$400.00} for Retaking and Holding vehicle. ( 2 ) I decided to PAY off the vehicle to avoid any more problems with the bank and on XX/XX/XXXX I called and requested a Pay-Off Quote and was given a quote of {$5100.00} good for Ten ( 10 ) days.I PAID with a XXXX XXXX Cashiers check for $ XXXX.I then went to the USPS Postal Service and mailed the check Certified Priority - Express, Tracking # XXXX XXXX XXXX XXXX . delivered XX/XX/XXXX @ XXXX. ALLY AUTO acknowledges receipt of the check which was posted on XX/XX/XXXX ( Four ( 4 ) days later and well within the Ten ( 10 ) day time limit ). I was told that I would get my car title within Fourteen ( 14 ) business days Confirmation # : XXXX. I then got a bill that I owe {$31.00} MISCELLANEOUS Charges. XX/XX/XXXX I submitted a complaint to the Florida Office of Financial Responsibility ( OFR ) who notified me that they mailed your office a copy of this complaint. I still have NOT heard from ALLY AUTO or received my Title. I believe I was robbed by the bank of the {$240.00} MISCELLANEOUS fees and would like to be reimbursed and given the title to my vehicle. Thanks for taking the time to investigate this request. I have all available documents, if requested.