davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (TX)

WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY FICO MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. 

NOTICE : TWO SPECIFIC AGENCIES [ TRANSUNION AND XXXX ] REPORTING OLD OUTDATED FICO MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND TRANSUNION IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY FICO. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2018-04-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I had disabled the overdraft facilities so that I would not get OD charges. But I got it again. This time they said that the OD that is disabled is only valid to card transaction and not account transfers ( like XXXX ). Also, within 15 days, I got charged {$90.00} for Sustained Od along with {$35.00} OD charge. 

After calling them, they decreased {$35.00} OD charge and {$30.00} on charges but not all. The fact that they are agreeing to refund about 50 % doesn't mean that they are at mistake. 

XX/XX/XXXX Fee Rebate Dda Credit {$30.00} - {$90.00} XX/XX/XXXX Fee Rebate Dda Credit {$35.00} - {$120.00} XX/XX/XXXX POS Credit Dda Credit {$49.00} - {$150.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$170.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$140.00} XX/XX/XXXX Fee Overdraft ( 1 At {$35.00} ) |eNotice - {$35.00} - {$110.00} XX/XX/XXXX Preauthorized Debit XXXX Inst Xfer - {$95.00} - {$80.00}
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau Transunion and XXXX have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable
Consumer complaint received 2018-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Spoke with Bank of America on XX/XX/year> regarding unauthorized charges to my bank account from XXXX going back 78 days ( per BofA 's regulatory requirement ) There were 5 of them. Was credited for 4 of them. Bank of America says they can't credit back the XXXX one on XX/XX/year>, because it was already credited to me. Obviously it was not. They supposedly put a block on my account to prevent any more charges from XXXX. Based on my interactions with their service people over the phone and their inability to find any record of my calls, I am not sure this has actually been done.
Consumer complaint received 2022-08-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I closed on my home in XX/XX/2022. I made XXXX payment with the XXXX XXXX XXXX before my loan was sold. I made XXXX payments, which included extra money to be applied to principal and escrow to the new mortgage service provider XXXX XXXX XXXX. I have the bills reflecting the due dates and proof from my bank statements. My mortgage was sold again late XXXX to Loan Care. I didn't even receive my first bill until XX/XX/XXXX from Loan Care. An error was made and they said I was due for XXXX but I had previously paid the old provider. I called immediately and was told to wait for their accounts to update. I waited, it never updated. I called back and was told I was due even though I have proof. I called my old provider, XXXX XXXX XXXX phone XXXX and they said I wasn't due until XXXX. They sent me proof via email and are mailing me proof of this as well. I made an additional XXXX payment with Loan Care under duress so it didn't injure my credit because they said I was going to be charged fees if not paid by the XXXX and it takes time to process! However that should reflect my XXXX payment as paid and it does not! Again I have multiple documents if needed. Thank you for the help.
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I have sent a " validation letter '' to XXXX XXXX XXXX XXXX in XX/XX/XXXX via certified mail and got a response on XX/XX/XXXX. PRA, LLC has responded with copy of a bill in which does not meet Federal Trade Comissions guidelines of what constitutes proper debt validation. So I sent a second letter of " validation '' on XX/XX/XXXX via certified mail and was received on XX/XX/XXXX and received a response on XX/XX/XXXX. From countless hours of research I have found that an original contract with my signature constitutes " validation '' and one was not provided to me as requested. In their second letter response and I quote " Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous dispute substantially the same as your present dispute. Because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) of the Fair Credit Reporting Act. 

If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers the matter closed. '' I am simply requesting XXXX XXXX XXXX XXXX to "  validate '' their claim by sending me a copy of the original contract with my signature and I will pay the debt in full. I am trying to take care of old debts so I can start new path for me and my children 's future.
Consumer complaint received 2021-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (UT)

I applied for a loan of {$300.00} online and it took me to speedy cash. I was told that the loan would be in my account in XXXX hours this was in XXXX XXXX XXXX It took them a week to get it to my account. And they were taking payments out even on days they shouldnt. I had someone call me from speedy cash and ask for a payment and I gave it to them and so they could make sure who I was they asked for my social security number and I gave it to them. Well next thing Im getting a call from my bank saying there was a transaction of XXXX on my account and even XXXX which I didnt have. I told them it was me and the payments too place in Texas I was in Utah. They got there money and then some. Now my social security number has fraudulent activity on it because of these guys.
Consumer complaint received 2023-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (SC)

I had a loan with XXXX who was charging me over 100 % interest they sold the debt to another debt collection agency and now that collection agency has sold the debt yet again and is just now furnishing it to my credit report.
Consumer complaint received 2022-08-11
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : 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 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

on XX/XX/2018, I went to my local TD Bank to withdraw funds from my TD debit card. When I tried to withdraw XXXX dollars, the ATM at the TD Bank would say it could not process the transaction. I tried the only 2 ATMs there and it would not withdraw funds because it was " Unable to process the transaction. '' It was after bank hours so I couldn't speak to a representative. And I had about one thousand dollars of available funds so there was no reason why my withdrawal could have been declined. 

I had to use my XXXX XXXX XXXX ATM card to withdraw funds from that TD Bank. I was able to but was charged 3 dollars from TD Bank and also incurred a {$2.00} fee from XXXX XXXX XXXX, totally {$5.00} in fees because the ATMs couldn't withdraw from my card. 

I went to TD Bank the next day and told them what happened. We tested the card and it worked fine. There was nothing wrong with it. The banker said it must've been the machines. At this point all he could do was file or log a complaint, but couldn't reimburse me for the fees. He said I would have to speak with XXXX XXXX XXXX since TD Bank doesn't have any fees charged on their end. 

I called XXXX XXXX XXXX and they also gave me the run around, saying that the fees are standard so they couldn't do anything about the fees either.
Consumer complaint received 2024-08-12
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. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: American Credit Acceptance, LLC (TN)

I contacted AMERICAN CREDIT ACCEPTANCE four times prior to filing my complaint with CFPB in an attempt to resolve my concerns and have received a response via mail as of XX/XX/XXXX with them denying all allegations in my complaint. Due to this I am moving forward to file my complaint. 

It was brought to my attention that AMERICAN CREDIT ACCEPTANCE violated several of my constitutional rights and went against The Truth and Lending Act protacal. I pointed out a few violations specifically pertaining to 15 USC 1662 and 15 USC 1605. I purchased my vehicle XX/XX/XXXX from XXXX using AMERICAN CREDIT ACCEPTANCE as my finance company and was told for them to finance the vehicle I was required to put down a {$1300.00} deposit and I would be required to pay monthly installments of {$430.00} after running my social security number and I extended my credit to their company. AMERICAN CREDIT ACCEPTANCE did not provide an option for including liability coverage within the finance charges at all. I was advised to look for my own coverage through a third party. I sent AMERICAN CREDIT ACCEPTANCE a written letter and email informing them of the violations according to 15 USC 1662 and 15 USC 1605 and asked for {$1000.00} per violation mentioned totaling {$3000.00}, payment for insurance premium charges for the full term of my 72 month finance agreement totaling {$14000.00}, refund of my {$1300.00} deposit, and I asked for my vehicle loan to be voided and the title of the vehicle to be mailed to me. AMERICAN CREDIT ACCEPTANCE has refused and is taking no accountability for their actions even with me detailing how they violated so I am reporting their faulty practices. It is completely unfair for companies like ACA to take advantage of people for their own benefit. I extended my credit and their company was able to sell my completed application for the total cost of my vehicle plus finance charges so they have been paid yet they want to be greedy and take even more money from me because they think they can and think no one will stop them. I hope this complaint will get me some resolution and cause them to change their future procedures. What I have requested of them in payment is minimal compared to the damages they have done to millions of Americans thus far. According to 12 CFR 226.2 law and 15 ISC 1637 AMERICAN CREDIT ACCEPTANCE owes me and I expect to receive full payment, for them to void my loan, and send me the title to my vehicle as requested
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On the seventh day of the month of XXXX in the year XXXX, I, XXXX XXXX, the federally protected consumer, identified a clear violations of Fair Credit Report Act ( FCRA ) Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), on my consumer report from XXXX, Experian, and XXXX, the consumer reporting agencies. I am writing to express my deep frustration and concern regarding the gross inaccuracies in my consumer report and the subsequent violation of my privacy rights. The errors in my report have caused me significant financial harm and distress, leading me to lose all faith in our banking system. 

The violating information relates to an account with XXXX / XXXX XXXXXXXX XXXX a financial institution, account number XXXX. Specifically, XXXX, Experian, and XXXX are reporting inaccurate and inconsistent information regarding the Account Type Detail, No. of Months ( terms ), Payment Status, Last Reported, Date Last Active, Payment History : XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX which violates section 602 subsection ( a ) and ( b ) of the FCRA These direct violations of section 607 subsection ( b ) of the FCRA which states : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states that the term " consumer report '' does not include : " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Payment history, when reported by a financial institution, reflects my direct transactional experiences as a consumer. Furthermore, XXXX, Experian, and XXXX are nonaffiliated third parties to XXXX / XXXX XXXXXXXX XXXX  and pursuant to GLBA and Regulation P section 1016.7 ( a ), XXXX / XXXXXXXX XXXX XXXX rights and powers to share my nonpublic personal information have been revoked, meaning information such as Payment History has been reported illegally. 

These violations have resulted in emotional pain and suffering, a significant and unlawful reduction in my credit score, denial of credit applications, higher interest rates and denials in opportunities for employment. 

I remind you that under Fair Credit Report Act ( FCRA ), Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), you are obligated to ensure the accuracy and lawfulness of the information you report. This outdated information is negatively impacting my credit score and does not accurately represent my current financial situation or creditworthiness This information requires amendment to reflect a non-adverse status of the account.
Consumer complaint received 2024-08-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX
Consumer complaint received 2022-03-24
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX