davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates (CA)

I am sending this letter to request your assistance with a collection agency that appears to have a long history of consumer abuse. Example : there is a class action lawsuit against them in South Carolina XXXX # XXXX dated XX/XX/XXXX and a staggering amount of complaints online. 

I have reached out to the creditor but have not received a response. I have been declined a request for housing because of a recent collection account placed on my credit that did not have the opportunity to validate. Hillcrest Davidson and Associates is reporting a collection for an account that has never been validated, I have never heard of either the collection agency or the original creditor being reported. They made no attempt to validate this. Instead, they instantly showed on the report that they opened a collection in XXXX of XXXX. I sent an email but no response. This single account violates several laws including but not limited to the CFPB Regulation F, FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX FDCPA Section 807 ( 8 ), FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX FCRA Section 623, FCRA Section 605 ( c ), and FDCPA Section 806. The account was for XXXX XXXX and I have no idea how that can be. I looked them up and they appear to be an XXXX XXXX. I have had XXXX for quite long time, and have no issues with them. That is the only alarm system I am aware of. 

I requested they provide me with the following : What is the money you say I owe is for. 

Explain and show me how you calculated what you say I owe. 

Provide me with copies of any papers that show I agreed to pay what you say I owe. 

Identify the original creditor. 

Prove the Statute of Limitations has not expired on this account. 

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I informed them that if they had reported invalidated information to any of the XXXX major Credit Bureau XXXX XXXX, XXXX, or XXXX ), said action might constitute fraud under both Federal and State Laws. 


I asked them to please remove the account in question until such time as this is resolved. By refusing to do this they are defaming my character and causing me financial damage.
Consumer complaint received 2023-04-05
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. (TN)

I am requesting a proper re-investigation of the following accounts that have been reported back to my credit profile as verified. XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX. There are STILL accounts that are closed but open on another reporting agency. There are STILL accounts with 100 % payment history that have been confirmed to be true in favor of the collection company. My FCRA rights as a U.S citizen are STILL being blatantly violated and I am requesting that you do due diligence this time around. There was NO real investigation done, only a half-done one in which the reporting agency sided with the collector because of their business transactions I am assuming. Attached to my documents are excerpts from the FCRA bill that explains how and why I am entitled to a fair investigation and why items should be removed if they are not properly investigated and found to be 100 % accurate. 
PLEASE PROVIDE INFORMATION ON HOW YOU VERIFIED THESE ACCOUNTS! 

[ 15 U.S.C. 1681 ] states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; [ 15 U.S.C. 1681 ] states Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-08-26
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. (GA)

On XXXX and XX/XX/XXXX I sent Equifax a letter asking you to investigate several mistakes and inaccuracies on. my credit report which show late payments on XXXX XXXX XXXX Acct # XXXX. Despite five ( 5 ) written request, the unverified, inaccurate late payments listed below still remain on my credit report in violation of Federal law. You are required by law to show proof of late payments which is verifiable in order to report this on my credit report. 
in the results of your first investigation and subsequent re-investigation you stated in writing that you " verified '' that these items are being reported correctly? Who verified these accounts as late? You have not provided me any proof of being late? 
Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA ( Fair Credit Reporting Act ) you are required to promptly DELETE all information which can not be verified. Please update these late payments for XX/XX/XXXX, and XX/XX/XXXX to PAID AS AGREED/NEVER LATE. 
Also, as required by law, Please send me an updated copy of my credit report to the address on file.Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX & XXXX & XX/XX/XXXX. 
Bank of AMERICA IS MY COMPLAINT IS ABOUT. THEM HOLDING OF COMPANYS CHECK DEPOSITS TO PLACE THEM ON HOLDS & BLAME THE FDIC SAYING THAT THE FDIC HAS NOT released CLEARING THE CHECKS.THIS HAS BE GOING ON FOR 6 MONTHS. At CERTAIN PERIODS OF TIMES NOT EVERY TIME. OUR CUSTOMERS THE CHECKS ARE FROM ARE LONGTIME CUSTOMERS WHO PAY LIKE CLOCKWORK BY CHECKS.PLUS WE KEEP ENOUGH MONEY OR OTHER TYPE FUNDS TO COVER OUR CHECKS.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

Dear [ Creditor or Credit Reporting Agency ], I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
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: LCI Acquisition Inc. (AL)

I disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.
Consumer complaint received 2023-03-29
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. (TX)

I've contacted Experian, XXXX, and XXXX multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC. (TX)

Some time before XX/XX/2022, I bought 2 bras from XXXX XXXX using their XXXX XXXX  issued charge card. I paid them 1 month late for the bras as I was considering returning them for poor quality. They charged me late fees through XX/XX/2022, of which I paid ONE, given that I was one month late on the payment. They continued to accrue charges until XX/XX/2022, then charged off the debt and sold it to Midland Credit Management. In previous discussions with XXXX XXXX I explained that I paid them all that was due. They would not negotiate and the debt is now {$450.00}, all of which is bogus late and other fees.
Consumer complaint received 2023-03-29
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. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-06-09
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: Bridgecrest Acceptance Corporation (IL)

On XX/XX/2020 my car was stolen and damaged and deemed a total loss, by my insuranceXXXX XXXX was paid to the finance company BRIDGECREST leaving a balance. XXXX still made payments. Gap insurance paid the remaining balance in the amount of XXXX based on the date of loss. however after the payment was received the finance company Bridgecrest didnt apply the payment and allowed interest to accrue on the account after the payment was received and posted they refused to service the loan and each time I have called the period gets longer it started as 5 days from the check being received to 7 days and now they are saying 10 but when asked is this from the date the check was received it is said from current day which is XX/XX/XXXX. The check was received and posted on XX/XX/XXXX but they not clear my balance and are allowing interest to accrue when I am actually due a refund.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CO)

Purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( previously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, putting {$25000.00} for down payment and borrowing {$31000.00} at 3.29 % from Wells Fargo Auto. On XX/XX/XXXX, vehicle was impounded at the XXXX XXXX 's XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, Stipulation for Settlement Agreement was signed between the City and County of XXXX, CO ( City ) and myself, the owner of the vehicle, to release the vehicle to me on XX/XX/XXXX avoiding trial. The Agreement featured an option for the lien holder, Wells Fargo, to retake possession of the vehicle as long as they signed an agreement with the City to not release the vehicle directly to me for one year. XX/XX/XXXX letter from from XXXX XXXX Department informing vehicle was ready for release at XXXX XXXX but only to the lien holder, Wells Fargo. 

On XX/XX/XXXX, I received written notice of Wells Fargo 's plan to sell my vehicle, pursuant to the original loan agreement provisions, which provided a reinstatement option of {$460.00} or a redemption option of {$24000.00}. Wells Fargo gave me until XX/XX/XXXX to contact them and make a decision otherwise the vehicle would be sold at public auction. I proceeded with the redemption option only to be informed that due to the stipulation found within the agreement I signed with the City, Wells Fargo could not release the vehicle directly to me. Being aware of the stipulation, I requested Wells Fargo to produce a copy of the agreement they were required to sign with the City for release of the vehicle. Since, the initial request on XXXX, no agreement has been produced and Wells Fargo continues to obfuscate and withhold information pertinent to this case. 

On XX/XX/XXXX, I spoke with a Wells Fargo premier lender who informed me that private sale to a third party was available for the amount indicated on the XX/XX/XXXX, {$24000.00} as the remaining loan principle. On XX/XX/XXXX I began the process of a private sale through a third party paying off the entire principle. The process was proceeding favorably until a Wells Fargo XXXX flat out informed sale to a third party was not available due to the legal stipulation. Nothing within the original loan agreement nor the agreement between me and the City precludes sale to a third party. And without a copy of the agreement signed between Wells Fargo and the City, there is no way knowing what was agreed upon. Wells Fargo also falsely stated that they would be able to keep all proceeds ( profit ) from the sale of the vehicle at public auction once the principle of the loan was factored in. That is demonstrably untrue and counter to the original loan agreement stating that all surplus from a potential public auction sale would be returned back to me. I of course would be responsible for the remaining principle of the loan should the sale price of the vehicle not meet or exceed what I owed Wells Fargo.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

I opened a dispute on a charge as soon as I found out there was an issue. I was notified via XXXX XXXX who XXXX contracts with that the rental we reserved was no longer available a few days before we were supposed to be going to XXXX with our children. This caused us to spend XXXX  of dollars to make last minute changes. We booked the hotel months in advance and filed a dispute immediately after trying to resolve it with the merchant. USAA accepted the dispute on XX/XX/2023 and told me there would be temporary credits posted to the account within 10 days. This never happened and after 7 phone calls to the bank I finally had to file a lawsuit just to get someone to call me back in late XXXX. They then closed the dispute with no communication and reversed the credits they placed on the account on XX/XX/XXXX  they state because it was not handled within 60 days. THEY did not handle it within 60 days.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (DE)

Navy Federal Credit Union has illegally frozen access to my online account and frozen access to my funds in my savings account as an attempt to collect on a debt. As I understand it, this is something NFCU was previously accused of doing and they were required to pay a settlement to the affected consumers. NFCU is still using these illegal practices to threaten me into paying an alleged debt. They will not give me access to the funds held in my NFCU savings account without paying off the alleged debt or making an arrangement to pay. I was told that even if I made an arrangement to pay, I still would not have access to my account. None of my online banking works, I've been locked out of it for over a year. Their claim was that I gave someone access to my account so they locked me out when I was the one that called them about my account being compromised. I just want to be able to withdraw my funds from the bank. It is illegal for Navy Federal to withhold my funds in my savings account as an attempt to collect a debt. I demand that the funds be released to me for withdrawal immediately. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/
Consumer complaint received 2023-03-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (MD)

Account info Account name XXXX XXXX  Account number XXXX Account type Auto Lease Dear [ Creditor or Credit Reporting Agency ] , I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-04-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AL)

I tried to make payments could afford to make payment was never given the option to pay XXXX due to income, had to file bankruptcy and still couldnt get relief, I also went to a school the fell under the AG lawsuit but wasnt given a cancellation was told I need to take this up with the Attorney General for help.