davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit International Corporation (WA)

On XX/XX/XXXX I received a certified letter in the mail from Credit International Corp stating that a judgement was put in place to begin wage garnishment for a 9 year old debt I did not know existed. 

In XXXX a court hearing was scheduled for a matter I believed the plaintiff and I had settled out of court. Unbeknownst to me, the plaintiff pursued the legal matter without my knowledge. In 9 years I was never notified of the judgement against me.

Until I received the letter on XX/XX/XXXX, this agency ( who confirmed has had this debt since XXXX ) has not sent me a single letter or attempted to contact me in any way. I have sent proof that I was led to believe the matter was settled out of court with no response. On XX/XX/XXXX, my wife called the company and spoke with an agent and explained that I was never notified of the debt and wanted to stop the wage garnishment. She was told that the garnishment can not be stopped once it is in motion, and was told that since they were contracted to collect the debt only one attempt was made to notify me of the debt via a letter sent to my parents house.

I have had the same phone number for nearly 15 years. My parents do have a valid address for me, but they did not ever receive any correspondence for me. I feel more than one attempt in 7 years should me made and that I should have been properly notified of the judgement from the beginning 9 years ago when I have believed this entire time the matter had been privately settled.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint Details : * Debt Collector : XXXX Account # XXXX Nature of Complaint : XXXX. Lack of Written Notification : XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

XXXX. No Contract or Business Relationship : I have never engaged in any business with XXXX Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXX Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Volvo Car Financial Services U.S., LLC (FL)

My XXXX Volvo lease was coming due in XX/XX/23. I contacted different dealerships looking for the best deal. Which was no money down, take in my current Volvo XXXX as is for a trade, XXXX XXXX miles a month, tinted windows and have my payment as close to the current monthly payment amount as possible. Two Of Volvo dealerships were able to offer that deal, however they did not have all XXXX XXXX  XXXX. I saw XXXX XXXX cars of XXXX XXXX had XXXX XXXX me and girlfriend XXXX called new car sales manager XXXX XXXX XXXX him on the speaker. Told him what deal we were looking for and what we have for him as a trade. We were very specific and told him that we have two other dealerships that are offering us the deal. We asked him if he was able to match it. He asked us to send him mileage of my XXXX and VIN number. A few moments later we got a text message saying they got some good news-XXXX  will do the deal! We called XXXX again asked him to email us to confirm it. He told us he was a man of his word and will do the deal as he promised. I scheduled to pick the car on Saturday XX/XX/23 XXXX. I arrived at XXXX met with my sales man XXXX XXXX I asked if he needed to see my car and test drive and look at tear and wear he said no. Shortly I went to sign my new lease papers with XXXX. XXXX XXXX and asked if I could get some paperwork from him saying that they are taking my car as trade and that I wont get any bills or invoices from XXXX XXXX. He said not to worry everything is taken care off and I can contact him or XXXX Monday and he will email me what I need. I reviewed the paperwork again in the car and noticed I did not see any XXXX per lease term listed. Went back and spoke to XXXX XXXX said it was XXXX a year. I asked him to call XXXX and fix it. He did. Called XXXX XXXX Tuesday asking for XXXX trade in papers he said he didn't take it as trade and never said he would. We told him we were very upset of his lies and deceit and will speak to someone else. 
Couple weeks later I received the invoice from XXXX XXXX for wear and tear of {$440.00}. Mailed it to the dealership, also emailed to XXXX, XXXX XXXX. No Response. Filed the complaint with Volvo corporate. Nothing.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WA)

I have had repeated problems with my aspire mastercard. first I had problems logging in and submitting payment. they charged my late fees which I was unable to recover. customer service was incredibly slow and difficult. I kept the account open, to prevent adverse effect on my credit report, but I stopped using the card. 

now I have found sudden " account maintenance fees '' of XXXX $ a month added to my account. I never agreed to or was notified of these terms. again customer service was difficult to access and tried to give me the run around. 

after great difficulty I was able to close the account and they agreed to drop the fees after I mentioned filing a complaint with the CFPB.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist Bank. Around 2020 year, my problem started, when one of of officers offerd me to make a loan, I told her I don't need it. She insisted and I said no. Then after days she gave me 3 credit cards. I said Whay? I don't need 3 credits card. She said, Just keep it, you used when you nee it. I took them. Now, I have used XXXX XXXX in XXXX, XXXX in other. 
In XXXX I had to purchased in my apaerment almost every electric machines and 4 windows. I request the bank a loan for {$10000.00} XXXX dollars, at that time the interes wasXX/XX/XXXX %, great deal. The bank took long time for the approval until the loan was with a high interest XX/XX/XXXX %. 
The oficer said they will give me XXXX XXXX dollars, I said I just ask for XXXX, he said you will keep it until you meed it. My balance in XX/XX/XXXX, was {$17000.00}, I was paying {$250.00} a month. I want to pay and the XXXX said I don't need to pay because I have paid unit XX/XX/XXXX. The bank stop the payments payments. The loan has increaced from {$17000.00} to {$18.00}. It is not fair that the bank did not allow me to keep paying my loan.. 
In XX/XX/XXXX I ask for a loan XXXX to pay credit cards, and the XXXX said why you don't barrow XXXX XXXX. The bank did not apporved. then the XXXX said we will do it for {$50000.00} XXXX, I said I just need {$10000.00}, well he said when you ned it you will have it. Because I didn't answer, Twice they mail me the contract, for me to sing it for {$50000.00} thusand. 
The bank Truist is directing me wrong in respect to my account, and getting advantage of my requirements. 
I need yout assistance. The bank cano't offerme loans that I wont be able to pay.and prohibite me to pay for XX/XX/XXXX months my loan.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I consistently pay on time and am certain of my punctuality. However, I'm puzzled as to why this company is marking me as late in some months, which is incorrect. Under USC 1666b, billing errors must be corrected immediately.
Consumer complaint received 2024-05-23
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

My credit rating has been decreases due to delinquent payment. My credit rating was XXXX which was last year. My credit rating is XXXX now. I am in big trouble of buying a house. I need to close my escrow within 12 days from today. Per telephone conversation with the XXXX agency, my credit will go up in a week if I paid in full. I was able to pay XXXX dollars and try to save credit with the other Collection agency called XXXX on XX/XX/XXXX. I called AES which was my original student loan agency to explain my situation. I was told to wait 7 to 10 business days. I can not wait for them to investigate. My student loan was paperless and it was automatically deducted from the banking account there is no reason to have default payment on my record. There should be special circumstances for people like me to prevent lowering the credit rating for XXXX dollars. Now the XXXX dollars will turn to additional XXXX dollars per month with the sub primer mortage. Please help me to increase my credit rating so that I do not have to pay additional cost for the home loan or home loan rejection. Which means I may lose  my Honest money deposit.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Regional Management Corporation (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation

of TILA US Code 1666B since I was never late. Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) a
nd the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have diligently followed all necessary procedures in disputing these accounts. I've contacted the bank, which assured me the issue was resolved. I've also reported the matter to law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with Equifax, who complied with legal requirements and removed the accounts. However, Equifax is presenting obstacles, claiming I haven't completed all the necessary steps. 
Despite the legal leniency towards banks and credit reporting agencies, I'm hesitant to pursue a lawsuit. I have repeatedly submitted my claim to Equifax over the past six months, yet I remain stuck. Each time, I receive a dismissive response alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Equifax is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I have reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

XXXXXXXX XXXX XXXX, American Express and XXXXXXXX XXXX are all in violation of several of my rights as a federally protected consumer. They are in violation of the Privacy Act of XXXX " Charge offs are considered certificates of Indebtedness. 
Certificates of Indebtedness are considered XXXX by the XXXX according to XXXX  XXXX Publication XXXX. XXXX is not to be reported on consumer and credit reports. 
I would also like to point out XXXX XXXX XXXX, American Express and XXXX XXXX  are in breach of their Fiduciary Duties to me by failing to send me my copy b of form XXXX among many other things such as transparency, good faith, disclosure, accounting and loyalty. 

In addition, they are violating XXXX XXXX XXXX, it is illegal to report transaction history. 

Furthermore, according to their own XXXX filings under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ) American Express ( XXXX file # XXXX ) and XXXX XXXX ( XXXX file # XXXX ) agree they will not commit language fraud, however they failed to provide an open end credit card in compliance with the definition of open ended credit per 16 CFR 433.3.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2017-05-21
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Enterprise Systems, Inc. (PR)

On    XX/XX/XXXX    I began a payment plan for my   XXXX   XXXX  / XXXX  student loan. After few months of paying, I got  laid   and become unemployed for several months, until  XX/XX/XXXX  through  XX/XX/XXXX .     I paid as I could.     On  XX/XX/XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on   XX/XX/XXXX   but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,    XX/XX/XXXX    - National Enterprise called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The article 805. Communication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness.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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Since XX/XX/year>, I have been disputing the information on my credit report, as public records as well as a couple of accounts included in bankruptcy were being reported as mine. I have been requesting how they were validating and recording that data on my report. I have sent various letters requesting the removal of these items, but their responses have been crude. Therefore, I am applying for an investigation by the CFPB ( Consumer Financial Protection Bureau )
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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 rectified : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2022-02-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Tower Loan of Mississippi, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, La XXXX They have been calling My Husband and My Phone since last XXXX. They are claiming that I have cashed a check from them for {$2500.00}. 

I have never done business with them. Never cashed their checks. 

Please help stop the harassing calls. 

Please do not give them any of my contact information. 


XXXX XXXX XXXX XXXX