davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC (MI)

I got an Auto Loan from XXXX XXXX for a XXXX XXXX XXXX XXXX ( XXXX XXXX ). the car blue book value is between $ XXXX {$10000.00}... somehow I was financed and paying in total {$27000.00} I'm sure that's over the legal limit of interest in Michigan XXXX I spoke with them to tell them I did not want the car anymore. they failed to respond. eventually they came and repossessed the vehicle. they sold the vehicle at auction and are telling me I owe them {$16000.00} and are using a debt collector service by the name of Roosen, Varchetti & Oliver PLLC to collect this debt. I do not have this vehicle anymore as they have taken it back and now they are forcing me to pay WELL over the actual value of the car and are sending debt collectors to harass me. what legal ways can I sue or do anything about this? cause I'm not paying this so called debt and I will not allow this. these company 's should in no legal right be able to do this to people and the fact there is no government ordinance to watch over this stuff is beyond unsettling.
Consumer complaint received 2023-07-09
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my ID-Theft Affidavit that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the following accounts : XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I truly can't see myself writing this letter in regards to my credit card being deny by XXXX XXXX XXXX. After many years and products and service with XXXX XXXX. I can say XXXX XXXX has over 10+ accts of mine. Not excluding at least 5+ auto loans paid well. H/E loan paid off. Many PL paid off. 100 % of mine and XXXX my kids accts. Not one time 10+ yrs have we been never late with many credit accts or debit accts. My issues is that I open an credit card with XXXX XXXX many yrs ago and added my wife to the card. recently her business partner stole $ XXXX from her LOC and she had no choice to file BK # XXXX. So with her being added to my XXXX cc, I understand 100 % why they closed it. So i applied for a new one under my name again to replace the closed $ XXXX XXXX credit with no balance and very rare used it only for monthly deducts for my home insurance. I called the XXXX XXXX XXXX and spoke to the XXXX dept. and advised the entire case. The XXXX was very understandable and he told me that he would send it for a second review and he saw the entire case vert well and was worth 100 % approval. So XXXX XXXX XXXX : deny me for the reason attached to the letter. Sorry I have contacted XXXX per the letter and XXXX gave me my CR and i do not see how they got that information.
Consumer complaint received 2023-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CT)

LVNV XXXX  knows I am an identity theft victim, They have repeatedly readied fraudulent debt to my XXXX credit report. I have had all my consumer rights violated repeatedly by this company.
Consumer complaint received 2023-07-18
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 my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove these items which are frauds from my personal credit 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 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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

please removed the following accounts and update Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CREDIT XXXX BANK Balance : {$390.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$340.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account name XXXX XXXX Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX BANK Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name XXXX XXXX XXXX Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following inquiries : XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I recently received a updated investigation results from Experian. Indicating that account with XXXX XXXX XXXX XXXX REMAINS ) on my credit report. I have requested from the actual creditor to produce all documentations along with the contract with my actual signature. I sent this request for information over 3 months ago. Yet the company Never responded nor did they supply me with any piece of documentations. To show that this alleged debt was in fact my actual debt. 
I requested Experian to send me a detailed description of their investigation. I requested them to provide me with the supporting documentations that they gathered. That they have claimed was verified from the creditor. Experian refused to supply me with this critical detailed information/documentations as well. 
The creditor failed to supply the alleged actual contract in over 3 months. After I sent the certified letter asking for that contract. That they so verified that it was mines, yet they signed it and accepted the certified letter. 
Again Experian has not produce detailed description of their investigation. Nor have they produced any documents to me. That has a contract with my signature. That proves that this debt actually belongs to me. Some how this investigation results was closed out with Experian before CFPB had a chance to respond with its results. 
I ask that this account be removed from my Experian Credit Report. In violation of the Fair Credit Reporting Act. In which the creditor were not able to produce documentations in 35 days. That is required by law,, That dated from XX/XX/XXXX until this date XX/XX/XXXX.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc (TX)

Affirm has not reported my previous history of loans and has failed to update the credit beauros with the updated status of each of my previous loans. I have submitted a dispute to XXXX and XXXX in effort to have my credit report updated with my full history of loans with Affirm. Unfortunately, this process has been slow, and they have not reported the loans. This is a violation of my rights, and I am requesting assistance.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. XXXX XXXX lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. XXXX XXXX as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. XXXX XXXX must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. XXXX XXXX has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. XXXX XXXX has neither provided proof verified by XXXX party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from XXXX XXXX prior assets ; date and time of the Board meeting with share holders that provided XXXX XXXX to lend from these assets, the beneficiary is also a shareholder of XXXX XXXX and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX my personal information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( XXXX XXXX XXXX XXXX shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. XXXX XXXX is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the XXXX ''
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax To Whom It May Concern : This letter serves as a final warning regarding violations of federal law and Equifaxs arbitration agreement concerning my credit file, especially in light of the recent massive data breach. 

Despite repeated disputes with valid evidence, Equifax continues reporting inaccurate, unverified information including : - Erroneous late payments on XXXX XXXX XXXX XXXX - Inaccurate charge-off on XXXX Account XXXX - Reporting verified income as a negative XXXX Account XXXX - Omitting full 72 month history of two paid off XXXX XXXX XXXX XXXX & XXXX - Unauthorized, Unverified collections account XXXX - Multiple unauthorized hard inquiries without my consent In addition to these violations, the recent Equifax data breach resulting in theft of consumer information underscores the companys inability to protect sensitive data. As one of those consumers I demand this be rectified asap. 

These violations break numerous Equifax arbitration agreement clauses and constitute negligent security practices under the FCRA. 



Regards, XXXX XXXX
Consumer complaint received 2023-07-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (CA)

Sending me false and threatening letters. This is the XXXX time. They ask that I immediately call them XXXX XXXX. Clear Path Lending.The letter states in the upper right say disbursement amount {$30000.00}, First payment XXXX XXXX. No such loan was made!! And to call them immediately at XXXX XXXX.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I reached out to Experian to correct information on an account, as they have a responsibility to report information accurately per 15 U.S.C.1681e and required to provide documentation to prove their claim per 15 U.S.C. 1637 ( b ) upon request. I have not received requested documentation. This is a tortuous and negligent act of willful civil non noncompliance per 15 U.S.C.1681n and 15 U.S.C 1681o, to which Experian will beheld liable without adhering to the F, C, R, A, and violating my consumer rights.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TN)

I did not authorize XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ; XXXX  XXXX  XX/XX/XXXXXXXX  ; XXXX XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXX XXXX XX/XX/XXXXXXXX  ; XXXX  XXXX  XX/XX/XXXXXXXX  ; XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX  XXXX XX/XX/XXXXXXXX  ; XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX AND XX/XX/XXXX
Consumer complaint received 2023-04-28
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. (GA)

XXXX has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-05-10
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. (OH)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
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. (SC)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I bought a vase, it arrived late, by the time I received it, I no longer wanted it. I sent the vase back to the merchant, the merchant accepted the return. 

The date I received the item was XX/XX/2023 Capital one did not know the date of receipt and rejected the complaint, I told them the date of receipt, and they agreed to open the claim. 

XXXX. This was the only information that was requested. 

In a letter dated XX/XX/2023, Capital one requested additional information, I responded on XX/XX/2023. 

Capital One closed the case as I did not respond in a timely matter. 

Capital One says to allow 7 to 10 business days to receive communication, which means I could have received it by XX/XX/2023 Capital one said I have 21 days to respond, but I did respond according to their timelines.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (VA)

Back in XX/XX/2020, I called Citi to downgrade my account. But appearantly they failed to do so. And after the downgrade call, I withdrew the money I need and left the acount as is since the remaining balance will meet the requirement to waive the monthly fee. But due to the failure of downgrade, my checking account keeps been charged monthly service fee since XXXX 2020 till today. I have contacted the bank online and via phone to request the refund of those service fees. {$25.00} per month XXXX And they are not willing to refund all of the fees they charged.