davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (IN)

I had already sent National Credit Adjusters a debt validation letter to rather send me documentation verifying this debt, as well as request immediate deletion of this debt from all consumer reporting agencies. In accordance with the FCRA, I am invoking my right to immediate deletion of all prior reporting made to any consumer reporting agencies, including but not limited to XXXX, XXXX, XXXX, XXXX, and XXXX. Moreover, pursuant to the FDCPA, I demand that all collection efforts cease until the alleged debt is fully validated. It is imperative that you provide documented evidence demonstrating legal ownership of this alleged debt and its accuracy and completeness. 

They have yet to remove the account from my credit reports, therefore they have violated my rights. 

I have also attached proof of the debt validation letter I sent them, as well as proof it was sent to them, and that a representative did sign for it confirming they received it. 

National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Dakota Financial, LLC (TX)

I went to XXXX XXXX in XXXX, Kansas, to purchase a commercial truck. The finance company that approved my application was Dakota Financial , LLC, based in XXXX XXXX, CA. Before buying the truck, I paid a {$2500.00} deposit to hold the truck until I arrived from Texas. Upon arrival, I gave the dealership a cashier 's check for {$24000.00} as the down payment, and the {$2500.00} deposit was applied to the total truck price of {$67000.00}. This left a remaining balance of {$39000.00}. 

I have made 12 payments of {$1700.00} each, totaling {$21000.00}. This should reduce the balance to {$18000.00} ( {$39000.00} - {$21000.00} ). Due to a breakdown in XXXX, my truck was in the shop for a month for engine repairs. I requested a payment arrangement, and XXXX from Dakota Financial agreed to defer a payment if I made a full month 's payment, which I did on XX/XX/2024. However, after making the payment, XXXX XXXX informed me that they could not defer the payment despite XXXX 's offer. 

On XX/XX/2024, I requested a payoff statement and was shocked to receive a payoff amount of {$65000.00}. This is inexplicable given the down payment and the 12 monthly payments I have made. Dakota Financial does not provide a balance with payments, and they charge {$70.00} to request one. Despite providing all necessary documentation from the repair shop, including hours and details of the breakdown, Dakota Financial refused to honor the arrangement discussed by XXXX. This situation is both deceptive and fraudulent. 

Where has my money gone after the down payment and the 12 monthly payments? I am willing to provide email correspondence between myself, Dakota Financial, and the repair shop, XXXX XXXX, to support my claim.
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

I have made settlement arrangements and settled on these debts immediately, however, the debt collectors have refused to update the three major credit bureaus with the corrected amount being {$0.00} despite receiving the funds and notification of the debt being satisfied. I have settled a total of 8 debts as I have also supplied you with the initial settlement offer letter and settled debt letters from all companies but the company continues to persistently list my debt incorrectly. The following companies were paid ( XXXX XXXX  XXXX  {$3000.00}, XXXX XXXX - original debt {$1500.00}, settled for {$1200.00}, XXXX - paid to lawyers office XXXXXXXX XXXX XXXXXXXX with original debt being {$1400.00}, and settled for {$1200.00}, XXXXXXXX XXXX who had 3 accounts - two were with the legal team at XXXX XXXX XXXX ( original amounts {$1500.00} and {$1200.00} ) settled for {$2400.00}, and one with XXXX original amount {$440.00} and settled for {$350.00}, and the bureaus with XXXX XXXXXXXX XXXX XXXX original debt {$1100.00} settled for {$550.00}, and XXXX XXXX XXXX original debt {$480.00} settled for {$440.00}.
Consumer complaint received 2023-04-05
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (IN)

Do not regularly use this card and was charged an annual fee on a card that had been dormant for 12 months. Payment became over due and I submitted payment 30 days late. Tried to close the account and ask for a 1 time curtesy removal of the late mark against my credit. Was told I needed to wait 1 credit reporting cycle to show removal. On XX/XX/ Barclays reported the late payment and impacted my credit score significantly. 
Called back on XX/XX/XXXX to again ask for the removal of the late payment and close my account. Was told I could close my account but that the only way to request a removal of 30 day late payment is to mail a physical letter to their FCRA department and wait to get a response back. They advised there was no other way to speak with the FCRA department other than mailing a physical letter. 
This is completely unacceptable in 2023 that the only way I can reach a fair credit reporting department and a via a physical letter with no way of knowing whether they received the letter.
Consumer complaint received 2018-12-26
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. (AL)

I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. XXXX : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.Transunion  has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX  has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
.
Consumer complaint received 2023-12-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to EXPRESS MY DEEP CONCERN AND ANNOYANCE regarding the ongoing dispute about the accuracy of the information on my credit report. Despite my previous attempts to rectify the matter, it appears that your bureau has yet to appropriately address my concerns. ACCOUNT INFORMATION : XXXX XXXX Date Opened : XXXX Balance : {$0.00}. Upon thorough review of my credit report, I have identified persistent inaccuracies in the payment history and status of the mentioned account. It is alarming to note that the Compliance/Obsolescence date, crucial for determining the 7-year reporting period, seems to have been improperly adjusted, possibly violating FCRA guidelines. I want to explicitly highlight that both XXXX and XXXX have already ACKNOWLEDGED AND REMOVED this account from their records, citing an error. I am BAFFLED as to why your bureau continues to VERIFY this information while others have PROACTIVELY RECTIFIED the issue. I must EMPHASIZE that I am THE VICTIM in this situation, and the CONTINUED IGNORING of my requests has left me EXTREMELY ANNOYED AND XXXX. The actions taken by other bureaus affirm the VALIDITY of my concerns, and I am growing increasingly FRUSTRATED by the prolonged lack of response from your end.
Consumer complaint received 2023-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

I have an FHA loan with PennyMac financial services. I have my property taxes and home insurance escrowed. My monthly payment jumped from {$1000.00} to {$1400.00}. I conferred with my XXXX XXXX XXXX and she agreed that something wasnt right. We had a conference call today ( XX/XX/2023 at XXXX XXXX  ) with XXXX members ( which included a supervisor ) of XXXX XXXX service, when asked for a breakdown of the escrow analysis it was revealed that there is an escrow shortage in the account as well a projection amount for up coming escrow payments. My XXXX as well as myself did the math with the information provided and found that theyre charging over double the amount necessary to cover their bases. They refused to elaborate on the additional fees. We asked what their internal policies are for challenging these seemingly unexplainable amounts, we were told there were none. After XXXX minutes, the woman supervisor admitted that she could indeed remove the escrow reserve payment. However there is still an additional {$210.00} escrow shortage payment that needs to be removed, as the increase in the actual escrow payment is more than enough to cover any shortfall or projected costs for the coming year. I am asking that they be investigated for unfair lending practices.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A loan of {$9300.00} from XXXX XXXX XXXX appeared on my XXXX Alert. contacted XXXX and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with XXXX WITH MATCHING RECORDS FROM THE XXXX REPORT. please contact at XXXX for further follow ups.
Consumer complaint received 2023-12-01
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. (CA)

XXXX XXXX XXXX aka XXXX XXXX XXXX aka XXXX possesses countless disputes here that are ignored, refuse to fix, or find a loop hole to get rid of dispute all aimed and intended to do nothing about the false data and to make sure that the false harmful data is always there with maximum harming qualities. 

1. The contract is unenforceable my performance excused because it was the result of fraud and they know it 2. The contract was canceled within the three day statutory time period 3. No payments were ever made 4. Payment for XXXX check XXXX was illegally misused to make fake fraud payments. Violation ca fin code 5. Payment for XXXX check XXXX was illegally misappropriated in breach of contract provisions in the contract enforced Remove this account from my credit file. It contains false fraudulent harmful information and u know it.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Solar Mosaic LLC (FL)

In the Mid of XXXX, I signed a contract with XXXX XXXX to install the solar panel in my room. The bank that has financed this project is Mosaic Bank. In XX/XX/2023, After many attempts to reach XXXX XXXX, I called Mosaic Bank to let them know that I had to cancel the contract with XXXX XXXX because I had never heard of them. I even received an email from Mosaic Bank telling me they could not also reach XXXX XXXX. After alerting the bank about that situation, I have decided to sign another solar energy program with XXXX XXXX. At the end of XXXX, I received an email from Mosaic Bank telling me that XXXX XXXX said they would not cancel the contract. The same day I received a call from someone claiming that he was XXXX XXXX 's representative. He asked why did I cancel the projects? After spending four months waiting for you, I called your company repeatedly to ask whether the project was abandoned. Until the day he called me, nobody picked up my calls. As a result, I call the bank to cancel the contract to enable me to find and sign another contract with a solar energy program, which I have done successfully with XXXX XXXX. 
Surprisingly, I received a monthly bill from Mosaic Bank due XX/XX/XXXX. They also send a total amount of {$27000.00} to a credit bureau which causes a decrease in my credit score and limit. 
I don't have anything in my home belonging to XXXX XXXX. How can I pay for a voidable contract? What do I have to pay for? 
I have to submit this complaint to enable me to prevent Mosaic Bank from Using my name and my identity improperly
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capitol One Visa Platinum Account Credit Card ending in XXXX charged me {$10.00} cash advance fees that I never authorized and thebank refuses to send me a copy of cardholders terms and condition or my original signed agreement that show that I agreed to these fees. Capitol One Bank Account Supervisor refuse to escalate the call.Tonight I spoke to XXXX who refused to set up a case for the executive resolution or to escalate the call..He also refused to set up a dispite for the {$10.00} cash advance fees. 
I was charged a {$10.00} fee on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XXXX refuses to acknowledge complaint and bring this matter to attention of his management. Also they are charging me 16.55 % which I never agreed to
Consumer complaint received 2018-12-26
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. (NC)

I am filing complaint because I had wrote to Equifax in regards to various inquiries made on credit file in which I never authorized to run a hard inquiry on my credit. I wrote a letter to Equifax requesting an investigating on my file and to provide proof of authorization of any hand written signature from myself to the creditors listed. As of XX/XX/2018, Equifax has not provided proof and has failed to deleted inaccurate information on my credit. I have also contacted the creditors directly and was notified that they on there half didnt have any documents with my signature or any form of authorization. The creditors of the inquiries are as follow : Creditors Inquiries : Inquiry Date : - XXXX XXXX XX/XX/2018 - XXXX XXXX XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX  XXXX. XX/XX/2018 - XXXX XXXX XXXX  XXXX XX/XX/2018 - XXXX XXXX. XX/XX/2018 XX/XX/2018
Consumer complaint received 2023-11-08
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. (NC)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant XXXX XXXX XXXX distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-05-26
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. (TN)

In accordance with the fair Reporting act. This creditor has violated my rights.

Under 15 USC 1681. Section 602 states I have the right to privacy. 15USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purposes.
Consumer complaint received 2023-12-01
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-01
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
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. (FL)

This is 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. Please remove the following ( Accounts ) : XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-09-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (NC)

Signed non disclosure with property management to terminate lease without penalty or fee Moved out of XXXX XXXX XXXX in XX/XX/XXXX Paid remaining rent in the amount of {$1000.00} on XX/XX/XXXX and received confirmation from them that it had been paid Sent to collections for {$1000.00} on XX/XX/XXXX Called the property manager and e-mailed to which we were told it was a mistake on their end and they would fix it. After a series of e-mails and calls for 2 months I sent a dispute on my credit file on XX/XX/XXXX to which the dispute was not resolved despite the proof of payment and confirmation from the property manager themselves! 

This amount is still on my credit report adversely impacting my score and financial stability along with my federal security clearance.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (MO)

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