davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (LA)

contacted exeter finance about the SCRA act of Louisiana and was never contacted back. The SCRA act of Louisiana states that XXXX XXXX military can not be charged over 6 % interests fees and my interest fees are still at XXXX. Section C of the below law 2011 Louisiana Laws Revised Statutes TITLE 29 Military, XXXX, and veteran 's affairs RS XXXX Limits on creditor interest rates Universal Citation : LA Rev XXXX XXXX XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts XXXX, No. XXXX, XXXX, eff. XX/XX/XXXX.
Consumer complaint received 2024-05-17
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: W&A Intermediate Co., LLC ()

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX XXXX identity theft fraud laws.

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX law underscores the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and showing a clear disregard for federal and local laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2024-05-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received this card as a gift from a school sponsored event. I've ensured that the card is activated, and confirmed my balance of {$300.00} dollars was there. This card is impossible to use. It is declined at major retailers like XXXX, which is crazy since it is one of the biggest retailers in the world. It won't work on XXXX or XXXX eats even though it says it will. Overall it is an extreme pain to even find a place that will accept this card. After a lot of research online it appears many people have the same issues with this card, and can not get it to purchase anything.
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (FL)

This organization has a hard time telling the truth.

1 ) all but 1 of my affirm loans are paid in full, so saying ive got 7 deliquent loans is LIBEL oure and simple 2 ) Pursuant to Federal Law 15 USC 1692 g known as the fair debt collections practices act, your organization as a first party debt collector is required to furnish in writing validation of debt and, until such time as it is furnished, NO CONTACT CAN BE MADE or it constitutes harassament 3 ) I AT NO TIME ISSUED A CEASE AND DESIST ORDER OVER THAN WHAT IS OUTLINED ABOVE. NOT MY PROBLEM IF TOUR AGENTS CANT UNDERSTAND OR DIFF
ERENTIATE PLAIN ENGLISH 4 ) pursuant to the Fair Debt Collections practices act, sn organizations refusal to accept payment is grounds for cancellation of debt or the matter can be pursued in a court where much higher damages INCLUSING emotional distress violation of state n federal law and pain n suffering wiuld be sought as well NOW, I AM SAYING THIS AS CLEAR AS I CAN, REINSTATE MY ABILITY TO PAY THEU THE AFFIRM APP AND REVERSE THE CHARGE OFF BEFORE I AM FORCED TO SEEK LEGAL REMEMDIES
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Ok I was sent a pre approved offer through the email from capital one with a rate quoted and a pre approved offer number. I did everything they asked let them run a hard pull on my credit cause damage to my scores everything they asked for I did because they told me they would refinance my vehicle and take care of me. They did not. They lied and as far as I can see sent out blanket " pre approval '' letters with NO intention of approving ANY of the people they sent their offers to. They just wanted to solicit offers and then cherry pick the BEST offers from those which they had drummed up. This SHOULD be illegal.
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

I purchased a service from a merchant on XXXX XXXX. The booking was confirmed. The Merchant missed the appointment and when I attempted to contact them to reschedule the appointment, she did not respond. I emailed her twice on XX/XX/year> and XXXX XXXX. I then contacted Affirm to file a dispute on XX/XX/year> and provided the email documentation. The case was opened on XX/XX/year> at XXXXXXXX XXXX. The case number is XXXX. There were multiple correspondence back and forth where I advised the company that I provided the evidentiary support. Services were not rendered yet, Affirm is saying I am responsible for the loan. I contacted affirm on multiple occasions via phone as well as multiple cases of escalation. I also filed multiple direct complaints which are case XXXX and XXXX.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hard Inquiries I did not authorize on my credit. 
Capital oneXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one-XXXX XXXX XXXX XXXX XXXX Capital one-XXXX XXXX XXXX XXXX XXXX XXXX  Capital one-XXXX XXXX Capital one-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one-XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (NC)

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.
Consumer complaint received 2023-09-25
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)

This is my OTHER 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (NJ)

Below is a copy of the complaint I've submited to the NJ XXXX  and NJ Dept. of Consumer Affairs. I've submitted the same by email to XXXX XXXX and to XXXX XXXX. XXXX XXXX refuses to acknowledge said cancellation of contracts and told me to handle it at the gym level. I've asked them to remove all billing information they have on file. I do not owe any monies to XXXX XXXX, XXXX XXXX, or otherwise, in this matter. 

I've attached the emails which exist to date between myself and XXXX XXXX. 


XXXX I recently tried to cancel gym memberships for ( XXXX ) people ( myself, my wife, and our XXXX children ). The owner- XXXX- refused to do so, citing that the memberships were " Term '' contracts. When we signed up, no documents were provided to us and we were told all memberships were month-to-month in nature and could be cancelled at any time, subject to 1 extra month of billing thereafter. Now, the story is different. I met with the owner in person on XX/XX/year> in an attempt to obtain physical contracts and in another attempt to cancel. He began belligerent, verbally abusive, began screaming and yelling at me in the middle of the gym, AND THEN invited me to the parking lot to " ... settle everything another way. '' The gym has surveillance so this was captured, around XXXX or so. I was able to obtain one of the contracts which in fact had a forged signature which was not my own.

I've contacted the billing company for XXXX XXXX - XXXX XXXX - however they provided XXXX help. I removed my payment method that they had on file, however they told me they'd simply send my accounts to collections. 

I was duped by XXXX, hourly employees in to long-term gym contracts ; I was lied to about the terms and conditions ; I did not receive copies and therefore had no ability to cancel within NJ 's 3 day right of rescission. 

The owner - XXXX - told me I was no longer welcome at the gym after yesterday 's altercation. He threatened that if I showed up again, he'd call the police and have me arrested for trespassing. However, he also refuses to cancel my contracts.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

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.

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 informationisinaccurate.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (WA)

Refusing to provide any proof of me owing debt. Refusing to let me dispute the debt. Refusing to let me speak with a supervisor. Assuming I owe the debt because I thought it was for a diffrent company. Lying and saying I admitted to owning the debt.
Consumer complaint received 2024-05-17
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: Larry H. Miller Group of Companies (OH)

I need help because Prestige Financial has caused me major financial harm due to their unfair and deceptive business practices due to their required usage of a GPS payment protection device they put on my car which causes the vehicle to not start. I made my final loan payment on XXXX and paid off my car. I advised them my vehicle would not start a number of times throughout my loan history even though i was not delinquent. This caused hardship in getting to my XXXX appointments. On XXXX and XXXX my vehicle would not start and I had a text exchange with customer service rep XXXX who said she was an XXXX  ( See screenshots of time and date of exchange ). I asked her if they were going to send someone out to remove the device off my car since i wasn't delinquent and had scheduled the final loan payment. XXXX advised they will not send anyone out and that i had to remove the box myself. I asked why? You sent someone out here to put it on so why am i required to remove it? At that point XXXX emailed me directions for removal. The car continued not to start even after she said there was no signal going to the car because they had " turned it off in their system. Since i have to get to XXXX appointments and XXXX and i am off on XXXX, I need my vehicle to start to not interrupt my scheduled XXXX and XXXX appointments. I had to spend money i did not have on a tow truck to have my car towed to the dealership. It cost me {$120.00}. The dealer diagnostic confirmed the car wouldn't start because of this stupid GPS tracking payment protection device. ( Please see dealership invoice {$460.00}. So now i am out {$580.00} because of their faulty box which they refused to remove. Prestige was fully aware of my XXXXXXXX XXXX as i told them when i was diagnosed and facing hardship and worked hard to still get the money to pay my car loan. On XXXX i received a letter dated XXXX ( see attached ) from Prestige saying they would remove the device at no charge. I called on XXXX and spoke to a XXXX and told him to review my account and explain why XXXX told me via text on XXXX and XXXX i had to pay to remove myself. XXXX gave me a bogus email to submit my text exchange and invoices from dealership and get tow truck receipt. I called today XXXX and spoke to XXXX who told me there was no letter they sent. I told him i was looking at the letter and its dated XXXX. I am filing this complaint because of their deceptive and abusive practices. I am a XXXXXXXX XXXX how dare they take advantage of a XXXX person and cause me grave financial harm. This should be a crime and its already proven these payment protection GPS devices are dangerous and have caused accidents and damage to cars. I want to be compensated and i want Prestige investigated to the fullest extent of the law.
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings (FL)

I have numous times wrong address information I never lived in the apartment they are charging false debt and when i ask for the contract or orginal debt they claim to be lawyers and keep sending me the same false information. And continue to report to my credit
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (WA)

Repeatedly, over many months keep sending texts that " XXXX, XXXX XXXX XXXX collects for XXXX XXXX XXXX XXXX a balance of {$570.00} to pay click on this link XXXX XXXX XXXXXXXX or call XXXX. I have spent XXXX hours on hold trying to get a human -- I have all the screen shots as well as the recordings because I am allowed to record them as their automated XXXX. service informs us " this call is being recorded. This is to collect a debt " so on and so forth -- -- - You wait on hold and somewhere in the vicinity of XXXX to XXXX minutes -- -the recording counts down from " you are XXXX in line to # XXXX but no one ever answers and puts you back in line -- -at this point they say you are XXXX in line, then XXXX in line then XXXX in line then XXXX -- -- but no Human ever answers. Two different telephone numbers XXXX and then looking up on internet takes us to a different phone number of XXXX which, today some snippy person started shouting and sighing at me because I can't hear them -- - and I say " This is a business ..... I was getting ready to request written documentation so we can get to the bottom of this when the man says " You are XXXX " to which I say, no I am not. I say you are texting a business and he says " You are XXXX XXXX " -- I say No, I am not we have XXXX people who work in this office, WHO are you looking for you are contacting A BUSINESS - he sighs and then slams the phone down on me. I have told XXXX and XXXX to Cease and Desist. We do not now nor have we EVER had anyone named XXXX work in our firm. They refuse to stop. But, are Required BY LAW to cease and desist once I say to stop -- but they ignore me -- and, furthermore? They have never ever provided ANYTHING at all in writing which they are also required by law to do- I even PAY for a XXXX BLOCKING service which I have done repeatedly for months but they keep doing it anyway - I don't have all of them but I re-blocked them as recently as XX/XX/year> and they are still at it photos attached- I also have but am not uploading several Audio recordings as they are all well over XXXX hour in length and won't really serve much purpose except to prove they never answer the phone even after XXXX minutes in most cases.
Consumer complaint received 2024-05-17
Product: Credit 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: CITIBANK, N.A. (GA)

Citi Cards Dispute Case XXXX XXXX Merchant XXXX XXXX XXXXXXXX XXXX GA Reason for Dispute Incorrect amount Transaction Date XXXX Date Disputed XXXX Credit Status Permanent Credit Applied Transaction Amount {$99.00} Amount Disputed {$77.00} STATUS DETAILS Good news! We've taken care of this for you by issuing a permanent credit for this dispute. 

However, Citi cards allowed Merchant to REVERSE and double charge {$77.00} again.