davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL (FL)

Attorneys XXXX, XXXX, XXXX XXXX XXXX of XXXX Florida have filed a lawsuit against me for a credit card that was charged off. They are a third party debt collector. It was XXXX XXXX that I had the original credit card with. I was never notified by the original creditor that they were selling my debt to anyone and by law they are supposed to notify you. I was told it was sold to a company called " XXXX XXXX '', whom in turn sold it to XXXX, XXXX and XXXX. I only know of the lawsuit because I was contacted by a Mediation firm in XXXX, FL.who offered to mediate the debt for me for a price that was not disclosed to me. I asked how he knew and I did not. The reply was they look up public records. Otherwise I would have not known anything about a law suit. I have written to them by certified mail and asked them to provide me with proof of Assignment or proof it was sold to them from original creditor and testimony from original creditor attesting that the bill of sale is true and accurate.They have not provided me with this. For this reason and because I was not notified by the original creditor, I ask that they withdraw the lawsuit. To date I have not been served a summons. I am XXXX and living on social security XXXX each month. This is my only source of income and is protected from wage garnishment as Is my home under the Homestead exemption laws in Florida
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit ( my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from XXXX XXXX, XXXX.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I opened this account last week online, my card was delivered today. I activated it and attempted to use it and at the atm for {$400.00} and it declined. I called the number on the back of the card and now Im told I cant pass otp verification even though this is my only number and the number I signed up with on the account for. Yall literally have credit card settings on a XXXX debit card this is my money not yours! Your not lending me anything
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AK)

My XXXX XXXX card handled by syncrony bank has a good cash back program- this is the second time in less than 2 mo that my rewards havent been accurate and actually have been altered- the compakhy tells me its a computer issue - currently they say I have over XXXX in rewards and Im showing XXXX. This is an ongoing issue and XXXX does not help-
Consumer complaint received 2022-09-10
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. (NY)

XXXX XXXX and Experian all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX THIS DO NOT BELONG TO ME! 
I WILL LIKE FOR THEM TO BE REMOVED THANK YOU.
Consumer complaint received 2024-03-02
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  XXXX account # XXXX and XXXX account # XXXX and XXXX account # XXXX has violated my rights as a consumer. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS Under 15 U.S Code 1681b Permissible purpose of consumer report. I never gave you any written consent to report anything on my consumer report. 


As a consumer by LAW, these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my state and city. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorneys General Office, XXXX XXXX XXXX, and The Federal Trade Commission.
Consumer complaint received 2020-02-24
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: Bread Financial Holdings, Inc. (FL)

Comenity Bank XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.
Consumer complaint received 2023-06-14
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. (IL)

If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.
Consumer complaint received 2017-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Navient states that there is options for repayments on my high loans. When I called they claimed there were no options for me. When I stated that their site stated that Navient offers repayment option and that I needed to call, I was informed that I was mistaken.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have been having issues using my Experian account to review my 3 credit bureaus. I pay a fee monthly for the service. Every time I try to refresh my information, I get the message it is unable to verify information with XXXX because it may have different information.
Consumer complaint received 2023-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Zarzaur and Schwartz, PC (AL)

I had a car with XXXX XXXX  in XXXX and they repossessed the car in XXXX while I was still making payments complaining about late fees that they attached to my regular payments. They have been trying to get {$7000.00} out of me and now they have garnished my wages and I have called Zarzaur and Schwartz repeatedly to stop the garnishment and I would work out a settlement. They refused to do so.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-24
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. (CA)

I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). 

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2018-10-05
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Earnest Inc. (CO)

I was given higher interest rates due to my marital status and the company 's unwillingness to consider household income ( they only consider my " individual '' income which is discrimination considering that my spouse and I are ONE household and we make ONE income ). Marital status is protected under the ECOA. 

They are refusing to reverse the credit pull they performed under fraudulent advertising and have no proof I authorized this. They also did not use my correct salutation when addressing me which is also quite offensive.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-14
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. (GA)

I, XXXX XXXX, am the natural person and consumer identified under the FDCPA and FCRA. It has come to my attention that my right to privacy as a private individual, as outlined in Title 15 U.S.C 1681 ( a ) ( 4 ), has been repeatedly violated. I want to emphasize that I have never provided written permission, as stated in Title 15 U.S.C 1681 b ( 2 ), for any of these transactions to be posted. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my written consent.

According to Title 15 U.S.C 1681s, it is your responsibility to enforce administrative actions. I must point out that the minor companies, namely XXXX, XXXX, and Experian, are liable, as per Title 15 1681 2 ( b ), for their failure to make sufficient efforts to maintain accurate information. Due to the inaccurate information present on my consumer report, I have filed an identity theft report with the FTC. You have 4 days to remove these inaccurate accounts after filing identity theft report pursuant to 15 U.S.C 1681 c-2 ( e ). Proof of identity has been attached also. Along with FTC affidavit. 


I am writing to urgently request the immediate removal of the following accounts from my credit report 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 Furthermore  XXXX I wish to remove the following inaccurate collections on my consumer report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I kindly request your immediate attention and resolution of these matters. 

Sincerely XXXX XXXX
Consumer complaint received 2021-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 I sent documents disputing multiple fraudulent inquiries associated with my credit report. Ive sent dispute letters to the EQUIFAX bureau. Below are the inquiries and dates they took place. I would like these removed from my credit as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX/AUTO XXXX XXXX XXXXCredit union XXXX XXXX/Telephone  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/Pers.Loan XXXX XXXX  XXXX  XXXX/AUTO XXXX XXXX  XXXX  XXXX/Finance  XXXX XXXX  XXXX XXXX/Bank  XXXX XXXX XXXX XXXX XXXX/Pers.Loan XXXX XXXX XXXX/Pers.Loan  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXXXXXX XXXX/Pers.Loan XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I submitted a complaint ( complaint # XXXX ) on XX/XX/23 on Experian. My complaint was closed and marked as a duplicate on XX/XX/23. This is NOT true. This is not a duplicate. If you would have actually read the complaint, you would know this... 

Here is another copy of the previous complaint : I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. See pages 16, 17, 18, 19, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

A proper investigation was NOT completed. If it were, then ALL of the information from ALL 3 credit reporting agencies would be complete and accurate.

You now have 15 days to do as I ask. I've already consulted an attorney. You are reporting inaccurate items and I want them deleted NOW!!!
Consumer complaint received 2020-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RANLife, Inc. (TN)

The mortgage was sent to a new processor. The original mortgage was with Ran Life. The new monthly mortgage also says Ran Life, but the amount of money due is double the payment plus {$520.00} late payment. I have called 3 times to have this corrected after received a letter stating this. No one will help, nor let me speak to a supervisor. I need them to get this corrected. They tell me to rip up the mortgage statement. I will not pay next month 's mortgage until this is corrected.
Consumer complaint received 2017-11-01
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 (IL)

XXXX XXXX I paid my statement balance 1 hour late. I incurred a lets fee which the company did waive and {$30.00} in interest which the company would not waive. I also found out later that fit 2 months I have to pay finance fees. The company did waive 1 fee. I have always paid my statement balance in full on time except this one time I was 1 hour late.
Consumer complaint received 2017-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XXXX/XXXX/XXXX, I purchased a used car from XXXX XXXX XXXX in XXXX, WA using pre-approved financing which I had obtained through CapitalOne Auto Finance  ( I 've uploaded the vehicle sale contract from XXXX XXXX XXXX and the first monthly statement that I received from CapitalOne ). 

Per my contract from XXXX XXXX XXXX : APR : 6.61 % Number of Payments : 72 Amount of Payments : {$300.00} Finance Charge : {$3900.00} Amount Financed : {$18000.00} Total of Payments : {$22000.00} Total Sale Price : {$22000.00} Per my first monthly statement from CapitalOne Auto Finance : Amount Financed : {$18000.00} Interest Accrued this Period : {$78.00} Ending Balance : {$18000.00} What does not seem right to me is the 'Interest Accrued this Period ' charge of {$78.00}, which was not disclosed at the time that I executed the contract with XXXX XXXX XXXX . I called CapitalOne and they said that it was per diem interest accrued from the day that I purchased the vehicle toXX/XX/XXXX While I do understand how per diem interest calculations work ( I work in the mortgage industry ), I do not understand why that interest was not disclosed to me or factored into the final numbers when I purchased the vehicle. 

I was also told by CapitalOne that my first payment is due on XX/XX/XXXX and my last payment is due on XX/XX/XXXX, which is a 73 month term and is not what I agreed to. By my calculations, the 73rd payment would be for {$78.00}, which is the amount of the undisclosed per diem interest that I did not agree to. Please advise.
Consumer complaint received 2023-06-21
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-04-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2023, someone opened a Bank of America credit card in my name, in the amount of {$16000.00}. I have NO knowledge of this nor did I open this account. I reported it immediately to Bank of America. They put an alert on the credit card and closed it. Five ( 5 ) days later, XX/XX/2023, someone opened yet another credit card account in my name, in the same amount, {$16000.00}! I was never notified of this credit card, until I received an email from Bank of America. Someone had credit card sent to my old address in XXXX  I reside in XXXX. I contacted Bank of America again, but they would NOT close the account! Stated that I had insufficient information and didn't correctly answer their security questions. I notified all three credit bureau agencies both times and have a FREEZE on all three reports. Bank of America refuses to close the credit card account in my name, that is now shown on my credit reports, when this is NOT my account.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

There are medical collections on my account that should not be on there. According to The Fair Debt Collection Practices Act ( FDCPA ; 15 U.S.C.

1692-1692p ) and P.L. 
115-174, Section 302, provides veterans with credit reporting protections relating to medical debt, including extending the waiting period for medical debts in credit reports to one year and removing paid or settled medical debts. 

The following accounts are either less than {$500.00} and/or reported within less than a year : XXXX XXXX XXXX  {$250.00} Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}