davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Remove both accounts from consumer Equifax Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible Purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITITY THEFT.
Consumer complaint received 2022-04-25
Product: Vehicle loan or lease — Lease
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: ALLY FINANCIAL INC. (CA)

When I originally purchased the vehicle in XXXX the car dealership charged me for an additional XXXX insurance policy which I did not request. After noticing the charge on my bill of sale, I contacted the dealership and the dealership refunded the amount which was approximately {$3000.00}. The refund was sent to Ally who should have subtracted the {$3000.00} from the original financed amount and re-calculated the interest fees pursuant to a loan for approximately {$3000.00} less. 

The dealership did not send me a refund for {$3000.00}. Instead they sent the approximately {$3000.00} to Ally who, at that time applied the entire approximately {$3000.00} to the interest fees that were already established on the account and told me that I did not have to make a payment until XXXX of XXXX. 

Now that my car has been totaled, the insurance has paid the car off ; Gap is refusing to pay because Gap is stipulating that Ally owes me approximately {$6000.00}. Ally is stipulating that I still owe a remaining balance of {$2300.00}. This issue would be resolved if in XXXX of XXXX, Ally would have put the approximately {$3000.00} refund toward the principal balance and subtracted unnecessary interest fees due to the smaller necessary amount requiring financing. I would like Ally to recalculate the interest fees that were erroneous and should have been recalculated at the time the lump sum payment was issued ; and/or certify that the approximately {$3000.00} should have been utilized and subtracted from the principal balance as opposed to the interest fee balance ; because it is obvious that the approximately {$3000.00} was applied to interest fees entirely in error. The car has been paid off and Ally is still claiming that I have an outstanding balance due to Ally 's error in XXXX.
Consumer complaint received 2023-09-27
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. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I pay if full {$73.00} on XX/XX/XXXX the HSN card and the agent told me that the account was pay in full. Now all of sudden they charging me late fee again since XX/XX/XXXX. I call XX/XX/XXXX and the attitude of these agent are unacceptable when I am very sick having health, XXXX   problem and have been diagnosed with XXXX XXXX XXXX XXXX. I told the agent if the bill was due on XX/XX/XXXXwhy didn't the agent that took the payment didn't tell me there will be a late charge. He claim she could have not see the late fee. Which we all know that is a lie. One day late and XXXX XXXX post the Late Fee fast and start to call and harass customer.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LEXISNEXIS (PA)

Lexis Nexis has not provided no proof of no liens showing my name nor social security number.Lexis Nexis just state things with no proof to as there response collecting data or information that is not correct nor the amount showing correct. There has been no documentation and what law gives Lexis Nexis the right by law to state information with no proof from the source that Lexis Nexis states with no documentation to support there claims. There has been no proof from the source of the debt by the debt from them stating any liens or taxes by the the debt owed to by them from them. Lexis Nexis has not provided by law any documents by the debt that Lexis Nexis states from the source Lexis Nexis just has words with no supporting proof from the IRS or State that Lexis Nexis make claims.
Consumer complaint received 2017-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l. (WI)

This company is in direct violation of 15 U.S.C 1693 ( f ) and FDIC 6000- Consumer Protection ; TITLE VI - ELECTRONIC TRANSFERS 908 Error Resolution and have refused to pay the Treble Damages demanded for failure to conduct a good faith investigation, provide in writing and results of any investigation and determination within ten business days and still have failed to do so, they have failed to mail any findings or reproduce any documents they used to determine their findings, they have failed to provided the verifed, certified and complete transaction history I requested within ten days. These are all direct volations of this consumer protection title vi - electronic transfer 908 error resolution. I received a bill from this company and went online and paid them three times each amount was for {$2200.00} they stated that no account was found. I faxed them a letter of dispute and requested an audit be conducted and asked them to provide me all documents included the verified, certified and complete transaction history of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each payment submitted would apply. The company failed to provide any documentation requested nor did they complete a good faith investigation within the 10 day period and provide the documentation from that. By failing to do so this is a violation of the act stated above and I am entitled to the damages requested that come to the amount of {$20000.00}. They also failed to produce their W-9 form as requested on 10 occassions. they also knowingly and willfully concluded that my account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation as they had produced no such documentation to support that finding and this was all done AFTER the 10 days in which they had and also not until I told them I would be filing complaints with the FTC, FDIC, and CFPB. I sent a demand letter for the damages in which they ignored.
Consumer complaint received 2023-11-04
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. (TN)

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and equifax credit agengies but it has came back as verified on XXXX  and equifax but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on equifax is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-11-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OH)

I received notification that NetSpend had created an unsolicited XXXX XXXX XXXX from XXXX, XXXX. XXXX  in my name and sent it to me through the USPS. The account creation was complete with a routing number and bank account number. They mailed the card to me indicating it was ready to activate. This was unbelievably insecure and irresponsible, particularly knowing how the mail has been compromised.

I have attached a copy of the literature they sent with the card. This copy is redacted. I also have a copy of all the literature including the card they sent in case evidence is required that includes the actual account number. I requested they cancel the account and card and that they never contact me or anyone at my address again. I also requested they remove ALL of my information from their systems except for this notice and my address.
Consumer complaint received 2023-11-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (IL)

I am disputing the amount that RMP is trying to collect. I have written multiple times asking for proof of the original debt along with proof that they are authorized to collect the debt. When I speak with them the agent says that she sees my multiple requests, but yet no one is complying with the Fair Debt Collect Act. Instead of providing proof they have decided to harass me multiple times a day and week with obnoxious calls at at all times. I have also asked that calls stop until both documentation is provided per the Fair Debt Collection Act. They will not provide proof nor stop calling.
Consumer complaint received 2023-09-04
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. (MO)

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 Account name XXXX XXXX has violated my rights. 

15 U S C 1681 section 604A : 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 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELYI
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/year> in which I formally disputed the accuracy of certain collection accounts on my Equifax credit report. The disputed accounts and their respective account numbers are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your attention to this matter and understand the time required to conduct a thorough investigation. However, as the 30-day timeframe outlined in the Fair Credit Reporting Act ( FCRA ) has passed, I am eager to receive an update on the status of the investigation.

I kindly request that you provide me with the following information : 1. The current status of the investigation into each disputed account.

2. Any findings or updates regarding the accuracy and validity of the reported information.

3. Any actions taken to rectify inaccuracies or incomplete information.

I emphasize the urgency of this matter, as the presence of inaccurate collection accounts on my credit report is adversely affecting my financial standing. I am aware of my rights under the FCRA and trust that Equifax is committed to ensuring fair and accurate reporting. 
If additional time is required to complete the investigation, please provide a reasonable timeline for resolution. Your cooperation in promptly addressing this matter is crucial, and I look forward to a timely response.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are XXXX collection accounts on my Equifax Report that should have already come off. 

XXXX XXXX ending in XXXX had a date of first delinquency of XX/XX/XXXX ( removal on XXXX ) and Equifax will remove an account 30 days prior to retention date, which would have been XX/XX/XXXX. 
They are showing that the date of first delinquency was XX/XX/XXXX. That is inaccurate. That would mean that this is due to come off XX/XX/XXXX and with Equifax 's policy mentioned above, it will be removed XX/XX/XXXX. You may think this is not a big deal because that is in 26 days, but this should have already been off of my report. 

XXXX XXXX ending in XXXX had a date of first delinquency of XX/XX/XXXX ( removal on XX/XX/XXXX ) and Equifax will remove an account 30 days prior to retention date, which would have been XX/XX/XXXX. 
They are showing that the date of first delinquency was XX/XX/XXXX. That is inaccurate. That would mean that this is due to come off XX/XX/XXXX and with Equifax 's policy mentioned above, it will be removed XX/XX/XXXX. You may think this is not a big deal because that is in XXXX days, but this should have already been off of my report. 

I have called Equifax incessantly, spoken to multiple Supervisors, filed many disputes about these XXXX accounts & reached out to XXXX XXXX ... .to no avail. These XXXX accounts have already been removed off of my other credit reports. Equifax needs to remove these accounts from my credit report. Unfortunately 7 years ago, someone ruined my credit. I did my time... waited the 7 years and this company is playing games. 

In addition, I purchased this product called Equifax Complete, so I can see up-to-date information daily on my credit report and it provides credit scores for Equifax, XXXX & XXXX. Much to my surprise, my XXXX credit score is being reported on their website as XXXX, when in actuality it is XXXX, which I took a snapshot of XXXX minutes prior on XXXX 's website. Equifax is reporting inaccurate scores. I don't know my XXXX score yet, but Equifax is reporting it as XXXX, which can not be right because it has nothing bad on it and has same accounts as my XXXX account has. This needs to be rectified ASAP. These people can not just mess with people 's credit like this. 

* I'm not sure why my husband 's name is on this account. His email is XXXX. I will call you on Monday to rectify this. 

Thanks, XXXX XXXX
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX XXXXXXXX did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

In XXXX of XXXX I went to the XXXX XXXX to buy my wife a car. I was informed by the car salesman that I was approved for a line of credit through Comenity Capital BankXXXX. The account was opened and I was under the impression it was set up on automatic payment. Once I found out that it wasn't being paid automatically, I made every effort to resolve the debt. I talked to an agent from Comenity in XX/XX/XXXX and set up a payment plan to XX/XX/XXXX out the debt. They took payments from my checking account on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, and XX/XX/XXXX for {$100.00}. The agent had informed me once the final payment was received that they would remove this account from my credit report. They did not remove it and furthermore they sold the debt to a company called LP. I contacted LP and they told me they showed an outstanding balance of {$460.00}. I agreed to pay them if they removed it from my credit report. I payed {$460.00} to a company called XXXX XXXX on XX/XX/XXXX. This account is still on my report and I don't seem to be able to get any agency to remove it. I am a father of XXXX with a mortgage, car payment, and I am on XXXX. I am trying to refinance my home and this account on my credit report is making it impossible. I would never knowingly let an account get to this state. I am being responsible and making payments on time for all my other accounts. Please help in this matter. Your help is greatly appreciated.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 submitted the front of my id, a utility bill and my social security card to transunion credit reporting agency in my defensf of XXXX. I provided documentation to prove Ive received couseling from the givernmnet official agency about my situation. Transunion has not responded nor remove blocked and deleted the debts from my credit report. I provided all documentation as well as a self attestment validated by a court appointed rep. from the courts with the time stamp and dates on it. I am XXXX compliance with the final rule which establishes me as a victim of debt XXXX. Can you please block this information from my cra reprot immediately within 4 business days as stated in the fcra 605c. I have included all the items that were asked to be blocked and delete but nothing as happened and it has been well over 30 days. Ive included the certified mail to provve that this dispute was sent and received as well as ignored XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : Please remove the below Consumer Statement from my credit report : CONSUMER STATES THAT THE DELETION OF INQUIRIES ON FILE WILL BE DELETED IN FOUR DAYS UPON THE RESULT IS OUT AND FINAL SUPPORTED WITH DOCUMENTS Attached to this complaint are : - written complaint + screenshot of Equifax where it shows to remove - drivers license - social security card - Proof of address Please remove that phrase immediately
Consumer complaint received 2023-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (MN)

I applied for a loan on XX/XX/23 and the principal balance was XXXX, XXXX. I was told that the interest rate was 10.99 % but was not told that it was daily interest. When I asked, I was told it was in the fine print. The statements that I receive does not show the full amount owe, it is noted to call for full amount owed. The statement does not show interest accumulated or other charges.