davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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. (FL)

CEASE AND DESIST This is not a normal complaint this complaint is to expose the bureaus fraudulent practices that you the CFPB can do what you are supposed to do and shut em down until they do manage to do business by the law. Ive complained about this issue several times. I need action and recourse. CFPB it is your whole reason for existing. to make sure that these institutions dont take advantage of consumers. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which mandates a reasonable investigation of disputed items on a credit report within 30 days, I have found your lack of action and correction unacceptable. The Accounts listed in the attachment have not been properly investigated nor verified with the diligence the law requires. Moreover, under 15 U.S.C. 1681b, the FCRA stipulates conditions under which you are permitted to report consumer credit information. Express permission is a requirement not to be overlooked. Without my consent, the reporting of any such unverified and incorrect information constitutes a direct violation of these statutes, effectively amounting to the illegal dissemination of data. Let this letter serve as a formal notice for your agency to CEASE AND DESIST all reporting of the aforementioned unverified and incorrect information related to my consumer credit files. Immediate rectification actions are required to address these inaccuracies, including but not limited to the deletion of these items from my record, to bring your operations into compliance with 15 U.S.C. 1681i ( a ).
Consumer complaint received 2023-07-07
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: Resurgent Capital Services L.P. (CA)

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 reports 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 IMMEDIATELY!
Consumer complaint received 2023-06-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On XX/XX/2023 I entered into a loan agreement with Credit Acceptance financing for XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. One week of having the car the battery went bad causing the key fob to malfunction. At first they didnt want to do anything about it but they gave me a battery. One week later the cars gas needle stops working and the car is having hard shifts as if the transmission is slipping. As I take a closer look at the car I can clearly see its been wrecked on the passenger back side.
Consumer complaint received 2022-12-28
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. (FL)

XXXX XXXX XXXX XXXXXXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. 

XX/XX/XXXX - XXXX XXXXXXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX, XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. 

XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX - Equifax Mortgage- No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX - Equifax Mortgage - XX/XX/XXXX - Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX- XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX, XXXX, Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 


Thank you
Consumer complaint received 2023-04-19
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. (PA)

XXXX has failed to comply within required timeframe. 
XXXX is a repeat and habitual offender. 
XXXX XXXX, on XX/XX/2023, XXXX from EQUIFAX did acknowledge and confirm the receipt of Victims Complaint. 
XXXX has failed to comply.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I was checking my credit report and I observed that there is a bankruptcy that is reporting on my credit report. So I wrote a letter to the Bankruptcy XXXX in XXXX XXXX and they sent me a letter stating that they do not report bankruptcies to the credit bureaus. I sent a letter to each bureau previously and they said that they had validated it with the courts. So that information was not true. My personal information is supposed to be protected as a consumer. This a violation of my right to privacy reporting this to Experian, XXXX, and XXXX. Also dishonest disputing methods were used because nothing was able to be validated as accurate.
Consumer complaint received 2024-03-07
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. (IL)

I am facing a distressing situation of identity theft with unauthorized accounts, notably a charge-off linked to XXXX on my Experian credit report. I want to emphasize my lack of involvement in any transactions with this company. Despite persistent efforts, no conclusive evidence validating this account has been provided. Furthermore, Experian appears to disregard my concerns despite disputes and a detailed police report. The XXXX XXXX XXXX exacerbates the situation, resulting in more fraudulent accounts opened in my name. Additionally, XXXX XXXX XXXX pursues a debt related to the XXXX account XXXX which I do not owe. I have attached requested documents, including a police report and FTC report highlighting fraudulent accounts, after initially providing them.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my XXXX  well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
TransUnion continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

NOTICE TO CEASE AND DESIST To whom it may concern, This is in reference to the consumer report dated XX/XX/2022. While checking the above report, it became obvious that your company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding the debt directly or indirectly through to any person through any medium. XXXX  is literally providing this information to the credit reporting agency. And the credit reporting agency is furnishing this information without validating the transaction which makes for an unfair and unequitable consumer report for me. As per the literal interpretation 'Any medium '' included any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing the information regarding the alleged debt ) by the company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices act ( FDCPA ) If you do not cease communication a lawsuit will commence against you.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (KS)

On XX/XX/XXXX I had contacted XXXX student loan servicing to request a refund on my student loan payments starting from XX/XX/XXXX to the present day of the call. Under XXXX XXXX I should be elegible for the refund of those payments. However, I did not receive confirmation of the request, nor in electronic form or in writing. In called back again today XX/XX/XXXX and received information that my request was processing simply by oral confirmation through the phone. I still requested confirmation in writing that my request is in process, they however declined to provide such proof. Furthermore, the current balance on my account does not reflect that a request has been made. Through my communication with XXXX, they expressed that a refund check would take more than 6 months, however, the statement on my account should reflect the balance after a refund at this point, which is not the case
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For years, Capital One has been sending me a remittance coupon statement, as the payment for which is owed. I have recently found out that these detachable coupons sent to me as a bill, are a way of payment. I've been paying them via online because they want you to feel like it's quicker, but it's actually to distract us and not notice that these are actually checks/money orders. I mailed out my remittance coupon certified, which they received with a notarized letter attached with a list of Consumer Law codes that states a coupon is worth whatever the face value it has printed on it. Banks are redeeming the coupon with the government and receiving another payment from my trust. They are double dipping and getting paid twice. And instead, they send me a letter asking me to re-iterate what I sent them in my letter addressed to the CEO as if they didn't understand or just prolonging the process, and want me to respond to customer service. I find this as brushing it off so that I can keep getting run arounds.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-22
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. (NY)

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
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. (TN)

In accordance with the fair credit reporting act this creditor has violated my right under USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also says a consumer reporting angency can not furnish an account without my writen instructions. Under 15 USC 166 b a creditor may not treat a payment on a credit card account under a open credit plan as late for any pourpose and they need to be removed.
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (NJ)

Capstone collection is fraudulently adding collection accounts my credit report without providing the liable signature document showing proof of ownership to the collection account, I never lived or applied at XXXX XXXX and they added a collection to my credit report without attempting to call to verify nor did I receive any mail
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian has violated my Federally Protected rights under the FCRA. I have tried everything to rectify this issue and you failed have negligently and willfully failed to comply. So I am not disputing or no longer asking for substantial credible proof that you failed to provide, but I am now putting you on Notice to Cease and Desist Communication from me within 30 days including the removal of the accounts in the attachment. Failing to comply will result in Legal Matters in Federal Court. Not only has my livelihood been affected but my children as well. These injuries has caused me huge damages including mental anguish, and mental distress. My consumer report is suppose to be equitable and fair to me according to the FCRA and it has not been it has been used with Extortionate means for you to benefit from it. I never received disclosures from you according to the Gramm Leach Bliley Act, which is also a violation.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to TransUnion consumer services provided illegally activities refund my money due illegally activities I was told my membership was cancelled an I was supposed recovery my refund never received it an people working for TransUnion work from home fraudulent activity request were my refund at my unpaid service that been cancelled
Consumer complaint received 2023-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

This complaint regards an online savings account I held with Ally Bank. 

In XXXXXXXX XXXX XXXXXXXX, I received notice from Ally Bank that they had decided to close my savings account, without stating a reason for the decision. I do not dispute that they were within their rights to do so. 
On XXXX XXXX XXXX, I received notice from Ally Bank via email that a 1099-INT had been generated for tax year XXXX for interest accrued on my now-closed savings account ( see attached screenshot ). A link was provided in the email to log into my online account to view the 1099 document. 

Upon attempting to log in, I discovered that Ally had blocked access to the online profile for my closed account ( see attached screenshot ), rendering me unable to view my tax document, which will be necessary before I can file my taxes for XXXX. 

On XX/XX/XXXX, I placed a phone call to Ally Bank customer service explaining the situation. I was told that they would not be able to restore access to my online banking so I could review my tax document online. I was ultimately given a case number ( # XXXX ), and told to wait for a call-back from their " back office '' to discuss my case. I also verified my physical address for them during this call, so I do not know why they are unable to simply mail me a physical copy of the 1099. 

9 business days after that interaction with customer service, I have not received any further communication from them, nor do I have the time to wait on hold for another hour to speak with a representative on the phone, just to be given a runaround again. 

As Ally Bank has no listed email for customer service correspondence, nor any way to access live online chat without online banking access, I feel this is my only reasonable avenue for a resolution.
Consumer complaint received 2022-09-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I consistently informed the collection agency the debt was not valid. I also requested validation of debt several times. It wasnt until months later they provided me with my lease agreement as well as a document that wasnt at all accurate. Since then I called the original creditor XXXX XXXX and requested my ledger which I will attach below, which not only validated my statements, and also provided fraudulent activity by management on my account. 

Thank you for your time.
Consumer complaint received 2023-05-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (AZ)

Approximately XXXX the Resurgent collection agency instructed a private XXXX XXXX XXXX seize my XXXX XXXX XXXX I Own since XXXX, without a notice. The debt collector refuse to send a validation notice and fail to respond to your verification letter.
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (MI)

The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.