davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Ive sent multiple cease and desist letters to XXXX XXXX already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia [ XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation XXXX out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. Fulton Friedman & Gullace , LLP. 825 F3d 317, 325-26 ( 7th Cir : 2016 ) *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing Pollice, 225 F.3d at 404-05. ) Respectfully, XXXX XXXX
Consumer complaint received 2023-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In Accordance with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
Consumer complaint received 2023-05-25
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: Lewis, McDonnell & Associates (TX)

The original creditor was XXXX XXXXl original Account : # XXXX File # XXXX Balance : {$630.00} Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
They say the debt originated XX/XX/XXXX and charged off XX/XX/XXXX in the amount of {$630.00} The address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not mine. My address is XXXX XXXX XXXX XXXX XXXX XXXX. The copy of the document that I received from XXXX XXXX XXXX XXXX XXXX XXXX was a XXXX document and it is not my Signature I want an original copy of the documents, and I would like to know how the company completed the investigation.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX  sent a debt to awa collections or the collection agency awa bought a charged off debt. not sure which one. I disputed it in XXXX of XXXX sent documentation to support my case to awa and it was closed. Received a letter in XXXX XXXX for same debt from awa collection and called immediatly to dispute again. The person handling my case since XXXX of XXXX named XXXX said she would take care of it. The debt showed up on my credit report in XXXX as I needed to buy a car and my credit rating went from XXXX to XXXX because this debt that I did not owe and already proved in XXXX of XXXX was reported to XXXX on XX/XX/XXXX by awa collections. I wa sturneddown for loans or offered a loan with very high interest rates making the payments to high for my budget. I went back and forth between awa XXXX and XXXX for the next couple months. I asked XXXX in several phone callls how they validated the debt she said they were waiting to hear from the original creditor and continued to report as a valid debt. it wasnt until I sent a certified letter asking for verification and validation that they took it off no explaination and said they didnt need to send me the information I asked for. It is to late my credit score is ruined and it is directly the fault of awa collection mainly XXXX that handled my case. I had to use cash advance from my credit card to buy a car so now the balances are high and I have numerous inquires on my credit report I am moving in a month and my credit score is only at XXXX which is far from XXXX which I worked hard to get and maintain until AWA decided to ruin my life.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

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 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

BOA Business card charged for a XXXX transaction XX/XX/22, processed as cash transaction creating a fee and interest charges as shown on XX/XX/22 statement. Balance paid in full by due dateXXXX but interest charged on cash transaction carried into next month on balance. Charged again in following month XX/XX/22 on unpaid interest as it accrues interest daily. 

Creates a virtual loop of charges for unpaid charges even though you are paying on time. 

Only way to end was to direct funds transfer to pay interest charges XX/XX/22. Rate on cash was a whopping 22 %. 

Its a corrupt scheme to bilk consumers.
Consumer complaint received 2017-05-11
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. (NV)

I have submitted proof of my student loan being cleared and paid in full multiple times. The credit bureaus Experian and  XXXX  continue to not accept the Department of Education/ XXXX  legal paperwork. Both Bureaus have several student loan accounts still open that should be close. I have secured the services of an attorney who will be moving forward once Experian and  XXXX  acknowledge receipt of complaint.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

First, after I bought the new car on XXXX XXXX XXXX was SUPPOSED to pay off my old lien holder involving a car from a car accident ( I didnt have GAP insurance so I owed around {$3000.00} thus why I was buying another car ). They repeatedly dodged my calls and I had to go in countless times to the dealership with my kids just to get an answer. The finance manager at XXXX XXXX ( XXXX ) told me at the end of XXXX that the payment was sent to my old lien holder. XXXX I get a call from my old lien holder asking why they havent received the rest of the payment from me. I assured my old leinholder that the ~ {$3000.00} was sent end of XXXX from XXXX XXXX in XXXX Indiana AS XXXX HAD SAID. XX/XX/XXXX comes, and my old leinholder reported me late for payment. ( This dropped my credit 70 points. Ive been working on my credit for four years and now Im back where I was when I was XXXX  ). I go into the dealership again, and XXXX tells me that there was a mistake on my paperwork when I officially bought the car. XXXX told me the paperwork does NOT have anything regarding paying my old leinholder. I thought this was very odd, especially considering I didnt get approved the first time they ran my credit BECAUSE of the amount I owed my leinholder! They had told me they were financing the XXXX on top of the cost of the car. Anyways, XXXX Im at the dealership, I ask XXXX to see their copies of my paperwork and sure enough, its as if there was never any talk of the {$3000.00}. They then handed me a yellow slip that says I owe, promising me a {$3000.00} check. I was told I was being given customer service from the owners wallet by XXXX. Me, being desperate to save of whats left of my credit and pay my leinholder, I pay my leinholder hoping that the closed account would boost my credit. I was happy for a short time until I found out that it did nothing. Turns out, payment history is a significant part of your credit and neither the dealership nor my old leinholder will help me with fixing my credit. My old leinholder asked for a statement on letterhead from the dealership explaining why the payment was delayed in XX/XX/XXXX so they would remove the late payment flag. XXXX said that there was no way he could do that because if they got audited it would look bad. My information was misused when obtaining a car loan as well. Im a XXXX XXXX who attends XXXX  full time and receives a lot of XXXX XXXX : I do not come close to making the {$2500.00} a month put on the paperwork. I didnt know the income was inaccurate until XX/XX/XXXX. XXXX XXXX also put several inquiries on my report and say that cant help remove any of them. I wouldnt care if one or two were kept, but they dragged my credit through a ton of banks and now its showing up as a large sum of inquiries. Im desperate to save my credit and I need help. Ive been to all three credit bureaus and have been in full communication with my old leinholder XXXX and the new dealership XXXX XXXX in XXXX IN.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

EQUIFAX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX am submitting this complaint on my own behalf. 
After reviewing my credit report and disputing said account for several inconsistencies regarding the payment history for : XXXX XXXX XXXX XXXX  XXXX XXXX, Equifax, and XXXX are reporting different payment status, last reported dates, dates last active, inconsistent payment history as referenced on attached credit report. 

This account is reporting by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. Therefore, your agency is entitled to remove this negative account from my credit report IMMEDIATELY. 
Furthermore I would like to remind you of two laws that indicate you can not report this type of information on my credit report.Under 15 U, S, Code 1681b Permissible purpose of consumer reports indicates written permission must be given to report anything on my consumer reports.I XXXX GAVE YOU WRITTEN PERMISSION. No consent is fraud-therefore you can not legally report this alleged charged off account to my credit report15 U.S. Code 1681 section 602A state that I have a right to privacy
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (NJ)

I do not recognize these XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This information is incorrect XXXX XXXX XX/XX/XXXX This inquiries were not authorized XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AR)

Purchased flooring from XXXX 's XXXX on XX/XX/XXXX via Synchrony XXXX Credit Card. Noticed that there were issues with the flooring after install and I contacted XXXXXXXX XXXX directly to resolve. They asked me to wait 90 days to see if it would resolve on it's own and it did not. After attempting to contact XXXX 's again to no avail, I reached out to Synchrony to file a dispute. On XX/XX/XXXX I filed a dispute in the amount of {$6000.00}. This dispute was entered by Synchrony as {$600.00} instead. XXXX 's did not respond to this dispute and on XX/XX/XXXX I received a credit of {$600.00}. I called Synchrony to inform them that the dispute credit was for the incorrect amount and on XX/XX/XXXX a new dispute was filed for {$6000.00} with a required response date of XX/XX/XXXX. XXXX 's failed to respond during this timeframe and then on XX/XX/XXXX, XXXX 's was sent another notification and was given until XX/XX/XXXX to respond. On XX/XX/XXXX XXXX XXXX responded to say that they were unaware of any problems. This statement from them was not truthful as I personally went into the store to meet with XXXX on XX/XX/XXXX and showed her a video of the sounds my floor was making. At this time, she stated that she was going to have her manager contact me. I waited 1 week and called XXXX back and spoke to XXXX who stated she was with a customer and once done, she would call me back- which never happened. On XX/XX/XXXX I filed a dispute thinking this would get their attention. However, because Synchrony filed the initial dispute for the wrong amount, I was forced to file a second dispute and reopen the case. I feel like Synchrony never did anything to work with me as they only seem to have cared about XXXX 's side of the story and sided with them in the dispute even though you can clearly see that Synchrony failed by filing the dispute for the incorrect amount and XXXX 's lack of, or slow, responses.
Consumer complaint received 2023-05-25
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. (FL)

I had and account with XXXX and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC (AL)

I had a motorcycle lease with Motolease , LLC. I closed the account at the beginning of XXXX. XXXX is still reporting that my account is delinquent. They have reported a delinquent status for the month of XXXX and XXXX. I have spoken with 3 different people who have admitted that there was an error on their part and that it would be fixed on their end. To this point, it has not been fixed. This error has been hurting my credit tremendously and I am not getting any positive feedback from XXXX. I have asked for correspondence to be emailed to me so I could send it to the credit bureaus and they have failed to do so numerous times. I spoke with a supervisor who ensured me that they would send me documentation and each time they have failed to do so. When I did speak with someone, they told me to " just dispute my credit report ''.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I opened a savings account last XXXX, responding to an offer for a {$150.00} bonus if I kept {$20000.00} in the account for 90 days, which I did. Capital One did not pay the bonus, citing fine print that said the period was really 105 days rather than 90. A previous complaint to the CFPB resulted in a letter from Capital One that did not address the issue, i.e. that there was clear language in the offer saying 90 days. I tried repeatedly calling the follow-up number provided in the letter to talk to someone named XXXX who apparently does not exist. I left several messages, none of which were returned. Not paying this bonus is a clear violation of contract law and false advertising statute. I will pursue in court if it is not paid.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes for all inaccurate information on my credit report with transunion. please delete all information listed. this information is not 100 % accurate. delete all listed items that needs to be cleared to correct my credit report.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-17
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)

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. 

has violated my rights. Or the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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 2023-05-16
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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