davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (TX)

XXXX XXXX XXXX XXXX, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX XXXX XXXX several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a SONOS speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include Experian and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my Experian FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My phone was stolen and someone hacked into my phone/online banking and used my information to buy tickets to a hockey game. The transaction is for {$110.00}. I have contacted the seller, the tickets were never used. Apparently the thiefs used my email to try and get a refund as well through XXXX. I contacted my bank and disputed the charge, however capital one stated that I am still responsible for the tickets. I do not feel that I should have to pay for this charge as this is not my fault and my account has a {$0.00} fraud liability agreement. Please help!
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo pressured me into opening a business savings account and then lied that it was a requirement that they also sign me up for a business credit card at the same time. Years later I finally closed said business account, that was two and a half years ago! I get at least one card offer a week from them and they tracked me accross state lines to a state they don't even have a branch in. This week was the final straw, they sent me a business credit card for the account and business that I closed down two and a half years ago.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have been trying to lift a one time credit release on my credit report and the company 's system is generating questions from previous accounts on my credit and the amounts that were paid on them. I tried to explain to them that no one can remember exact amounts for payments from years ago with no avail. HAVE SPOKEN TO SUPERVISOR THAT THEY INDICATE THEY CAN NOT AND DO N OT HAVE NAY OYTHER MEANS TO VERIFY MY IDENTITY OTHER THAT ASKING QUESTIONS GENERATED BY THE SYSTEM THAT DO NOT MAKE ANY SENSE.I need to release me credit report and have gotten stuck and it is causing me thousands of dollars in damages due to their idiotic procedures. Need HELP.
Consumer complaint received 2022-10-05
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. (AZ)

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below are the lists of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2019-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc. (GA)

I am a XXXX veteran who co signed on an auto loan with my XXXX  XXXX veteran brother who has XXXX. 

Complaint # 1 I was not informed that late payments would be reported to my credit report because the Dealership nor G.M.Financial Corp.did not provide a seperate co-signer notice as stated below by CFPB Regulations, until I received a phone call from G.M. Financial on XXXX-19 after payments was 3 months passed due. After the call I immediately checked my credit score and was devastated to see that my score had decreased each month by a huge decreased amount and now below 600 fica score. G.M. Financial and the Dealership must be held legally accountable and correct this illegal act. 

CFPB Regulation as follows : As co-signer, you should receive a separate notice by the lender prior to signing the agreement. The notice will contain the following information : You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesnt pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. 
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. 
The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. 

Complaint # 2 During the phone call mentioned above on XXXX-19. I informed G.M. Financial that my brother was having XXXX Behavior episodes and that I as the co-signer which to surrender the vehicle that is in default because I didn't know the each late payment would be reported monthly on my credit report. I was informed that it was an option and my right. Then I was told that I had to find the vehicle and have it in my possession even though I am the co-signer and don't have a tracker on the vehicle as G.M. Financial does and I don't know the location of the vehicle. G.M. Financial must be held legally accountable and correct this illegal act.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I have been paying Ally Financial for the last two months. And they have not sent any reports to the credit bureau saying that I have been paying thus off in collections. Every time I call they give me the run around. They told me the whole XXXX would have to be paid for them to report it to the Credit Bureau which I know is not true. Then they told me that I would have to call XXXX XXXX XXXX XXXX. I called them they told me that there not a collection agency that report to the credit bureau that I would have to call Ally Financial back. I have been getting the run around.
Consumer complaint received 2022-02-19
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: Credit Karma (LA)

I have found out that credit karma is getting paid for using your information to these 3rd parties companies to get inquiries and tell u you are pre approve and tell u its not a hard pull on your credit
Consumer complaint received 2022-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

After having my phone stolen in XX/XX/XXXX, I notified my credit card company and asked that the card be suspended which they did. I was told at the time by a credit card company representative that I could subsequently reinstate the card when I was ready. I was not informed at the time that there would be a time limit within which I would need to take that step. 

When I went on line today ( XX/XX/XXXX ) to pay the balance of a different credit card that I have with the same company I saw that the suspended card account had been closed. I was carrying no balance on the card and there were no unpaid charges on the card. 

When the suspended card account was permanently closed, the credit card company, Capital One, eliminated the XXXX membership points I had associated with the card. I value these points at over {$1000.00} when used to pay for purchases or transferred to membership point partners. 

In discussing the issue with a Capital One representative today, after the account had been permanently closed, I was told that the company had notified me of their intent to close the account. I did not receive this notification prior to the permanent closing of the account and was only able to find the original communication subsequently. 

Of note, the original communication was not in the text of an email. Rather it required me to go to a website link in order to view the document. I have been avoiding these type of links since the original fraud incident due to my concerns about unauthorized access attempts on my email and other accounts. For this reason I did not receive the notification prior to discovering that the account had been permanently closed. 

At no time prior to the closing of my account and elimination of my points did I confirm to Capital One that I was aware of, or consented to, their intent to close the account.
Consumer complaint received 2020-06-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC 54XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed a charge off account posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 and IRS PUBLICATION.
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (CA)

I took out an online pay day loan of {$500.00} on XX/XX/2019 from Mypaydayloan.com due on XX/XX/2019. I couldn't pay the loan back on that date and called the company on XX/XX/XXXX XXXX to discuss the late payment. I was told that the interest would be {$370.00} ( 75 % ) and would increase substantially after that. I paid it on XX/XX/2019. This appears to be usury.
Consumer complaint received 2022-01-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (TX)

I am no longer a customer of Ally Financial where I had a new car lease until XX/XX/XXXX. 

I received a letter today from Ally Financial dated XX/XX/XXXX stating that I have a summons for an unpaid toll ( date of issue XX/XX/XXXX ). This is the first time I have ever heard of this, and Ally has misquoted the date if this ever happened. It probably happened XX/XX/XXXX, but I never had any information on this. I DID NOT PHYSICALLY LEAVE THE STATE OF TEXAS IN ALL OF XXXX DUE TO THE PANDEMIC, SO THIS IS THE WRONG YEAR. 

Ally is threatening me that I must pay the toll now and notify them in 15 days about my intent to pay. That is fine, but I can not locate the toll. I went on the XXXX Maryland site where the toll needs to be paid, and inputted the data provided for the summons, and nothing comes up. Nothing comes up with my license plate or my current zip code, or a previous zip code. There is nothing I can do. 

I called Ally on XX/XX/XXXX as instructed in the letter and the first person said that she couldn't find anything on the account around this toll. I told her look again, and she found it. She then said she'd hand me over to the leasing department and that person was not helpful and I told them I was trying to give them notice as per the letter, and she didn't understand. 

I've had a lot of problems with Ally Financial ( have already submitted other CFPB complaints ), and this is just another hassle I never anticipated. It's exhausting and I just want some peace and be done with this horrendous and sloppy company.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-06-28
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX TransUnion XXXX XXXX XXXX XXXX , IL XXXX ( or ) XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX File Number : XXXX Pin Number : XXXX Dear TransUnion, XXXX, XXXX, and XXXX XXXX XXXX/ XXXX XXXX XXXX , I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX/ XXXX XXXX XXXX, with file number XXXX and an alleged amount owed balance of {$260.00}. I want to inform you that I have never conducted any business with XXXX XXXX XXXX, and receiving this information in the mail is extremely concerning. 

According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It is important to note that this account is only reported on XXXX and not on TransUnion or XXXX, which raises a significant discrepancy between the credit bureaus. This inaccurate reporting is adversely impacting my reputation, character, and ability to qualify for new credit. As a consumer, I am entitled to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

The Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when you receive notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. It is your responsibility to cease providing inaccurate information to any CRAs and to ensure that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I have attached documentation below that clearly shows my insurance provider during the period of XX/XX/XXXX. It is perplexing why there would be two car insurance policies associated with my name. Furthermore, I believe that the furnisher of this information, XXXX XXXX XXXX/ XXXX XXXX XXXX , as well as XXXX as the credit bureau , are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX  speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include XXXX and Equifax from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.