davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: A-1 Premium Acceptance, Inc. (TX)

In XXXX of 2021, I accepted the loan terms for a payday loan with King of Cash. When it became clear in late XXXX that I need assistance to pay off this loan I sought support from a debt resolution company. 

In accordance with the policy of the King of Kash organization, I completed a written letter revoking ACH authorization in XXXX of 2021. I received confirmation from King if Kash and a debt resolution company began negotiating and making payments on my behalf. 

During this time, King of Kash continued to debit my account according to original terms of the contract. When I called in XX/XX/2021 to report this error, they apologized and asked if I wanted the funds returned - approximately {$800.00}. I said no, they could keep it and apply to my principal balance. I did that as a show of Good faith that I had every intention of paying the remaining debt. That was clearly a mistake. I was assured it would not happen again. 

It did happen again about 3 weeks later for {$450.00}. My bank blocked the charge at my request. King of Kash then proceeded to try and process over multiple days various smaller amounts to try and get around the stop payment. I was in contact with them many times during this period. Often times getting an apology and a promise that it would not happen again. 

In XXXX, they were successful at bypassing the stop payment by putting in multiple charges against my account totaling {$1100.00} all in a single day. Even if they were sticking to the original agreement ( which should not have been the case ) this was the wrong date and more than twice the originally agreed payment amount. 

When I contacted King of Kash, after multiple times of pushing me off with promises of call backs, they finally agreed it was an error and they would return the funds immediately. I was first told 1-2 business days and now the days are passing and its becoming clearer they have no intention on actually doing anything. There is one customer service rep that has attempted to help, but my sense is that she is either not being truthful or her bosses are not being truthful with her. I can not claim to know which is reality. She seems genuine. 

Additionally, the previous funds I allowed them to keep seem to have gone missing and dont appear to have been applied to my account. 

I have attempted to resolve this with the company through no less than 25 phone calls over the last 3 months- often waiting on hold for more than 30 mins each time just to be transferred to a random Voicemail. 

I dont see an end in sight and they keep attempting to debit my account on random dates and for random amounts regularly with no notice. I dont know what else to do other than just close all my accounts at this point. It has created an enormous amount of stress and financial havoc in my life.
Consumer complaint received 2022-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (SC)

I get XXXX Loan and they wan na charge me XXXX!! I paid ever 2 weeks, automatically payment, but this is never gon na have a end!! I cancel the payments when I see this is was a abuse interest!! 
I already paid XXXX and I still have a outstanding balance for XXXX!! I talk to the customer services today to trying a some deal or modify the amount, but they dont wan na make any deal!! Even I offer to paid it in one time payment!!
Consumer complaint received 2022-01-31
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

My wife and I opened a business account with BBVA in late XX/XX/XXXX ( I believe XX/XX/XXXX ). We a debit card and two credit cards. We closed the business account and credit cards in person at the local bank where we originally opened the bank account and cards on around XX/XX/XXXX. Around XX/XX/XXXX we received a call that we were in collections at BBVA for a charge on a credit card. When I called BBVA they told me I had a charge on a credit card, and after talking with the credit card department and fraud department, it was determined that the charge was fraudulent. BBVA told me they would call in 90 days with the resolution. They never called back, so I called the bank in XX/XX/XXXX. In XX/XX/XXXX I was told that in fact multiple additional accounts had been fraudulently opened and multiple charges existed. The bank refused to send some charges to the fraud department because we had waited too long to report the charges. We had not been notified about any charges other than the charges in collection, and when I called in XX/XX/XXXX, they said no more charges could occur on our account ( an account that the bank failed to close in XX/XX/XXXX ). The bank also refused to close multiple accounts despite the fact that some of the accounts were opened fraudulently. I was told that the accounts cant be closed with a balance, so to close the accounts I paid the fraudulent charges, however the bank continues to not close some of our accounts. In addition to the above, multiple people at the bank give us different information about accounts under our name and at this point we do not know how many accounts exist under our name at the bank. This is truly a nightmare for us and the bank is not helping and wont ensure that more fraud does not occur on our account.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (FL)

I have asked Procollect to Validate a debt they allege that I owe as it is my right to do so under 15 usc 1692g. Procollect has refused to provide the supporting documentation needed for me to properly review the alleged debt. I also have requested they provide me with my wet ink signature on a document that gave them permission to report this information to my consumer report and they have refused to do so at each request which is a direct violation of my privacy as a consumer under 15 USC 1681. They did not exercise their gave responsibility, they have been unfair, and were partial in the matter under 15 USC 1681 A4.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated rights.

15 U.S.C. 1681 section 602 ( A ) states I have right to privacy.

15 U.S.C. 1681 section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing 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. S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

The report is clearly inaccurate. There are payments after the CO remarks yet only in one credit bureau. Also the dates are reported inconsistently. Please have this deleted. Also several inquiries are pulled without my authorisation.
Consumer complaint received 2015-04-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Recovery Management (FL)

Fox Collection Agency located at XXXX XXXX XXXX, XXXX, TN XXXX. States that a Debt from XXXX XXXX and XXXX XXXX XXXX XXXX are owed. I never received any Debt Validation letter FDCPA 809 - 15 - USC- 1692, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Fox Collection Agency as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.
Consumer complaint received 2022-10-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (IN)

Bridgecrest has theeeee WORST customer service on earth. I called in and asked about the loan mod/payment agreement. Of course, you get transferred to an offshore call center. The information I was given that was documented on my account by that rep was COMPLETELY WRONG. I called back and spoke with a supervisor named XXXX who promised that he would listen to that call and admitted that the notes stated that the rep told me inaccurate information. I called back and another rep told me that both the 1st offshore rep AND the supervisor told me incorrect. Now, I don't know what the heck to do and have a negative reporting looming at XXXX XXXX XX/XX/2022. A supervisor was supposed to call me back 2 days ago.
Consumer complaint received 2022-10-01
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (OH)

XX/XX/2019, I went into the XXXX dealer to get information on a XXXX XXXX that I was leasing for {$540.00}. XXXX a month. At that time I had been leasing this vehicle for six months. I was very worried that I may be going over my milage alluded. I just needed reassurance and advice on what I should do. I made it clear that I did not want another vehicle, I just needed reassurance on the milage because I drove out of the city every day. I spoke to the person whom I dealt with for years, I bought several cars at this XXXX dealership in the past so I trusted them, not thinking they would miss lead me. 

The dealer pressured and tricked me into getting another car for {$580.00} a month. No one checks my credit to make sure that I could afford the payments and they tacked on negative equity from the other vehicle of {$11000.00}. The total for one car came to {$41000.00}. 

I am only making {$13.00} an hour, full time and {$11.00} at a part-time, XXXX hours a month at another job. Therefore, I can not afford this car.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX, ,Continued Issues, That Wells Fargo Bank Never Took Care Any Of My Issues At All, ,Yes They Did Respond To Some Of My Issues, ,But Still Never Did Anything about It!! ( Never Heard Anything About The Settlement Issues, ,Yet, ,XX/XX/XXXX, ,The Unauthorized Banking Accounts, ,This Is So Unacceptable, ,They Talked About The ( Overdraft Rewind On My Bank, ,Which Is Not True, ,If It Was The Truth Then My Bank Account would Not Be Overdrawn For The Last 6months, ,and If Wells Fargo Bank Would Have Paid Me My Settlement Payments On Time, ,Maybe My Bank Account Would not Be Overdrawn Every Month ( 6months ) I Really Thought The Bank Would Have Took Care All Of These Issues, ,BUT They Haven't Yet, ,And To Top It Off, ,This Bank Is Still Too Messy, ,What Happened To The TRUSTED PEOPLE AT THIS BANK !!!
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (AZ)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report are either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXX XXXX : {$510.00}
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-17
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2019-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a B of A mortgage which has never been late in 10 years, i sold the property. Escrow and myself contacted b of a on recorded lines 5 times to inquire should i send the payment before the XXXX because escrow was going to close on the XXXX and money would then need to be sent back because the payoff would over pay the balance. 3 b of a employee 's ensured o would not get a late payment as long as the payoff took place within ten days after the XXXX. The payoff took plae 6 days after the XXXX and i was assessed a late payment one month later.
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (FL)

I am a natural person, I am living human being, I have rights under 15USC 1681.

Equifax is govern by 15 USC.1681.And they violated my rights numerous times. I demand the account listed below.be removed because According to 15USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish the accounts.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
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 at XXXX XXXX I tried to access my credit reports on annualcreditreport.com, and both XXXX and Transunion are not allowing me to see my credit reports online. I called XXXX using the number provided and they want me to sign up for their service in order to see my credit report online. They said that they will mail it to me. Transunion only shows an address to send a request for a credit report to.
Consumer complaint received 2024-04-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I checked my credit report and found a negative on my credit report from a collection agency. I immediately contacted Columbia Debt Recovery by phone. I told them that I had no business with them. they wouldn't provide me with proof of business
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In accordance with the Fair Credit Reporting act XXXX  Account has violated my rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose