davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MO)

On XX/XX/2020 I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. 

# 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. 

They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? 
Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and you are violating my right.
Consumer complaint received 2023-03-07
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. (CA)

I tried to correct a error on my credit report. Equifax continue to mail information with the name XXXX XXXX XXXX and my complaint is my name is XXXX XXXX no initial. I am wanting this issue resolved with my credit report. XXXX XXXX
Consumer complaint received 2021-01-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the XXXX  data breach and may have got into the hands of the wrong individual.
Consumer complaint received 2021-01-10
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. (FL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Equifax : 1. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/2019 2. The following inquiry was made without my knowledge or consent XXXX XXXX Date of inquiry : XX/XX/2019 XXXX. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/2019 4. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/2019 XXXX  : 1. The following inquiry was made without my knowledge or consent XXXX XXXX  Date of inquiry : XX/XX/2019 XXXX : 1. The following inquiry was made without my knowledge or consent XXXX  XXXX Date of inquiry : XX/XX/2019
Consumer complaint received 2021-01-10
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. (SC)

On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX to validate the account they are reporting on my credit report. The letter was returned to me as undeliverable. I responded to Equifax asking for the account to be deleted because the creditors address on my credit report was not valid and I could not request them to validate the account. Equifax responded stating that the account is valid and verified. This account is still being reported on credit report with the creditors information being invalid.
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MN)

I am having an issue with being approved to send and receive maximum transfers from using my bank or credit union debit card using my Pay Pal account on the Pay Pal app, which I have a Pay Pal account and Pal Pay XXXX debit card : XXXX. I want to send and receive maximum transfers using my bank or credit union debit card using my Pay Pal account on the XXXX XXXX app. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NATIONWIDE ACCEPTANCE LLC (FL)

They said my payment is late but their not their charging me late fees on top of a late fee.. I have never been late.. it only started when I paid my loan off the car company is not letting me pay the car off because they keep letting the interest rates go up they have been doing this for a full year now .. my payment should be way lower than what it is I've contacted consumer bureau the company lied to them .. it all started when this car company called and to see if I wanted to trade my car for a new one I said no.. and they have been messing with my interest so I can't pay the car off so they can repo the car and mess up my credit..
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation (SC)

I have disputed this account several times with no resolution. My problem with them started after my 1st dispute with XXXX XXXX XXXX. I asked for validation and they did not provide it. After my attempt to dispute this account, they started reporting my account with false late payments. I have copies of my credit reports dating back to XX/XX/2020. They have two different amounts owed, and two different Date of First Delinquencies. I have attached the copies of my reports with this complaint. After they could not provide validation of the late payments with the XXXX XXXX, the late payments were removed from my file. They then sold the inaccurate time barred account to a collection agency called the XXXX XXXX XXXX. I have experienced pain and suffering from everything this company has did to me. I plan on hiring an attorney to help me with this matter.
Consumer complaint received 2021-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

I opened a line of credit with the company quite a bit of months back. The employee at the time set me up for autopay. I agreed and they charged me twice a month to pay the premium. I decided months later to stop the auto-pay and did so through their website. They charged me again, without permission, the next cycle. I called the company and the employee hung up on me and when I called a second time, I was immediately placed on hold. When I finally told them what the issue was and that I wanted a refund, she stated that its in my contract that I have to pay by auto eft. I double checked and the contract explicity states that once I stop the auto eft, that they can not go in my account and just take the money. I did not know this on the phone, I checked after my call with her. She offered no other way to fix the situation. I immediately called my bank and set up a dispute with them. I could not do a stop payment because they are not in my banks database. They have since continued to automatically charge my account without my permission. The second to last time they did it, I called them again and asked to have my card number completely removed from their files. The employee on the phone said that he can do that, I was not offered this solution with the first employee I spoke to. He said he deleted my information and that I can pay on my own then. Just recently they charged my account again. I had to dispute the charge again as it adversely affected my finances for that account. At this point, I'm looking into filing a complaint with the fraud department of my bank and also with any government agencies that monitor shady businesses.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (GA)

Collector, Transworld systems received my account on XX/XX/XXXX from XXXX. My XXXX  account was first opened in XXXX of XXXX. My last payment was sometime in XXXX. I never received a bill until about XXXX of XXXX. The amount owed is apparently {$2800.00}. The report says the account opened on XX/XX/XXXX, which is incorrect as I already stated the account opened in XXXX. In remarks it says dispute resolved, but it is still affecting my credit. The account itself is XXXX plus years old now, and the account has been delinquent for XXXX plus years now. 
Transworld systems did send me a letter showing the balance and specific transactions and including information on how to pay. I wrote a note that I would not be paying it as it has been over 10 years since the account was opened. I tried to dispute this through XXXX 3 times and each time they were unable to make changes. I have been locked out of both the XXXXXXXX XXXX and the Transworld Systems portal, and therefor I no longer have access to any of my account info or documents. I have been locked out ever since my dispute. I hope you can get the information.
Consumer complaint received 2023-05-26
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. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2021-01-10
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: EQUIFAX, INC. (NY)

On XXXX XXXX/XXXX placed an unauthorized inquiry on my Equifax Credit Report. On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax Credit Report. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681 b ( c ). This is a serious breach of my privacy rights. 
I have been calling XXXX/XXXX, XXXX XXXX, and Equifax since XX/XX/2020 and I have yet to get any proper response I was told by XXXX they didn't have any documentation bearing my signature and they would contact Equifax to remove the inquires yet no actions seem to have been taken by XXXX since. I don't have an telephone account with XXXX XXXX and I contacted them and they told me they don't have an account for so they can not remove the inquire. I contacted Equifax about the Issue of the unauthorized inquire by XXXX and they said they have no power to remove the inquires.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I contacted Bank of America today XXXX XXXX, XXXX regarding my interest rate to request a rate review and to ask why my rate has gone up from XXXX XXXX XXXX XXXX XXXX despite over 10 years of timely payments and excellent credit history. I was told my variable rate is tied to the prime and the fed had increased rates nearly 8 times since XXXX. They advertise XXXX XXXX starting rate for new consumers and I asked what criteria is used to determine if a new applicant gets the XXXX XXXX XXXX XXXX XXXX, I was told nobody could answer that question ( I was first told by customer service that they would transfer me to underwriting for an answer then they could not answer and finally a manager in underwriting told me nobody at the company could/would answer that question ). I was told the best they could do was lower it by 1 % based on some sort of offer they had right now. How can these companies continue to increase rates for consumers with excellent credit and credit history and not have to disclose how they are making these determinations?
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America and XXXX XXXX XXXX and myself had a conference call on XX/XX/2023, regarding a double payment of {$400.00} from my BOA checking account to my XXXX credit card account to verify if funds cleared my BOA account. 
Bank of America told the XXXX representative and myself to call back the next day because the XXXX {$400.00} payments was processing still. On XX/XX/2023, XXXX XXXX XXXX XXXX Representative and myself conference called BOA again and BOA representative verified the XXXX {$400.00} payments had cleared my checking account. 
XXXX XXXX XXXX XXXX then, credited my XXXX XXXX checking account {$400.00} to correct the double payment error. 
Bank of America turned around and sent both {$400.00} payments back to XXXX XXXX XXXX XXXX as NSF on XX/XX/2023. 

I have two complaints with Bank of America. First Complaint is I deposited my check of {$2800.00} in BOA on XXXX XXXX. BOA told me a one day hold until XXXX XXXX. I received the funds {$2800.00} on XX/XX/2023. 
I then, made payment with XXXX XXXX XXXX XXXX for my credit card with XXXX out my BOA Checking account. 
Bank of America came back and took the {$2800.00} funds out my account and said check on hold until XX/XX/2023. 
On XX/XX/2023, BOA put the {$2800.00} back in my account for the second time. I the mean time I called Bank of America and spoke with the call center and was told Bank Of American would honor any payments that came through my account from XX/XX/2023 to XXXX XXXX and I would not receive any NSF. 
Complaint 2, Bank Of America returned both {$400.00} payments to XXXX XXXX after verification on XX/XX/2023 to XXXX, They ( BOA ) had cleared the XXXX {$400.00} payments. 
Now, I have received NSF from XXXX XXXX XXXX XXXX on XXXX {$400.00} NSF fees. 
I was told by Bank of America call center representative XXXX, BOA is charging me two NSF fees as well. XXXX had filed a complaint with BOA for me as well. BOA Complaint number XXXX XXXX XXXX. 
BOA have me out here looking like a complete fraud to XXXX. 

Oh and Bank of America removed all the HOLD information from my checking account. Trying to cover up what they did, when they took the money back out my account. However, showing the money in my account as if it was never taking back out. But show both {$400.00} being returned with money in the bank Bank of America is a complete fraud!! ( How is Showing Money Available but returning check fees possible? All a BOA discrimination and defamation conspiracy.
Consumer complaint received 2023-05-26
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 reportand I found out that credit reporting agencies still indicate my dispute of accounts 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 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-10
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. (NV)

These accounts are not mine. I am not a credit repair company nor am I a mortgage company in efforts to fix my credit. I have provided my personal information of who I am. Please remove the following information from my credit report immediately. Thank you.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TN)

I reached out to Spring Oaks Capitol about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-26
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-04-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc. (MA)

Verification of debt by phone approximately XXXX never received. Dont know company that is collecting debt and asked for cease and desists of communication. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by suchdebt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumeris made by mail, notification shall be complete upon receipt.