davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MD)

NCA sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor NCA has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. This is a clear violation of the law.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (NY)

This is regarding LVNV Funding LLC, I had closed account wXXXX  XXXX & XXXX ( known from previous incident involved/investigation XXXX XXXX account that has been removed because illegal practices when reporting to credit bureaus ) which was charge off then discovered that LVNV Funding opened on XX/XX/20. I didnt respond or acknowledged that the account was mine because the information that was given about the account wasnt accurate therefore ; I became suspicious because they had initially been contacting me either unknown number or different numbers which caught me off guard. Then when I finally contacted them to address and inquire the supposed debit of account they were very stand offish and rude as well as unprofessional. They basically said that the information they was valid. I could dispute, but will remain on credit until they were paid. In response I told them to no longer contact me via phone instead only by via certified mail in regards to account in question. Also disputed the derogatory comments/remarks left by LVNV Funding , LLC. At first I had notice on my credit reports that I it was reported twice for same account which is illegal & has since been removed off my credit report. I would like for this LVNV company to be investigated for inaccuracies & incorrect information that hasnt been updated or confirmed regarding this supposed account in question.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Equifax Mortgage Solutions, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc. (PA)

On XX/XX/2020 company opened a collection Account # XXXX I have never signed any written document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus XXXX XXXX XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brennan & Clark, Ltd., LLC (CO)

Services were cancelled ( formal cancellation XX/XX/XXXX ) with a company ( XXXX ) that came out of bankruptcy in middle XXXX, but continued to bill on discontinued services. XXXX elected to pass off charges for services not provided to an collections attorney, Brennan & Clark | Commercial Collections Agencies. Brenan and Clarke did not introduce their association with XXXX ( first voicemail received XX/XX/XXXX ), just said I owed money. I thought they were scammers because they never said what it was about?. It took a awhile for them to actually affiliate themselves that they are coin collectors and such for XXXX. 

It was frustrating that Brenan and Clarke never explained their cause or intent and I just owed money ; and when I pursed explanation they waffled in any explanation that made no sense. 

Since, I've paid XXXX what they charged me for services they never provided, but I am down the road. Unfortunately, Brenan and Clarke appeared as usual hackers saying I owed money. Seriously, Brenan and Clarke could have easily created a method communication that was different than " hey you send me a check ''
Consumer complaint received 2022-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MD)

There was a {$2000.00} fee added to my car loan by Santander bank. I suspect that there was an error at the repair shop and I am being charged for the warranty repair. I am not understanding why I am being charged a {$2000.00} fee.i filed a insurance claim after receiving a voicemail confirming the car was destroyed. Mysteriously a warranty repair was done and I was told I needed to return their XXXX rental car. I guess they are holding all the cards if I am driving their rental car. I guess that explains the {$2000.00} fee. The crooks probably took over the finance company to continue the pattern of intimidation from XXXX and now Spanish finance companies and XXXX XXXX tow truck drivers claiming they run things. They can try and scare me on the phone and steal the car from my grandfather 's tax office, I just hope they don't want to get physical considering how angry the XXXX was. I think I am a target of XXXX terror intimidation for disrespecting the XXXX XXXX and I am not sorry. I am free to write whatever message to whoever I want. If the readers decide to become XXXX XXXX XXXX and decide they want to break the law then maybe they might have a serious attitude problem and should seek counseling instead of risking being taken out by a drone for trying to physically hurt someone because they don't like what they are reading. Hopefully none of that stuff is going on and I am imagining the evil news stories. I guess its time to destroy the internet
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2021-12-15
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. (GA)

I have asked XXXX and Transunion to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is 9yrs and 10 months old, and XXXX was a ch XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but XXXX and XXXX are reporting a dismissal of XXXX but in fact its still a ch XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( ch XXXX conversion ) unsubstantiated or otherwise found inaccurate. 

The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed, I am at 9yrs and 10 months from case XXXX. Generally, bad credit information is removed after seven ( 7 ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Consumer complaint received 2021-12-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc. (CA)

Im really worried that SUMMIT ACCOUNT RESOLUTION is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX have the right to privacy. SUMMIT ACCOUNT RESOLUTION has committed infringement upon my consumers right to privacy. 
I, XXXX XXXX never granted consent to SUMMIT ACCOUNT RESOLUTION to contact me. SUMMIT ACCOUNT RESOLUTION has/ or purchased my private information without my consent. I never contracted with SUMMIT ACCOUNT RESOLUTION. SUMMIT ACCOUNT RESOLUTION is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand SUMMIT ACCOUNT RESOLUTION to validate this alleged debt. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for SUMMIT ACCOUNT RESOLUTION to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i deposited checks and cash on atm teller XXXX weeks later bank just took? XXXX of my account saying transaction was short {$1000.00} with no explanation just took money i been calling them talking to them no responce they lie they send letters explaining they never have .my mortgage didnt got paid my phone i was out of town left money for my bills to get paid, with no money because they deducted money from account, i spoke to tellers no one knows noting about the case then send me to different departments for hours on the phone then they just closed my account my cash money never appear finally they send copies of the checks only because i requested several time but the cash never appear.
Consumer complaint received 2018-07-09
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: EQUIFAX, INC. (MO)

I contacted XXXX XXXX XXXX XXXX to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at XXXX XXXX XXXX XXXX. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. XXXX XXXX XXXX XXXX refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.
Consumer complaint received 2021-12-15
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: CITIBANK, N.A. (NJ)

I purchased shoes over the internet from XXXX, which were too small, and which I paid by a using a Citibank credit card. The merchant 's policy is that a customer must advise them through their website of the return, they will email the necessary return label so they can track the return, and will then credit the account when they receive the return. XXXX would not process the return, so I disputed the charge. Citibank 's preliminary investigation went against me because XXXX told them I had not attempted to return the shoes while not telling Citibank that I was unable to get it to process the return. I then sent a more detailed letter to Citibank, per its request. On XX/XX/21, Citibank simultaneously emailed me that the dispute was still open and issued a letter saying that the dispute was closed. This is problem one. Problem two is that the reason given by Citibank was not I had not provided a credit slip when the basis of my complaint against XXXX was that they would not process my return and give me the credit slip. Citibank obviously did not investigate m dispute and found against me pro forma. Sending me a contradictory letter and email on the same day about the status of my dispute is unacceptable.
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-15
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. (NJ)

On XXXX 2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2019-08-06
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. (LA)

On XX/XX/19 I requested that Equifax investigate the XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/2019. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

on XX/XX/XXXX I order a new debit card after Capital One because someone was trying to charge me for things I didn't order with my debit card. No one had authorization to charge my card after XX/XX/XXXX on XX/XX/XXXX Capital One allowed XXXX rent car to charge my card this charge put my account in the negative of {$2300.00}. I rented a car from XXXX I purchase insurance and that was two months ago I should've been charge this. I will be filing a complaint against XXXX too. Once I notice the charge on my bank checking account I did dispute this charge on the XX/XX/XXXX. The problem I'm having is my direct deposit from my job will go to this account this will stop me from paying my bills, having money to go to work and buying food. Capital One are taking they time with dispute they are getting the record mix up. I ask to speak with their headquarter office the clerk staff refuse to give out the number so I can file a complaint about this issue. I'm asking for assistance from your office so this issue can be address asap so I can pay my bills.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( XXXX ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AL)

I went to the bank because I could not get into my online account. I tried using the XXXX number but they said the date of birth was wrong that I was giving them. I went to the bank location and each time I try to reset my password I was told there was too many attempts by the app. I had to stand in line several times for almost 3 hours trying to get this straight. I tried to go online again at home because the banker told me to give it some time and it said the same thing. 
I attempted to go into my account again and it told me too many attempts and this was my first attempt in about a month. It said to call the XXXX number. The representative who answered my call had the audacity to say this is a males account and you sound like a woman. I asked for a supervisor and she closed the call because the automatic survey come on. 

I haven't had any sleep since yesterday because of death in the family and trying to get a flight out and a hotel reservation for almost 12 hours at this point. 

I am tired and frustrated and to add to that I feel that I have been a victim of XXXX discrimination. Who gives anyone the audacity or right to say how I'm supposed to sound and whether or not I sound to you like a male or female to them.
Consumer complaint received 2021-12-15
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. (LA)

Dept of Ed- got 2 loans in XXXX for XXXX university. Totally XXXX. Paid some for years, was supposed to be forgivin in XXXX. Then without warning XXXX tax return was taken by dept of Ed for over XXXX XXXX The 2 fed loan are same 2 dept of ed loans. They all should be closed with XXXX $ balance! This is the like 9th time in a few years. They keep comin n going and some here some there then all and so forth. Its basically XXXX. Quit hurting us XXXX XXXXXXXX people over XXXX in XXXX XXXX XXXX loan that was and has been paid off and taken care of years ago
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dept of Ed- got 2 loans in XXXX for XXXX university. Totally XXXX. Paid some for years, was supposed to be forgivin in XXXX. Then without warning XXXX tax return was taken by dept of Ed for over XXXX XXXX The 2 fed loan are same 2 dept of ed loans. They all should be closed with XXXX $ balance! This is the like 9th time in a few years. They keep comin n going and some here some there then all and so forth. Its basically XXXX. Quit hurting us XXXX  XXXX people over XXXX in XXXX XXXX XXXX  loan that was and has been paid off and taken care of years ago
Consumer complaint received 2019-08-06
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. (CA)

XXXX XXXX XXXX XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX  to pay my mortgage and I did not know that they were taking 7 days to send it. On the XXXX late I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.