davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
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. (NY)

I had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.
Consumer complaint received 2018-12-27
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: ERC (TN)

This company is in violation of FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices and reporting to credit bureaus. However, I paid them in desperation on XX/XX/2018 to get it removed off my credit report, because they informed me that if I paid it they would remove it off my credit report and they have not. I will also be contacting my state 's attorney general 's office in regards to this companys business practices as well. XXXX XXXX XXXX has VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt and not following through with our agreement to remove it. They have until the end of next week to remove the reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. I will purse litigation in this matter to enforce my rights under the FCRA. Please give this the immediate attention it deserves.
Consumer complaint received 2019-01-04
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: Innovis (NY)

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from your CBCinnovis/XXXX XXXX  being reported to his XXXX and XXXX   credit reports. This inquiry was made XX/XX/2018 and was done without his consent. A formal dispute was provided to CBCinnovis/XXXX XXXX XX/XX/2018. While the item was supposed to have been removed as fraudulent the data is still being reported to the XXXX   credit report as of XX/XX/2018 ; this is a violation of the FCRA.
Consumer complaint received 2019-01-04
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: TD BANK US HOLDING COMPANY (NY)

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX  credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s ) obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX  credit bureau : XXXX, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. TD Bank, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.
Consumer complaint received 2021-07-20
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. (TX)

The item reported by XXXX and TransUnion should have been deleted and XXXX sent XXXX and TransUnion a letter that the account needs to be deleted. XXXX and TransUnion has not deleted the account off my credit.
Consumer complaint received 2019-01-04
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: Carvana Group, LLC (NY)

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s )  obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX credit bureau : Carvan, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. XXXX XXXX, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

XXXX XXXX  first created a problem when I always kept the bank afloat one day took a numberous authorized other wise termed nonauthorized at the time, withdrawal, but that tipped them to unliking sometimes, talking me, out of removal of disputable fees, and I suppose that one, thing is a causation, but then I look at Unemployment payment that made the positive last time account on XX/XX/XXXX and what happened while I would have had the money, it was a waiver I signed not to repay them the {$500.00} aproximate amount, and yes XXXX did take that moment the moneyback, and nothing else, but then in negative {$150.00} dollars with refunds coming, and deposits as they call it coming through seemingly, I said please, and they lied and they said wait the phone you can not be jusitifed by name or phone number anymore, so I said you won't tell me the account is closed, you closed the savings account in XX/XX/XXXX without permission, and now because I asked about the last fee waiver, they just closed up, and said I am not identified by anything, and will not but allow me to log in and nothing is on the screen, and I think it's abusive, that in the smallest overdraft which isn't my fault, and they questioned me because the deposit was missing of all of a sudden, then, I am a victim of this report by bank, and no one will give me a straight anger free answer, and I am looking for {$5000.00} compensation if for all fees, and they don't then want to justify how I am to love for the rest of the time, without a checking account, and I am XXXX  so that means also citizen, and I feel this is a direct discriminational effort, and I want the state to know about that, and I wrote the President because as XXXX and usual at another position, I don't know how to say us it is well, for the bank system, please thou help,
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (AZ)

Complaint ID XXXX-XXXX US Bank stated they never received military orders. I sent them two weeks ago. See attached and want A RESPONSE DIRECTLY SENT TO ME AS WELL. MY MARRIAGE CERTIFICATE WAS ALSO SENT.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ACCELERATED COLLECTION SERVICE, INC (WA)

This complaint is in reference to Accelerated Collection Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2020-08-02
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. (NY)

I have been a victim of identity theft. I have requested unauthorized items to be removed from my credit report. I have submitted a copy of a notoarized FTC Report also a copy of my id and ss card.
Consumer complaint received 2020-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Capital One about a company ( XXXX XXXX  ) out of California. I purchased an automotive product from them for {$1100.00} on XX/XX/XXXX. They said Id have my product by two weeks from that date. I never got my product and the company never called me or emailed me. I looked into the company and found that the company was actually under investigation by the California D.As office for doing this to multiple customers https : XXXXXXXX XXXX XXXX At that point I knew there was trouble and I should contact my credit card company. InXX/XX/2019 I called Capital One and in great detail explained the situation and told them the company is under investigation. I fraud investigation was started and a few days later the charge was off of my card. A few days after Capital One contactes the XXXX company they suddenly decided to rush the product out to me. 4 months after my purchase mind you. I then contacted Capital Ones fraud team and asked what I should do with this product. I was told to email the company and to ask them to provide return shipping so that I cant send it back and that if they didnt, I was to leave the product there until they sent return shipping. I emailed XXXX and never got a response. So the product with Capital Ones knowledge has been sitting in my garage since. To my surprise on XX/XX/XXXX they ( Capital One ) reinstated the charge without contacting me. I called them today XX/XX/XXXX and spoke to XXXX employee number XXXX XXXX Fl call center about the charge. She started that they had sent me a letter that I was to respond to regarding more information. Which I never received and told her I didnt. She stated that because the XXXX company challenged their findings. They simply took their side and recharged me the {$1100.00} and that I was stuck with the charge. So now I have {$1100.00} worth of product I no longer need or want from an OBVIOUSLY shady company sitting in my garage and a large charge on my Master Card. She refused to do anything to help. I told her Id be filing a complaint today.
Consumer complaint received 2020-08-02
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. (GA)

I have contacted Equifax multiple times to dispute the fraudulent hard credit inquiry by XXXX and XXXX that occurred on XX/XX/2019. Equifax always finds that they can not remove it and I should contact XXXX. I have letters from XXXX and XXXX admitting it was a fraudulent application for credit that resulted in the inquiry and agreed to have it corrected on my credit report but nothing ever happens. This has been going on since I reported it to XXXX and XXXX on XX/XX/2019. I am considering legal action against all 3 companies ( Equifax, XXXX, and XXXX ) since they share responsibility for damaging my credit by continuing to allow the fraudulent hard inquiry to be on my credit report after being notified multiple times to correct it which means they have acted in bad faith.
Consumer complaint received 2018-12-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

I received a {$200.00} loan from XXXX XXXX XXXX on XX/XX/XXXX. I made {$60.00} payments bi-weekly that applied towards the interest, until I could no longer afford to. On XX/XX/XXXX, I entered a debt settlement program with XXXX XXXX XXXX, to help pay off all of my outstanding debts. The balance on the account at the time was {$350.00} by XX/XX/XXXX ( it included the principle, {$90.00} past due, and {$60.00} finance charge ). The account was sold to a debt collection company : National Credit Adjusters. XXXX XXXX XXXX negotiated a settlement amount of {$150.00} with NCA. The settled balance was paid in full and I received a debt settlement letter on XX/XX/XXXX. 
Today, XX/XX/XXXX, I received two calls and voicemails from a XXXX XXXX. The message stated : This is XXXX XXXX contacting ( my name ). You are being notified of a claim in our office that is being filed against you, we will be verifying your current address as well as place of employment for delivery of documentation. At this time it is your legal right to contact our office directly at XXXX again XXXX or press one to be connected immediately this will serve as an official notification by phone. 

I returned the call and spoke with a XXXX XXXX, who stated that he is with a mediation company called XXXX and XXXX has sent my account to them for an outstanding balance of {$450.00}. I informed him that they are attempting to collect on a debt that is past the staute of limitations, amd more important the account had been paid off. I offered to mail them a letter showing that the account had been settled and paid. He then said that the statute of limitations does not apply to them, because of my attempt to defraud and scheme XXXX. I informed him, that there was no fraud or scheme, because I paid the debt off in XXXX and would mail them a letter proving this. He then began asking me for my account number for XXXX, so I asked for the mailing address to send the PIF letter. He said the mailing address is XXXX. XXXX XXXX, XXXX, AZ XXXX. After that, he asked for the account number again. I asked him to give me moment to look for it. He told me I was stalling ( I was actually looking through my email for the account number ) and since I could not provide the account number, I would now be charged {$2500.00} which included the past due fee of {$450.00}, late fees, and legal fees. I disconnected the call once I felt suspicious.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (AL)

Date : XX/XX/XXXX Notice of Rescission American Credit Acceptance XXXX XXXX XXXX XXXX, TX XXXX Dear Sirs : On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX at the price of {$98000.00}. I wish to cancel that contract because The 12th Code of Regulations 226.4-Finance Charge states that the finance charge is the cost of consumer credit as a dollar amount. It does not include any charge of a type payable in a comparable cash transaction. Therefore youre in violation of Chapter 15 United States Code 1605 determination of finance charge, For Chapter 15 United States Code 1662b Advertising of down payments and installments, and For Chapter 15 United States Code 1611 for Criminally, Knowingly, and Willingly providing false information. Which means the contract is null and void. This is a defamation to my character. Truth and Lending Act Chapter 15 United States Code 1605 states that determination of finance charge defined except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. So was I charged a down payment on a Consumer Credit Transaction? Chapter 15 United States Code 1662b states that a specified down payment isnt required in connection with any extension of consumer credit. The fact that these laws are public information and easy to access is the reason why you are in violation of Chapter 15 United States Code 1611. Therefore I exercise my rights to rescind this contract as per ALA. Code 35-8a-408. You have 20 days to give me my down payment of {$9600.00} and pick up this vehicle by the XXXX day of XXXX XXXX otherwise you MUST release the vehicle title to me and mark this account as paid in full for violating my right to rescind. 
You can contact me via phone or email at : ( XXXX ) XXXX, via mail at : XXXX XXXX XXXX XXXX, Tx XXXX, or by email at : XXXX. I look forward to your speedy resolution. 
Yours Truly, XXXX XXXX
Consumer complaint received 2023-03-30
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. (IA)

TRANS UNION is REPORTING Inaccurate and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance on A XXXX XXXX XXXX collections account XXXX XXXXXXXX ( closed / XXXX/closed and paid increased to {$1000.00} and {$2000.00} even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. Transunion is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Transunion is in negligent compliance by reporting this information as accurate when in fact, they are not Trans Union has reported over several times as accurate when clearly, they are not. XXXX XXXX XXXX and Transunion are violating My consumer rights and FCRA laws. XXXX XXXX XXXX is I believe retaliating with unethical practices by providing intentionally inaccurate information as XXXX violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to Transunion. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Case : XXXX XXXX ( XXXX ). Any XXXX XXXX XXXX accounts and data must be DELETED from Transunion and Transunion due to violations of the FCRA and XXXX XXXX XXXX Be fined {$1000.00} to {$10000.00} per FCRA Violation.
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I have an account with XXXX : The status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at Resurgent company on XX/XX/2021 at XXXX via the phone.