davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX I tried to register my vehicle in Florida ( the city I always drove it ). When I arrive at the tag agency they tell me that I can't register the vehicle because the financial company ( Westlake financial ) had it registered in their name and that I didn't have authorization!

The people of the tag agency told me the steps to follow and that's when I contacted Westlake on XX/XX/XXXX by call and email. 

They responded to me the next day indicating that the request has already been processed and that I waited for a period of XXXX working days for the response. Until today 's sun I keep waiting, at first they forwarded me the same message to wait the XXXX days but the time passed and I haven't received a response to the emails for more than a month and every time I call they leave me on hold for more than XXXX hours until the call disconnects. This situation is frustrating and I don't know who to go to. I already contacted the dmv, the tag agency and they tell me that they have not received any request and that the best thing I can do is to contact the financial company.

The worst part is that I repossessed the car in XX/XX/XXXX and during all this time I am waiting for them to do that.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (MN)

On XX/XX/XXXX two charges for XXXX purchases have been made fraudulently by unknown sources. I contacted XXXX about the incident and they said they would reverse the charges and investigate. They also told me to get in touch with XXXX Customer service, which I did. When I spoke with XXXX customer service, they did verify that I did not make these purchases and that the order was sent to someone in Michigan. ( I do n't know anyone in Michigan ) So  clearly someone stole my money and sent themselves some XXXX products without my permission. This has happened with my other bank as well, but they always come back and reversed the charges and I always had my refund back without an issue. XXXX reversed the charges on XX/XX/XXXX for both charges of : {$200.00} and {$160.00}. On XX/XX/XXXX, XXXX took my money out again and said their investigation said I made these purchases, WHICH I DID NOT. They said there was n't enough evidence for them to leave the funds alone. When I asked XXXX CUSTOMER SERVICE how I could get more proof since I DID NOT make this pruchase? The only proof I had was from XXXX CUSTOMER SERVICE saying that the package was shipped in MICHIGAN, not to MiNNESOTA. So long story short, XXXX took my money from a fraudulent activity on my account and they never returned it ... So I am out {$400.00} some dollars and I had to close my account because they could n't help me further..That 's how XXXX their bank is..So if you bank with them, and you get a fraud on your account, Do n't expect to get your money back from XXXX. They take your money regardless if it is a fraudulent activity or not. What do you do when there is no solution? Closing my account was the only thing I could think of. XXXX was HELPLESS. Do NOT bank with them.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section 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.
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I, XXXX XXXX, am formally writing this complaint in regard to the initial CFPB complaint concerning the debt collection agency COLUMBIA DEBT RECOVERY XXXX XXXX GENESIS. The debt collection agency was previously addressed for violations of non-compliance per CFPB complaint ID XXXX. XXXX DEBT RECOVERY XXXX XXXX GENESIS responded to the complaint that they will cease communication and collection activities, but they did not remove the account from my consumer reports for as reflected on my XXXX consumer disclosure report per violations of the FDCPA. CDR XXXXXXXX XXXX  GENESIS only addressed the violation stating they are allowed to collect debt as two different companies. This company still has not address the fact that they are illegally reporting on my consumer disclosure report as an attorney, a violation per 15 USC 1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. and 15 USC 1681s-2 Actual knowledge of Errors ( FCRA ) for reporting inaccurate information to the CRAs. COLOMBIA DEBT RECOVERY XXXX XXXX GENESIS did not acknowledge the non-compliance of adding interest to the original alleged debt which is a violation per 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Per 15 USC 1692e ( 2 ) ( a ) The false representation of ( A ) the character, amount, or legal status of any debt ; or. COLOMBIA DEBT RECOVERY XXXX XXXX GENESIS did not provide legal documentation that they are allowed to have my personal private information per PRIVACY ACT of XXXX. The violations have already been provided in the previous complaint.
Consumer complaint received 2024-03-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute a late payment entry on my credit report. Upon reviewing my credit report, I noticed that there is a late payment recorded for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (TX)

National Credit Adjustors is harrassing me after I've repeatedly told them not to call me. I recieve multiple calls daily on multiple numbers and many of them are spoofed calls. They call me back to back on my personal and work number they recieved from my voicemail. They are calling and not saying anything from local numbers just to annoy and harrass me. They are also using my number to spoof others as an attempt to invalidate my number and have it labeled as spam. I've made multiple requests to no avail and at this time need them to end all communication and cease with all harrassment
Consumer complaint received 2020-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CO)

Paid twice for the same item. Synchrony bank found one tracking number and cancelled the claim saying it was delivered. Two charges one item tracking number ... Doesn't answer phone, call back on  messages, respond to XXXX  claim nor do they respond to fax.
Consumer complaint received 2020-02-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: STEWARD FINANCIAL SERVICES LLC (NJ)

I contacted Steward Financial on XX/XX/XXXX and spoke to representative XXXX regarding me requesting for a voluntary repossession of the XXXX XXXX XXXX at this time she advised me that her Supervisor would contact me. As of today no one has contacted me back. On XX/XX/XXXX I called again and spoke to representative XXXX. She advised me the supervisor XXXX was not in. I then asked for another supervisor. She informed me she ( XXXX ) was at lunch. I have requested effective XX/XX/XXXX to come pick up the vehicle immediately. I will be having XXXX and would like this handled before hand. I am requesting for an Administrator to contact me back at this point and the vehicle to be remove from my property immediately. On XX/XX/XXXX I received a phone call from XXXX XXXX stating they had did an internal analysis and stated it would not be cost efficient for them to pick up the vehicle. I requested for this statement to be put in writing and sent to me at this time he reported that he wouldnt be able to do this. At this point I ask what is going to happen to the vehicle since I requested for a voluntary surrender. He advised me it would be my responsibility since I am the owner of the car. I am no longer making payments on the vehicle and requested for the vehicle to be surrendered to the finance company. I also asked who was going to be paying for storage since the vehicle will be left on my property where I will jot have any responsibility for it- again he stated I was responsible. I was denied information for the recorded conversation as well as the CEO of the company.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX SS XXXX Balance : {$2400.00}
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

A dispute was mailed experian certified in order remove the fraud alert on my report. I included my license and a copy of a bill as stated on their form i had to print out in order to remove the alert. On the XXXX i received a letter from them requesting the same information i had sent in prior. This time it states that it needs my dob, social and address in order to remove it. That was odd because my address and dob is already on my license. On the XXXX i received an email saying the alert had been removed. 
It directed me to their site to put in the report info in order to retrieve it in which i did. Upon looking at i noticed that the fraud alert statement was still there.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act... 
The following Accounts .... 

Time payment XXXX XXXX XXXX dealer services XXXX XXXX credit card XXXX XXXX card services XXXX XXXX Have all 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 consumer reporting agency can't furnish information on an account without my written instruction.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In 2021 I complained to Capital One about no Increase in my spending limit, I have had ownership of my Capital One Credit card for 5 years, and has me thinking since I am a individual of XXXX that they have not increased my credit limit this very reason, I told them last year that I would file a complaint and what I got in return from them is them sending me these offers for Large Car Loans that I do not wont or need.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (TX)

I purchased a car from XXXX through XXXX and somehow Bridgecrest holds my allege loan. 

After coming across and studying laws and regulations and seeing how Ive been violated I reached out to Bridgecrest XX/XX/2022 to inform them on how theyre violating me and to cease such activities. 

They sent me back a computer generated response. 

XX/XX/2022 I informed them on my right to rescind such transactions and I did rescind such consumer transaction. Giving them XXXXdays to cancel security interest in my property, as well as claim reimbursement for all interest payments made, and for them to send me title. 

They than sent me back another Computer generated response the same as the one prior.

They have also giving my private information location to two different Tow companys who have violated my privacy and tried to commit identity theft and aggravated theft. 

I am at the last point to get this situation solved. 

They are ignoring my correspondences, my rights.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Starting back to 2016 I have medical debts added to my credit report from XXXX XXXX  originating from XXXX XXXX have XXXX amounts of {$120.00}, Acharge for {$150.00}, XXXX charges of {$1800.00} seperate charges of {$200.00} dollars, The rest are down below BULL CITY FINANCIAL SOLUTIONS Opened XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX BULL CITY FINANCIAL XXXX Opened XXXX {$370.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX, and unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc ()

Good day! I'm from the XXXX and a freelancer. I've been using Paypal for XXXX years and now, they're suddenly closing my account saying I'm engaged in selling XXXX content/materials which I'm not aware of. I've only been using Paypal to purchase games or for receiving salary from my US employer ( I'm working remotely ). 

I'm not sure if this complaint should go here, I just want to give it a try and make an appeal. I've asked them for the specific transaction they're flagging, but they keep saying that they can't provide further detail. 

I know you can help me out as this payment method is important to me for all my transactions as a freelancer. Thank you!
Consumer complaint received 2020-02-24
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. (NY)

Equifax and XXXX  keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is Equifax and XXXX   validating this account? I will have to seek a lawyer to sue Equifax, XXXX  and XXXX XXXX XXXX if this fraud account isnt removed from my credit report.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Report act XXXX XXXX Acct # XXXX, XXXX  XXXX Act # XXXX, XXXX  XXXX Act # XXXX, XXXX  XXXX  Acct # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-14
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)

During the week of XX/XX/XXXX- XX/XX/XXXX i called EXPERIAN to discuss some incorrect items on the file they have on me, XXXX XXXX a consumer in fact. While on this call i spoke to representative and explained that EXPERIAN had reinserted some accounts back in the spring of XXXX that had been deleted around XXXX of XXXX. I asked the representative why had they not notified me of the reinsertion as stated in The Fair Credit Reporting Act in 15 USC 1682i ( B ) ( ii ) ( iii ) to which he had no response. Then I explained that according to The Fair Credit Reporting Act IN 15 USC 1681b ( 2 ) they can only furnish a report and under no other circumstances according to the written instructions of me a consumer to which the representative told me that title 15 chapter 41 subchapter III is not the law and EXPERIAN does not have to follow it. I then explained that the agent was wrong and can take some time and look up the federal laws I had quoted to which he refused and at times told me to be quiet which to me was highly unprofessional. These accounts have been affecting me for almost 2 years and i've tried several times to address this matter with EXPERIAN to no avail. As a victim of identity theft I filed a report with the FTC sent it in to the appropriate consumer reporting agencies and some of the inaccurate information was removed while others were kept even though they were on the report ( see attachments ). I have been denied multiple times do this inaccurate reporting by EXPERIAN. Furthermore I explained to the agent that according to 15 USC 1681b ( 6 ) due to the fact that EXPERIAN, XXXX, & XXXX operate nationwide they should have removed the accounts just as XXXX AND XXXX did as they had alerted one another in order to keep accuracy on all reports and comply with this law. The agent still said there was nothing he can do and was still speaking to me in a manner that was very disrespectful. The hardship this has brought to me and my family cant be explained in words but i am making that attempt now. I have no confidence nor trust in EXPERIAN as they have willfully and knowingly keep reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and EXPERIAN is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts are : 1. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX 3. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX I have filed a new FTC report to go long with this complaint as well.