davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
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: Experian Information Solutions Inc. (TX)

I recieved a notice for a collection of debt from the Law offices of XXXX XXXX XXXX on XX/XX/XXXX, I called them directly disputing the charges in the amount of {$1900.00} and requested to receive an itemized list of the charges to compare to my inspection that I received from XXXX XXXX Housing Authority. At the time I was on housing and its required in order to leave a property the complex has to sign off on a intent to move notice, which I received on XX/XX/XXXX and told them i was planning to move by XX/XX/XXXX because of the 30 day notice rule there, and the housing authority has to complete a full inspection of the unit to ensure the property was not damaged from the tenant on XX/XX/XXXX, which in this case is myself. I was told by XXXX on XX/XX/XXXX who answered my call to the law office that she was going to mail out my documents requested and that I should receive them in 7-10 bs days at the most. On XX/XX/XXXX I only received a copy of my old lease from XXXX XXXX XXXX verifying that I paid a {$300.00} deposit, that's it! NOTHING VALIDATING THE CHARGES AGAINST ME as proof. Till this day I never received the charges I asked for, so I contacted the bureaus to initiate the dispute process because the debt was reported 6 times, 2 times with each reporting agency. I received notification from XXXX of the removal and with Experian they removed the debt from {$1900.00} to {$1700.00} and at that point XXXX and Experian requested my inspection proof and all supporting documents which I provided XX/XX/XXXX. I never once received written notification from these 2 agencies of a reinsertion even though they discovered initial inaccuracies to update the debt to {$1700.00} in XX/XX/XXXX. I am currently in the process of paying off alot of stuff so my credit monitor company questioned me about the change because no notification otherwise had ever been received. This is clearly fraud reporting one debt amount twice on each trade line, then to report the wrong amount without a response from the debt collector from XX/XX/XXXX, then to decrease the debt voluntarily, then to just not send me reinsertion notifications at all? How is this legal, I dont feel this is right to me to wait 6 months where I am only obligated by law to wait for the proof within a 30 day time period with written notice that of course I never recieved. Now when I call Experian they auto decline my calls so I have to call using a random social that I just type in and have also blocked me from using any online method of use through their website.
Consumer complaint received 2022-11-03
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: United Revenue Corporation (TX)

I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

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

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ENCORE CAPITAL GROUP INC. (IN)

In XX/XX/2016 I applied for a XXXX XXXX credit card online, in response to my application I got a message saying I would get a letter in the mail with their decision in 7 to 10 business days. I never heard from them and didnt think of it again. ( I moved to Indiana 3 weeks after application date ) I have recently been getting notices from a collection agency ( XXXX XXXX  ) saying the card is past due and has {$800.00} balance. I never got this card, I have been trying to work with midland and they told me I need to have an official report and other then that havent really helped.
Consumer complaint received 2024-04-03
Product: Credit 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: SYNCHRONY FINANCIAL (IN)

I purchased a XXXX oz bottle of XXXX XXXX for {$6.00} on XX/XX/XXXX. When I received my next statement from XXXX I noticed a charge for {$120.00} from XXXX XXXX  on XX/XX/XXXX. I did not recognize the company or the charge so I contacted XXXX and disputed the charge. They disapproved the dispute so I contacted them about it and they said the company stated I approved a trial subscription and that I did not cancel it and was charged {$120.00} for the monthly subscription. I told them I NEVER saw or read anything about a subscription and if I did I would never approve it for that amount! Plus I was charged the {$120.00} only 7 days after I made the initial purchase of {$6.00} and it was to another company and I never received another bottle. She sent me to the fraud unit and I gave all the details again. I received a letter on XX/XX/XXXX stating it was disapproved again. I started looking online for complaints on this company and found many. This company is a scam. XXXX is giving me no other recourse. I asked for evidence from XXXX XXXX to support their claim. All they said they received was a screenshot of the tracking where I received the trial bottle. I havent received the evidence yet. There is no proof there was wording stating they were going to charge {$120.00} a month. XXXX is encouraging the scam companies by making a decision based on a screenshot of delivery and not taking into account all the evidence I provided on complaints from others on the exact issue. There was no investigation done by XXXX. Victims have NO rights anymore. Attached are documents from XXXX complaints on this companies scam.
Consumer complaint received 2022-03-02
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: ACIMA CREDIT, LLC (MI)

On XX/XX/XXXX XXXX XXXX there was an account opened in my name or inproperly reported by ACIMA XXXX FKA SIMPLE. 

I filed a dispute through XXXX along with Acima and both came back stating the account was correct. 

This is wrong. I have not had my credit ran nor have I every spoken with Acima about any type of loan or lease.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion has violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ) I sent TransUnion a letter received XXXX XXXX and they failed to respond. XXXX of XXXX Transunion reported inaccurate information on my consumer report when I contacted Transunion in XX/XX/2021 I told them the car from XXXX XXXX XXXX was not mine they said they had to investigate, they came back 3 months in a roll XXXX to XXXX saying its accurate after telling them multiple times the car not mine. I finally was able to get the situation fixed with the XXXX XXXX in order to get it removed. I was told I can not get a car due to me having two when in fact I only had one, due to the lack of TransUnion inaccuracy and failure to properly investigate pursuant to 15 USC 1681, cause me severe stress and humiliation.
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (CA)

I and my son purchased a 36 month lease from Ally Bank on a new XXXX XXXX on XX/XX/XXXX. We also purchased the Lease Protect insurance for damages and excess mileage. In the 1st year, the car was badly scratched and we decided to have it professionally repaired as it was an eyesore. The repair job was adequate and not noticeable. We returned the vehicle at the end of the lease in XX/XX/XXXX glad we had the damage insurance because there were some additional scratches we decided not to fix. 

Much to our surprise, Ally Bank sent us a bill for {$390.00} with no reason or details about what the charge was for. I figured they didn't realize that we had the damage insurance, so I sent them a copy of the receipt. They proceeded to send another bill. I called them and talked to an agent. She informed me that the bill was for improper repair. I told her we had the repair done at a professional shop, and she said it would only be waived if the repair was done at a XXXX approved dealership. Since I did not have it done at XXXX, I could not get the waiver. 

Instead I asked for proof that the repair was done improperly. I wanted some sort of independent auto inspector to make the decision. Ally gave me no proof and no means to verify their claim. What they did give me was another bill in the mail and threats to notify the credit agencies. I just received notice that my and my son 's credit scores are now significantly lower because of the negative report. 

They want me to just pay the {$390.00} even though they won't give me any proof that I really owe it. I'm not going to just roll over and pay. Ally Bank needs to be held accountable and show proof.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute letter with on XX/XX/2021 Transunion, XXXX and XXXX regarding a XXXX account number XXXX that was closed due to fraud and Transunion refuses to remove it. 

The account is being reported as bad debit when in reality it was fraud that XXXX XXXX never investigated. 

I spoke to an agent with Transunion today named XXXX XXXX at approximately XXXX and advised that under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This account went into collections even though I advised XXXX XXXX that it was fraud and they never investigated it or verified the debt. Additionally, XXXX XXXX placed a judgment to garnishment my wages and upon proof of facts that they were notified of the fraud and checks written on my behalf, I received a voluntary dismissal of the judgment and the case was closed. 

Additionally, as seen in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX a consumer reporting agency, was sued and the plaintiff won as the courts found that XXXX was furnishing inaccurate information because the plaintiff no longer owed the debt.
Consumer complaint received 2018-05-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX  XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted Experian and XXXX  and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was approved for my Capital One Secured Card on XX/XX/2017 after speaking to several representatives on ways to increase credit score and what is the best card as well as options credit limits and so on. I recently inquired about my Secured Card in an attempt to get a credit limit increase and upon process was informed that it is impossible. I was also informed that I had 80 days from approval of card to put through a credit limit increase. I also inquired about the deposit ( {$49.00} ) that i had put down for the limit of ( {$200.00} ) and was told that they would look into me getting my initial deposit back due to great behavior. I have never missed a payment on this Secured Card and have had another credit card with Capital One for over 6 years. I am contemplating closing this card down and would hate to and would want to find a solution. Thank you.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (MI)

CITI Group recently sent me this response to an inquiry about credit services : " Citibank , N.A . 

XX/XX/2018 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX, SD XXXX Dear We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding Citis U.S. Commercial Firearms Policy. 

We have a deep respect for those on all sides of this important debate. Consumers may legally purchase a firearm with a Citi credit or debit card. In addition, there are millions of Americans who use firearms for recreational and other legitimate purposes, and we respect their Constitutional right to do so. Thank you for sharing your views, we appreciate your feedback. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE '' My question now is does CITI Group continue to provide banking/credit card/loan services to " business '' that manufacture and/or sell guns to the public? Thank you.
Consumer complaint received 2022-11-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC (TN)

I just filed a complaint with advance financial they sold this account to XXXX XXXX XXXX, Waiting for response from XXXX XXXX XXXX, couldnt reply to the company because they were not in the system for complaints, how are they capable of replying and I just got some mail from them today thats clearly stated this is an XXXX XXXX XXXX with a drivers license, 1 check stub, that can easily be done, 2 separate sheets, 1 bank that shows deposit and credits and another bank that shows absolutely nothing. This does not show anything that proves this is mines, this is a reason why I posted documents and why I had to contact XXXX, because I couldnt open up me an account this year XXXX. I will post all these documents and they didnt respond to COMPLAINT ID XXXX Is because they were gathering all this mess to try and prove this is mines, when you submit disputes to the credit bureaus you submit all documents including DL and they submit documents to them, first thing first you continue to report a C/O account monthly and its closed, It was sold to your company from advance financial and from XX/XX/XXXX it shows XXXXXXXX XXXX XXXX, no in person conversation to XX/XX/XXXX, if this is a cash advance where did you get all of these different transactions when you dont show the deposits. WHO account are you looking, you sent me 2 different banks
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020 I the Consumer entered a false and deceptive form pursuant to 15 USC 1692 ( j ) with XXXX XXXX Auto Finance. I was violated on my rights as a Consumer. XXXX  XXXX XXXX XXXX has communicated with me on several unreasonable times alleging I the Consumer owe a debt. In the false and deceptive form that I was aggrieved in I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ) .The total amount of the finance charge on the false and deceptive form was XXXX XXXX I am disputing any debts alleged owed by me the Consumer and I am requesting all past payments be directed back to me including down payment cost in sum total of XXXX pursuant to 15 USC 1692h.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Was sent offer for buissness credit card from capital one, applied was given credit card with XXXX dollar limit have used card several months never late pay balances off in full My credit score is over 800 got letter saying they were closing my account that my buissness didn Align with their policy called them asked for explanation was told couldnt have one and that I couldnt talk to anyone else
Consumer complaint received 2018-05-07
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: CITIBANK, N.A. (CA)

When l checked my XXXX credit report, l realized that ; CBNA/XXXX XXXX reported a hard inquiry on XX/XX/2018 which l have no idea about.
Consumer complaint received 2022-11-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (VA)

My former company, XXXX XXXX XXXX XXXX XXXX, opened up a credit card in my name when I started working there. The card had my name on it and theres. I didnt want the card, but they insisted I have it for travel expenses. I was unexpectedly laid off from there in XX/XX/2022. Since then, XXXX XXXX has been calling me and writing letters that I owe them over {$3000.00}. I have repeatedly told them I no longer have access to the account and the card was closed by my employer but they wont stop. The card company had a special site for employees to access for card info. However, I can no longer access it. I havent used this card and have no idea what the charges are for. No one at XXXX XXXX  can tell me anything except that I owe them money and have been sent to collections. They are threatening to ruin my credit for a corporate card that I no longer have and havent worked at the company since last year. I called XXXX XXXX and they wont even give me an address to write to someone.