davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (FL)

on XX/XX/2022 Certified Letter : SENT AND CONFIRM ( 1 ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX letters was sent each to different credit bureaus XXXX, EQUIFAX XXXX XXXX and before send multiple disputesI just received my investigation results. Being waiting for and I saw some accounts were verified. However, how is that possible if the open dates is inaccurate, the date last active is inaccurate and date last report is inaccurate this investigation was executed an very inaccurate way I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : This ground for removal ALSO I HAVE ONLY TWO ADDRESS AND ONLY ONE NAME : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) ( Delete this account immediately, unless you want to pay {$1000.00} per violation ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


the law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

i haven't given these accounts written permission to furnish these accounts on my credit report. 

XXXX. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation XXXX. Account Name : DEPTEDXXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : DEPTEDXXXX Account Number : XXXX XXXX. Account Name : DEPTXXXX Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX Account XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX  Account Number : XXXX XXXX Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX 11.Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  ) Account NumberXXXX XXXX. Account Name : XXXX XXXX XXXX Account NumberXXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

I opened a CC with PayPal Credit. My limit was XXXX. I adjusted the limit to XXXX, so once I paid off the balance of around {$3000.00}, I would close it. I noticed that I was being charged interest on purchases that were returned, racking up hundreds of dollars in unnecessary interest and not receiving full refunds for my returns. I have tried to have this issue fixed since XXXX and I keep being told that it will be fixed next billing cycle, and it has not. So, I don't know my true balance and they keep charging interest on returns.
Consumer complaint received 2023-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment!
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MI)

I had an auto loan with Santander for my XXXX XXXX XXXX. I was involved in a car accident in late XXXX. I decided to purchase a new vehicle and the dealership that I was working with agreed to roll in the payment from the car that was totaled. As a result Santander was mailed a check for {$8700.00} on XX/XX/XXXX. My auto insurance advanced a payment of approx {$5400.00} to Santander as well because they were not aware that I had paid off the loan. This has resulted in an over payment. Santander posted the insurance payment before the payment from the dealership. They acknowledged the payment on their website on XX/XX/XXXX. I have contacted the company on 3 separate occasions to confirm that the payment that they acknowledged on XX/XX/XXXX is from the dealership. On every occasion they have said that they do not know where the check came from that they applied to the account. When communicating with this company today ( XX/XX/XXXX ) I was told that I would not receive my refund for over payment until approximately XX/XX/XXXX. When I asked what is causing the delay in receiving my funds they stated that there is a process and that is how long it will be. The will have had their funds for well over a month and there is still no clear indication of the dollar amount I will receive and really when it will be sent. I have reached out to them 2 times in writing and once by phone since this ordeal began. I am not getting answers or any information. I am not sure of what to do at this point.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (IA)

Hireright told a possible employer there were discrepancies in my education information. Stating that i lied and i did not receive XXXX  but a diploma. In the application i completed under question " what degree recovery ''. It does not provide the answer DIPLOMA and it does not provide a space to type in DIPLOMA so i choose the best option. That is their error and they shared falls information with company who did not hire me
Consumer complaint received 2023-03-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (PA)

Ally offered a bonus for depositing money in a savings account. The amount I was eligible for is $ XXXXThe bonus was said to be paid on XX/XX/XXXX, but I never received it. I've asked Ally continuously to look into it. They previously promised to have it resolved by XXXX, and then the end of XXXX, but both of these were not held up. Now Ally says they have no plan to ever resolve it. 

The details of their bonus are described here : https : XXXX Dozens of other people have commented at that web page that they've had this problem too.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION (TX)

Hello, my name is XXXX XXXX and fraudulent accounts were opened in my name with One Main Financial. I spoke to the branch XXXX and she said they could handle it in the office. I didn't speak to her my husband did. My husband explained to her that I work in the XXXX, and I am not able to receive phone calls. I am not allowed to bring my phone into the XXXX. They have recently started calling me at my place of employment, even though I told them I cant receive phone calls at my job. I have provided them with my Police Report, FTC Identity Theft Report and also an Notarized Identity Theft Affidavit.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

THERE IS A BANKRUPTCY THAT IS SHOWING ON MY EXPERIAN CREDIT REPORT THAT DOES NOT BELONG TO ME. I CONTACTED EXPERIAN AND WAS TOLD THAT IT WAS VERIFIED FROM THE COURTS WHICH WAS NOT TRUE. I SENT THEM THE PROCEDURAL REQUEST LETTER, I SENT DOCUMENTS WHERE THE COURT STATES THAT THEY DO NOT VERIFY ANY INFORMATION WITH THE CREDIT BUREAUS, I CONTACTED EXPERIAN AGAIN AT THAT TIME THEY STATED THEY VERIFIED IT WITH XXXX XXXX, I CONTACTED XXXX XXXX THAT STATED THAT VERIFIES IT WITH THE COURTS WHICH AGAIN IS NOT TRUE. IT IS AGANIST THE LAW TO HAVE INCORRECT AND UNVERIFIABLE INFORMATION ON ANYONES CREDIT REPORT.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (NH)

A company named Avant has discriminated against me when I applied for A personal loan, I was approved but in the end they denied me, and refused to take my income after approval. I am now being harassed by this company they are switching passwords on me as well as hacking my accounts, hacked into my daughters phone, and my XXXX sons phone is not working properly due to the hacking, also my sons school meetings have been interfered by this company .they are worried I am going to file against them for discrimination, and harassment. they have caused me XXXX by toying, harassing,, and following me everywhere I go, preventing me from checking my credit accounts, and setting up my accounts and interfering with school meeting for my XXXX son. they are in all my bank accounts including credit cards, and they interfere when I pay on my accounts. this company Avant is very criminal, and I hope, and pray they do not keep on doing this to others also .they broke into my email, and not letting me in my mail to check messages for school or my credit accounts .they need to be investigated and prosecuted for this torment they do to people its awful. they have called me at XXXX XXXX am harassing me, and sending me messages with an old lady voice, calling my daughter with A XXXX number, they sent me a note on my cell saying they get an illicit thrill spying on me, I have asked them by email to leave me alone I do n't want any loan from them as they are criminal. I received emails at XXXX. there are many bad reviews on XXXX, and XXXX, XXXX, and news paper articles on their arrest due to discrimination, and harassing others the same as they are harassing me, and causing emotional stress I pray someone from FTC can help me with these criminals, and stop them from harassing me, and my family. this has been going on for 3 months now, and its now considered torture for us. can you please help me stop these criminals. the FTC has information on Avant they have A criminal record. they are using up all my XXXX on my daughters cell phone, and I want to get that money back from these thieves. they have done so much damage to me, and interfering with my daily life schedule for 3 months now. it has been pure torture for me, and my family we all are dealing with this company Avant, my XXXX son who is homeschooled has watched me cry, and its been awful for us. Can you please help me with this criminal company so they do n't torture anyone else like they have done to me. I thank you, and hope we can work together to prosecute them for harassment, and discrimination, and emotional distress so they do not do this to anyone else. I am willing to travel to the FTC to help with this. the chief of police, and the Attorney XXXX office has been helping me on this, and sending me your way. Thank You so much, and I look forward to hearing from you.
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (CA)

these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AZ)

I filed a complaint with CFPB on against Santander Consumer due to harassing phone calls, a illegal late payment practice, an inaccurate RTC letter and a fee schedule designed to never allow for payment to reduce principle. These predatory lending techniques have resulted in countless class action suits against Santander Consumer yet they continue to take advantage of the consumer with sub prime credit. My complaint was replied to by Santander on XX/XX/2020 my car became repossessed on XX/XX/2020. CFPB case number : XXXX-XXXX. In its response, Santander did not supply accurate and truthful answers to myself or the CFPB. Based on the companies violations of 32-1085, 44-286 and 32-1051 the company should be made to forfeit their claim to " any finance, delinquency or collection charge on the contract. '' 44-295. I am asking the CFPB tp assist me in taking action to first recover my car which was taken as retaliation for filing the complaint with CFPB. Upon recovery of the vehicle I would like to ask for assistance in bringing the loan into compliance with FDIC best practice and enforce any " sub-prime '' lending consequences against Santander Consumer.  My vehicle was taken during the night on XX/XX/2020 and now I am unable to get to work as there is no public transportation by my residence.
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Bought a new XXXX truck in XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX  with extra warranties and packages and was told I have 30 days to change my mine and cancel for full refund. I canceled within thirty days and was told the refund will be sent to my lender Citizens One Consumer Loan Services in the amount of ( {$3800.00} ) but as of date my account has not been credited the money. XXXX XXXX XXXX in a letter state the money was sent to my lender. I reach out to the Illinois Attorney Generals Office to get that information from the XXXX XXXX XXXX. I then contacted my lender Citizens One Lender and they state they could not find any reimbursement check from XXXX XXXX XXXX. Now I am reaching out to you to help get my reimbursement money owed me. I am paying for a loan that still include the {$3800.00} in the loan on which is causing me to pay more interest. I have no way to electronically send documents but if you will send me a claim and the attention who to send the documents too I will mail them. All my contacts with the Attorney General Office was by mail.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX FL XXXX  Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX  IN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these

disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A
) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-06-15
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. (FL)

I have a very big mistake in my reporting someone just put items that do not belong to me or to my business activity. I am shocked this is absolutely not legal I am begging you to remove them. Please figure put who did it to me and I will file a report.
Consumer complaint received 2019-05-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Around XX/XX/2019 I've submitted my dispute letters to Equifax, XXXX XXXX, and XXXX, but also the collection agency XXXX XXXX XXXX XXXX.. XX/XX/XXXX I received a letter of correspondence from XXXX stating that my concerns will be reviewed yet the item is still on my Equifax report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XXXX XXXX XXXX XXXX credit update as proof that the account has been closed.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery - Harassing Behavior They have called 50 times from 21 different numbers in the past 4 months ( XX/XX/XXXX-XX/XX/XXXX ). On two separate occasions, they called multiple times within an hour, from two different numbers. 

They NEVER leave a voicemail ; they call during the day while I'm at work. They have called me at my work number ; they were informed to stop calling me and send me correspondence via mail. That request was ignored.
Consumer complaint received 2020-02-25
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: Security Credit Services, LLC (NC)

Received credit alert for collections on account that was paid off and closed from 2017. Followed the steps to initiate dispute. The account was paid via automatic debits from checking account. Last payment was debited on XX/XX/2017. Letter sent via XXXX   to remove account debit authorization and to confirm last payment paid. Bank statements show the automatic payments through the end of lease and closeout. With my continued research, the original company has numerous complaints of not reporting accurate info. This has showed up with multiple debt collections and has been disputed. Tried contacting debt companies no one ever answers the phones at XXXX, XXXX, XXXX XXXX  or any normal business hours you expect a legitimate business to answer calls. I have no credit dont use credit cards. Filing disputes with credit companies dont do anything just a waste because these companies dont do anything except string you and time out and report after our investigation the info is correct. There was nothing done, no research for accuracy, paper work supporting documentation looked at nothing. Just generic false statement we are investigation.