davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
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. (CA)

My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal loan.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal loan.
Consumer complaint received 2017-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I bought a suit from XXXX for approximately {$1600.00} around XX/XX/2015. For some reason or the other I did not receive the bill from them. Once I realized after a while I went to the store and inquired about not receiving the bill with the clerk. She told me what the outstanding amount was with late fees and penalty. I did not agree with the late fees and penalty but paid for the merchandise that I had bought. The clerk also agreed and said they will take the penalty and late fees out. 
Which I realized they never took it out. 
And now I get calls from some other company ( Portfolio Recovery Associates ) for the late fee and penalty which I vehemently dispute.
Consumer complaint received 2023-01-30
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. (IL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXXXXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there a number of inaacuracies on my consumer report that still remain. 

They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX  ( XXXX - XXXX -- - XXXX ) is reporting several old accounts on my credit report which should have never been placed on there. For one I never got a notice and they just put the erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. 

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Regional Acceptance car loan appears twice on my credit report. One in good standing and the other is not. 
I have one account with Regional Acceptance the account that have a balance of {$20000.00} need to be removed. 

Thank you.
Consumer complaint received 2022-10-07
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. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My ID and phone were stolen XX/XX/XXXX. A police report was filed and on XX/XX/XXXX I notified Capital One that my card was stolen. Capital One has concluded their investigation and determined there was no fraud and is unwilling to address the issue further. Meanwhile, my account balance has increased by roughly $ XXXX.
Consumer complaint received 2020-05-07
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: American First Finance, Inc. (FL)

Same day of delivery, I told them, immediately, the day of the delivery of their, Thursday, XX/XX/XXXX, at XXXX, that the Fridge was not working properly. -The Fridge, on the lower section is not cooing. -The light will not turn on on the bottom left portion. -The upper right view door does not work/it will not open. -The LED display did not and it still does not display the correct temperature. I called them the very next morning since it was still not cooling/working properly. I was informed to allow 24/48 hours. I did. I called again. 
Thursday Delivery, Call Friday, Allowed Saturday, Called Sunday Morning : they said they would get back to me. They never did. I called back during the weekday and I repeated my story about not working and was told to allow 24/48 hours. I said I already had, the delivery was on Thursday and that at this point i wanted to return the Fridge/exchange. SHE KNOW TELLS ME THEY ONLY DO RETURNS/EXCHANGES IN THE FIRST 24 HRS!!! I have it in writing that I notified them immediately. I was given the Service Number, they never answer.

After being on hold for over an hour multiple times, it is beyond clear they have no intention on selling a working fridge. Please know this is a new Fridge. This was to have dings and I was OK with Cosmetic. I am not OK with none cosmetic.
Consumer complaint received 2020-05-19
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: Paypal Holdings, Inc (NC)

XXXX  CASE # : XXXX for reference *** We are waiting for the business to respond. 
PayPal said in an email they could not accept a XXXX  complaint, but could accept a formal complaint from the CFPB. 


Complaint filed by : XXXX XXXX ( More ) Complaint filed against : PayPal , Inc. ( More ) Complaint status : Activity Date Activity Description XX/XX/2020 Notify Business of Dispute - XXXX  XXXX XX/XX/2020 Send Acknowledgement to Consumer XX/XX/2020 Case Reviewed by XXXX  - XXXX  XXXX XX/XX/2020 More info received from the consumer ***Document Attached*** Pictures of invoice and product promised plus picture of the VERY SMALL Plastic package that arrived with 2 small rolls only. It could not handle having 2 packages of 32 FAMILY size rolls equivalent to 112 regular rolls times 2. 

XX/XX/2020 Case Received by XXXX ( Less ) Case Description : I ordered two 32 rolls FAMILY size times 2 each equivalent to 112 rolls per the picture on the website ... ( More ) XXXX  Designated Category : Billing or Collection Issues Case opened date : XX/XX/2020 Case closed date : Desired Resolution : Refund MUST be made back to the XXXX account that was charged XXXX for the full amount of {$30.00}. FULL ... ( More )
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

This company ( Wakefield & Associates ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

My Mortgage was transferred from XXXX in XX/XX/2020 to Shellpoint. I had been underemployed for some period of time and had just gotten a FT job at a facility as an XXXX XXXX XXXX. Every pay ( bi-weekly ) I have been sending Shellpoint {$1000.00} dollars to " catch up '' with my payments and improve my credit report. Within the last few weeks I have been battling the XXXX as I tested XXXX. I am currently one month behind due to this hindrance. I was just told that Shellpoint had sent an inspector out to my home to check that someone " lived '' there and was charging me {$45.00} for this. 

I have NEVER heard of such a thing. I refuse to pay XXXX for them to harrass me. I have been communicating with them every two weeks. My payment history with them since XXXX shows that I have been diligently adhering to my payments. What is the issue. This is unvarnished discrimination/harassment. 

Respectfully, XXXX XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NV)

I reached out to Macys regarding an attempt to collect debt. I settled the account XX/XX/2019. And asked them to send me something in writing that verifies I settled the account and do not have a balance. They refused and did not explain to me why they couldnt do it. I called several different times and got different answers every time. I needed this information so I can obtain a loan to purchase a home. I called repeatedly and asked if I can send a POA to have the credit bureaus call to obtain account information on XX/XX/2019 and Macys said yes and it had to be hand written. I hand wrote my authorization, called Macys to see if they received it on XX/XX/2019 and they said yes. On XX/XX/2019 I get a call from the loan office and they told me Macys would not answer to the credit bureaus. So this delayed my loan 5 days when Macys first told me they would answer to the credit bureaus as long as I hand wrote an authorization letter. I call Macys and ask to speak to a supervisor and the representative told me theres not much they can do and would not allow me to speak to a supervisor. I repeatedly told the representative of the miscommunication they provided me and really needed to talk to a supervisor and once again the representative stated the manager was going to tell me the same thing she told me. She placed me on a 15 minute hold, once I got a supervisor on the phone, she was not apologetic of the miscommunication that was provided, she showed no sympathy of my frustration, she did not offer to assist me in any way. I truly felt discriminated. I can not believe the unprofessionalism Macys has shown me. I felt disrespected. My time was wasted trying to get help.
Consumer complaint received 2024-03-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

I was looking over my consumer report and noticed that this account looks weird to me ; the date opened, account type, status, payment history, last date of activity, etc. Moreover Ive never had a contract with Jefferson capital or XXXX. In fact, this account was removed previously after failure to verify the debt and somehow you are reporting it again on my consumer report without permissible purpose or any other authorized consent. I have already refused to pay this debt and asked you to cease & desist of such, but for some reason you are communicating with me again, through my consumer report regarding the same unverified debt that was sold to you from various different debt collectors. You have even failed to provide me with several adequate notices pursuant to the fdcpa. Delete this account immediately or risk litigation.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( XXXX, Equifax & XXXX ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MO)

I contacted XXXX XXXX to request internet service at my residence. Prior to receiving service, I discovered that I already had internet available at my home, so I called to cancel with XXXX XXXX at XXXX XXXX on XX/XX/XXXX. The person I spoke to said she could n't cancel because the account had not been established yet. Soon I began receiving bills in the mail from XXXX XXXX. Somehow in this process two accounts were established for my same address and only one was cancelled after may call ( I did not discover this fact until a talking with XXXX at XXXX XXXX on XX/XX/XXXX ). I later spoke with XXXX on XX/XX/XXXX after receiving another bill and she assured me that my account had been cancelled. When I continued receiving bills from XXXX XXXX for varying amounts, I began calling again. On XX/XX/XXXX I emailed my complaint to XXXX XXXX and was told to contact the Retention Department. On that same day I talked with XXXX at the Retention Department. I was told the issue was solved on her end but to wait for an email from Collections confirming the account was cancelled ; I never received the email. I then received a collections letter dated XX/XX/XXXX for a " Balance due : {$160.00} '' After consulting the Better Business Bureau website, I was directed to a telephone number supposedly for XXXX XXXX XXXX " Executive Escalation Team. '' I called the telephone number listed on the BBB website on XX/XX/XXXX. It was their normal business phone requiring extensive hold time to make contact with someone who could help. I finally reached a supervisor who told me that my account was with the " Legacy Division '' and they transferred me to a non-USA office where I talked with XXXX, who found no reference to my complaint but told me she had made a billing correction and that I should receive confirmation of her actions from XXXX XXXX Collections in 3-5 business days - I never received confirmation. I then contacted XXXX on XX/XX/XXXX at XXXX and she discovered that two accounts had been made in my name. She told me that she was able make an adjustment to resolve the two-account issue. On the same day I also called and talked to XXXX XXXX at the collections agency and was told that he would " escalate '' my call to notify XXXX XXXX of my dispute and that I would receive a response back from the collections agency regarding XXXX XXXX reason for the bill. I have yet to see a response.
Consumer complaint received 2023-01-30
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. (IN)

On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from my credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of reeipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NV)

AMERASSIST AR SOLUTIONS IS ON MY CREDIT AS A CHARGE COLLECTION/CHARGEOFF They never contacted me regarding this debt all of a sudden the debt was just reported on my credit. when I tried to reach out to them the phone line does not work,
Consumer complaint received 2020-05-07
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.