davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (GA)

XXXX direct marketing is a very old debt that keeps selling my information to collection agencies. This debt is so old that I honestly dont recall the date of inception. It is negatively affecting my credit. The collection agency is showing a date of 2016 which is definitely incorrect. The debt is for {$490.00} and that is also incorrect. No product XXXX sells costs that much. Due to this collection on my credit report, my score is severely affected. I have made attempts to get this removed by phone but to no avail.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company : XXXX XXXX XXXXXXXX XXXX and transunion consumer solutions collection account in the amount of {$1300.00}, disputed with company but it remains on my report. 

CA state 's Code of Civil Procedure 337 states no debt can be collected after 4 yrs. 

Account was opened XXXX of 2018, passing the statute and should be removed from my credit report completely.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Danco Financial Services, LLC (GA)

In 2015 the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692 g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. 
hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer _ reporting agencies. 

Im aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit.
Consumer complaint received 2023-02-22
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)

In accordance with fair credit reporting acXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX is the amount I'm disputing the company let someone Doc sign for apartment in XXXX Texas 15 u.s.c. 1681 section 602A states I have the right to privacy 15 u.s.c. 1604A section 2 also states A consumers reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (DC)

I am having a problem because there are a lot of inaccurate information on my report. I have been a victim of identity theft. I have XXXX inquiries, collections and misinformation that does not belong to me. 

I have varying birth dates, social security numbers, and addresses where I never lived and collection accounts that I DID NOT OPEN. I am XXXX years old and my credit is important to me. I am getting phone calls for some woman named XXXX XXXX, whom I suspect is responsible for this.I have tried to find out who she is to no avail. All of this stuff needs to be removed from my account. I can't have this issue continue. 

This person, I assume is doing a lot of this online.I am now trying to rent a home, and all of this keeps coming up, it is NOT fair for me to have to pay for someone else 's fraud. 

I am asking that anyone that inquires into my file, let it be known that Iam disputing my credit file and I AM A VICTIM OF identity theft. This woman XXXX XXXX is from New York, as far as I can tell and all she does is try and buy things in other people 's name. She is of XXXX descent, and scamming is her game. She is on XXXX, without a picture.
Consumer complaint received 2020-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (GA)

I have never paid on this account XXXX / Calvary. The negative information on the account is more than seven years old. I live in Georgia so the negative information is six years. Cavalry has reported the debt as XXXX XX/XX/XXXX. I did not open this account in XXXX. Cavalry is reporting this account as it is open, too.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to capital one for the purpose of obtaining a credit card, capital one has committed fraud with my personal information, I have sent capital one a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time capital one accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because capital one has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/XXXX  Has reported on an old account from XX/XX/2014 that they charged off {$48000.00} on my account when Im fact they sold the asset and collected almost {$32000.00} and tried to collect the {$16000.00} from me. The account is reflected fraudulently on multiple credit reporting agencies and I have tried to dispute and get it corrected. 

They have since charged off the {$16000.00} but show it still to be currently open and they consistently update it affecting my credit rating when every other account I have had both prior to and since this is in exceptional standing.
Consumer complaint received 2022-04-05
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: DISCOVER BANK (RI)

I have a Discover credit card and in XXXX XXXX I had some unauthorized charges on my credit card. Discover recommended that I cancel that card and get a new credit card with a new number. In XX/XX/XXXX, I noticed that there were some unauthorized charges on my new credit card but the statements said that these charges were transferred from my old credit card that was cancelled over a year ago. On following up with Discover I was told that even though the old credit card was cancelled, someone could still misuse it by setting up a recurring charge account at an online vendor and charge the card and those charges would be transferred to my new card. I made many calls to Discover and also made a complaint to the executive office of Discover Financial. They have told me that their systems currently have no way of preventing these fraudulent charges from passing to me in the future. They assured me that they would refund any unauthorized charges but it would be up to me to monitor my account to find and report these. This seems to be counterintuitive that if they suspect that my credit card information is stolen that they would not take steps to shut it down and protect my new account. They can not guarantee that I would not have future issues as they are unable to decouple my previous card from my new account. My only choice is to shut down the account permanently.
Consumer complaint received 2018-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (KY)

XXXX XXXX XXXX is charging excessive interest that violates KRS 360.010 Legal interest rate. I borrowed {$10000.00}, the maximum interest rate is 19 % interest rate, XXXX XXXX XXXX is charging 23.057 % interest rate. XXXX XXXX XXXX has refused to talk to me about the issue. 






See : Kentucky Court of Appeals Case XXXX
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I do not know the dates but it is XXXX that is on my credit. I will not be paying for an account i didn't open. Please send me valid contract with the company. JEFFERSON CAPITAL SYSTEM decided to purchase this account from XXXX and harrass me to collect something I don't owe
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (MI)

I have a 30 day late payment listed on my credit report with GM Financial on my XXXX   credit report. I disputed this late fee, as it was for the last month of my lease, and was supposed to have been rolled into my final payoff amount ( which I paid promptly ). My  dispute results came back as " updated '' but still show the inaccurate late fee. It now also shows additional inaccurate information. My lease was paid off in XXXX of XXXX, but it now shows regular payments being made ( on time ) on that account until XXXX of XXXX. The {$0.00} balance is accurate, but the late fee was not removed, and is still showing on my credit report ( but was changed from XX/XX/XXXX to XXXX of XXXX. I have not had a late payment on any account in almost 10 years, and am trying to protect my credit score. This inaccurate reporting is very frustrating, and the dispute service is not  satisfactory at all.
Consumer complaint received 2018-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

My total loans were $ 71K+ subsidized and unsubsidized at a fixed rate of 6.8 % - I was on 1 year Economic hardship forbearance since last spring Until XX/XX/2018 I was informed I was going to be billed > $ 26K of accrued interest - which If I didn't pay it would be added to my loan balance. 

I am at 6.8 % - that should have been an increase of less than or around $ 5k and now my loan is {$98000.00} - From $ XXXX - 1 year accrued interest that is supposed to be at 6.8 % and they charged and added > $ 26K to my loan balance. 

I wrote them and emailed from their site and I have heard nothing. 

I used XXXX XXXX 's website and looked at there " understanding your interest '' section - below is copied directly from XXXX XXXX 's page about how to figure your interest accrual : " How To Calculate Interest To calculate your daily interest accrual, use the following formula : Interest rate current principal balance number of days in the year = daily interest '' So, my fixed rate multiplied by the loan total since last payment : 6.8 % * {$71000.00} / 365 = {$13.00} daily interest -That is the daily interest accrual for my loan. 

My interest accrual of course would have been the entire 365 days while on hardship - which comes out to {$4800.00}. 

They added > {$26000.00} of " accrued interest '' to my loan. That is an increase that equals >32.62 % of my entire loan value. They have not responded to my email questioning it. 

Please help.
Consumer complaint received 2020-05-16
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. (CA)

On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I inquired about an account with the name of XXXX XXXX XXXX on my credit report. The account number is : XXXX. I am a victim of identity theft AND this account is also showing illegal reaging which is also a violation of my consumer rights.

I requested to the company AND the bureaus : Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. My rights dictate my ability to obtain this information. I have issued a formal complaint to the FTC as well as the XXXX regarding this matter. My report shows numerous inaccuracies with the DATE THE ACCOUNT WAS OPENED, THE DATE LAST REPORTED, and THE DATE OF LAST PAYMENT.

Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

THIS IS ILLEGAL REAGING! Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ).

This account is currently involved in a litigation due to identity theft and further complaints are being issued through my attorney. 

This item needs to be DELETED and my report needs to be corrected IMMEDIATELY.
Consumer complaint received 2020-05-04
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: Verisk Analytics Inc (TX)

I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

I opened a checking account at XX/XX/2017. And i opened the checking account cause they offered me {$300.00} bonus, if i complete {$2500.00} direct deposit within 60 days. As their promotion says after meet all requirenments i should get that bonus within 95 days. 

Their terms said " the bonus will be credited into the new personal checking account no later than 95 days from account opening. '' But after 95 days later they didn`t gave me the bonus i called them and they told me to wait 125 days and i waited. they said i met all the requirenment but they will contact with me but they never. Today i called again and they told me to wait till XXXX to get that bonus. Today is 135 days and its counting but they are like playing game with their user. I have all the screenshot of their terms and advertisement. Its just misleading and I need my {$300.00} bonus as they promised since i completed all requirenment.
Consumer complaint received 2020-05-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I called " Portfolio Recovery Associates, LLC '' on XX/XX/2020 and spoke to XXXX XXXX in regards to a debt they have under my name and in collections in the amount of {$3200.00}. After attempting to negotiate and work out a deal, he transferred me to his manager named XXXX and she spoke to me on available options. I listened, but explicitly mentioned several times that I could not accept their offer. Again, I said that to them multiple times given that I could not commit. Well, they went ahead and WITHOUT my permission entered me into an agreement to pay {$2400.00}. It states ( I have their documentation of this payment plan ... they sent to my home ). They basically put that I accepted her offer and placed me in a payment plan that I never accepted. This is a deceptive practice that preys on the vulnerable and without my permission puts me in a terrible predicament to defend myself. According to XXXX XXXX, I am ALLEGEDLY being sued and this debt is in civil court ( they didn't want to provide me with any proof ). Stating that I agreed to this payment plan sets me up to lose that case because if I didn't notice, they could have claimed that I failed to uphold my payment plan ... thereby I lose my case. I only found out about this payment plan because I called a few days later and their new agent informed me about it. This is lying and an ignoble practice.After calling them and telling them I did not consent to this payment plan and it is falsified, they still continue with it and just sent me a letter asking for payment. They aren't listening. 

My biggest concern is that if I did not call again I wouldn't have known about this plan they entered me without my consent. And if this matter is truly in court, this shows that I am in violation when in truth I never agreed to this deal. They have a recording of our call and I demand they be held accountable. 

They violated Sections 805, 807, and 808 of the Fair Debt Collection Practices Act. 

" Portfolio Recovery Associates, LLC should be held responsible for falsifying my consent into a payment plan. This is a deceptive practice, against the law, and intended to further implicate me in the debt. I look forward to pursuing this matter because the potential damage that could have been done shouldn't be taken lightly. I wonder who else have they done this to.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

Last fall, we received a Vanilla Gift Card and checked the balance, which was {$50.00}. On XX/XX/XXXX, we visited XXXX to pick-up a few items and attempted to use the Vanilla gift card, which was declined. Later that evening I called Vanilla Gift Card for assistance at XXXX and was informed by customer service that {$48.00} had been charged to XXXX. Confused, I conveyed the fraudulent transaction and was given case # XXXX, also received an email with attachment ( Dispute Packet ) ; stating an investigation would begin once the attachment was completed and returned. 

I promptly completed and returned the email with attachment and received the following response on XX/XX/XXXX " Please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. Please allow time for the processing of your dispute. The entire cycle can take 45-90 days ; however, some cases are resolved before then. '' I followed up after 30 days, on XX/XX/XXXX and received the same response as above. 
I followed up again at the 60-day mark XX/XX/XXXX same response as above. 
I followed up again at the 90-day mark and still received the same response again as above. The 90-day mark XX/XX/XXXX I followed up again and received no response. I contacted them again on XX/XX/XXXX and still no response. 

I called and the automated response stated to allow 180 days, so I waited and until XX/XX/XXXX to follow up again and was informed I would receive an email response. Finally, I called XXXX after about an hour I spoke to a representative, who conveyed the case was still pending resolution. 

I am following up again since there has been no communication or conclusion to my case, which is now five months ( 150 days ) without a reply. Vanilla organizations courtesy and professionalism have been poor, and integrity seems to be lacking. I look forward to a more satisfactory response. 
XX/XX/XXXX, I submitted another email with the above information on it and still received no response :