davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I got a phone call from a Mr. XXXX, he left as voice message stating he worked for an attorney named XXXX XXXX. He was making a final attempt to deliver a summons for court. He tried my home and my work and could not locate me. If I needed any further details, please contact this legal firm. If I did not contact them, it would result in further legal action without my knowledge or consent. I have been served. 

I then called and spoke to Mr. XXXX and told him that I don't have a place of employment, and that I was on Social Security. I also told him that I don't recognize that debt. It was from an Orchard Bank, for a XXXX Visa card, in the amount of {$1800.00} He told me that they would take me to court and I would pay all fees therein, which would amount to approximately {$4000.00}. 
I asked him what was charged on the card and he said he couldn't tell me that information, but I could ask the judge for them to reveal that, but it would cost me another {$1500.00} because we would both have to show up in court again. 

I advised him again that I was on Social Security and could not afford this debt that I wasn't even sure was mine. He had all my personal information. He stated the debt was from XX/XX/XXXX to XX/XX/XXXX, This is 12 years ago, and this is the first I have heard of it? I told him that I was afraid that this might be a scam. He said it was not and gave me the attorney name of XXXX XXXX. 

He also said that he could put me on hardship program of $ XXXX/month, and that would come out automatically every month. He said he would talk to the attorney, and make sure this was a good offer and he would get back to me today. He called and left a message today that the attorney would give me two options and to call him and we would get this going. He emailed me a Docu-sign that I was supposed to sign and email back, it had two offers on it, but I was afraid to open it, so I didn't.
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had a Quicksilver MasterCard issued by Capital One. I started to make my monthly payments as usual, but it got to the point were the payments were too high for me to handle. The credit card payments became an issue. It all led to them sending me to collection, even though I contacted them many times to resolve the issue. Now, the credit card shows a derogatory on my credit report. I did many follow-up calls, to see if this issue could be handle. This lead to nothing, and no one that could have a response for me.
Consumer complaint received 2021-12-04
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: Experian Information Solutions Inc. (NJ)

I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (PA)

I have a big issue with how my Ally account is being reported. The vehicle was totaled in early XX/XX/2020. At the time of the accident, I was current on my lease payments. My insurance company needed a " Letter of Guarantee '' from Ally in order to pay the claim in full. I expect they required such a letter to ensure they pay the correct amount to finalize my lease. On XX/XX/2020 Ally did do a Letter of Guarantee ( see attachment ). This letter instructed XXXX insurance to pay an amount of {$27000.00}. On XX/XX/2020, XXXX promptly paid Ally the {$27000.00} that was needed to finalize this lease ( see attachment ). Attachment 2 also shows that the {$27000.00} check status is " Cleared ''. But Ally held the payment for 15 days. My Ally Financial XXXX was paid exactly what Ally said was due in XX/XX/2020 and I should not have any balance, past due nor any derogatory credit payments or remarks such as charge-off on or after my XX/XX/2020 accident. Look at the attachments and it should be very clear that I own Ally NOTHING.
Consumer complaint received 2021-12-04
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: EQUIFAX, INC. (NJ)

I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One refused to release the payment that was made on my account stating the bank I used to make the payment was holding the funds. I confirmed with the bank and they stated that was not true and in fact I can even see that the money was deducted from my account as well as my bank can too. I called Capital One with the bank on the line to verify the information and Capital One stated they can not released the funds until the payment is confirmed. They will not even speak with the bank to even verify so it makes NO sense!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description with specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX : Inaccurately reporting credit card utilization. It is illegal to report transaction history. Please advise creditor to keep the account as open on my credit/consumer report, and to report the utilization as 0 % [ backdated to opening of account and for present and future use of the open ended credit account, as long as there is a contract in place ], per 16 CFR 313, 433.2 and 433.3.
Consumer complaint received 2021-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX  account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.
Consumer complaint received 2021-12-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX, XXXX, and Experian continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

OnXX/XX/2020 I received hard inquiry alerts from XXXX, XXXX  and equifax I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I received your response to my previous dispute via CFPB complaint number XXXX, and I still disagree with your investigation response and I am aware you did not complete a proper and full investigation which is defined by 15 usc 1681A ( e ) : investigative consumer reports federal Law ; which you admitted your guilt to violating in your response to the dispute. 

I have also attached your response to this letter as exhibit A. According to 15 usc 1681a ( e ) the only way to legally validate and investigate a consumer report is to to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer. In your response you stated that you verified the accounts through electronic communitcation with the creditors of me ; the consumer! No where is your reponse did you state that you conducted personal interviews whichs means ; YOU DID NOT INVESITAGE ITEMS LEGALLY! 

So for your negligence I demand you to re investigate the items listed below which still remain on my consumer report. If you can not validate these items properly and legally as defined by 15 usc 1681A ( e ) they must be deleted or updated per my request immediateley, without hesitation, or rebuttal. Also in regards to the late payments on the XXXX XXXX account, XXXX XXXX was not able to validate late payments and have updated payment history, How are you able to validate this account if they cant? this is false information and should be updated to paid as agreed. I have attached a copy of my consumer report with updated payment history labeled exhibit B.
Consumer complaint received 2021-12-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX, Equifax, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
Consumer complaint received 2021-05-25
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. (GA)

IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT
Consumer complaint received 2019-08-19
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. (IL)

Equifax and XXXX reported to my credit report without the following: hippa release form with my signature, who verified it, how they verified it, how they store their data, did they get the data from the original collector, proof of statue of limitations, the collectors right to collect in my state, license registered agent or agent of service on it from collection agencies(XXXX XXXX XXXX,  XXXX)   have sent several rounds of letters disputes to Equifax and XXXX they have repeatedly failed to delete these unverified accounts. These unverified accounts they have on file has hurt my ability to obtain credit. Under the FCRA, these unverified accounts must be removed immediately.Attached are responses from the collection agencies showing clearly a HIPPA Violation. They should not possess my medical info unless 100% verified of everything i've repeatedly asked for.XXXX XXXX XXXX  sent me a letter, and in the envelope there was a form with my signature on it with no letter head showing it came from the original furnisher. they are clearly violating my rights.Also attached documents from XXXX showing these same accounts deleted.
Consumer complaint received 2019-08-19
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX inserted this entry on my report without communicating with me.  I have not received a dunning letter or anything from them.  By law, prior to inserting this entry on my report, they should have communicated with me and allowed me 30 days to dispute the validity of what they are alleging.  I have retrieved my report numerous times over the last few months and they are still continuing to violate my consumer rights.  My communication with them in XX/XX/2019,  (see attached), of which I sent certified for the certified receipt proves they received my dispute letter; however, has not responded. To date, they have had almost 60 days to respond.  In my letter to them, I requested they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, provide the alleged account number, date this alleged debt became payable, original delinquency date, verification that the alleged debt was assigned or sold to collector as well as a complete accounting of alleged debt.  As previously mentioned, I have not received any response from this company.  To that end, this entry should be deleted from my report immediately.  XXXX XXXX XXXX XXXX are continually and blatantly reporting this entry and violating my consumer rights.
Consumer complaint received 2019-08-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (PA)

We were pre approved for XXXX$ by freedom mortgage on XX/XX/2019. 1 week before my closing date which was set for XX/XX/2019 they decided to wait to 2 weeks to tell us that the loan was not completed but if we go through the process that our new settlement would be XX/XX/XXXX. they were missing documents that our previous agent already had but did not forward to the new loan officer XXXX XXXX. They needed these documents because apparently we didnt have a loan at all and that we essentially needed to do the pre approval / loan over again as we were under the assumption this whole time that we were pre approved and granted the loan preparing to move in. That was not the case. My wife had to contact them to find all of this out at the last second. They claimed to have tried to contact us via phone, there number comes up as a scam also they never once called from a freedom mortgage line. Thankfully the sellers extended our closing date by a week. Throughout this whole extra time they stated we needed additional information and guaranteed us that once these items were cleared we were able to close. We have been very responsive in which any documents needed and promptly had it sent over. Freedom mortgage continued to push that it was "one thing than CD would be issued".  Another week passes and they (the sellers) grant us another week till closing. Again still no loan still no answers. The agent even sent over private information to the sellers agent without our approval. Now its XX/XX/2019 and now I have no pre approval, no home loan, and no house because I sold the previous one because I was PRE APPROVED. Had to go through atleast 6 agents including XXXX the VP of Sales, XXXX XXXX VP of Sales, XXXX XXXX, XXXX XXXX, XXXX XXXX not including the underwriter for this to happen and yet we were told me was "theres nothing we can do for you sir". We even asked if we do not approve this loan, what do we approve for. Again, they stated we do not qualify for anything. We have had complete disrespect. Not once did they acknowledge that I'm a veteran. We are a family of five with XXXX young children now homeless without a loan, lost our potential home, and yet nothing to assist from their mistake and misleading information. Please help as I wish for this not to happen to another veteran, we go through enough stress as it is.
Consumer complaint received 2017-12-22
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC. (OH)

To Whom It May Concern : Hello my name is XXXX XXXX and the reason for this letter is because I did business with XXXX XXXX. I pawn a ring few months back and I miss my final payment and the ring was surrender. So when call to ask about the ring they offer to sell back for difference price, then it supposed to be meaning it was 2 and half times more what it supposed to be, you only required to pay the amount of the interest and what you borrow from the company. The manager I was dealing with got very unprofessional because I was try explain the situation, I told her to show the policy that they can charge 2 and half of amount to buy back your product, she inform me that they dont have nothing that explain the policy.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$760.00}
Consumer complaint received 2022-04-28
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: United PanAm Financial Corp. (FL)

The Credit Bureaus stated Account Name & Account #, was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate. and the date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : 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.