davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TN)

I contacted Synchrony bank and notified and disputed the validity of a debt. It has been approximately 2 years the original dispute has not been resolved. I faxed and sent Synchrony Bank regarding an error that was made. My records showed that I was on active military duty. I was not and asked that the issue be resolved. To this day it has not been resolved instead a decision was not made and the account was charged off.
Consumer complaint received 2019-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX is reporting incorrectly a collection to XXXX ; Experian and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.
Consumer complaint received 2019-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (FL)

FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7., Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act.

If the contract includes a finance charge which is determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX  Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older.

( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities.

( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 

2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. 
By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.
Consumer complaint received 2020-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports/. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Barclays XXXX XXXX XXXX XXXX-ending in # XXXX Mailed check # XXXX for {$94.00}, from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The check was posted on XX/XX/XXXX. It was never credited to my account. I have talked to their customer service office about 7 different times. I have faxed a copy of the paid check, both front and back to 2 different numbers. The first one was to the customer service : XXXX and the second one to the comlaint department : XXXX. I have talked to managers each time to not avail. 
I received two different claim numbers : XXXX and XXXX. Each time I received a letter saying : We are unable to ccomplete your request at this time please contact us for additional details. I have done this each time. I was also told over the phone that nothing could be done. 
I have done everything they have asked me to do and nothing has been taken care of. There is a {$94.00} Provisional credit on my account, but the payment has not been credited. 
***I also made a bank transfer on XX/XX/XXXX which was credited. It was from XXXX XXXX XXXX XXXX. I did this because I did not want to pay interest. This was an entirely different payment. They have tried to tell me the first payment was credited, but it was not. 

I received another letter on XX/XX/XXXX, saying they could not complete my request. The paid check that I mailed them has the bank account and the bank my check was deposited in. 

They have basically told me that there is nothing they can do. My comment to them was that they have screwed me out of {$94.00}
Consumer complaint received 2019-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XXXX is reporting incorrectly a collection to Equifax ; XXXX and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
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. (CA)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (WA)

Complaint is against a Credit Card Company named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MO. ( XXXX XXXX ) I mistakenly made two payments on XX/XX/19 in amounts of {$750.00} and {$750.00} to payoff the card in whole. Credit card company accepted both payments and placed a lock on my card without notifying me and held the double payment without notifying me or placing a " credit '' of one of the payments on my account. I called their XXXX on XX/XX/19 that is when they told me they needed to validate the payments with my bank, thus we did a 3-way call with my bank. Afterwards I was told that my refund would be credited back to my bank within 7-10 business days and that the lock on my account would be lifted within a few hours of our call on XX/XX/19. 10-business days later I still have not received my refund for one of the payments and the lock on my account had not been lifted. I called their support again on XX/XX/19 ( 10-business days which included the XXXX Holiday, and they said they had a system error and the refund had not been submitted so they said they submitted it during our call and that it would be another 7-10 business days until I see the refund. I demanded this is unacceptable and that I wanted my refund immediately and if not received I will file a complaint with the CFPB and XXXX. They did lift the lock on my account on XX/XX/19 though.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Adjustment Bureau, Inc. (IA)

I sent a USPS certified mail/return receipt letter to Financial Adjustment Bureau XXXX XXXX XXXX, XXXX, IA XXXX, requesting a debt validation letter and to discuss the issue of the interest they were applying to this medical debt. 

Their response to this validation request is enclosed. I am not sure if their letter is sufficient enough to be construed as a debt validation letter. They included a convoluted statement from XXXX XXXX XXXX, but nothing that states XXXX XXXX XXXX acquired the services of XXXX XXXX XXXX to collect the debt. 

They stated " Under Iowa law, if interest is not specified in writing, it is allowed at a 5 % annual percentage rate at commences six months from date of charge. '' I went online under Iowa Interest rates laws and saw this, but it did not indicate this applies to medical debts. One website states " Whether a loan is to buy a car, a house, or just to pay the rent or other household expenses, '' but medical debts are not " loans. '' Also, in their letter they did not state what part of Iowa law they are referring to, such as chapter and sections, or any proof under Iowa law that this applies to collecting on old medical debt.
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

NMAC communicated I could buyout my lease upon expiration and provided a buyout amount on XX/XX/XXXX. A check in that amount was issued by my XXXX XXXX and received by XXXX on XX/XX/XXXX, but NMAC refused to cash because of an internal policy change, they claim, was not communicated to customers or the public. As a result, I was forced to revisit the dealership to prevent repossession of my car and buyout my lease for a higher price. 

Details can be found in my " complaint '' attached.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent in letters of Disputes Ive called them many times I explain the situation to no avail they sent me letters Stating Information is accurate this account is not open its closed account they are reporting wrong Information on my credit report well as the Response letters they sent me stating its open account which is wrong this account is five years old XXXX is reporting closed account TransUnion is Reporting open account
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have never lived at these properties XXXX XXXX XXXX XXXX. Pa.XXXX XXXX XXXX XXXX XXXX XXXX. Pa. XXXX XXXX XXXX XXXX XXXX. Pa. XXXX How do I get this removed from my report????
Consumer complaint received 2022-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: BLINCLOANS, INC. (MD)

I've been a customer of XXXX for a 1 year now. I had a total of refinance 's with oneblinc maybe 3 or 4, I paid off one loan completely through my Federal Government payroll every two weeks. 

They don't explain the high interest rates, they'll be charging you before you apply ahead of time for a loan. My last refinance was XX/XX/2021 the last balance update shows {$3600.00}. 

Here 's my problem the last time XXXX updated all 3 of credit reporting agencies was XX/XX/2021, the balance shows {$4900.00}, but on my account it shows {$3600.00} as the refinance which was completed on XX/XX/2021. I'm confused how they operate. XXXX gets a total XXXX, that's biweekly from my Federal Government paycheck that's is {$90.00} biweekly. 

Truthly I feel the company isn't being honest with posting my correct balance. 

I requested an audit of my account they haven't provided it too me. I need to know if my balances are correct. They need to update all 3 of the credit Bureau agencies, with the correct updates. They skips months of updating the my credit reporting. 

That doesn't look good on XXXX. I feel like I can't trust them.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-05
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. (TX)

XXXX, TRANSUNION, and XXXX  continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
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. (IL)

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2019-11-16
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. (AZ)

On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by XXXX XXXX XXXX. on XX/XX/XXXX including my account. 
My complaint now rests with XXXX XXXX XXXX.
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (RI)

I paid off a debt in the amount of {XXXX} in full that I owed to XXXX XXXX on XX/XX/XXXX using debit card number ending in XXXX. Confirmation number XXXX was provided for the payment. Additionally, the payment posted to my account on XX/XX/XXXX Mccarthy Burgess advised that I would receive a receipt for the payment for my records shortly after making payment. I made an additional call around 10 business days later asking for the letter in which they advised that I was provided the wrong timeframe on the phone and advised a receipt would be mailed to me. I am here in XXXX still awaiting the receipt that allegedly be emailed to me. It is important to mention that my credit report shows XXXX XXXX transferred the debt and charged off as a loss. No where on my credit bureau does it show that the debt was paid. I need proof that the debt has been paid in full and issues with the credit bureau corrected. If the later issue needs to be resolved with XXXX XXXX  please respond in writing so I may dispute with XXXX