davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BB&T CORPORATION (TX)

I had an auto loan with XXXX XXXX. I paid on time never late. THE CAR WAS TOTALED. I HAD INSURANCE AS WELL AS GAP. I FILED EVERY CLAIM AND DID EVERYTHING I'M REQUIRED TO DO. I KEPT CALLING THEM AND THEY STALLED FOR MONTHS ON THE GAP INSURANCE. THEY KEPT ASSURING ME THAT THEY WERE WORKING ON IT AND EVERYTHING WAS FINE. NOW THEY PUT 30 DAY LATE PAYMENT ON MY CREDIT AND STATED BECAUSE IT TOOK SO MUCH TIME THEY ARE NOT DOING THE GAP. 
THIS WAS THEIR FAULT NOT MINE. THIS IS WRONG PLEASE HELP ME WITH THIS INJUSTICE
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assurance Professionals LLC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

I have a CITICARD CBNA card with my brother. The account has been paid in full and CITICARD has notified the appropriate credit bureaus that the account has been paid in full, but only on my brother 's credit bureau accounts. The account has been paid in full for some time now. On my credit reports CITICARD CBNA are still reporting a balance of {$1100.00} with a limit of {$5900.00}. I am trying to obain a mortgage but this account and XXXX  are negatively impacting my ability to obtain that mortgage.
Consumer complaint received 2019-12-19
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: Aqua Finance, Inc. (MI)

Purchased a walk in tub in XX/XX/XXXX. In XXXX, XXXX, the heated back and hydrotherapy functions stopped working. I called for service. Between that date and XX/XX/XXXX, I called for three service calls. The final time was XX/XX/XXXX. I got no response and I sent a letter to XXXX XXXX notifying them that under the terms of the credit agreement I signed I would make no further payments until the tub was either fixed or replaced, preferably replaced. On XX/XX/XXXX, a repairman came out for another service call. On XX/XX/XXXX, someone from XXXX called demanding I set up payments by phone to cover a missed payment from a year ago as well as my XXXX payment. He proceeded to tell me that I could not withhold payments due to dissatisfaction with my tub because this was not a credit card purchase ( unlike I had been told by several other people in discussions on the phone ) and that if I didn't make this payment and a half on XX/XX/XXXX it would go against my credit and go into collections. If I refused to make payments at all because I was " unhappy with my purchase '' and it went to 120 days out, XXXX and XXXX XXXX XXXX would sue me. I had signed a secured consumer contract and was responsible ( with my husband, who I am now divorced from ) for payment. He then went in and pulled a credit report and started reading off to me all my accounts and telling me that I was paid up on all of my other accounts, and he didn't see why- if I was current on everything else- I wasn't able to catch up and pay my XXXX bill current. He even went so far as to ask 1 ) If I couldn't ask my auto loan company to wait a month so I could use the money from that to pay XXXX and 2 ) Knowing that I am now divorced
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

This report is in regards to Navient. Students who have loans in 'In School ' or 'No Payment Due ' status aka 'Deferment ', are unable to set up or continue making payments using the 'Auto Pay ' feature. In my specific case, I was between schools and decided to set up 'Auto Pay ' in order to keep up with the payments. Once I returned to school to pursue my XXXX degree, the automatic payments stopped without notice. I have called and emailed to gain clarification on why I can not set this up, but to me, it seems like it was created this way by design. I was advised to log in and make payments manually, which for students such as myself with a number of separate direct loans, is not an easy task. 

The website states : " In general, a loan that is not in active repayment status is ineligible for Auto Pay.This includes loans in deferment or forbearance, if you are in school or in grace, and loans that are already enrolled in Auto Pay by someone else, such as a cosigner or endorser. '' I can not feasibly see how this would do any justice for students trying to make even interest payments on their loans- which the website does not even list on the 'make a payment ' page.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I received a called from XXXX XXXX XXXX stating that there were deposit from her account to my account of XXXX and she told me to please sent back the money and I did. Seen them well Fargo paid XXXX XXXX from my account because she was a victim of a fraud, I never got reimbursed for my money and now my account it overdrawn and closed. 

XXXX XXXX XXXX XXXX Complaint Number XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (FL)

I was hospitalized after a XXXX accident. I had {$35000.00} worth of bills. At the time I had medicaid share of cost of {$300.00}. Being that my bills were way over {$300.00} my share of cost turned into full coverage. the hospital billed and got paid for all my bills but for whatever reason the hospital left out XXXX bill of {$1700.00}. I called the hospital many times and they said they would bill my insurance however they did not. It was than sent to central financial control a collection agency. I told the reps many time to please bill my insurance and each time they tell me they see the info in my notes but dont know why it was never billed. Months later I find out that they put the bills on all my XXXX credit reports.
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NC)

Ally Financial has validated my consumer right to rescind my auto loan. I have sent several letters explaining that I am exercising my right to rescind the auto contract. I was never told about my right rescind from the binging of the contract. I was never giving any information or had anything explained about a right to rescind. I even emailed an associate XXXX who has been responding to my letters. After further looking into my contrast I noticed a lot of mistakes on my paper work. At the time I was not knowledgeable about auto contracts and as a consumer it seems as if the dealership and Ally Financial has been taking advantage of me the consumer. The only thing that as been address is the finance part of my contract but not any of my other issues with Ally Financial. On my original paper work there are no signatures from Ally Financial or the XXXX. As I explained to XXXX XXXX since I was never giving any information about my right to rescinded and adding a downpayment to the transaction went against XXXX. I even sent XXXX XXXX emails of the contracts that were not signed and still the company is refusing my right to rescind. As a consumer I have rights. It states on my bill of sale that if an XXXX XXXX  signature is not present the contract is not binding. So why is that not beginning addressed and why is my rights as a consumer beginning ignored.
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am the victim of idenity theft. I have disputed fraudulent accounts on my consumer credit report from XXXX Trans Union and XXXX. The continue to report the fraudlulent information on my reports. They are also reporting the wrong date of birth on my credit report. I have submitted a copy of my driver 's license and ss card to verify my identity and each bureau still report wrong information. They also continue to report fraudulent information after I have disputed it multiple times.
Consumer complaint received 2019-12-19
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. (GA)

I have been trying to dispute these items on my own with the companies but i havent had any success.Please delete and block these two accounts for my credit report : XXXX XXXX XXXX {$3400.00} XXXX XXXX {$1200.00}
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed the incorrect on my credit report. Transunion has refused to research the dispute, the dispute is also involved with an Bank complaint with cfpb # XXXX & XXXX. I provided Transunion with the information but, the company refused to research the cfpb information and the letters from the company.
Consumer complaint received 2019-12-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LDF Holdings, LLC (SC)

I have a debt that is owed to Availblue loans, which is currently under dispute. This company notified my on XXXX that my account had been removed from revenue reporting services. I am disputing that availblue had the right to lend to me because they are not a legal lender in south carolina. They emailed me back stating that south carolina law did not apply to them and they would continue to collect on the loan. They gave an address to mail a formal dispute letter which I have done as of the end of XXXX. I have not gotten a response but I did receive a call from XXXX XXXX XXXX at my workplace today. I have previously been told by XXXX XXXX that they had a cease and desist order on my account, and by availablue that they had retracted my account.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TN)

Jefferson Capital agreed to cease collection activity on the XXXX XXXX account as well as REMOVE the entry in its entirety from all three of my credit reports. Upon checking my reports, Jefferson Capital did not delete the entry as promised. They just changed the account to " current '' and then listed " charged off as bad debt '' in the comments.
Consumer complaint received 2016-12-03
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Ad Astra Recovery Services Inc (LA)

Collections agency was giving the wrong information from the payday loan company about how have the transaction was issue. and the date was inaccurate there was no transaction issued on those dates. After sending bank statements of how transactions was issued and paid back through my bank account. XXXX investigated and sent the results back stating that this account have been deleted from my credit file. I 'm asking for the same results from the other credit bureaus XXXX and XXXX to delete this account that been giving the wrong dates and information to them. Account # XXXX. Asking XXXX to notify all credit Bureaus of this result immediately as XX/XX/2016.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I paid my card down I got s credit for a late charge the infirmation you have as og XXXX XXXX th is not correct. My credit card thru bank of Americe was reported to you as of XXXX XXXX but is not updated on the XXXX XXXX XXXX report it does not reflect correct balance and does not shown payments made or credit adjustments. Please call me at XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This complaint is to inform the CFPB that Equifax has failed in conducting a reasonable investigation in regards to an illegal account placed on my credit file. XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have included documents that show the above account was purchased from XXXX XXXX XXXX XXXX  and re-aged from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
According to the FCRA Section XXXX ( a ) ( XXXX ). The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. 
Duties After Notice of Dispute from XXXX XXXX XXXX According to the FCRA XXXX and Reasonable Procedures When a CRA prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Reasonable procedures do not require XXXX XXXX  accuracy because : If an inaccurate item has appeared on a consumer report, that alone is insufficient for an FCRA violation. 
According to the strict liability statute, an inaccuracy alone is not enough for an FCRA violation. 
There is a threshold requirement for a claim which must prove : inaccuracy, failure to follow reasonable procedures, an injury, and that the injury was caused by the inaccuracy. 
To claim inaccuracy, there are several conditions :
Consumer complaint received 2022-08-04
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (LA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.