davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX, I sent a letter to National Credit Adjusters ( NCA ) at XXXX XXXX XXXX XXXX, XXXX, KS XXXX requesting validation of a debt being reported by them to all three credit bureaus per Texas Finance Code Section 392.202. I specifically stated in the letter my requested action of deletion if they could not provide validation of the alleged debt in the 30 day time frame provided by Texas Finance Code Section 392.202.

Specifically written : Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) I received a return notice on XX/XX/XXXX stating that they could not complete an investigation in 30 days because it was not enough time and instead of deleting the tradelines as requested- THEY decided that I instead wanted to dispute the items - disregarding my specifically stated request in the first letter which is in line with TFC Sec. 392.202 ( d ) ( 1 ). So on XX/XX/XXXX all three credit bureaus were updated to incorrectly reflect a customer initiated dispute and have since reported incorrectly. 

On XX/XX/XXXX, I responded with the following via certified US Mail : In no section of the letter did I request a dispute but specifically I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt. This account was updated to report disputed status on all credit reporting agencies on XX/XX/XXXX, which is inaccurate because the account was never disputed. 

You responded that you would need more than 30 days to investigate because 30 days is seldom a sufficient amount of time for such research and investigation. Considering this information, I am requesting again a complete deletion of the tradeline on all three credit reporting agencies as I requested in the initial letter in accordance with Texas Finance Code Sec. 392.202. Subsection d. 

I appreciate your assistance in this matter. 

They signed the certified receipt on XX/XX/XXXX and still have not deleted the tradelines or provided any proof to validate the account. The account remains reported inaccurately. 

All correspondence is attached below.
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (NC)

I have not ever heard of XXXX XXXX, XXXX - via ABC Financial - phone XXXX. I 'm blocking their calls and putting out " Do Not Call '' advisory. 

I think this is a " collections '' call or a XXXX call - trying to get individuals to call back thinking something has been charged to their account. 

I 'm XXXX years - but, I 'm computer savvy. 

Message is from XXXX XXXX - XXXX ABC Financial - XXXX - XXXX I have not ever heard of them. 

XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

please advise on below. I was told I would hear back within 15 days and have been ignored again. bad customer service. why tell me I will get a response in 15 days if I wont? 
again where in the contract does it state you will price gauge me to use my fourth night free benefit?
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.
Consumer complaint received 2015-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OR)

Just assuming here; I called and paid off the old XXXX bill and they charged my account XXXX. Contacted XXXX and they had no record of being XXXX charged so they bank fixed it right up cause there was XXXX from XXXX. Now it still shows I owe then when I paid it off in XX/XX/XXXX. Honestly this company should not be in business if they can't keep accurate records.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I have opened, and AMEX have closed a dispute multiple times regarding a purchase at XXXX XXXX XXXX. Most recently I was asked for a complete timeline of what happened and I provided this but the dispute was then closed again stating that the timeline to make a return had passed. Makes no sense. 

The return period was in XXXX and I attempted to return in XX/XX/year> and you have all the supporting documentation. I was entitled to return the product and refused by the store. This is the perfect scenario for a dispute, but because it is XXXX you do not care and prefer to help XXXX. 
Customer buys something. Customer is entitled to return. Store refuses return in contradiction to their policy and XXXX XXXX law. Customer opens dispute and should receive a dispute. 

Charge XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, 2023 {$300.00} XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Card Member : XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

Im in the process of trying to buy a house. In the process of that It was brought to my attention that I have damages on my credit report. According to the 15 USC 1681 Law there should not be any damages on my credit report its defamation to my character
Consumer complaint received 2022-07-20
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$90.00} ; XXXXXXXX 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 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 2022-02-04
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. (AL)

Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.
Consumer complaint received 2022-07-20
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$90.00} ; XXXXXXXX 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 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 2022-02-04
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. (FL)

I had my credit report pulled today. I realized its still fraudulent accounts on my report. Ive sent in multiple dispute letters and ftc reports. It seems I must make a report to XXXX Attorney General office and FCRA or someone. Maybe I may need to reach out to the news. Please see attached Notarized FTC report and Identification. 

Following Accounts XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Department stores {$310.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-10-16
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 — Investigation took more than 30 days
Company: LoanCare, LLC (AZ)

We contacted our Lender about a refinance in XXXX of XXXX. They told us because of 2 previous late payments, we would need to apply for a modification instead. But to be approved for the modification, we must be 30 days late, but the late payments would be deleted upon approval. We didnt make our payment, and submitted the application. We still paid each month, but made sure it always was 30 days past due per their guidelines. What was supposed to be 45 day process turned into 7 months. Then they called us in XXXX telling us they " accidentally '' denied our application, but because it's different laws than a refi.. we would need to reapply and start the process over. We declined and immediately brought the loan current. I then for 4 months in a row disputed the required late payments, asking them to remove them from our credit, since it was what THEY required for the application process. They continually declined our requests to remove. 
On XX/XX/XXXX, I received a letter from them stating they had again received our dispute request to remove the late payments showing on our mortgage, from XX/XX/XXXX - XX/XX/XXXX. After not receiving any response I called in on XX/XX/XXXX, and was notified it was again denied. They then forwarded me a copy of the denial letter ( since we never received the denial letter by email or by mail ), which wasn't generated by them until XX/XX/XXXX. Outside of the 30 day FCRA guidelines. I then called them more than 15 times, letting them know they were over the 30 day limit, and now they were required by law to remove these late payments they were reporting. They STILL refuse to remove them. After dealing with this for over half the year now ... it was suggested I come to you for a resolution to get these removed, for not only their error in not responding within the required amount of time by the FCRA of 30 days, but for just not doing the right thing for their borrowers based on THEIR mistake and lies during our modification application process.
Consumer complaint received 2020-09-10
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. (NH)

Equifax is reporting the address of XXXX XXXX XXXX XXXX NH On my credit report and continues to break the law by keeping it on my credit report After many disputes through my online account with them and they are not providing information on where they are getting this information from which is required under federal And NH state laws. 

XXXX link proving XXXX XXXX XXXX doesnt exist XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX doesnt even exist as an address. Why is this address intentionally put on my credit file when its fraud and doesnt exist? 

Any response from equifax telling me to contact them via phone Is not a legal response. I have a online account with equifax. Any response stating telling me I can do a dispute via online is just retaliation, abuse and an admission to doing fraud and breaking the law. Iv already done many disputes about this address with equifax. 

Consumer financial protection bureau should not be in conflict not be in conflict of interest With any consumer reporting agency including but not limited to equifax, XXXX, XXXX and XXXX. Knowingly refusing to remove information that doesnt exist is a crime. Refusing to provide where information is coming from during investigations is a crime. Refusing to look at evidence that Iv provided with my complaint through the consumer protection bureau means your breaking the law. 

I video tape anything coming in the mail FYI. To prove mail fraud.
Consumer complaint received 2017-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (MO)

Received a letter in the mail from XXXX, XXXX XXXX XXXX offering a 65 % {$7400.00} settlement for a XXXX XXXX XXXXrom XXXX. On XXXX/XXXX/XXXX, I and my XXXX XXXX called and spoke with XXXX XXXX of XXXX and offered a settlement amount of {$2200.00} and she stated she would have to contact TD auto finance to get approval for that offer. My XXXX XXXX and I attempted to call TD auto finance directly to negotiate settlement with them ; spoke with XXXX XXXX and she stated that she could not negotiate settlements because the debt was under contract with XXXX and no one could speak with us concerning the account. By XXXX there was no follow up called to myself or my financial XXXX. XXXX was called on XXXX by my XXXX XXXX to follow up on the initial request and there has been no response from TD Auto Finance. My XXXX XXXX then proceeded to request for a XXXX cancellation of debt and she spoke with a supervisor, XXXX XXXX, and XXXX stated that she would let TD Auto Finance know of the request for the XXXX C and also try to follow up with a response for the initial settlement offer. XXXX was informed that I could pay the settlement offer of {$2200.00} immediately but has not received permission from TD Auto Finance to accept the payment. I called today on XXXX to follow up and stilXXXX XXXX has not heard back from TD Auto Finance. XXXX XXXXlso could not submit proof or documentation that a Right to Cure letter was sent to me, I did not know that I was able to negotiate any settlement before the XXXX was XXXX. I or my XXXX XXXX have contacted the collection agency XXXX on 3 different occasions to settle the debt but have been unsuccessful due to no response from TD Auto Finance.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Hello, This was added to my credit report in error of fraud. 
Please remove this immediately. 
Thank You XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Account Info Tap labels for more details Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2021 Account type Collection Paid off : XXXX  % Balance on XX/XX/2021 Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date
Consumer complaint received 2015-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Auto Finance refuses to remove credit history of an old account paid in 2011. After several Good Will Letters explaining what caused the late payments and the current need to have it removed. They have denied my request several times. 
Also after sending all pertinent information of where to send response they sent to an old address listed in 2011 which shows they did not even read my request showing all updated information. 
Please help. My wife and I are currently XXXX and need to buy a home with my son and his wife so that they can help take care of our XXXX needs.
Consumer complaint received 2022-07-20
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$90.00} ; XXXXXXXX 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 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 2020-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

On XX/XX/2020 I purchased a new oven from Lowes and paid an additional amount of {$160.00} for installation in case the oven did not fit and they had to cut out the space in order to fit the oven. I used our Lowes credit card for the purchase. Lowe 's indicated this amount would be refunded if not needed. When they installed it on XXXX/XXXX/2020 no " cut-outs '' were required therefore the installer indicated the amount would be refunded. I called Lowes at least 4 times to request this refund and they indicated they would address it and never did. Then I disputed the amount with the credit card company which is Synchrony bank and submitted the appropriate " Dispute Acknowledgement Form '' in XXXX of 2020. This was done on-line. To date I have had no response and followed up on XX/XX/2020, XXXX XXXX, 2020 and XXXX XXXX, 2020. I would like my refund that is due to me and a response from the financial institution.
Consumer complaint received 2017-01-06
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP (TX)

us bank calls me multiple times a day for my husbands debt. says they wont talk to me but continue to call be 5 to 6 times EVERY DAY! they will not stop even after my husband has explained to them when they will get paid ( he lost his job 3 mo ago and just started a new one this week )