davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have informed all 3 credit bureau 's XXXX, Equifax, and XXXX  that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.
Consumer complaint received 2019-11-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Financial Service LLC (Idaho) (ID)

Advantage financial services LLC located in XXXX Idaho has three medical accounts in collections. 
None of these accounts are suppose to have interest or late payments, when I contacted AFS to resolve the issue. 
The employees there said that I don't know what I'm talking about, that they can change interest if they want to, and that it's my own fault for being irresponsible for my debt. 
The staff yell, threaten, and are very inappropriate.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

My wife and I have a credit card with Citi card. We just realized that we were being charged for their " payment safeguard '' program, which they applied to our card in 2005 without ever notifying or asking permission. This is supposed to be an optional program, yet they were able to leach thousands of dollars from us before we knew. We cancelled it immediately and requested a refund for the services we never received or even approved. They claim we agreed to it over the phone, but can produce no record of it. We've been desperately trying to pay off our balance and I feel their company has been stealing from us the whole time and essentially making it impossible for us to get out of debt. They also claim the point of the safeguard feature is to protect you from late fees if you miss payments due to hardship, which I have and still had to pay extra fines. The whole process seems completely illegal to me and I believe we deserve to have that money credited back to our account and applied to our substantial balance that we are still paying.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a Bank of America Merrill Plus Visa Credit Card for years until XX/XX/2019, when this card was suddenly closed by Bank of America without my authorization or even my awareness at all. When this card was closed, I still had XXXX reward points available in my credit card account. Before my card was closed, I never received any prior notification from Bank of American that my card will be closed. Even when the card was closed by Bank of America , Bank of America never notified me this card closure either. 

Two weeks ago, when I was to trying to log into my online account, I found that my card was already closed by Bank of America. Then I called BOA credit card customer service and was told that my card was already closed by BOA in XXXX. However, I didn't even get chance to use my XXXX rewards points before the card was closed. Although in the end of this call, BOA customer service representative let me redeem my reward points for XXXX and XXXX gift cards. However, redeeming points for gift cards made me lose significant value of the points, because the points worth much higher value if I redeem them for air ticket reservations. But unfortunately, BOA customer service representative told me that I can not reactivate this closed credit card and I can not redeem the points for air tickets either. The only redemption option that she offered me was to redeem points for gift cards, which made me lose about 50 % of the point value. 

Since Bank of America closed my credit card without my pre-authorization or even any prior notification, I didn't get any chance to redeem my XXXX rewards points for more valuable air tickets. I must request Bank of America to compensate me at least {$300.00} for the lost value of my reward points. I lost about {$530.00} value for my XXXX rewards points because the air ticket if redeemed can worth XXXX cents/point but the redeemed gift card only worth XXXX cent/point. Now I only request BOA to compensate me {$300.00}, which I believe is a very fair and reasonable resolution. 

Again, I request Bank of America to compensate me {$300.00} for my lost rewards point value and mail the {$300.00} check to my address.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

WE WERE WORKING WITH THE LENDER TO DO A LOAN MODIFICATION - SENDING DOCS BACK AND FORTH - WE HIRED SOMEONE TO OVERSEE THE PROCESS - AN INDEPENDANT INDIVIDUAL NOT A LAWYER AND HE FAILED US - DURING THE LOAN MOD PROCESS, WE HAD JUST SENT THEM DOCS THEY REQUESTED - THE NEXT THING WE KNEW THE HOUSE HAD A FORECLOSURE NOTICE ON IT. I WAS IN MEDICAL SCHOOL AT THE TIME AND HAD NO TIME OR RESOURCES TO DEAL WITH THIS, BUT I DO NOW THAT I KNOW YOUR ORGANIZATION EXISTS.
Consumer complaint received 2020-06-29
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: CAINE & WEINER COMPANY, INC. (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor or had any affiliation with XXXX XXXX and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2020-06-29
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. (AL)

I am contacting you again because I filed a complaint about TransUnion on XX/XX/20 complaint number XXXX letting them know that These accounts listed on my credit report are fraud. I have explained to TransUnion representatives several times but they continue to report Fraud accounts. The accounts for Division of Child Support, XXXX XXXX, XXXX, and XXXX XXXX are not mine. I have not received anything from these companies & did not give them my information to open any accounts. This stuff does is all FRAUD. 
They responded with We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 
I submitted this complaint for this same reason they never do anything to get issues resolved as of today XX/XX/20 they are still reporting these accounts. I am asking again to please delete these accounts from my credit report.
Consumer complaint received 2020-03-31
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: Yamaha Motor Finance Corporation USA (FL)

In mid XX/XX/2020 I paid off my Yamaha boat loan with Yamaha Financial Services. The balance was roughly {$27000.00} and they said they would mail me the title. It has been over 60 days and they have not mailed me the title nor have they sent me a lien satisfaction letter so I can request a title from the DMV.

I have called them over 12 times and each time they tell me they tell me they will mail me the title. I have spoken to many associates and XXXX is the manager involved. XXXX has always promised me a call back within 1-2 days and he has never called me back, not once, to update me on my title.

Yamaha is fraudulently holding my title and refusing to give me the title. I paid off the title so I can sell the boat. In this financial crisis I am in need of money and Yamaha should provide me with my title. They are restricting the ability for me to support my family as income has gone down.

Account # at Yamaha XXXX
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have filed complaints with XXXX  and other credit reporting agencies regarding two OLD accounts with USAA Savings Bank regarding ongoing delinquent reporting that brings my credit score down every month. USAA Savings Bank continues to report late payments on these two accounts that were closed in XXXX - five years ago. The joint accounts with my ex husband were charged up by him during our divorce in XXXX, then he filed Chapter XXXX bankruptcy, discharged on XX/XX/XXXX. USAA Savings Bank then discharged the debt, but continues to report late payments on my account each and every month. There is NO balance, there are NO payments due ...
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

I used AMEX to purchase trip for my daughter and the company did not provide the service they were required and promised. Amex was supposed to protect my rights as a consumer. XXXX, card member service supervisor and she informed me that they closed the dispute without obtaining any of the info i submitted.
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


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 DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX XXXX : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX   XXXX  : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX./XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX , XXXX. : XX/XX/XXXX XXXX XXXX., XXXX XXXX : XX/XX/XXXX XXXX XXXX & : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I had 1 credit card with XXXX XXXX XXXX account ( as an authorized user ). Experian reported it. Account opened XXXX, still open. Experian deleted the account after the 2nd half of XX/XX/XXXX without a valid reason. They refuse to reinstate and lie stating reasons that don't exist or they try to blame it on Transunion and/or XXXX who BOTH report it correctly which Experian has been told numerous times. Experian mistakingly deleted the account the 2nd half of XX/XX/XXXX after I was a victim of identity fraud in XXXX. I have disputed this mistaken deletion of the XXXX XXXX XXXX Credit Card by fax, by postal mail, and on the phone as well, asking them over and over to put the account back because it is validly mine ( I'm an authorized user and the account is on same address, never late, same address since XXXX never moved, never anything that would make this account suspicious ). On the XX/XX/XXXX phonecall, I was confirmed of the dispute, and the account was said to be reinstated immediately. Report Number : XXXX Date Generated : XX/XX/XXXX Your dispute results are currently not available online ). It is the only dispute in the account. The mail and fax disputes are not there. After numerous emails with proof to Experian and XXXX XXXX XXXX  monthly, the account is NOT reinstated. It has been over 4 months. Experian 's nonsense responses vary from saying start a new dispute, to saying go to other credit bureaus, to saying they don't have any dispute information, to starting a new dispute again, to calling again, to mailing through postal again, to saying we don't report this creditor ( but they deleted it ), and never do they acknowledge the existing disputes methods, not the 1 dispute that is online, nor do they look at the proof by XXXX XXXX XXXX letter stating it is indeed my ( authorized ) account. COVID makes calling impossible, very hard to reach before COVID as well and since they don't do what they say on there anyway, I don't wish to call. 
XXXX XXXX XXXX contact XXXX XXXX XXXX ADDITIONALLY, delete all names that were used in the identity fraudulent ( see the Identity Theft Report ). Experian states I used these in applications but those were fraudulent applications so the names used should be deleted accordingly. The rest was already deleted ( fraudulent hard inquiries, fraudulent phone number, fraudulent zipcode ).
Consumer complaint received 2019-11-17
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. (IN)

I have reached out to the bureaus on several occasions in regards to the vehicle reporting on my credit reports causing me harm that i do not need. NOBODY seems to have an answer of to why a vehicle im not associated with or a vehicle I have no recollection on is in my name and or reporting. XXXX XXXX is reporting a vehicle that isnt mines on my credit report, it was done without my consent and without my knowledge. They are reporting a XXXX XXXX XXXX that has been illegally attached to me. Find out who did this and send me documentation that was used to open the loan as well as signatures. Please delete this so I can move forward with my future endeavors.
Consumer complaint received 2020-06-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. CALIFORNIA XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Consumer complaint received 2019-11-18
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)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX/XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX XXXX : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX   XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX./XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & : XX/XX/XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX IXXXX : XX/XX/XXXX
Consumer complaint received 2019-11-18
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: Experian Information Solutions Inc. (MS)

I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. XXXX score of XXXX, Experian score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian XXXX XXXX and XXXX all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (PA)

I am lodging a formal complaint against receivables management. This debt collector has reported derogatory information on my credit reports for a debt that I have no knowledge of having I have sent this company numerous letters with request for debt validation, not verification but they continue to ignore my request. They have also violated the fcra by not sending me a dunning notice in the mail. The debt is for {$320.00} and this has been going on since XX/XX/2018. I am in the process of purchasing my very first home and this errounous account is holding my family and I back. I am requesting immediate deletion of this account from my reports so I can move forward in life and provide a home for my kids. Thank you for your time.
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (NC)

I paid a collection off with fortivia the beginning of this year. They sent me a letter in the mail to pay the collection in full for a discounted price of XXXX dollars. I paid the amount in full and the collection was never updated in my account as paid in full but instead of charge off which isnt the same. This particular incorrect data has stopped me from getting a new credit card from my new bank in the state of north carolina.
Consumer complaint received 2019-11-18
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.