davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

Experian is constantly saying that I need to verify my address. 
I have already verified it twice. I am trying to dispute items on my credit report, both by mail and on the phone, and I believe they are deliberately making it difficult for me. 
They also would not allow me to use item numbers to verify my claims, and made me dig up the report number of my credit report just to proceed on the phone. It is not a matter of security when I have to verify my address by mail over and over. 
I mailed a dispute letter certified, and it was delivered on XX/XX/XXXX, yet they claim they have not received it. I can prove it. 
I believe they are trying to stall me and waste even more of my time.
Consumer complaint received 2021-02-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

It has been nearly 3 months I have been trying to resolve an alleged disputed debt lease return issue with Infiniti Financial Services ( IFS ). I received my end of lease liability statement dated XX/XX/2020. Since then I contacted IFS many times, trying to reason with them, but they would not listen or even try to understand where I am coming from. Prior to my vehicle lease return, to have peace of mind that I would not be charged for any excessive wear and tear or any other damages unbeknownst to me, I took my vehicle to XXXX XXXX for visual inspection. The advisor assured me that everything was ok with my vehicle, and there would be no additional charges for excessive wear and tear. I asked him if he could give me something in writing, he said, they don't do it in writing, but I could take my car back any time and there would be no charges. With that in mind, I returned my vehicle. Shortly after, I received the lease end statement charging me for excess wear and use. This was such a shock that I called XXXX several times, explaining them that I DID take my vehicle for visual inspection to XXXX XXXX dealership, and they DID assure me that my vehicle was in good shape and no excess wear and tear was reported. IFS representatives were extremely rude to me on the phone. When I asked to talk to a supervisor, two of them simply hung up on me after a long hold time. The third one told me the supervisor was gone for the day. And I tried different days, at different times, with different representatives. And, like a rule, they all were rude to me, very unprofessional, very condescending and they talked to me like I was some crazy person, impatiently waiting to hang up rather than assist and understand where my frustration was coming from. I told them that I disputed the charges for excessive wear and tear. I told them I did my due diligence and received verbal ok by an advisor at the dealership prior to proceeding with my lease return. Wouldn't I rather fix any issues before returning my vehicle had I known in advance that I would be charged such excessive amount? What person in the right state of mind, especially during COVID, when I lost my job and I am struggling financially, trying to keep my family fed, would intentionally subject themselves to excessive wear and tear charges by ruthless corporations like IFS? 

I am broke, I can barely put bread on my table today, and XXXX is simply unlawfully trying to squeeze lease end bogus charges for alleged excessive wear and tear. Moreover, they are not cooperating, they are being rude and insulting on the phone, and they don't want to help resolve the issue of this alleged debt.
Consumer complaint received 2021-02-20
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: United Revenue Corporation (TX)

I disputed an account with XXXX, the account was reported by United Revenue Corp. for {$840.00}. XXXX sent me a result stating that this account was removed from my report, but it was not. I called XXXX  trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by United Revenue Corp . This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why XXXX first concluded it's investigation with a result of removal and then changed it to updated?
Consumer complaint received 2021-02-20
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. (TX)

I disputed an account with Experian, the account was reported by XXXX XXXX XXXX for {$840.00}. Experian sent me a result stating that this account was removed from my report, but it was not. I called Experian trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by XXXX XXXX XXXX. This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why Experian first concluded it's investigation with a result of removal and then changed it to updated?
Consumer complaint received 2021-02-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Recovery Services, Inc. (GA)

on XX/XX/2021, i sent QUALITY RECOVERY SERVICES, INC 2 letters to their main and corporate offices regarding the alleged debt of {$400.00} that i dont owe.it has been over 30 days since i sent the letters and neither office hasn't responded within the 30 days allowed by law.this inaccurate information is damaging my life and keeping me from getting things that i need.Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies
Consumer complaint received 2019-05-27
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. (HI)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I joined XXXX XXXX a while ago to monitor my credit as it was free to join. I was an XXXX XXXX XXXX for over three decades and I got a credit card in XXXX of XXXX. It's the only credit card I have. Because I have paid cash and own my property out right, I haven't needed any credit and just hit an Excellent rating a few weeks ago. 
On XX/XX/XXXX, I received a notice from XXXX XXXX that I had something in collections. I checked and it was a bill for {$350.00} and I knew nothing about it. Nothing was specified except a tree service. I have never ordered a tree service, never have received any written notice, and because of so many scams, I don't answer my phone unless I know the caller or viable message is left. Friends told me it was a scam, so I ignored it. Then today, XX/XX/XXXX, I got more credit card offers from XXXX XXXX, and saw that I didn't have an Excellent rating anymore, but a good rating, and that the collection notice now said I owed {$380.00}. 
A couple years ago, I went away for XXXX, and when I got back, someone had encroached on my property and cut down timber and ruined a thirty year project I had going. I got my lawyer, and settled out of court. Though what I got will not replace the tree 's or the damage. That's all I know about any work being done on my property. And it was settled. 
I have not given any permissions to cut tree 's or do work on my property. I have been home because of Covid-19. If any work has been done on my property, I was never notified and also have not received any bills. 
Before I pay {$300.00} an hour to a lawyer over something I know nothing about, I want to find out my options and I am checking to see if this is a scam and how to handle it. 
Like I said, I don't know who submitted the debt collection against me.
Consumer complaint received 2019-05-28
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. (IL)

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have submitted numerous requests, made numerous phone calls, and submitted documents to XXXX XXXX XXXX XXXX ( XXXX ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year. 

XXXX had added a XXXX XXXX XXXX ( XXXX  ) to my current XXXX XXXX. Which also took me making numerous of complaints, calls and document submissions to have it removed. The XXXX  is XXXX  excuse for reporting my loan 30 days late. The XXXX has since been refunded and the actual refund date was the same as the start date of the XXXX. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at XXXX ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect XXXX  would eventually reflect accurately as before the XXXX was added, as if it was never added. This has not happened. Again, XXXX was refunded but my account is still reporting 30 days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus. 

Only recently had my account been late due to unforeseen Family circumstances, but it has never been 30 DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with XXXX  is affecting my livelihood and career. As, I am XXXX and are due for my XXXX XXXX and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The stress and fear of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted numerous requests, made numerous phone calls, and submitted documents to XXXX XXXX XXXX XXXX ( XXXX ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year. 

XXXX had added a Collateral Protection Insurance ( CPI ) to my current Auto Loan. Which also took me making numerous of complaints, calls and document submissions to have it removed. The CPI is XXXX excuse for reporting my loan XXXX days late. The CPI has since been refunded and the actual refund date was the same as the start date of the CPI. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at XXXX ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect CPI would eventually reflect accurately as before the CPI was added, as if it was never added. This has not happened. Again, CPI was refunded but my account is still reporting XXXX days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus. 

Only recently had my account been late due to unforeseen Family circumstances, but it has never been XXXX DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with XXXX is affecting my livelihood and career. As, I am Military and are due for my Background/Clearance Review and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The stress and fear of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.
Consumer complaint received 2021-02-19
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: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/XXXX, CAINE & WEINER ( Opened XX/XX/XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX and XXXX actually works with me and does whatever in their power to try to resolve a problem whereas Transunion is very unprofessional in how they conduct business! They report Inaccurate information and claim it's " verified ''
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent a letter to SOURCE RECEIVABLES MANAGEMENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( SOURCE RECVB XXXX )
Consumer complaint received 2021-12-03
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. (CA)

Continue to experience incorrect information that is being reported on my credit report by Experian. This has been an ongoing issue for years. I submitted my credit report and have disputed the results ; as it shows ( XXXX ) account closed of which the company went out of business. However, I still had a balance which is paid faithfully every month. Experian has the account in a " Negative '' Account Activity status. I have also attached the Credit Report from Experian. I would like Experian to update the status to a Positive Account Activity. # XXXX Experian also has on my Credit Report five ( 5 ) Student Loans from ( XXXX  ) there is only XXXX main account # XXXX ; although, they show all XXXX on the report as " Open '' and they should be closed and removed as the school ( XXXX ) that I was attending closed due a loss of accreditation. Prior to the school closing I had applied for numerous loan forgiveness ; only to be charged higher interest rates and fees. I also completed and submitted the government school closure application, and ( XXXX  ) responded and the representatives also confirmed that I qualified for the student loan discharge. I have also filed a Consumer Complaint Against ( XXXX  ) with the Attorney General Office with the Department of Justice for their un-law practices and harassment. I would receive 7 to 10 calls daily, and the calls never stopped during the onset of the COVID Pandemic, they just increased. I would like to have Experian remove ( XXXXXXXX ) as negative and from the report. email : XXXX  Experian reports XXXX on my credit report and this account should be removed as this account was transferred to another lender XXXX. XXXX was sued by the former Attorney General XXXX XXXX for their unethical mortgage financing practices for fraudulent foreclosures and fees. I have filed a XXXX XXXX XXXX XXXX XXXX XXXX with the Attorney General XXXX Department of Justice to investigate XXXX and Experian as they have the ( XXXX ) XXXX Mortgage XXXX which is the new lender in a Negative Account Activity and the payments are current. See attachment Experian Credit Report. XXXX XXXX
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To whom it may concern : Hello, my name is XXXX XXXX, I would like to complain about the money transfer from the Bank of America. 

The money was sent from XXXX bank in XXXX to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX through the Bank of America as a correspondent bank  on XX/XX/2022, XXXX XXXX USD Reference XXXX  number is XXXX, TRANSACTION Bank of America REFERENCE NUMBER is XXXX SWIFT XXXX code : XXXX I have called the bank several times ( the attachments are included ) and send lots of e-mails using this info XXXX XXXX BOFA wire transfers dept XXXX XXXX XXXX XXXX Sanctions Team XXXX ext. XXXX XXXX Bofa compliance department XXXX ext. XXXX - nobody could assist, the answer is the same - as I am not the Bank of America account holder they cant help me, but BOFA hasnt answered my banks requests from XX/XX/XXXX th, 2022. 

The money and the source of income were checked in XXXX by XXXX security. 

The Bank of America asked an English version of the sales agreement, because the XXXX  one was not enough for them, the additional agreement was sent as well to the BOFA with all the necessary signatures and stamps very fast. 

All the previous transactions to the Turkish construction company was done properly and fast through XXXX XXXX. 

This is the first time I experience this situation, that without any reasons the Bank of America is keeping my money. The construction company is charging me penalty for each day of not paying, therefore I had to claim to CFPB, the registered number of my complaint is XXXX SUBMITTED ON XXXX https : //www.consumerfinance.gov/complaint/, XXXX XXXX Resolution XXXX XXXX XXXX  Bank of America XXXX XXXX XXXX XXXX XXXX XXXX doesnt reply, all my phones calls go directly to his voicemail. 

Best wishes, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX