davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$8900.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I signed up for a Care Credit account via Synchrony Bank in order to utilize it for medical expenses, mainly for the eye doctor. I was initially on autopay, but began manually making payments after a while. I was consistent for quite some time and realized that my balances were barely moving after 6 months. I started noticing outrageous interest rates and ridiculous miscellaneous charges. Still, I continued making my payments. Three weeks ago, after making a payment, I misplaced my debit card used for the account. This caused a chargeback. I called customer service and was told about the chargeback, causing me to promptly update my card information. Due to an issue with my zip code, the payment was charged back a second time and a late fee was added. I then made an ACH payment to ensure that there would be no more issue with my payment and it went through. My account was once again in good standing. This morning, XXXX emailed me about a closed account. Lo and behold, it was CareCredit. I contacted them through their live chat only to be told that their company cancels accounts that receive two chargebacks within a 24 month period. When the representative asked if she could help me any other way, I explained that this policy was never communicated during the process and should have be reiterated when I first spoke with customer service after the first chargeback. She in turn says have a nice day and ends communication with me. Worst experience Ive EVER had with a creditor.
Consumer complaint received 2020-07-06
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 {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$160.00} -This is not my account.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

My Name Is XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and XXXX/XXXX  provider to which I owe the debt and a detailed breakdown of the fees that I owe. The COLLECTIONS NAMES ARE XXXX XXXX THE FIRST AMOUNT OF XXXX $ THE OTHER AMOUNT IS XXXX $ Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (MO)

American express violated the cares act. Reoorted my card late during.the covid.19.time.frame.I was affected XXXX to XXXX.i.had.informed them.that we were under a stay at home.order an they said.they would waive late fees an.give forberence on payments but.interest would incurr. They charged.late fees an repoerted neg late.to.the bureaus. I.owed XXXX my BilL XX/XX/XXXX was for.XXXX I paid XXXX an once I made that payment they cancelled my card an.closed my.account with no notice. They have slanderd my credit.an. person.tthey they violated the cares act.
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke to a representative on XX/XX/XXXX. He said he was calling from capital one. They've been calling me since XX/XX/XXXX. They call me several times a day. While I'm in school. I told him that I'm a XXXX XXXX with no job but I was going to pay on XX/XX/XXXX. I told them to stop the calls. He told me that it was impossible. They were going to wait a week and if the debt wasn't paid they will call again. I have been getting about 5 calls a day since then.
Consumer complaint received 2021-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I've been paying off this loan now for 14 years my grandson agreed with Sally Mae and they have changed to so many different companies giving me the run-around as of now it's navient to go to XXXX University. I've paid over XXXX in student loans and it seems I'll never have this paid off with the interest they have racked on this loan. I've asked for help and this has put me in the biggest hole of my life I'm XXXX years old and need help but no one will help me.
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: BMW Financial Services NA, LLC (NY)

My complaint is against BMW of the XXXX XXXX in XXXX XXXX New York. I feel I was swindled out of my cars that I traded in to purchase another car, One was a XXXX XXXX with XXXX miles on it, and the second was a XXXX XXXX XXXX ( which was my Daughters car ) and it also had a low mileage. However, By misleading advertising and showing me copies of other cars that were going for that price .... ( scamming ) but it was a figfetent car, and werent my car I wasput under stress with two people tryigtoconvince me theywere doingme a great service ..., and they did this to convince me that what they were offering me was the correct price. I didnt recognize the problem until after I made the purchase and I have not been able to communicate with them. They are refusing to answer my phone calls and to set up a meeting to discuss this issue. I have the documents that show the price of the cars that I sold to them well way undervalued. They sold me a car for {$41000.00}. Yet they gave me {$14000.00} for a XXXX  that was only 2 years old, and I paid almost XXXX when I purchased it for my daughter. 
I was showed a false advertisement of another car that value was that amounts. Which they put off on me as if it was my car. They still have it on all mystatements as a XXXX XXXX XXXX, with over XXXX miles on it. And thats where they came up with that number. I was confused, I was rushed, I didnt read everything through because of the pressure I felt I was under. And when I went back to swap back out the deal they refused to even speak to me at that point. I felt I was scammed, swindled, information was ' mis represented t to me. Yet I feel now they are avoiding and ignoring me and refusing to discuss it. So I have tried everything to settle this matter I still have the car I wanted to back out the deal with ; the XXXX. They refused to speak with me in regards to this. So Im asking you for help ... XXXX XXXX telephone number XXXX.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-01-03
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: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX I purchased a XXXX XXXX XXXX and KIA MOTORS FINANCE provided the loan for the vehicle. 

On XX/XX/XXXX I traded in the XXXX XXXX and XXXX paid off that loan, the loan was then closed and a refund of {$21.00} was mailed out. 

On XX/XX/XXXX I received my annual XXXX bonus and I did not realize that my bank still had it set to send a large payment of {$5000.00} to KIA MOTORS FINANCE to pay down on my loan. I forgot to cancel the scheduled payment to KIA MOTORS FINANCE when I traded in the XXXX XXXX. 

On XX/XX/XXXX KIA MOTORS FINANCE received the payment, which as my bank advised me could not be reversed. I immediately called KIA MOTORS FINANCE so they could immediately process the refund and was advised that it would normally take XXXX business days to refund me but the customer service representative emailed the payment processing department to immediately refund me. 

On XX/XX/XXXX I again called KIA MOTORS FINANCE for a status update on my refund of the {$5000.00} and was told by everyone I spoke to that it would take 30 business days to refund me and there is nothing they can do. 

{$5000.00} is a LOT of money to be out. They're HOLDING on to MY money. My KIA MOTORS FINANCE account was closed out on XX/XX/XXXX with a ZERO balance. So how can they hold on to MY money?
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TN)

On XX/XX/2022 I sent a debt validation letter to Paramount Recovery via certified mail requesting that the company validate a collection account. As of XX/XX/2022 I have not received any correspondence from the company validating the debt that is currently listed on my credit report.
Consumer complaint received 2020-05-06
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. COLLECTIONS XXXX {$300.00} COLLECTIONS XXXX {$290.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$76.00} XXXX XXXX {$570.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$420.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$12.00} XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/XXXX I called TD Bank to stop a payment being sent to XXXX XXXX XXXX because I had already paid XXXX  through their Web service. I waited 30 minutes to talk to a customer service representative and then another 30 minutes to speak to the Bill Pay service customer service representative. The representative proceeded to tell me there would be a fee to stop the payment, despite the fact that I have a Beyond Checking account with specifies the fee is waived for stopping Bill Pay payments for this type of account. The representative told me I needed to maintain a daily balance or have a certain amount of money across accounts, despite the fact that I receive more than 5,000 dollars in deposits per month every month, and this fact is irrelevant as the type of account I have ( Beyond Checking ) waives stop payment fees regardless of these factors. It is egregious for TD Bank to state that I need to pay a fee for a service that the bank states is free. The customer service representative then stated she needed to speak to her manager and hung up the phone on me, after I had waited for a total of an hour to speak to someone regarding this matter.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (NY)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 
I am requesting that the item be removed or updated to reflect the correct the information. 

Your Company has refused to properly investigate these accounts by saying these are actual fact, when they are NOT. 

XXXX XXXX XXXX XXXX is not my account and needs to be REMOVED IMMEDIATELY
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

Should be good credit. Am denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Name : XXXX  XXXX XXXX Amount : {$590.00} Date opened : XX/XX/XXXX Status Date : XX/XX/XXXX On various occasions I have reached out to EXPERIAN CREDIT REPORTING AGENCY, to remove this inaccurate and fraudulent account of my credit report. Which they did and later reinserted it to my report. I contacted experian again via phone call on XX/XX/XXXX and a letter but they refused to reinvestigate. 

Also they violated my right by the FCRA by refusing to notify me in writing why the negative item was reinserted with 30days and also till date I havent gotten a letter from experian.

They took over 120points from my credit and are still reporting this fraudulent account and a supposed charged-off account since XXXX on a month to month basis on my report.. 

NB : I have written over 4 letters to Experian concerning this account and 3 phone calls.
Consumer complaint received 2019-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

I made a purchase on XXXX for portable air conditioner. I provided my debit card number to the merchant for the purchase. I did not have to provide my PIN number using the card for the purchase. Within a couple days I realized that it was a fraudulent website and disputed the transaction with Associated Bank. I also got a replacement card in the event the merchant tried charging my card again. I received a letter from Associated bank indicating that since I authorized the charge by providing my information there was nothing that could be done even though I explained that I found numerous other shell sites with the same basic format. Accociated bank provided me with the business contact information for the charge but had never investigated the transaction details to realize the phone number was a fake number. I have never received my product or a credit from my bank since XXXX.
Consumer complaint received 2021-06-03
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. (GA)

Hello i was looking though my credit report and i no idea where Theses inquiries came from. I went to the dealership with my loan that I got from the credit union and I did not give them permission to run my credit for a car that I was going to purchase because I was using my credit Union company and they used my credit without my permission. I was already approved for a loan though my credit Union it is now On my credit and I will like for it to be removed for improper used or credit. I dont recall giving them permission to pull my credit
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (FL)

XXXX XXXX XXXX C/O XXXX XXXX XXXX Ref ID : XXXX Account # XXXX XXXX XXXX, XXXX C/O Credit Controll, LLC Our account # XXXX Original account # XXXX I sent a dispute request to each of the 3 credit bureaus in XXXX of 2019 for validation of an account discovered on my credit reports, with XXXX XXXX XXXX. After receiving a notification from the credit bureaus explaining that the account was validated, I contact the 3 bureaus to find out what evidence was used in the investigation and if I could obtain copies. Each of the bureaus explained that documented evidence was not provided and is not required for the bureau to obtain. I was then referred to the organization reporting the account to the bureaus. 
On XX/XX/2019, I mailed a letter to XXXX XXXX, XXXX requesting valid proof that I authorized and/or agreed to the terms and the initiation of this account. I also asked for all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected. This includes an agreement that bears signature of the alleged debtor where he promises to pay the original creditor. I also asked them to state whether or not they have this documentation to provide. ( Doc attached ). 
On XX/XX/2019, I received 3 letters from XXXX   XXXX XXXX. 2 letters came from XXXX  XXXX - C/O XXXX XXXX XXXX and the XXXX came from XXXX XXXX - XXXX Credit Control , LLC. The first letter from XXXX XXXX - XXXX XXXX XXXX XXXX, dated XX/XX/2019, stating they received my request and a review of the inquiry has been initiated ( Doc attached ). The second letter from XXXX XXXX - C/O XXXX XXXX XXXX, also dated XX/XX/2019, stating that they verified the debt and included an account summary which didn't validate that this is my debt ( Doc attached ). The 3rd letter from XXXX XXXX - C/O Credit Control, dated XX/XX/2019, stating that the account has been placed with Credit Control LLC. it also included offers to settle the account.