davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (VA)

On or about XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX XXXX XXXX, located in XXXX, VA XXXX. On XX/XX/XXXX I returned the vehicle to the same dealership as per the lease contract. On or about XX/XX/XXXX I returned the license plates to the VA DMV located on XXXX XXXX XXXX in XXXX, XXXX Because I was not the registered owner of the tags the DMV representative advised me that he could not provide me with a receipt. In XXXX of XXXX I received a bill from Acura Financial Services ( AFS ) in the amount of {$110.00}. I immediately called their customer service office and was told that the {$110.00} was for taxes owed for the XXXX in XXXX. I explained the above information to them. They have repeatedly requested more documentation from me, which I have already explained that I can not get from the DMV. I contacted the XXXX XXXX County tax offices and was able to obtain a copy of the tax bill for the XXXX, which again was not registered to my account. I submitted the tax bill to the AFS office in order to clear up the outstanding balance. I have attached a copy of the tax bill from XXXX tax office, which shows that the XXXX account was closed on XX/XX/XXXX, to this complaint. ( Somehow XXXX was notified that the license plates were returned to the DMV ). AFS continues to send me bills and letters to include a tax bill that clearly shows that the taxes due are for XXXX. In one such letter they stated that I owe {$640.00}. When I questioned the AFS customer service rep, that called me about this very account, she could not explain the {$640.00} amount. It is apparent that AFS does not have good record keeping practices and obvious that I did not have the vehicle in XXXX, as their records will show. Therefore I do not owe any taxes for the vehicle in XXXX. AFS continues to call and harass me on a regular basis and has recently sent documents to the credit reporting companies, which have already adversely affected my 800+ credit score.
Consumer complaint received 2020-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

ATTENTION DISPUTE DEAPRTMENT ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$770.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$380.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$720.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$390.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$530.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$770.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$380.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$720.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$390.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$530.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-10
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

I filed a bankruptcy in XX/XX/XXXX My mortgage orginated in XX/XX/XXXX and I have made payments consistently from the origination, through the bankruptcy and to date.

Wells Fargo claims they can not report my payments or mortgage as my loan was not " reaffirmed ''. My bankruptcy lawyer says it was Wells Fargos decision and that they often do this to clients.
Consumer complaint received 2020-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I am enrolled in the public student loan forgiveness program. I have submitted my employer certification form regularly and qualify. I have also been in a qualifying plan with income based repayment. This is through " Myfedloan. '' The number of qualifying payments fluctuates seemingly at random. I asked for a review of this in XX/XX/XXXX and was told that I would receive a phone call and e-mail about progress. I had received no communication so I called again XX/XX/XXXX. Then I was told it may take six months. In XXXX I received a letter ( which I have attached ) that showed updated payment amount. However, these have once again begun to fluctuate. As an example for 1 loan : XX/XX/XXXX - 32 qualifying payments ( this is the first loan listed on the XXXX bill that is attached ) This number was quite low. And prompted the original phone call in XXXX. 

XX/XX/XXXX - 78 qualifying payments, letter attached. 

XX/XX/XXXX - Bill confirms all of these amounts, bill attached XX/XX/XXXX - Multiple loans change amount of qualifying payments ( majority go down, meaning I lost payments ). 

XX/XX/XXXX - Several loans lose more payments. My employee certification form was once again sent and accepted. 

I called again on XX/XX/XXXX. They tell me that my file is still in review. Can you imagine making a XXXX dollar monthly payment and after multiple months they take 10 payments away? If this was a car and you went to the dealership and they told you the last XXXX dollars didn't count, what would the legal system do? There is no point person for my case. They will not give me a possible end date, merely saying they are " working on it. '' They will not call or email updates though they always say they will. They will not give me any of the paper work they are reviewing to make these determinations. I speak with someone different each time I call. I am getting closer to what should be an end date for forgiveness and in reality there is no end in site as they can simply erase multiple payments for no clear reason. Along with this, I am stuck with my ridiculous interest rate of 7.3 % on average as you can not refinance and stay in the PSLF program. Biggest scam ever. I can not plan for my future as I have no confidence this program is going to actually work, yet I feel stuck as I am so far in at this point that refinancing would result in dramatic financial hardship. 

Please help me make them accountable!
Consumer complaint received 2020-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (NY)

On XX/XX/2019, I have been emailing back and forth from an agent fro the processing department of Premier Student Loan Forgiveness, XXXX XXXX ( XXXX ) about how it is time for me to recertify for the loan forgiveness program. He was telling me that he need some documents from me, which was my tax form from the pervious year and recent pay stubs. So I sent them. On XX/XX/2019, I got a confirmation email from XXXX XXXX ( XXXX ) stating that they received my documents. On XX/XX/2019, I called XXXX XXXX  ( XXXX ) XXXX to follow up on my recertification, but when I called there was an automated voicemail stating that the following service is under investigation in the state of California and you should go to www. studentloans.gov or contact your student loan servicer regrading the status of your loan. I went to the website and found out my initial provider is XXXX. I called XXXX ( XXXX ) XXXX asking how is my federal loan doing. The agent told me that it was time to send in my document to recertify me again for the forgiveness program. I told the agent that I sent in the document two months ago but the agent insisted that they did not receive any documents from me. I sent in the documents in again. On XXXX XXXX, I decided to call XXXX XXXX again, to see if that automated voicemail was still there and it was. That's when I texted my Aunt XXXX XXXX : hey auntie, so the student loan program you told me about isn't working anymore and i'm trying to call them and the phone is out of service. That's when I called XXXX again to make sure they got all my documents and they did. The agent then proceeded to tell me that I had to pay the XXXX fee of {$330.00}, so I paid it. I then asked if they were getting my payments of {$40.00} every month for the last year and a half, and the agent stated that they did not receive any documents or payments from my since XXXX XXXX. When I heard that I was shocked because that is when I talked to/signed up to Premier Student Forgiveness Program with XXXX XXXX ( XXXX ) XXXX and gave all my information to an agent at XXXX XXXX XXXX, XXXX XXXX ( XXXX )
Consumer complaint received 2020-01-05
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: Eagle Accounts Group, Inc. (IN)

Eagle accounts agreed to removed a negative on my report. It was removed from XXXX and duplicated on XXXX. This happens every few years dropping my score XXXX-26 points each time.
Consumer complaint received 2020-01-05
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. (UT)

A second XXXX account was listed on my credit report for the amount of {$580.00} in collections. I called XXXX they said this was an old account from 2015 and it was sold to XXXX XXXX. XXXX XXXX  said this account was sold to Attorney XXXX and XXXX, XXXX otherwise known as XXXX XXXX XXXX. I called the attorneys and spoke with them and they said this account was old and should not show on my credit report. I started a dispute to finally have this removed from my credit report. XXXX  and XXXX  have removed this from my credit report but Experian still has this on my report and they do not even have the Original date of 1st delinquency or all the correct facts of this account on my latest report from Experian. I will submit documents that prove Experian is using incorrect information on this account and it needs to be removed from my credit report just like the other credit bureaus have removed it.
Consumer complaint received 2020-01-04
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: ID Analytics, Inc. (NY)

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. 
PLEASE HELP ME TO CLEAR THIS ERROR.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AL)

Syncrony Bank  who is the bank for many department store credit cards such as Old Navy, JcPenny, and Rooms to Go have consistently lowered credit lines based on what they refer to as periodic credit reviews even when the customer has paid on time as agreed. The problem with this is by them lowering the credit availability while the is still a balance it increases the customers net fraction burden which lowers the customers score even more. The is causing harm to the consumers as it has a direct impact to the customers credit score. The bank also sites high balances relative to credit availability as a reason to lower the original approved line amount. Their actions are a cause of the very reason they are using to justify their actions of reducing customers credit availability.
Consumer complaint received 2020-01-04
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. (MS)

So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items :
Consumer complaint received 2020-01-04
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NC)

I had a bank account at a bank that was closed about two years ago because of fraudulent activity done through my online banking which I did not do I want to get down to the bottom of it they said they did an investigation but never let me know now it's stopping me from opening an account at any other bank can you please help me.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (VA)

On XX/XX/XXXX I made a payment of prepayment of the coming bill due. I switched to XXXX on XX/XX/XXXX. XXXX sent me a bill for XXXX dollars for billing for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 

I canceled my service on XX/XX/XXXX with XXXX. 
I have proof of this. Yet they refuse to adjust the bill and now a debt collector has called me in regard to this Fraud bill
Consumer complaint received 2020-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

I wrote to U.S. Bank ( formerly XXXX XXXX  ) to ascertain whether my deceased husband, XXXX XXXX XXXX, had any safe deposit boxes or accounts with their bank. I sent U.S. Bank 's Legal Department my Letters of Office as Administrator of the Estate of XXXX XXXX XXXX, Deceased, in XXXX County Probate Court, XXXX XXXX XXXX as well as the Certified Death Certificate. Ms. XXXX XXXX of U.S. Bank Omnichannel Customer Service responded on XX/XX/XXXX, never stating that U.S. did or did not have an account in my deceased husband 's name, but requesting that I provide them with a " valid account number '' in order to process my request. My husband 's social security number is on his death certificate, and I told Ms. XXXX that this is the United States of America and that accounts are not tracked in the U.S. by account number only, as in a XXXX XXXX   account, and that she could locate any account for my husband by his name as he was the ony XXXX XXXX XXXX in the State of Illinois and likely in the country. I called U.S. Bank 's 800 number and was told they would file a report with their " Life Events Department '' who would be in touch with me. By taking me in circles, I believe U.S. Bank may have released the contents of my husband 's safe deposit box or accounts to someone else who was not entitled to it, i.e., possibly his daughter, XXXX XXXX, who is co-heir with me to her father 's estate. I need straight answers from U.S. Bank rather than being taken in circles with them requesting a valid account number. They never said, " We do not have an account at all for XXXX XXXX XXXX ''. I have provided the proper documentation and could provide a subpoena for their records if necessary through my Probate Attorneys, but I have spent thousands already in legal fees and only want a bona fide answer as to whether U.S. Bank has accounts or safe deposit boxes in my husband 's name.
Consumer complaint received 2020-01-03
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. (AL)

I did not authorize the below companies to access my credit report : XXXX XXXX  Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX  XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

I have contacted Credence Resource Management on numerous occasions during the month of XX/XX/XXXX regarding a collection account on my credit report. the amount is {$260.00} and the original creditor said XXXX XXXX XXXX XXXX. I also contacted the credit reporting agencies because I had no information on the debt. No one could provide me with detailed information. On my credit report it said XX/XX/XXXX. I have been with XXXX for many years so I was confused. I called XXXX XXXX XXXX and was told I had no account. After repeated calls and attempts to locate an account on their website I spoke to someone who was able to give me the information that the account was From XXXX, he also said that although I had a zero balance when the phone was transferred to another service there could have been charges after the fact (? ). I had no knowledge of this and was not able to locate information without numerous disputes to the credit agencies and spending hours chasing down information. Credence Resource management was not only rude and aggressive but they had no information as to the details of the debt. I have since found out it was incurred after I changed cell phone companies, moved and changed jobs. I offered to pay XXXX XXXX XXXX but they will not remove it from my credit report and the collection agency has the wrong date and is reporting it as a late payment as of this year ( it says on my credit files past due as of XX/XX/XXXX ). I need this debt removed from my credit file ASAP. none of the information was reported correctly and no one has been able to help me. PLEASE HELP ASAP. I am a single mother and I am trying to buy a house. I was told it wouldn't do any good to pay it because the collection agency will continue to report it late in XXXX and it will stay on my credit report as a collection file with the starting date of the debt as! XX/XX/XXXX. This is not fair and if I'm not mistaken is not legal. Please help.
Consumer complaint received 2020-01-05
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :