davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TN)

XXXX XXXX has violated the FCRA. On XX/XX/2023, the XXXX XXXX that was financed with the company was totaled by a rear end accident. I made payment for the XX/XX/2023 due date. The other car 's Insurance company, XXXX XXXXXXXX XXXX requested a Letter of Guarantee on XX/XX/2023. The amount on the letter was incorrect. The Insurance company requested for the updated letter on XX/XX/2023, where they were told a letter would be issued within 3-5 business days. Since this date, the insurance company has called 5 other times to receive the letter and was told 3-5 business days. I called the finance company around XX/XX/2023 as the payoff of the vehicle has still not taken place. When speaking with customer service, I had requested an extension/deferment of payment. I was informed one could not be applied due to the age of the loan ( I bought the car in late XXXX of XXXX  ). I was informed that as long as it was paid off within 15 day after the due date of payment, no penalty would be received. I understood and agreed. Come XX/XX/XXXX, I found out that the finance company has still not received the letter of guarantee with the correct amount. I called the finance company and spoke to a Manager Named XXXX XXXX who would not provide his last name ). I got the run around that it would be 3-5 days to get the letter of guarantee to pay off the car. Plus, I've now received a late payment fee and a negative hit against my credit score, when this should have all been resolved in XXXX. I received a letter in the main indicating the pay off due to the totaling of the car hasn't occurred yet ( well, I'm still missing the letter of guarantee for the insurance company ). The manager refused to escalate the issue, I waited 3-5 more business days and have still not received the letter of guarantee. The next payment due is XX/XX/2023. Anything better than agreed on my credit is unacceptable. This company has violated my rights as a consumer and should immediately rectify this issue. Due to their willful failure to comply with FCRA requirements, the company is liable for actual or statutory damages and punitive damages as they are destroying my credit.
Consumer complaint received 2021-02-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (OR)

I am using the Robinhood app and was trying to purchase some more XXXX stock. I dropped {$100.00} on that yesterday and saw the prices were lower so I wanted to purchase some more today. When I logged in, I discovered that they are only allowing the sale of XXXX and NOT the PURCHASE of XXXX. This is absurd to me and seems like price fixing or market manipulation at the least. I find this woefully unacceptable and feel I have been scammed into a loosing position now by Robinhood.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (CA)

In XX/XX/XXXX 2021, Patenaude Felix A.P.C., sent me a letter of {$390.00} with a offer to settle with my debt paid in full, a response needed by the end of XXXX. On XX/XX/XXXX of 2021, I messaged the client through their website to pay the amount as soon as possible, leaving my contact information. After getting response, I emailed the attorney ( on XX/XX/XXXX ) there who I discussed the case with, her name is XXXX XXXX. I again received no response. After that, I messaged them again on their website and said that if I receive no response in 5 business days, the debt is considered settled in full. I again received no response. Today on XX/XX/XXXX21 I called and did get a response, but they said the offer was no longer available and knowledgeable that they had in fact received my messages. The person I spoke with said their client was behind the offer, he then told me the offer on the table is XXXX XXXX, which is much more than the offer I was offered, accepted, and responded to in the correct window.
Consumer complaint received 2021-01-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On my credit reports there is a closed account with huge amount of missed payments. BANK OF AMERICA Opened XXXX. XXXX, 2017 Its not mine account. 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 BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

In XXXX I noticed my card had been charged in XXXX for {$1600.00} for a hotel charge. After looking into it I learned the hotel reservation was made for end of just XXXX. I called and canceled my card and informed them I knew nothing of this charge and disputed it. 
2 months later they reversed it and said I lost met appeal. I said the hotel charge off for a reservation in the end of XXXX and its not even XXXX at that point. They started another appeal and I lost that. I called and started a XXXX one after the date of when someone was supposed to check in and sent them the info that no one had checked in on that reservation. They denied my claim again and said well whoever booked it had your information. I explained to the lady when people are stealing your card they probably know your name too! 
I was denied again and told today theres nothing they can do and XXXX stuck with this charge thats now over {$2500.00} Yet in ALL of discover credit cards commercials they say never responsible for a fraudulent charge
Consumer complaint received 2021-03-09
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: EQUIFAX, INC. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I spoke to Equifax on numerous occasions regarding a split file. The managers a d special handling department refuses to fix my credit file causing a decrease in my score. If this is not resolved I will take legal action.
Consumer complaint received 2022-07-13
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. (NC)

My identity was stolen. I never applied for this account I have no idea where these accounts came from. These are fraudulent accounts, I never shared my personal information with anyone, I never gave anyone permission to use my personal information. These accounts were opened without my consent.
Consumer complaint received 2021-01-28
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: Atlanticus Services Corporation (NY)

On my credit reports there is a closed account with huge amount of missed payments. FORTIVA MC/XXXX  Opened XXXX XXXX XXXX Its not mine account. 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 FORTIVA MC/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Over the last 3 weeks I have had my debit card used to make over XXXX $ in transactions, and then after being sent a new card, this card was used to make XXXX $ in transactions that were not authorized. The first XXXX $ in charges occured after I lost my wallet and debit card at a bar, the next day I returned to see if it was there and they coud n't find it. About 5 days later I went back when the same bartender was finally working again, and he said that he didn't have it, however I noticed that day he had a drink from XXXX, and when looking at my account there was a purchase made on my card that day for XXXX. I believe this bartender took my card and wallet, which inside I believe contained a scrap of paper that all account numbers, a few passwords, and also the pin for my debit card. At first the XXXX $ was credited back by Bank of America, however later on that week they funds disappeared and I was never sent a letter or anything explaining why. Then last week on Friday, XXXX $ in XXXX cards were purchased through my XXXX account, and then redeemed by some other person. After I lost my wallet, I also had my laptop, and phone stolen a few days later, Whoever got into my computer went on my XXXX account and was ordering gifrcards and sending them to people. I have been on hold with their fraud team for 1.5 hours today, but total the last 5 days I have been on hold for over 10 hours. I cant get a hold of them to file these new charges, or to have the older charges re-credited to me or an explanation of what happened. In total it comes out to XXXX $ I have been scammed, and Bank of America EDD Card Services is not doing much to help me or investigating very deeply at all.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scammed through XXXX Someone hacked my account and took my whole social security check On XX/XX/2022 someone added a unauthorized person to my XXXX Account and withdrew XXXX my whole Social Security check through my Bank Of America App. 
Bank of America Denied my claim!!!!!!!!! 
They are saying the transaction came from my phone and that I authorized this transfer which I didnt at all. 
Im a XXXX yr old senior citizen and been with BOA over 25 yrs and These people will not cover this claim!!!!!!!! This is Unbelievable and Disgusting as a institution they dont cover XXXX yet they Own it!!!! I am now facing Hardship with my rent as Im unable to pay my Monthly Bills
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Falls Collection Service Inc. (IL)

Dated XX/XX/XXXX I received a collections notice from XXXX XXXX XXXX in reference to XXXX XXXX XXXX in the amount of {$550.00}. I don't know who this collections agency ( FCS ) is nor have I agreed to do any business with this organization. I have not signed any agreement of any kind with FCS. Please refer this alleged debt to XXXX XXXX.
Consumer complaint received 2021-01-28
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. (NJ)

I am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

OK ... Capital One Bank is selling my personal, private and federal information to multiple companies to make them try to collect a amount I do not own them.

HOW IS THIS POSSIBLE??? 

First they sold all my information to XXXX XXXX XXXX and now to XXXX XXXX XXXX and for the same amount of {$1200.00} .... 

BY THIS I WILL FILE A FORMAL LAWSUIT AGAINST CAPITAL ONE BANK
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Here it is two years later and I can not access my EQUIFAX credit report and I have already filed two complaints. I am thinking of going to meet with legal counsel because they will not rectify the matter. 
Previous complaints filed : Report XXXX Date XX/XX/XXXX I requested my information from Equifax in XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still, my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed on XXXX and still, my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call I'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect. 

Report XXXX Date XX/XX/XXXX Currently, there is an open investigation on Equifax with CFPB # XXXX. Equifax mailed me an updated credit report XXXX ( it showed on my XXXX dashboard ) stating they have corrected my DOB. That is incorrect, my DOB is XXXX now they have changed it to XXXX. Why can they not correct my information to the correct information and I submitted a Government-issued ID.
Consumer complaint received 2021-01-28
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to Franklin Collections Services and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

On XX/XX/2022, I C SYSTEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, I C SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have sent my documentation related to the compliance of capital one bank and they have also cleared the verification process. 
Yet, the problem have not been resolved & my account is still restricted. 
It's been over 20 days. 

This is not the service they should give to their clients & I think they are abusing the power not giving any rational reason whatsoever.
Consumer complaint received 2021-07-08
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: AMERICAN HONDA FINANCE CORP (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

I would like an update on the formal complaint that I wrote to you on XX/XX/2021 about seeking help resolving the problem that I am having with the collection company, CMRE Financial Services Inc.

The reason I would like this update is because I receive another letter from CMRE, the following week saying that the account was validated. This is a complete lie, I asked for validation as well as method of validation documents, I asked for the HPAA release ( along with other documents as proof of validation ) for that I supposedly signed saying that I consented to releasing my medical information to a third party mainly, CMRE.

CMRE Financial Services Inc is willfully acting in bad faith and lying to keep unverified negative accounts on my credit report. I have not received not 1 certified letter or even regular mail of the requested supporting documents I asked for under the FCBA. 
Please help me because I am trying to by a house. Its hard enough being a XXXX woman in XXXX as it is. I am not a bad person. I have never ever been arrested and all I want is to be treated fairly. I dont understand why that is so hard!!
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NY)

Hi, I was contacted in XX/XX/XXXX by Phoenix Financial Services regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from Phoenix Financial Services for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have submitted disputes to you and I didn't get a response within 30 days and y'all are required by law to do so. Please investigate my disputes. Please. Thank you.
Consumer complaint received 2021-07-07
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. (NC)

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.