davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2020 I went to Bank of America located at XXXX XXXX XXXX XXXX XXXX nj, I went to the atm to make a deposit of {$4500.00} I put all the money in the atm, atm gave me a error and gives me back only {$800.00} which I go ahead again and try to deposit. I look at my account before leaving the bank and see I was only credit the {$800.00}. I call the bank customer services and file a dispute to get my money and get this issue correct. They gave me a temporary credit of {$3700.00} which was the missing amount of cash onto they investigated. On XX/XX/2020 they went to my account and remove {$3400.00} and stated they only found {$210.00} of the {$3700.00} that was missing and since then I been calling them trying to resolve this issue and find my money and nothing has been done. They stated that on the camera they really cant see the dominacin so basically I have to lose my {$3700.00} because a atm machine error. I also send proof of where my {$4500.00} was coming from and also submitted a letter explaining in detail what happen and nothing was done.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (MI)

XXXX and its collection agency Receivables Performance Management ( RPM ) started collection activities shortly after I switched my cell service to XXXX 

My on-line access to my account was shut off and I was unable to view or pay my bill online. I believe that the amount involved ( {$170.00} ) may have been for the month after my service ended. 

I received written demands from RPM and daily calls demanding payment. Although I could not access my account to determine if I owed the {$170.00}, I paid it by check to RPM on XX/XX/XXXX, to stop the collection threats. ( At the time, I thought the amount was not worth my spending time pursuing. ) RPM continued to call me daily even after they cashed my check on or around XX/XX/XXXX. 

XXXX reported to XXXX as a seriously past due/deliquent account as of XXXX and it remains on my credit report as such today. I have a 100 % on-time payment history for the past ten years. And this reporting has damaged my credit rating and ability to obtain financing. 

On XXXX XXXX I sent the attached letter to RPM via XXXX with a return signature required. RPM refused to accept the letter 3 times from XXXX, and has not responded to XXXX 's 3 door tags. ( See attached ). 

I also sent the XXXX XXXX letter to XXXX via US Mail and I received an entirely non-responsive ( AI generated? ) letter that did not address any concerns in my letter. XXXX failed to acknowledge the payment received by RPM on their behalf and continues to this day to report this account as seriously past due/delinquent, despite it having been paid in full over a month ago. 

I suspend that XXXX uses credit reporting tactics such as this for customers who leave them for another carrier and this is not a legitimate use of reporting by either XXXX or RPM. I also believe that the amount I paid was not legitimate, but I am unable to get an accounting from either XXXX or RPM. 

Beware if you leave XXXX for another carrier, as they will use unfair collection tactics to punish you for the decision.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I tried to contact the company several times only to find 30-40 min hold wait times. I requested a scheduled callback when a rep was available and that I would not lose my place in line yet never received a callback.  My complaint is because for the statements of XXXX and XXXX I saw a charge for {$25.00} payoff quote. I never authorized the fees to be charged I never requested a payoff statement. I tried to use their IM chat and they stated that XXXX XXXX  had requested a payoff and that's what the fee was charged. I advised them that I while I gave authorization for XXXX to receive payoff information I never authorized the fee to be charged to my account. They told their was nothing they could do since the load has been paid off. I asked for a refund and they refused. This is a predatory practice and want the {$50.00} in fees refunded to me.
Consumer complaint received 2020-09-21
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: EQUIFAX, INC. (RI)

Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance. 

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing. 

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have been leasing cars from XXXX XXXX XXXX XXXX XXXX for the past 29 years my most current lease expired XX/XX/2020. I wanted to get another lease through XXXX  XXXXXXXX for another XXXX, the car i wanted was not available at the south store whom I been getting leases from the past 12 years so i called the north store and a very anxious typical salesman named XXXX XXXX at XXXX XXXX XXXX XXXX  said he will get me the car and work on the deal with XXXX as he had many friends att XXXX  and my creit was not good he me t he asked me to fill out credit app even though i told him the south store had already done so but he insisted they had not gotten a credit app, this was all done over the phone i never met this man and he insisted he needed to run the credit app because the other store had not.

What he did was when XXXX  said no he went off and ran my credit 3  times with XXXX XXXX and XXXX kept on saying NO so what he did without my consent was he sent my credit app to XXXX XXXX, XXXX XXXX  and some other company XXXX plus he submitted the app 3 times to XXXX. I NEVER said i wanted to buy a car to run my credit from someone else but he was so desperate to make a sale he was trying on his own to get me anywhere without my knowledge and consent and i am very angry because my credit score dropped 16 points because of his actions. I have submitted disputes with all credit bureaus and they will not remove those inquires they say that only XXXX XXXX XXXX can remove them and that is not right i am still without a car trying to raise my score back and it has been over a month since this happened which has caused me lots of problems as i desperately need a care, i take care of my XXXX year old mom who is very ill and i can not even get a car but more than that the nerve of this salesman to go ahead and submit my credit app which was meant ONLY FOR A XXXX XXXX lease to all of those other places i was very specific when i was doing online the application NOT TO send to anyone else as I know how that goes with gritty sales people and he assured me he told me he will only send it to XXXX, obviously he did not. Please, i need these inquires unauthorized without my consent or knowledge they must remove from my credit those inquires we consumers have to deal with this and the credit bureaus take from granted anyone 's inquire without the customer knowledge i have never purchased a car i have been leasing cars for 40 years and i don't know where this man got that, he will get me approved to buy a car. please help me please. thank you
Consumer complaint received 2021-05-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XX/XX/XXXX last year Transunion credit report showed me with a past due bill which I was not aware of and was able to dispute with the creditor my XXXX XXXX XXXX. 
Before that my credit score was 800+ and for that reason it wen down to XXXX or so. 
I opened a dispute with XXXX  and Transunion credit agencies on XX/XX/XXXX after I got a letter from the creditor that my balance was corrected and my account was cleared of the error. 
In XX/XX/XXXX Transunion confirmed to me that my dispute was approved and the credit issue was corrected. 
in XX/XX/XXXX I applied for a mortgage refinance loan and received a credit report and score from Transunion of 690-720 depending in where and who you ask. 
My credit score with XXXX  showed 800 plus and with XXXX  XXXX so I called Transunion customer service and asked for an explanation, they confirmed to me that my dispute was resolved but that my credit score was right and they refused to correct it and at the same time billed me for reviewing my credit score 24.95 plus taxes for the favor.

I cancelled the monitoring servie that I supposedly signed form and they returned the fee. however my credit score is still showing me with a high risk low credit subject.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (TN)

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts, Account Number XXXX. XXXX XXXX XXXX XXXX ( The dates do not match on this one and are invalid. Furthermore the XXXX date is well past time to fall off. ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( this account has two different names and two different account numbers therefore it is incorrect and a validation discrepancy. ) XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX CP XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$1400.00XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-03
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)

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2020-09-14
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: BMW Financial Services NA, LLC (NJ)

on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXXMW Financial Services were involved in Fraudulent Activities and they should look with-in BMW. I contacted XXXX Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in BMW will contact me, XXXX Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. BMW is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to XXXX Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to XXXX Several times.
Consumer complaint received 2021-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I have bought a XXXX XXXX XXXX in XXXX and sign a Loan in order to engaged with this transaction. 
In 10 years never had any issue to make my monthly payment but since XXXX and the coming of The Covid 19 I lost my own business, my client portfolio and encountered some delayed in my monthly payment. 
Despite using accessible tool offered by Nissan to differ a payment and calling the institution to express my challenges I was reported to the credit bureau for an amount of XXXX dollars postponed payment. 
Moreover my contract has now matured and I am about 2 months to finalized the payment of the car note. Nissan Auto acceptance are forcing me to pay something I was not aware, something I was not informed, something I was never explained to calls final interests. As a client I felt trapped and abuse in this circumstance as do no allow client to access to customer service for complains via e-mail or phone, moreover Never had a performance review in 11 years on this Loan, Communication by staff # XXXX not legally appropriate ( professional vs public person ) Agent XXXX mentioned that all this was my responsibility to follow up on this matter and calculation of interests, XXXX could not help me out but to ask to send a letter of complain to their legal team using the post office services.Financial Institution like Nissan should have in their operating system a performance review on XXXX with client or at least some form of communication during the end period of the Loan. I am asking your expertise and experience to review this very abusive case asking to pay XXXX dollars over my normal payment that I have made with consistency the last past 11 years. Nissan make feel abused, XXXX  and XXXX  on their very manipulative strategy which is way more regulated on the Mortgage Industry for example.
Consumer complaint received 2022-02-03
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-01-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance America, Cash Advance Centers, Inc. (FL)

On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and Advance America improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from Advance America, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the XXXX XXXX, XXXX, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, XXXX XXXX, XXXX has purchased the so-called Advance America loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, XXXX XXXX, XXXX.
Consumer complaint received 2022-09-26
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. (NY)

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Equifax- USPS XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Consumer complaint received 2020-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I really dont remember the date but it was around maybe XXXX or XX/XX/2020 and I took out a loan and I came the following month and pay the entire lawn and I thought that was it a month later I get a call and the lady from the California check cashing Place in XXXX California told me I still owe {$32.00} and I was just blown away because Ive never had to deal with anything or anyone like this and now Im being harassed by whoever they turned it over to creditors I was a disrespected Im just not understanding whats going on here they act like gangsters predators
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

XXXX XXXX has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account