davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Duvera Billing Services, LLC (PA)

My complaint is that XXXX who is the originator of the account is fraudulently charging and reselling the account under XXXX XXXX and Duverra billing services ( XXXX ) for services not properly rendered. The conditions of the sale was that they maitenance my car and charge me overtime with XXXX XXXX option. The problems is XXXX never maitenanced the car, they actually damaged it and I could never drive it again. The car had to be emmidiately sold and I am still being charged, my credit is being damaged for fraudulent services of {$2300.00}. I want this account removed immediately.
Consumer complaint received 2021-11-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I didnt authorize the inquiry from Bank of America . They pulled my report an I was never there or authorize a inquiry. My brother was at bank trying to open business account. Never did they ask him about running my credit.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (LA)

On Saturday, XX/XX/XXXX, I was contacted by phone by a young lady stating that my Amazon Account was being hacked by several hackers from overseas. Though skeptical, she had me log into my Amazon account and took over the cursor controls, navigating around and showing me what was wrong. This convinced me that this call was legitimate. She then advised me that anti-hacking software (? ) was needed to delete the hackers from my account. To do so, I needed to purchase gift cards, which I could not do on line. I proceeded to XXXX, XXXX, and XXXX and did as I was told, using the Chase credit card in question. When she advised me that additional gift cards were needed, I finally smelled a rat and hung up. I immediately called the Chase Customer Service Dept., told them I had been scammed and wanted these charges removed from my account, as well as having a new card issued. Their employee was very understanding and courteous, removed the charges and assured me that I would not be held accountable for them. He said he would report this to their Fraud Dept. as well. A few days later I received my new card in the mail. While routinely checking my credit card balances this weekend ( XX/XX/XXXX ), I was shocked to see a {$3000.00} balance due on this card dating back to XX/XX/XXXX. I immediately called Chase Customer Service and was referred to the Fraud Dept. who transferred me to the Dispute Dept. I was told by them that I am, indeed, being held accountable for these charges as this does not constitute fraud -- but it does. The young woman on the phone misrepresented herself as being from the security department at Amazon ; she lied to me and misled me. I received no benefit from these transactions.
Consumer complaint received 2021-01-21
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 {$0.00}, {$0.00}, {$340.00}, {$150.00}. 
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 ) -- CLOSED ACCOUNTS 1XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$150.00} -This is not my account.
Consumer complaint received 2022-07-14
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: ERC (PA)

Company accessed my report fradulaenty and furnshied information with out permission. I was never given written notice. I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting. 
2. Verification of their claim against you, that is, a signed Invoice. 
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-07-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

My father passed XX/XX/2019. He and the woman he lived with are on the loan. Court records indicate that the woman signed the deed over to my father. The woman was also incarcerated and is now in a care center. She has a guardian ad litem and a lawyer ad litem who have not communicated fairly with me. I was unaware of the status of the home. The mortgage company, Quicken loans, aka rocket mortgage, after several attempts of sending in documentation they asked for havent worked with me. This has been going on for over a year. Meanwhile the loan continues to fall in dept. The house, my XXXX house, my home is now facing foreclosure. I have the ability to pay the monthly mortgage and have been paying the utilities since my father passed. Please help me save my fathers house.
Consumer complaint received 2021-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I noticed my Mortgage score recently dropped dramatically ( Im under contract for a home ). The reason was " Consumer Finance Accounts ''. I have no open consumer finance accounts. I called Experian and spoke with XXXX he stated that he sees NO signifigant change on my credit report from XXXX and prior till XXXX and now. He did not understand why the score drop ; but he did state that its possible that its a system error. 

Experian compared all of the accounts ; and does not understand it. He did state that I have 3 XXXX accounts that are closed, in good status but showing that they have been transferred to different lenders. I spoke with XXXX and they said the accounts were closed and transferred back to XXXX due to my old chapter XXXX. 

Essentially ; I have 6 XXXX accounts on my credit report ; when I really should have 3. Three of them ( closed ones ) should be deleted.
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 10 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 11 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

Americollect took {$850.00} account off my XXXX report after 1st complaint then today put it back on my report. If Americollect paid XXXX XXXX for the debt how can Americollect make me pay them. I never had a written contract with Americollect at all. That is false information.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi there, I made a trade on XX/XX/XXXX through the website https : //localbitcoins.com/ with someone named XXXX XXXX XXXX XXXX XXXX XXXX XXXX his LocalBitcoins profile is XXXX I sold him XXXX Bitcoins for {$1500.00} which he paid through XXXX, I XXXX verification before completing the transaction and he sent me a photo of his SSN which is XXXX and a photo of him holding his ID which is XXXX with a paper saying that he sent me {$1500.00} with his account ending in XXXX non-refundable, then a couple of hours after we completed the transaction he called the Bank asking for a chargeback claiming I scammed him which is not true since we already gave them the Bitcoins he paid for, the Bank blocked my account the same day, took the money from there and gave the money back to him on XX/XX/XXXX, the bank was also going to close my account even after many calls and sending all the photos that I have, I was only able to get my account re-open again but they just said they would not give me back my money after recognizing that we did nothing wrong and the fraudulent acts of the other person. I have photos of everything
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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: TRUIST FINANCIAL CORPORATION (NC)

Subject : Inquiry Regarding Lien Status on Vehicle Dear Sir/Madam, I hope this letter finds you well. I am writing to inquire about the lien status on the vehicle, XXXX XXXXXXXX XXXX XXXX Plus XXXX # XXXX, which was previously financed through SunTrust Bank. I have been informed that SunTrust Bank and BB & T have merged to form Now Truist Bank. 

The purpose of this inquiry is to seek clarification regarding the current status of the lien on my vehicle. It has come to my attention that the debt associated with the vehicle has been written off by SunTrust Bank. A debt write-off is the accounting practice in which a financial institution recognizes a debt as uncollectible and removes it from their books as a loss. 

Given the debt write-off, I am interested in understanding the implications for the lien placed on my vehicle. In general, when a debt is written off, it typically indicates that the creditor no longer expects to recover the outstanding amount. Consequently, it raises the question of whether the lien associated with the debt remains enforceable. 

Therefore, I kindly request that you provide me with information regarding the current status of the lien. Specifically, I would like to know whether the lien is still in effect and, if not, whether it has been officially released or discharged in connection with the debt write-off. Any documentation or confirmation regarding the release or unenforceability of the lien would be greatly appreciated. 

Furthermore, I would appreciate an explanation of how the debt write-off impacts the enforceability of the lien. If the debt has been deemed uncollectible, it raises the question of whether the lien itself may be considered unenforceable or invalidated. 

Please inform me of any outstanding obligations or procedures that need to be completed to facilitate the release of the lien, if applicable. I am committed to fulfilling any necessary requirements to ensure the appropriate resolution of this matter. 

I kindly request your prompt attention to this inquiry, as it is crucial for the completion of the vehicle registration process. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. 

Thank you for your cooperation and assistance in this matter. I look forward to receiving your response and clarification on the lien status of the vehicle. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is 3 companies that I reached out and made a settlement with : ( A ) XXXX XXXX ( B ) XXXX ( C ) XXXX  But I see it on my records as derogatory status. All 3 agencies have it and they need to update their system
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE this damaging information from my file right away! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Address : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Please update to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (TX)

Burden of proof on a disputed card transaction belongs to the merchant. I reported a duplicate charge to TD Card Services on XX/XX/2022. The amount of the duplicate charge was for an online transaction in the amount of {$23.00}. 

Credit card company is delaying the credit to my account. They continue to utilize mail services to correspond and make requests for faxed documentation to me, the consumer. Every other credit card company has a simple online dispute that can be filed and credit issued within XXXX or XXXX days. 

I explained that the transaction is a duplicate. If I send XXXX receipt to reflect my charge of {$23.00}, this proves nothing. There is no documentation to clear a duplicate that a consumer can provide. 

My complaint is that TD Card Services is not following current laws in providing immediate credit to my account. Consumer does not have the burden of proof in this situation.
Consumer complaint received 2021-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

contacted capitol one due to paytoll cut of XXXX and taking back former dependents without benefit of assistance.also XXXX illness has affected houehold.sole wage earner at only XXXX per month/i called capitol one last month asked for a long term solution.they only offered 1 month deferment said they had nothing else and continued to charge XXXX intrest rate / i took the one month and need assistance long term .they have to be kidding??
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.