davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NV)

I wrote a letter of validation to company to validate the debt. Not enough information was sent to be to verify debt was owed such as : Why the collector thinks I owe the debt, the amount and age of the debt, and whether the collector had authority to collect the debt in my state.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Regional Management Corporation (TX)

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ XXXX  AND XXXX OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
Consumer complaint received 2022-09-12
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. (FL)

I have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : XXXX, transunion and XXXX. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the XXXX data breach. 

All account information and dates are on attached document.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : For past year I have been denied credit a few times, which is strange with a XXXX credit score and excellent income and payment history. When I discuss with finance manager they tell me its because I filed XXXX during a divorce in XXXX. The issue is I filed but, I voluntarily dismissed it. The way it is being displayed gives the impression as though I went through with the XXXX. I didnt. 
This is similar to someone being arrested but then charges dropped being labelled as a criminal or someone files for divorce but withdraws the case, arent they still married? The way you display would show that individual as divorced and that is wrong. 
By the way, you are displaying a record that never went through is wrong and adversely affecting me personally and financially. If you go to XXXX, which is the Federal cases current and past database, there is no record of my filing because I dismissed the case by my own volition. I was going through a nasty divorce where my wife abandoned me and my XXXX daughters. I was not thinking straight. 
I should not be punished for something I did not go through with, Im requesting it be deleted from my record. 
This adversely affecting me personally and in business. Credit departments see the info and deny me thinking I went thru with XXXX. This is wrong.
Consumer complaint received 2022-09-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

SOMETIME AROUND XXXX OF 2017 A CREDIT CARD FROM COMENITY BANK/XXXX  WAS OPENED IN MY NAME WITHOUT MY CONSENT. I HAVE TRIED CONTACTING THIS COMPANY DIRECTLY WITH NO RESPONSE. I AM A VICTIM OF IDENTITY THEFT AND WANT THIS ISSUE RESOLVED AS SOON AS POSSIBLE. THE AMOUNT IS {$350.00} DOLLARS ...
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

15 usc1666b 604 15usc1681b 15 usc1681c-2 I need an investigation into all credit card accounts for inaccuracy of reporting to The credit bureaus affecting my credit scores My capital one account just closed without any notification and I have a long history with this Account ~ please investigate as to wether or not the practices of my creditors are appropriate And that I am being treated fairly accrued to FTC laws Unnecessary inquires XXXX XXXX  has over a hundred inquiries on my account, constantly reporting to the credit bureaus. 

Thank you for your attention concerning this matter
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Resurgent Capital Services has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXX. I am a Federally Protected Consumer and Resurgent Capital Services has violated me in many ways. Resurgent Capital Services is a third-party debt collector. I never gave Resurgent Capital Services written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Resurgent Capital Services has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Resurgent Capital Services can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Resurgent Capital Services a debt validation along with a cease and desist, ( 2 ) Affidavit of Truths in regards to their Violations. I received no valid response. Please see the attached
Consumer complaint received 2021-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC (TX)

I'VE BEEN DISPUTING AN ACCOUNT THAT RECENTLY APPEARED ON MY CREDIT REPORT THAT I BELIEVE IS PART OF MY IDENTITY THEFT CASE FROM EARLIER LAST YEAR AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. IT KEEPS COMING BACK SAYING VERIFIED BUT I DON'T KNOW HOW IF IT'S NOT MY ACCOUNT.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have several accounts on my credit report that does not belong to me. I have disputed these accounts several times and this collection agency continues to put this debt on my credit report. 
XXXX, Equifax, XXXX, XX/XX/XXXX XXXX XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XXXX XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX  added a collection account on my credit report {$2200.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX *XXXX  XXXX  placed a Hard Inquiry on my credit *XXXX placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XXXX XXXX  XXXX  XXXX  {$250.00} XXXX XXXX  XXXX  {$20000.00}
Consumer complaint received 2021-02-05
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: Santander Consumer USA Holdings Inc. (DC)

I never had a drivers license I can not even get behind the wheel I have XXXX  XXXX  I have a problem with XXXX  and XXXX  I am on able to drive a car permanently I got a police report I did a fraud report I am not got a resolution yet and its been since 2019 when I found out about the fraud with Santander consumer USA
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX To whom it may concern : I would like to file a complaint against Bank of America, almost 2 years ago, I had, had a credit card account with them. I am XXXX, and in early XXXX I ran into a period where my illnesses were at a very low point. 

The balance that Bank of America is reporting to the credit bureaus regarding said account, I did not charge up. This balance was ran up by the bank with excessive usury charges and fees. 

The status dates that they are reporting to the credit bureaus, are inaccurate, in XXXX of XXXX, I had, had no dealings with them. 

Bank of America is intentionally placing false status dates onto my credit files, so as to further ruin my credit, and to re-age this debt, making it seem that the debt is from XXXX, and that is not true. 

They are placing 120 day delinquencies onto my credit files for, XX/XX/XXXX, as well as XX/XX/XXXX, when I had no dealings with them even earlier than the XX/XX/XXXX payment date that they are reporting. 

They want the account to look as though in XXXX, I was having dealings with them, and that is false information. 

I do not owe the {$770.00} balance that the bank is slandering my credit files with. As stated, that balance was ran up by the excessive charges, and fees that the bank has placed onto that account. 

Last year there were many phone calls that were made to my cell phone by a debt collector that did not verify this debt, prior to constantly calling and harassing me. 
I did not know why this person kept calling me, I later found out on my own, who they were after I had complained, and I learned that they were calling regarding this credit card account.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good evening, I have already filed a complaint with Bank of America many times and Im looking for more help. I live in CA, I had my boa edd account drained when I received my last edd deposit and BOA froze/closed my account. This fraud was to no fault of my own. I am a single XXXX XXXX XXXX woman on my own out of a job due to covid and I am getting no further information to my claim. I need further assistance with my account and claim. I have money in my account and I am not able to access my account and EDD is still putting money into the account that I can not access. Please help I have been without money from this situation for over two weeks and I am behind on bills with money for food. 

Kind Regards, XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

To whom may be concerned : Re. Loan number : # XXXX On XX/XX/2020 I called Lexus XXXX  Customer Service Department because I notice that THEY report a 30 day late payment on my credit reports. 
When I always make my payments on time. The agent told that XX/XX/XXXX payment was not received on time. I explain to her that I made a payment on XX/XX/XXXX approximately at XXXX using the lexus XXXX payment portal online. I added a new checking account ending in XXXX and then I proceed to submit the payment for XXXX. 
Apparently that payment never go through their system, but I notice that on XXXX when I was trying to make the XX/XX/XXXX payment. Because on an error of their online portal system the payment never was receive and I get hurt my credit score going down 112 points. 

Im really frustrated because I never have failed Lexus XXXX my payments. The agent just told me on the phone to write this letter disputing that the late payment was incorrectly reported. I demanded an investigation on their online system that date, I now that I submitted that payment. 

Im courteously requesting to update my credit report to no late payments, because its currently hurting my score and is costing me a lot of money. Also because it wasnt my fault. 

As today my account is up to date and current with them. I asked them sending a letter by fax on XX/XX/XXXX XXXX then I received and response that they are not going to investigate furthermore because they think that i missed a payment. 

Thanks for your prompt attention to this important matter, XXXX XXXX XXXX Loan number : # XXXX
Consumer complaint received 2022-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Opened new savings account online with NY Community Bank on XX/XX/XXXX funded with an initial ACH deposit of {$20000.00}. 

Subsequently on XX/XX/XXXX I deposited an additional {$20000.00} also via ACH. 

My bank paid the ACH 's on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Subject bank placed a two week hold on all money in account in violation of Regulation CC. 

Further, also in violation of said Regulation, they failed to provide any notice of their intention to place an extended hold at any time
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (CA)

I had a loan thru chase bank for my XXXX XXXX XXXX since XX/XX/XXXX I made monthly payments directly to chase bank every month I would request payment history statements every three months to see where my principal payments were getting applied so I have a very documented financial history showing my loan was never past due but my car was involved in a accident my insurance company XXXX XXXX XXXX told me I have full coverage and I need to release car from the tow yard to my insurance company because they will fix it and rent me a car but a lack of communication or something happened and the car was sold at a auto auction and chase bank said my insurance company refused to pay the remainder of the loan and told me the reason the car was there in the first place was because it was involuntary repossessed I asked how that is possible when I have proof of payments on time and they first told me I didnt pay in XXXX in XXXX so I pulled out the payment history and gave her the amount and date they applied that payment to my account so after she couldnt get out an excuse for that month she told me that my payment in the month of XX/XX/XXXX was reversed And I said well I show it was applied and the same date Next month another payment was sent in and so on and so on so basically chase sold my car at auto auction as salvage vehicle the insurance company changed their mind and said nevermind we wont cover it after they took possession of it and even after the bank sold the car they were still receiving my monthly payment even after it was illegally repossessed by them.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Last month I sent Experian XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the XXXX XXXX  with the balance of around {$3000.00} that I never opened up. Before my attorney and I take Experian and XXXX XXXX  to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this XXXX does not get removed because it was noted on the FTC report you removed everything else except for that one account just XXXX  pay you more money to rent space as a trade line Experian? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves XXXX XXXX now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that Experian likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

Last month I sent XXXX  XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the Discover card with the balance of around {$3000.00} that I never opened up. Before my attorney and I take XXXX and Discover card to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this discover does not get removed because it was noted on the FTC report you removed everything else except for that one account just Discover  pay you more money to rent space as a trade line XXXX? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves Discover card now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that XXXX  likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I mailed a dispute letter to Wells Fargo Dealer Services explaining my balance was being incorrectly reported to the credit bureaus. I also explained that I ended the deferment in XXXX and have been paying the loan each month. 
However, Wells Fargo Dealer services corrected my balance but failed to correct the deferment status. 
My account with them still shows I made my last car loan payment in XX/XX/2020. This is being reported as No Data Available on my credit report with all 3 credit bureaus. This is incorrect.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank never applyed the promised credit to my account before closing it and written off as a charge off. 
Charge me fees and never issue my money. I dont owe them any money and also reported to credit report