davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX  XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXXXXXX 4.US DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Huntington Bank.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities,  residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX and XX/XX/2021, I sent communication to Transunion and XXXX asking for a collection account to be investigated. The account is with XXXX XXXX XXXX. I have requested from the creditor documents validating this debt several times, as I am not aware where this came from .I sent in proof several times that this creditor is not validating the debt because they are not informing me as to how it was obtained. They have sent me several communications stating that the original creditor believes it is valid. When asked to send me proof of this account. XXXX on 3 occasions sent me a 2 page bill that displayed no information as to what the charges are for. Also XXXX was reporting conflicting information between the credit bureaus. I sent this information to the reporting agencies and they only updated the information to match. Transunion and XXXX both failed to properly validate this debt. I have not been informed by neither XXXX, Transunion, nor XXXX on how this debt was obtained nor where it came from. When I called Transunion I was told that they have just started my dispute on XX/XX/2021, that is one month after my certified mail receipt shows it was delivered. Once I advised the rep that I had proof it was received by them on XX/XX/2021, he then changed the story that the investigation was completed and that they updated the information. This information is damaging my character and causing me a great deal of stress. I am trying to purchase a home and this is stopping me.
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (TN)

I financed motorcycle and asked company to post my payments and any excess in the payment amount be posted as principle to the loan. This did not happen. Payments were posted as future interest instead. Over the course of 11 months, my payoff amounts increased and my statements show it. When I called last year, the representative told me they were posting them correctly. Then I would get a statement that said I had no payment due for several months. When I made a payment, they would let the entire payment go towards future interest. This was supposed to be an amortized loan ; however, it looks like a Rule of 78 type of loan. My payoff ( I am paying it off ) is essentially the same amount as the payoff on my very first statement even though my payoff amount decreased in the first few statements but then began to rise. Unreal.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (CA)

On XX/XX/2021, I noticed a derogatory mark on my credit file for a medical bill from OUTSOURCE/MEDICREDIT INC for {$100.00} However, I have not received any communication from the company regarding any outstanding medical bill or any debt incurred. 

I phoned them and discovered they had outdated information regarding my address and phone number. 

I immediately paid the debt and explained that I never received any information from them regarding the debt. They still refused to remove the mark from my credit file. I believe this is unfair and illegal predatory behavior to collect a debt that I have no information on but is consequently hurting my credit
Consumer complaint received 2020-05-03
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)

ftc violations listed:


inquires XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2020-05-03
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: Paypal Holdings, Inc (FL)

I have a Paypal Debit Mastercard, which is linked to may XXXX XXXX  Account. On about XX/XX/XXXX or XXXX, I noticed some transactions to XXXX which I did not authorize. 

I went to the paypal website, canceled the card. They automatically issued a replacement. I was not able to dispute the transactions which were pending, however, and they took that money from my XXXX account. 

Finally, after the transactions completed, I was able to dispute some of them. It took a while, but those got paid. However, instead of putting the money back into my XXXX account, which I expected, they gave it to me as a paypal balance. 

Then, more fraudulent transactions appeared, and again, no way to dispute them until they are completed. Then, they completed them, and used up the money that they had put in my paypal balance, again leaving me with no money to put back into XXXX, which even if I had tried to transfer it takes several days to do. 

Now I have XXXX in overdraft fees in chase. I have spent 20 days trying to contact Paypal, their call center is closed due to COVID19,  and so although I am willing to wait hours to chat with someone, each time I am told that they will help me and then they either send me a message telling me to dispute them and how to do this, and cut me off, or just cut me off
Consumer complaint received 2021-10-29
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: WELLS FARGO & COMPANY (IL)

Private student loan was sold by Wells Fargo to XXXX XXXX. In the process I paid wells fargo but XXXX XXXX and Wells marked the loan as past due but it was in the middle of being sold. So now the Wells account shows as closed and deliquent and the XXXX XXXX account is on my report. I can't get XXXX XXXX to show me any validation of the debt including any signed contract with them.
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (UT)

I currently have a gym membership with a company name XXXX XXXX. Aldous & Associates as their debt collection law firm. I have been actively going to the gym with an account in good standing right up until COVID-19 hit and the gym closed at the beginning of XX/XX/XXXX. In XXXX, I signed up for personal training 3 times a week with this company. I started training with their personal trainers who were terrible and after about 2 months or so I decided to stop utilizing their services, and stopped scheduling my appts. I did this because the training program was geared around making people continue to utilize their services, not seeing results and not getting personalized workouts tailored to individual needs. I however continued with my gym membership. They claim that I never canceled my contract so they continued to bill me even though I wasnt utilizing those services anymore. Their charges are roughly {$50.00} for each training session. They are charging me approximately 30 training sessions that I did not take advantage of or utilize. They are holding me hostage and did not provide the quality service for which we agreed upon. I spoke with manager of the gym and they told me it would be fine as long as I kept my membership account current which I did and paid them the past due amount for the gym membership and they turn my membership back on ( over a year ago, and is still in good standing ). The law firm refuses to talk to me unless the account unless its about a payment, and the gym will no longer discuss this account because its now with the collection agency. They are trying to extort me out of {$1600.00} for services they did not provide.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Debt collection company failed to provide any of the legally required " Validation '' items as requested by Certified Letter within the first 30 days after notification of purchase of a debt and intent to collect. Consumer is knowledgeable as to what constitutes legally required Validation materials under the law and the formal process requesting such information. To date, no Validation documentation has been shown to exist. Company has never provided a single required document or a formal, company authorized official response on corporate letterhead by a management level representative. Company responses have been a single statement that they only received an " electronic '' file from the creditor and therefore have nothing to provide, along with snarky, smart-aleck comments in the tiny note section of collection notices received. 

A " Cease and Desist ' letter was sent by Certified Mail in XX/XX/XXXX. For 3 months, the company honored that demand. But beginning in XX/XX/XXXX, the company again began sending out collection demands. 

The company placed the collection on the 3 major Credit Bureaus even though they failed to present a single document as required by federal law to " Validate '' the debt. 

XXXX and XXXX  have not responded for 60 days after submitting a dispute. XXXX  responded that the debt was valid even though the debt collection company can not provide any Validation documentation or evidence to consumer. In XXXX, consumer sued and won a similar complaint against XXXX  for removal of false, incorrect information.
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (CA)

Equifax and XXXX consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

XXXX sent my name to a collection agency for the amount of {$100.00} where in a do not owe XXXX this amount for any bill. My ex wife was the primary account holder for 4 lines and my number happens to be under this four ( 4 ) lines but I was not responsible for the bill. My ex wife was the account holder and that was her responsibility while a took over the cars insurances, internet and cable bills. When we got separated she closed the account with the balance owed on it. instead of XXXX billing her the amount she owes they sent me the bill and I rejected it then opens my own account with XXXX  in my own name with a different number. Even the lady that was processing my new account told me I was not responsible for the my ex- wife account because I did not initially opens the account. When I check my credit report I find out that XXXX  debt collection agency has placed that amount on my credit report and XXXX point was deducted from my credit scores. I have called XXXX on XX/XX/2022 @ XXXX to removed the item from my credit report and I also follow up on XX/XX/2022 @ XXXX. I also Called the XXXX debt collection agency and they said XXXX has to resolve the issue for it to be removed from my credit report. XXXXXXXX keep turning me around without any solution to the issue.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (CA)

AWA COLLECTIONS, ACCOUNT NO. XXXX A COLLECTOR FOR XXXX XXXX XXXX XXXX IS DESPITE MORE THAN 10 INVESTIGATIONS THROUGH XXXX  HAS EITHER VERIFIED OR CERTIFIED THAT THE INFORMATION IS CORRECT. 
THE ACCOUNT HAS BEEN RE-AGED, A SERIOUS INFRACTION OF THE FCRA FOR EXPERIAN AS WELL AS THE CREDITOR.THE DOFD IS DURING THE MONTH OF XX/XX/XXXX AND AS SUCH SHOULD HAVE BEEN REMOVED FROM THE CREDIT REPORT BY XXXX. 
XXXX HAS NOT TAKEN THE RE-AGEING CLAIM SERIOUSLY SINCE THEIR CREDITOR CUSTOMER AWA COULD NOT POSSIBLY PROVIDE FACTUAL UNFORGED INFORMATION TO SUPPORT THE DOFD CLAIMED OF XX/XX/XXXX. 
BOTH THE BUREAU AND THE CREDITOR TODAY STAND TOGETHER IN SERIOUS, FLAGRANT DISREGARD AND VIOLATION OF THE FCRA. 
I HAVE PROVIDED THE ARREST RECORD, FILING DATE OF THE CRIME FOR WHICH BAIL WAS PROVIDED BY XXXX XXXX XXXX, THE ORIGINAL CREDITOR, OVER 7 YEARS AGO
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

I received a debt collection letter from afni, Inc. for money owed to XXXX XXXX XXXX. 
I do not have an XXXX XXXX XXXX  account. 
I am not behind on my bills now and never have been behind on any bills in the past. 
I am turning XXXX years old next week, and other than a small car payment, I am debt free. 
I do not have an XXXX XXXX XXXX account. 
There is no way that this is my debt. 
I believe that this is a scam.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

HI PRA ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On or about XXXX 2021 I entered a loan obligation with Capital One Bank XXXX Capital One loaned me {$39000.00} to purchase a XXXX XXXX XXXX. The terms of the loan were at 8.460 % interest with a monthly note of {$700.00} for XXXX. From initiation, I had made timely monthly payments in accordance with the terms of the loan contract agreement. However, on or about XX/XX/2021, I reached out to Capital One customer service, via telephone, with concerns about my loan account balance and for an explanation as to why my account balance was higher than I calculated the figures to be. Specifically, my billing statement for the XXXX of XX/XX/2021 showed my loan balance as being {$35000.00} but according to my calculations the amount should have been {$33000.00}! The Customer Service representative put me on hold to get me to the right person or a supervisor to speak to but then we were disconnected! At any rate, on or about XX/XX/2021, I forwarded a letter to Capital One advising them that I disputed the Account balance and offered to settle the account balance for {$5000.00}. See attachments. Thereafter, I forwarded Capital One a cashiers check in the amount of {$5000.00} to settle the disputed account balance. XXXX accepted the settlement offer cashed the check that I sent to them. To date of this complaint, Capital One has not released the lien on the XXXX to the vehicle as agreed upon in the settlement.
Consumer complaint received 2021-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc (VT)

My credit union gave all members new debit cards, so my existing card on file with Uplift was no longer valid. I entered my new debit card into the Uplift system but kept getting this message : " Card is not accepted. Please try a different debit card or connect your bank account ''.

I began the process to connect my bank account. Uplift uses a third party app called XXXX XXXX XXXX XXXX to do this. The problem- which seems like a scam- is that XXXX requires us to give them our username and password to our bank accounts in order to withdraw Uplift payments. 

" Enter your credentials - By providing your XXXX XXXX XXXX XXXX XXXX credentials to XXXX, you're enabling XXXX  to retrieve your financial data. '' I will never give out my username and password. Who would ( rhetorical ). 

So, the only option I'm left with - because I have no other cards to use - is non-payment ( unless Uplift accepts my new debit card ). I want to pay my bill.
Consumer complaint received 2020-07-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (NE)

I leased my vehicle from XXXX XXXX in XXXX Nebraska on XX/XX/XXXX for 42 months, through Chase Financial. I started receiving end of lease emails in early XX/XX/XXXX. The end of lease emails explained to get an end-of-lease inspection done so you would know what to expect but did not explain it needed to be done through a third party and not your dealership. I had an inspection done at the dealership where I was told that the vehicle looked good. 
The vehicle was turned in early XX/XX/XXXX with 6000 miles fewer than expected a few days before the last payment that came out XX/XX/XXXX. I received a bill today on XX/XX/XXXX that was dated XX/XX/XXXX stating that the lease was terminated early and that two of the tires were too worn and had to be replaced at the exorbitant price of {$210.00} each. During my call I was informed that tires are specifically excluded from {$1000.00} wear deductible they have for leases. But tires is one of the few things you should expect to have wear. 
The bill showed they were charging me for wear and tear and a disposition fee instead of the early termination fee because it was the lesser fee. Neither the dealer nor the bank explained that turning the vehicle in before the last payment is processed will result in an early termination fee. I have tried to talk with the bank and explain to them understand that the lease was turned when it was due to the pandemic and that they took the final payment therefore it wasn't an early termination. I was told multiple times that they will not negotiate with me on the bill and that no one at Chase can fix the bill to reflect that it wasn't an early termination.