davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MEI AUTO FINANCE INC (OK)

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX are still reporting some of them. XXXX in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation. I never received notice of this debt or the amount that is shown due on my credit report.
Consumer complaint received 2020-10-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (AZ)

Ally Financial is reporting an auto loan on my XXXX  credit report. They just started reporting about 4 months ago. I called and spoke with them and found out that the vehicle was reposessed in XX/XX/2016. They referred me to a collection agency who informed me that the statues of limitations has past for collecting on this debt. I informed and submitted an Identity Theft Police report which shows the vehicle being mentioned as fraudulent. The collection company informed me that Ally Financial told them to keep the account open no matter what and still contact me to collect on a debt that they know that is fraudulent and also past time limit to collect.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (IL)

I am writing to file a complaint against XXXX and AFNI, Inc. 

On XX/XX/XXXX a collection item was reported on my XXXX  credit file by AFNI , Inc. on behalf of XXXX  in the amount of {$470.00}. I deny owing this debt and I want a full  investigation and removal of this information immediately. I want sound evidence from XXXX detailing the events of my service transfer in XXXX and details to support the debt of {$470.00}. 

Over the past several months to a year, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX AFNI, Inc to date. Accordingly, I am requesting that you investigate my dispute under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ].

I am requesting your assistance in putting an end to this matter. Please review the attached details and other documents. If you have any questions or need additional information, please contact me at the address listed below.

Thank you for your assistance.

Details : 1. In XX/XX/XXXX I was living in apartment at XXXX XXXX XXXX. XXXX  XXXX, XXXX, IL XXXX. During that time I had, and still have, XXXX cable. 

2. During the same month of XX/XX/XXXX, I switched apartments moving from XXXX  XXXX to XXXX  XXXX. I made arrangements with XXXX to have the service transferred. 

3. On XX/XX/XXXX, the attached XXXX bill shows a balance of {$230.00} for XXXX  XXXX. 

4. On XX/XX/XXXX, the attached bill show a credit {$230.00} and a {$0.00} balance. 

5. Conversations with a XXXX representative said they would link the new account, because I wanted to keep my email & same land line phone number. The attached document dated XX/XX/XXXX is a confirmation email from XXXX stating the accounts have been linked. 

6. XX/XX/XXXX is a summary of new service. See attached document. 

7. XX/XX/XXXX is new service address for XXXX  XXXX, with an amount due of {$2.00}. 

8. XX/XX/XXXX payment was received {$2.00}. 

9. The rest of the story is history. I am still residing at XXXX XXXX XXXX. XXXX  XXXX, with the same XXXX service from XXXX. 

10. Over the past several months I have disputed this matter with XXXX directly & I have gotten no answers and more importantly no evidence or details proving that I owe this debt to them. 

11. On XX/XX/XXXX, I received an alert from XXXX  stating that a collection item was reported on my file by AFNI, Inc. I called AFNI to confirm if this was from XXXX. 

12. If, I owed them past due balance they would have ended my service with them. Its been over 2 years & I still have no answers. XXXX is clearly in the error and they are trying to push their poor record keeping on me. I will not stand by and be robbed by this giant who is bullying customers.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (WA)

XXXX  XXXX XXXX reportedly announced me as guilty of check fraud because I had reported it and drawn funds against a check I had deposited. This was then used against me by XXXX XXXX   using XXXX XXXX as a credit reporting agency. 

XXXX  is waiting for an associate with XXXX XXXX to admit that she had made payment arrangements before the payment was late. This has since been paid in full but still holds up my credit report somehow, further impeded by the multiple efforts to get a mortgage refinance so I can get out of debt sooner. These inquiries, about 50-60 total, also hold up the process.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (DE)

Lowes credit card ( synchrony bank ) is turning down my dispute for roughly XXXX $ they lied on the phone and said all my signatures are on the receipts with in the 56 transactions Ive opened 5 claims sinceXX/XX/XXXX sent affidavits which they say they never received which Ive mailed faxed everything. They wont send me the proof of receipts with the signatures. This is ruining my credit and they are breaking their 100 % fraud they had in there forms when I applied for the credit card and they have record of my account being hacked and turned over with other peoples information took me months to get the info changed back to my information. I just want this dispute closed and off my records worst credit card services with no protection would high recommend to not do anything through synchrony bank
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

I had a hospital bill from XXXX XXXX that was for {$86.00} from 2014. It was paid and now 5 YEARS later Wakefield and Associates reach out to me asking to pay again. I knew it was a scam that they couldn't prove that it was paid. I looked them up online and indeed, they have been scamming people.
Consumer complaint received 2020-10-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
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 ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2.  XXXX XXXX  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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

THIS ACCOUNT WAS ESTABLISHED IN 2014 AND I HAVE NEVER BEEN 30 DAYS LATE ON A PAYMENT. MY ACCOUNT SHOWS 5 YEARS NEVER LATE AND THERE WAS A PROBLEM WITH MY ACCOUNT SHOWING 30 DAY
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

I terminated my car lease on XX/XX/2020 The term of the lease was 36 months for $ XXXX/month. XXXX is reporting to the credit bureaus that : ( i ) the payment was {$320.00} a month ; ( ii ) that the account is not paid in full ; and ( iii ) that I missed payments in XXXX and XX/XX/2020. I have documentation evidencing that everything that XXXX is reporting is false and inaccurate. 

I disputed this with XXXX  and lost. I have a pending dispute with XXXX. XXXX has not corrected the information.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (LA)

MONEYLION- Account Was Opened ( XX/XX/2020 XXXX And Was Closed ( XX/XX/2020 XXXX Loan Amount {$1000.00} Amount paid back By ( XX/XX/2020 XXXX {$1600.00} Credit Report says MONEYLION- Account opened ( XX/XX/2020 XXXX and still open. 
Balance {$1100.00} Highest Balance {$1000.00} Monthly payment Amount {$3000.00} Term 12 Months. 

This Is Absolutely Incorrect, there isn't a loan company in the entire world that would require 12 months of {$3000.00} per Monthly payment on a loan of {$1000.00} dollars. If This Were A true statement that would be {$36000.00} dollars After 12 months of payments for a {$1000.00} dollar loan. 
Its Impossible For That To Be Correct And It Is An Error And Incorrect. 
My Credit score was Affected So Badly From This Incorrect Error And My credit score Has Dropped Due To This Issue. 
My MONEYLION loan Was Paid Back In 10 days And It Wasn't A 12 Month term it was a payday loan. After Paying back The Loan When I Received My Pay-Check My Account Was Closed And All Was Paid And In good standing. 

Now After My credit score dropped XXXX points from the Error. If The Report Was Real That Would have made the {$1000.00} dollar loan have an interest of 3,900 % interest on {$1000.00} dollars.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt collectors.

This information is incorrect. The following is accurate : 1. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX XXXX XXXX. I filed the lost/stolen claim at the XXXX store XXXX. The verizon store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (OH)

This is in relation to Capital Accounts LLC, address showing on my XXXX  credit report is XXXX XXXX XXXX, XXXX, TN. Phone number XXXX. 

I saw a collection account on my credit report for the amount of {$660.00}, owed to XXXX XXXX. This was surprising to me, as I had only ever in my life been to one XXXX, and it was one located 2 miles from my house ( XXXX is located in XXXX, OH - a place I have never been ). Clearly this account was not mine so I contacted Capital Accounts to have it removed from my credit report. 

When I first called on XX/XX/XXXX at XXXX ET, they could not locate me based on my information - name, social security number, date of birth, phone number, etc. This should have been a red flag for them but they required me to go back to XXXX to get the unredacted account number for their own collections account. This was an inconvenience but there was no other way to proceed, so I did so. 

I then called Capital Accounts LLC back on XX/XX/XXXX at XXXX ET. I gave the representative ( XXXX? ) the account number and she asked me again for my personal information, which she indicated did not match what they had on their side. Again, this should have been a red flag for them but they indicated they would contact the client ( XXXX XXXX ) to figure out what went wrong and that they would call me back on either Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at the latest. 

Having not heard from Capital Accounts, I called them at XXXX on XX/XX/XXXX to check the status. The representative on the line was rude and told me I would " just have to wait until they called me back ''. He then proceeded to rudely hang up on me. 

After this call, I decided to directly call the XXXX in question ; the lady there was very receptive, quickly identified that the account was not mine, and agreed to reach out to Capital Accounts to have the issue corrected. 

My complaint here is that Capital Accounts LLC wields a fair amount of power in placing collections onto people 's credit reports ; an errant entry there can wreck a consumer 's credit score and cause real damage ( monetary and otherwise ) as a result. I felt that Capital Accounts LLC was disorganized and unwilling to assist a consumer who clearly had been incorrectly tied to a collection - all of that on top of their lack of diligence in the first place in terms of how they tied the collection account to me ; it appears they did nothing more than look for XXXX XXXX ( a fairly common name ) born in the same month and year as I, and grabbed the first person they saw ( or perhaps grabbed the first one with an excellent credit score ). This company needs to fix their processes or, failing that, should be shut down. I sincerely hope that no other consumer has to go through what I went through here.
Consumer complaint received 2020-10-14
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: CORELOGIC INC (GA)

The following credit agencies XXXX XXXX Credco a.k.a. CREDCO, XXXX XXXX, XXXX XXXX, XXXX   obtained my credit report on ten different occasions without my verbal or written consent and claimed they had " permissible purpose '' and that it outweighed my verbal or written consent. I never received a written request from anyone asking to pull my credit nor did I receive a letter or phone call informing me that they had pulled my credit and for what reason ( s ). To date I have no received any info or updates about my disputes/requests for info. My Credit was pulled on : CREDCO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX *All ten of these credit pulls were HARD INQUIRIES and have cost me several points on my overall XXXX and XXXX credit scores. These 3 companies violated all types of FCRA laws, rules and regulations as my credit files were frozen during the times these credit inquiries were made and acted on by the 2 bureaus and credit companies. My credit reports were frozen during the following dates for all 3 bureaus : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (WV)

I purchased an XXXX form Apple.com in XXXX. I signed up for the Apple Credit Card ( Goldman Sachs ) It was supposed to be interest free for 24 months. Goldman Sachs started charging me interest in XXXX ( the first full month I had the card ). I contacted them and they told me it was not set up as interest free. The representative said they would refer it to manager to see if they could switch it over to interest free. I waited a week and never heard anything. I contacted Goldman Sachs again through text. A supervisor asked me to give them a moment to review my account. That was two days ago. I have stilled not heard anything. I contacted Apple and I was told it was supposed to be interest free from the beginning. They transferred me to Goldman Sachs and there is a two hour wait time. They have already stolen {$30.00} from me and now I supposed to wait two hours to talk to someone that refuses to help me. I need help.
Consumer complaint received 2020-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (WI)

I took out a loan of {$500.00} in XX/XX/XXXX. In XXXX of XXXX, one payment needed to be deferred and asked to be placed on the end of the loan. What was not explained was that this would cause the loan to be tripled, and in fact stretched out until XXXX of XXXX. I reached out to ask how was this possible, and that I had already paid almost three times the loan back. I was then explained that my loan was not through Spotloan, rather another company titled XXXX XXXX XXXX. 

This was never explained to me as well. I feel that Spotloan and XXXX XXXX XXXX  are utilizing unfair, deceptive, and abusive acts and practices. We are in the middle of a pandemic, and most citizens ( like myself ) have to choose between working and home schooling children. I am okay with paying what is owed but to extend a loan for 5 more months because of one payment deferral is insane. In addition, I apparently have a loan with a company I never agreed with or knew I was borrowing from. I've asked for calls back and they keep saying someone from their " legal team '' will call me but never have.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (LA)

Opened an account with the promise for {$200.00} bonus so long as I met requirements which I did. Waited for the funds to post within the recommended 3 month window. Called customer service and they asked my for a coupon code which I never received more did it say I needed one only requirements mention was a direct deposit of a minimum {$500.00}. Customer service told me to go into a branch that they could not help me. Went to the branch and the branch told me the coupon code had to be entered within 10 days of opening the account also never mentioned I feel lied to and am absolutely disappointed as I went as far as to move all of my Accounts and deposit to Chase bank and Did not receive my {$200.00} bonus.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX credit card company closed our credit card in XX/XX/XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from XXXX XXXX XXXX. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date XXXX XXXX XXXX closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After XXXX XXXX XXXX closed my account, I paid XXXX XXXX XXXX when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or XXXX  XXXX XXXX " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote XXXX XXXX  XXXX. I called XXXX XXXX XXXX and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to XXXX XXXX XXXX who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, XXXX XXXX XXXX continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XX/XX/XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But XXXX XXXX XXXX and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.