davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

AR Resources had inputted on all three of my credit reports that I owe {$1800.00} from XX/XX/2018 and {$1200.00} from XX/XX/2018 and {$870.00} on XX/XX/2018. I have disputed it with all three credit bureaus. The response I received back to validate the information was an actual document from the hospital violating the HIPPA law, showing my name, my dates of service and the cpt codes, the description of my visit and the Dr who treated me at the time. Nothing that confirma this debt is mine, no signature, no contract anything. Just my personal Dr records. that they should not be in possession of. When I called them in late XXXX to express that they have violated the HIPPA law to remove those delinquencies at once. The rep and her manager got very angry with me and advised me that they didn't send me the letter when the envelope is from AR resources and notes their address.
Consumer complaint received 2020-10-06
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. (GA)

I am a victim of Identity Theft ... .I have submitted all of the proper documentation including a copy of a Police Report and Identity Theft affidavit to all 3 bureaus ... .This has absolutely ruined my life ... .I have never lived in XXXX, Georgia !! ! I haven't applied nor attended any School ... yet XXXX  continues to report 4 charge off student loans on my credit file ... Acct # XXXX in the amounts of XXXX and XXXX and acct # XXXX in at the amount of {$4300.00} ... ... Equifax continues to report 2 charge offs with the same Student loan accounts ... .and Equifax continues to report these XXXX XXXX XXXX the amount of {$2000.00}!!! These accounts are not mine ... .they are FRAUD and they have failed to respond to any of the documents that I have submitted!! I am more than ready to pursue legal action against all involved!! Just look at the big disparity between the 3 reports ... .XXXX  is the only bureau that has done the right thing here!
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America, XXXX XXXX Master Card has been falsely/erroneously charging me for a rental car charge made fraudulently in XXXX, XXXX in XX/XX/XXXX. Further, BOA falsely/erroneously repeated the same charge twice without any basis. BOA has admitted that they made an error in charging my card erroneously however they have not resolved the issue to date ( XX/XX/XXXX ). I have been in frequent contact with BOA trying to resolve this issue, both on the phone ( several hours waiting on hold ) and at a local BOA branch. I have submitted a police report to BOA which was issued by the XXXX, XXXX Federal Police, yet BOA has refused to refund the original fraudulent charge of {$440.00} and indeed charged my card a second time for the exact amount ( {$440.00} ) without any basis. BOA credited my card {$440.00} while " investigating '' my claim, but last week charged my card another {$880.00}, stating that " We confirmed statements were mailed to the address you provided for this claim and payments have been made on the account '', with no other clarification. I am frustrated and feel like BOA has stolen money from me and has not complied with their credit card contractual agreement. Lastly, I have not used any of the XXXX miles which I have earned and fear losing them if I get rid of the card.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Quall Cardot LLP (CA)

Quall Cardot removed {$2500.00} from my savings account from a XXXX XXXX credit card debt from XXXX. I am a single mom in between jobs and this was my rent $ $ $ and living money between jobs. They put me in a situation where I do not have rent money, food money, my car payment, and gas money to get to work. They removed money from my savings account after the stimulus was paid, and I received it back for the same reason. I put money in my savings in order to set it aside for rent/car/daughters tuition/etc. The debt came after a medical emergency and i plan on paying back but need this money back ASAP.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is not a duplication of complaint! 

Therefore, I am refiling my complaint and asking the CFPB to actually read opposed to trying to dispose consumers complaint as duplications. 

The following compliant I am filing against TransUnion has to do with illegal reinsertion of a deleted account without prior notification as mandated by the FCRA, FDCPA and should be investigated as such, a separate complaint was filed against XXXXXXXX XXXX for buying and reporting debt that was disputed as fraudulent not belonging to consumer. 

As stated, two different issues requesting separate investigations/complaints. This specific complaint : TransUnion has illegally reinserted debt that was removed and disputed as fraudulent not belonging to the consumer. 

TransUnion violated the FCRA, FDCPA by refusing to notify the consumer prior to reinserting disputed debt. I disputed a XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account it was removed from the TransUnion credit report. 

TransUnion reinserted the disputed debt with full knowledge this item was removed by XXXX then sold to XXXXXXXX XXXX who name is still attached to said account. 

The law is clear TransUnion is required to all consumers prior to reinsertion of disputed debt that was previously removed and can not deny consumer a chance to dispute said debt prior to reinsertion. 

I am asking TransUnion to show proof consumer was notified within the timeframe as outline by the FCRA, FDCPA prior to reinsertion of fraudulent debt. 

TransUnion intentionally denied the consumer their legal right to dispute reinserted fraudulent debt prior to reinsertion in direct violation of the FCRA and FDCPA. 

I want CFPB to investigate this practice of reinserting disputed fraudulent deb that was removed and not following the law and giving consumers the right to dispute prior to reinsertion how many XXXX XXXX XXXX XXXX had TransUnion used this deceptive business practices and intentionally lowered theyre credit scores and purchasing power I want the CFPB to enact or enforce laws that prevent credit bureaus from reinserting debt that was removed and disputed as fraudulent and why TransUnion is not giving consumers a chance dispute reinsertions or notification of reinsertion. 

I want the XXXX account that was removed, disputed as fraudulent not belonging to me removed again from my TransUnion report and not allowed to by resold and reinserted.
Consumer complaint received 2022-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (ID)

When the loan was initiated, it included GAP insurance which turned out to be unnecessary. It was cancelled, and the amount of the premium was applied to the loan before the first payment was even due. The payment should have been applied to principal on the loan, but instead the lender ( KIA Finance ) treated it as if I made extra payments. Since the amount did not quite equal 2 full payments, they continually sent me notices of late payment for the remaining portion, even though every month the full amount of the required payment was made timely. I tried calling to get it corrected, but they would not even speak to me " until I brought the account current '' when in fact I was not only current but had made a significant advance principal payment. I then sent them a letter including a full explanation and an amortization schedule, which they ignored and they continued to issue inaccurate monthly statements. I have since sold the vehicle, they were paid off on XX/XX/2022 and they also got a refund for my extended warranty that I cancelled on the sale. They have had over {$2000.00} of my money for nearly 2 months now and have not yet issued a refund. When I called today they indicated that it will still take several more days because they are understaffed. They were not even going to acknowledge that they had my money until I called them out on it. This is the most dishonest lender I have ever worked with. And they do not provide any opportunity as a consumer to have them correct their error because they will not speak to you. I would never take a loan with them even for a 0 % interest rate.
Consumer complaint received 2021-05-07
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. (NJ)

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that an account that is part of Identity theft and that was removed last month came back on my report alleged account XXXX, so I am asking to please remove it from my credit report, they remove it once, so why they brought it back if the account does not belong to me?
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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 XXXXXXXX XXXX XXXX and the subsequent response received on XXXX XXXX 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 ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, XXXX  and Trans Union requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # 604 you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

I had a collection account on Experian that was removed and after about six months the account was added back to my credit profile.

According to 15 U.S. Code 1681b ( 2 ), I didn't expressly give Experian written permission to furnish a consumer report about me, nor specific entries contained within a consumer report.

As a consumer, pursuant to 15 U.S. Code 1681b ( 2 ), it's my right to have a say so as to what appears on my consumer report and I'm demanding that Experian remove the collection account that XXXX XXXX  ( also known as XXXX XXXX XXXX ) illegally placed on Experian as well as XXXX. 

Thank you, XXXX
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

ISSUE : Closing on refinance with rental property prior to increase in fees to homeowners by XXXX XXXX and XXXX XXXX in XX/XX/XXXX. 

Explanation : My name is XXXX XXXX and on XX/XX/XXXX ( over 10 weeks ago ) I applied with AmeriSave to refinance my rental property located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX in XXXX XXXX. My property is a condominium. My credit score is over 750, my debt to income ratio is great/not a problem, and I have turned over/uploaded all requested documents to Amerisavie without any delay. Despite this, AmeriSave has been misleading me and intentionally dragging-out my closing so that I will be charged or assessed more fees to refinance due to the pending increase of fees that will occur in XX/XX/XXXX by XXXX XXXX and XXXX XXXX. Amerisave loan officer ( XXXX XXXX XXXX and his XXXX XXXX XXXX ) ) alleged supervisor ( XXXX XXXX XXXX have stopped communicating with me regarding my refinance. I sent them an email on XX/XX/XXXX asking about the status of my loan and received no response to date ( XX/XX/XXXX ) from the loan officer or his supervisor. This company also lied to me and said they would lock my interest rate and never did. I checked my portal with amerisave on XX/XX/XXXX at XXXX today and still no update, no closing date, nothing. It just sates there is nothing more I need to do in order to move my loan forward. Amerisave also had me change my mortgagee with my insurance to Amerisave on XX/XX/XXXX and still never closed on my loan. This is outrageous and Amerisave 's behavior has been unprofessional and misleading and that is me being generous.
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

When I downloaded my free credit report from XXXX XXXX today XX/XX/2021, I found that XXXX XXXX claimed that it had debt from an original creditor, Citibank NA. I was unaware of any debt I may have had through Citibank. I called various numbers at Citibank, which referred me to other numbers at Citibank, none of which could find anything under my name and SS #. XXXX at Citibank told me on the phone to contact Applications. I am going around in circles, and debt buyer XXXX XXXX was unreachable. It purports to have a debt of {$500.00}, but both Citibank and I are unable to verify this alleged debt.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I went to XXXX XXXX XXXX  and purchased a XXXX XXXX XXXX XXXX. I paid a {$11000.00} down payment. After signing contract and closing the deal, weeks later the dealership states the finance fell through. I was not informed of the dealer running my credit after deal was complete. The dealer would tell me that they were working on a new deal with the finance company that would lower my payments. I informed the dealership not to run my credit no longer and Im requesting them to fix it. Before going to the dealership my credit score was XXXX, after the deal, my credit dropped to XXXX. The dealer had run my credit and lowered my credit score to XXXX. I only found out about them running my credit was by getting credit alerts. even after demanding they stop running my credit, they continued to submit my info to banks, lowering my score even more. I have attempted to speak with them in reference to this and no results. I had to pay for damage caused to the tires on the vehicle due to an employee at the dealership over and under inflating the tires. I was informed the vehicle had proper maintenance done it. That was not done, the oil light came on the next day, which I had to pay for myself. The only solution the dealship has is to allow them to keep running my credit to close the deal. They are concered about closing the deal, but I am more concerned with how they tore my credit down without my authorization.
Consumer complaint received 2022-02-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (FL)

I was shocked when reviewing my credit report and found late payments on the dates below : 60 days late as of XX/XX/202030 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: The CBE Group, Inc. (TX)

I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Amount of {$14.00} was erroneously charged to my capitalone credit card account XXXX on XX/XX/2021. Merchant name of the charge was XXXX XXXX XXXX XXXX WA. 

Charge was disputed with Capital one over the phone and requested documentation was sent by fax to Capital One. Temporary credit was given but then on XX/XX/2021, CapitalOne re-charged the amount of {$14.00} back on the account claiming that they didn't receive the information they needed! 

I emailed Capital One Director of Complaints XXXX XXXX at Capital One but received no reply.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Onity Group Inc. (CA)

This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX
Consumer complaint received 2019-09-05
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. (CA)

On XX/XX/2019, I purchased 4 XXXX cast iron camp griddles. I was billed on XX/XX/XXXX on my Chase card 4x {$89.00} for a total of XXXX. Over the next few days I tried to reach the merchant, and searched for tracking # s, all to no avail. 
I saw on social media that this was a scam, and contacted the XXXX XXXX directly and I was informed that yes, this was a scam. 
Around the XXXX of XXXX, I purchased more griddles from Amazon, and they were received without problems. I also contacted Chase at this point to have them removed the original charge for something I did not receive. I was told they would removed the charge and send info to their fraud dept. A few days later I checked my card online and noticed that the charge was back on my account. I called Chase immediately and was told that they had contacted the merchant, and the merchandise had been shipped and received. 
This person gave me the tracking # s and assured me that they had reached the merchant and had been told it was a valid charge. 
When we checked the tracking # s, I found that they had shipped a small package and had delivered it to my mailbox on XX/XX/XXXX. It weighed less than a pound. The griddles weighed 134 pounds. I realized that I had received this package. It contained 5 small plastic cards about the size of a credit card. I had no idea what they were and info on the envelope only said it was shipped from XXXX, but because I had saved it the tracking # matched what Chase had given me. Another tracking # said it had been delivered to someone in TN. I don't know anyone in TN. 
I have talked to 19 people at Chase, each time I speak with them they tell me they get it and will remove the charge, then in the next few days they repost the charge. Several of those people have admitted to me that they had no contact information for the merchant either. 
I have filled out and faxed a complaint form, including pictures of what was shipped to me. This week I talked to one person who offered me a {$100.00} gift card for my trouble. I turned it down, but it indicates to me that they are not being fair. 
I have had an account with Chase for many years, and have always paid my bill on time. I can't understand why they are taking a shady merchant side over a good longtime customer.