davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
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)

I am XXXX XXXX and I am making this complaint on my own accord. I have been a victim of Identity Theft since XXXX. Upon looking at an updated credit report I discovered once again that someone is and has used my likeliness to obtain credit and utilities they have also trie applying for credit using my personal information. The person established a XXXX account which is now in collections for {$540.00} they also established a XXXX account which is charged off and reflecting negatively on my personal credit. There are also inquiries in which I did not authorize. These inquiries are reporting on XXXX and XXXX. For XXXX ; XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. For XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The XXXX account is now a collection with XXXX XXXX XXXX and is reported as a collection with all three Bureaus. These accounts and inquiries are unauthorized and fraudulent. I demand these be removed from my credit profile because they do not accurately depict my credit worthiness. This has had a tremendous impact in my everyday life. I have also filed an Identity Theft complaint with the FTC, my Identity Theft report is attached
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (CA)

XXXX XXXX is in violation of the FDCPA. The are also in violation of the Fair Credit Reporting Act. Under 609 Section of the Fair Credit Reporting Act I disputed this debt against Astra Collection and the validation proof of debt owed and they had to remove from my credit report due insufficient evidence of debt. Astra now has sold the debt to XXXX XXXX who is reporting falsifying information on date account opened, never has notified me nor can reopen a debt already sufficed has false. XXXX XXXX can be sued under FDCPA in State and Federal Court for damages and false reporting. Delete immediately from my credit report of all three credit bureaus.
Consumer complaint received 2020-06-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (CA)

Hello i filed for bankruptcy chapter XXXX and i was discharged so i called gateway one financial services and volunteer surrender the vehicle that was purchased XX/XX/2017 account number XXXX. This contract was between me and Gateway one and was discharged in my chapter XXXX. I never signed reaffirmation contract to continue paying the debt. Now im receiving this letter from Santander Consumer USA attempting to collect the debt when this debt was discharged. I never agreed no reaffirmation contract or clause and this is affecting my credit santander has put a derogatory remark and i would like this to be removed. I called there office provided case number and they said you're correct you have no legal obligation to this and i still see my credit being affected. I need santander to start doing business right and removed me from this account number and stop sending me mail. i never signed anything with santander. I called santander with the same issue over 7 times and they dont undertsand im protected by bankruptcy law.
Consumer complaint received 2020-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to the pandemic we COVID-19 the world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (CA)

National Credit is in violation of the FDCPA. The are also in violation of the Fair Credit Reporting Act. Under 609 Section of the Fair Credit Reporting Act I disputed this debt against XXXX XXXX  and the validation proof of debt owed and they had to remove from my credit report due insufficient evidence of debt. XXXX now has sold the debt to National Credit who is reporting falsifying information on date account opened, never has notified me nor can reopen a debt already sufficed has false. National Credit can be sued under FDCPA in State and Federal Court for damages and false reporting. Delete immediately from my credit report of all three credit bureaus.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I purchased a XXXX  through XXXX XXXX XXXX  in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America, back in XXXX/XX/XX/2017, The atm took My cash and Then gave me an ERROR code stating that there was an issue and I should call the number on the screen. I did that and explained that I put {$100.00} bill in to the ATM but got an error code. 

I was told I had to wait till the bank opened on the following Monday for them to count the money in the machine and credit my account. 

On that Monday I called and they stated that they dont open the machine daily but I would have to wait till Thursday. 

This game went on with Bank of America for WEEKS! I was then told by one of Bank of Americas NASTY reps that I committed FRAUD and must have stuck Paper in the ATM instead of actual money!!!! 

After a MONTH of their investigation it was found that your ATM malfunctioned!!! Nothing I had done wrong .... I was given my money BUT then they turned around and CLOSED my account for Their ATMS issues. 

Which was fine by me because I was fed up at this point. 

Here we are 3 years later ... I am unable to open up a Business checking account with ANY bank ... why ... Because Bank of America listed my account as suspected Fraud!!! 

This needs to be fixed NOW!
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (PA)

I leased a new car through GM Financial about 2 years ago. I planned to make payments by auto pay from my checking account as I always do for repetitious payments. In order to set up auto pay, other companies have always asked me to send them a voided check. GM did not work that way and instead asked me to read to their representative the routing and account numbers from the bottom of my checks. Because I am not knowledgeable about the banking system, I mistakenly read ALL the numbers, INCLUDING THE CHECK NUMBER. The GM rep did not point out any error, I concluded the auto pay setup and the call. I assumed that all was set up and that my payments were being taken from my account monthly. Several months later, I received a late payment notice with late fees and an invoice for several months rental. I called and spoke with another GM rep and gave that person my check numbers again, and the same sequence of events occurred. This scenario continued throughout my entire 2 year lease. None of the reps mentioned that I had read them too many numbers or the fact that the last 4 digits were different each time I read them out ( since they were the check numbers ). The outcome of all of this is that GM sent a poor credit report to  XXXX that lowered my credit score by about 300 points.  I have always taken great pride in my high credit score and complained to GM that their poor report was not warranted because my intent was always to pay on time. The only problem, which should have been caught by the GM reps, was my lack of knowledge of the banking system and their refusal to take a voided check. When I appealed, they responded like robots, saying that, because they did not make an error, they would not withdraw the poor credit rating they had sent out.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to follow up on my dispute letter dated [ XX/XX/XXXX ] concerning inaccuracies on my credit report. It has now been [ 36 ] days since the 30-day investigation period mandated by the Fair Credit Reporting Act ( FCRA ) expired. 

Your failure to adhere to the FCRA, 15 U.S.C. 1681i, which requires a response within 30 days, constitutes a clear violation of federal law. This statute mandates that you conduct a thorough investigation of my dispute and provide a resolution within the specified timeframe. Your inaction is unacceptable and not only impairs my credit standing but also infringes upon my rights as a consumer. 

The disputed items remain unresolved, and the details are as follows : XXXX XXXX Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX XXXX  Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX XXXX  Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX  Type of Business : All Banks Date of Inquiry : XX/XX/XXXX Enclosed are copies of my original dispute letter and the supporting documentation previously provided. Given your non-compliance with the legal requirements, I demand that you immediately : Complete your investigation : Correct or remove the inaccurate information from my credit report without further delay. 
Provide a written response : Detail the results of your investigation and confirm the actions taken to rectify this issue. 
If you fail to comply with these demands within the next 10 days, I will have no choice but to escalate this matter by my rights under the FCRA. 

This situation requires your immediate attention. I expect a prompt resolution to avoid further legal and regulatory actions.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (CA)

I am a senior that was required to apply for a Direct express debit card in order to receive my XXXX payments. This card is supposed to be available for use at any ATM or bank that has a MasterCard logo. I prefer to use the Bank teller for transaction but I have found that after one or two visit l would be redrected from the bank to a atm machine. These atm machines only dispense {$20.00} bills which is a problem if you need {$XXXX}. So I looked at the back of the card and found that the bank that does business with Direct express is the comerica bank. I started going there and was helped inside the bank by teller until XX/XX/19. When i was directed outside again. The ATM made me withdraw two times and I was forced to receive XXXX XXXX dollar bills. Counting that amount of XXXX XXXX in the street is dangerous because you're always looking over your shoulder and you lose count so the machine can short change. 
a person. I was prompted to go outside to this absurdity again on XX/XX/19 and again on XX/XX/19. So i went into the bank a bit perturbed and request in the XXXX exchange for XXXX. When I asked why i always had to go outside to the ATM, The teller dismisses my questions with a XXXX ' I shall not address this issue with you. ' so I asked her if it was an absurd to have all these {$20.00} bills handed to me outside in the ATM. The Teller replied again 'I will not address this issue with you ' She asked me how much i handed her and my reply was that i didnt know and that she should count it. She replied it's my job to count money. I respondedThen do your job. she became bitter and said she would not help me anymore and pushed the XXXX XXXX back to me. I had to find a manager who at least exchanged the bills but refused to give me his or the tellers name. I received a card but it was not whom i dealt with. The card was for a -person named. XXXX XXXX. Assistance banking center manager her phone number is XXXX XXXX - XXXX. I wrote her an email as well as a text message and have not heard from her. I called the social security administration and was informed that all banks that have a MasterCard logo are suppose to allow me excess to the ATM or teller
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

I received an alert on XX/XX/XXXX from my credit monitoring service that a new collection was added to my permanent file from CommonWealth Financial. This is a medical debt in the amount of {$1800.00}, original creditor is XXXX XXXX XXXX. This makes the third collection agency this account has been sold to and each time I have had to prove my identity to the collection agency by verifying via phone and mailing in documents that the information they used to attach this bill to my name is not mine. 
Due to my husband being in the military XXXX XXXX XXXX verified the debt was not mine in XXXX when I literally drove down to Louisiana and handed them my driver 's license, my social security card and proof of my medical coverage and I was told at that moment that none of my information matched the information they have on file so they will remove my name from this account. 
This debt was later sold to agency # 1 and i disputed within 30 days, the collection agency verified via phone that they indeed had the wrong person when I was asked to verify my ss # and date of birth. The agency even had a different spelling of my name and a different middle initial, a different date of birth and a different social attached to this account. I was asked to provide them a copy of my personal information via mail to prove I am not the person they are looking for. Debt was deleted ( not temporarily removed but deleted ) from my file. 
Within a few months collection agency # 2 sends me information stating I owe this debt, of course I dispute within 30 days and this agency sends verification of my ss #, my date of birth and the correct spelling of my name that now match the information I sent to agency # 1. 
The most recent agency, CommonWealth checked my credit on XX/XX/XXXX per XXXX monitoring services so they were provided with a valid mailing address to properly notify me yet instead, they were allowed to add this debt back to my file without notifying me and allowing me the chance to dispute this yet again. My contact information is updated with all three bureaus so by them stating they " attempted to contact by phone or by mail '' is not a valid excuse.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX