davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

XX/XX/2021 I decided to voluntary surrender the car back to Prestige Financial spoke with XXXX XXXX and advised her that it was the best decision to give the car back because it was upside down XXXX and no one would accept the trade in. I understood what what happen and she said someone would ge back to me. 
XX/XX/2021 - received threatening calls again from XXXX XXXX in regards to voluntary surrendering the vehicle again. I stated to her that please come and get the car so we can resolve the issue XXXX I received an email from Prestige XXXX XXXX starting that she had not heard from me in regards to the vehicle. Which was not true we were emailing back and forth since XX/XX/2021. I stated to her that we already had discussed the matter and my decision is final, the sooner we resolve the issue we can move forward. 
XX/XX/2021 I received an email from XXXX XXXX in regards to surrendering the vehicle and he apologized for being out of the office since XX/XX/2021 and he stated that he would send me the paperwork to sign for the voluntary surrender XXXX I received an email from XXXX XXXX stating that they received the paperwork and they will get the voluntary surrender over to the repossession department. 
XXXX I don't know the exact date but someone came and picked up the vehicle I gave them the keys and they stated that someone would get back with me from prestige financial as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with prestige XXXX prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from prestige on the phone and no one ever called me back or sent anything in the mail. 
XXXX I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXX and XXXX in regards to Prestige Financial stating that I would have to appear in court in regards to the vehicle. I never received anything from Prestige or XXXX and XXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXX and XXXX and no one ever returned my call.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

After filinfg an inital dispute because of a scam that took place concerning the Serve American Express card that I purchased, the company replied back saying they can not refund any money becasue the card is not registered. My complaint is, I have tried numerous times to register the card. Even the day of the scam, I tried to register the card, but I recieved the following message. " Oops! We, this is akward. Please try again later. '' a week later, I am recieveing the same message. " Oops! We, this is akward. Please try again later. '' The company will not refund my {$450.00} because I have not registered the card. However, when I try to register the card, the system is telling me there is a problem and try again later. I even called the number to speak to a representative. The repesentitive told me that she could put in the fraud request for me and asked me to go on line to XXXX and place the fraud there. Please resolve this. I think this company is a scan.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (MA)

I am currently trying to fight this due to the fact that I am never late on this account for whatever reason they did not process the payment for that month and as a result they have sent it to collections but I still have the credit with the company.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

I've given info to XXXX more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. XXXX has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. XXXX with their data breach and XXXX for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX, I wrote to Portfolio Recovery disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/XXXX. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/XXXX, I received a letter back from Portfolio Recovery. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also provided a summary showing an amount, alleged original creditor, account numbers and the last 4 digits of my social security number. 

On XX/XX/XXXX, I responded back to Portfolio Recovery, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX, I received similar letters to the ones they had sent to me prior, and they said the same thing. That they were denying any inaccuracies in the information furnished to the Credit Reporting Agencies and their investigation was complete. I never received any signed contract, and I never received any investigative report. So, I still dont understand how they concluded that the debt was valid and belonged to me. They also sent account statements showing consumer purchases. 
On XX/XX/XXXX I responded back to Portfolio Recovery and told them that I was still disputing the debt as no proper validation or signed contract had been furnished to me. In addition, I brought to their attention several consumer laws that they had violated and an amount that they owed me due to the violations. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and also included a return receipt. I have not received the return receipt but on checking the XXXX site, my letter was delivered to Portfolio on XX/XX/XXXX. 
As of today, XX/XX/XXXX, I have not heard back from Portfolio Recovery, and they are still reporting the collection account on my Credit Report. 
This account has not been validated properly and it should not be on my credit report. Please assist in getting a resolution.
Consumer complaint received 2022-08-01
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: CREDIT ACCEPTANCE CORPORATION (NY)

n accordance with the Fair Credit Reporting act XXXX CREDIT ACCEPTANCE Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions this account is reporting open and closed at the same time, how can that even be possible account is report 120 days late and also 180 days late at the same time, how be that be this you your violating my rights Account is reporting inconsistent and inaccurate information you are alleging the negative claims still yet have NOT provided proof of truth, correctness, timeliness, and or else wise adequate COMPLIANCE to all laws protecting consumers. 

I HAVE CONTACTED THIS COMPANY NUMEROUS OF TIMES TO RESOLVE THIS PROBLEM AND THEY KEEP CHANGING MY CREDIT REPORTING EVERY COUPLES WEEKS BUT NOT SOLVING THE PROBLEM I HAVE ALSO REACHED OUT TO ATTORNEY GENERAL PLEASE REMOVE ENTIRE ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2022-01-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC (CA)

To whom it may concern I was coerced into continually running my credit to qualify for a refi mortgage by a loan XXXX named, XXXX XXXX of Nexa Mortgage. XXXX XXXX led me to believe that he needed to continue to run my credit to check for any improvements while knowing that it had no bearing if his company would approve a refi on my XXXX, all the while the continual inquiries on my credit started to affect my score. I was later told by another loan XXXX that XXXX XXXX was only running my credit to fulfill a quote. This type of " baiting '' affects my credit and XXXX 's license as a lending XXXX needs to be suspended. 
Thank you for your attention to this matter, XXXX XXXX
Consumer complaint received 2022-01-15
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (FL)

I have a fraudulent closed/opened account. With a false sales pitch XXXX vacation credit took advantage of my shared information with commenity capital Bank creating an account that was binded with a contract without my consent I didnt authorized this actual account for XXXX that has now accumulated fees making the balance go up for none payment. On XX/XX/XXXX, th me and my boyfriend was led to a XXXX vacation resort with the intentions of gaining XXXX for attendance We came in but had a process you follow. First they sit you down in cubicles asking you to share your personal info check off and signed a few areas to help better your chances on deals information was not going to be used unless agreed upon. Soon after we are in a waiting area eating small snacks before entering the presentation. After the presentation we are escorted to a private table to with a representative to talk on our thoughts on future vacations they kept us there for hours because we kept declining we finally came to agreement but nothing was actually finalized or printed out. We was told we will get the info in the mail since they already had our info. I didnt no I left there in a XXXX debt. After we came home from the trip we later received two congratulations welcomed letters. But we didnt agree upon them so on XX/XX/2020 we called the numbers on the letters to cancel them both. My boyfriend received a letter of a zero balance I didnt but I checked with XXXX  to see if the account was closed and it was. a month later bills from started generating from XXXX XXXX XXXX I called the numbers on the back of the bills that lead you to Comenity capital Bank. During the investigation period I made calls to try to understand when or how this money was used since I never actually seen it. I then learned that commenity bank agreed to a loan on my behalf without my knowledge. When i called XXXX they did a so call investigation too. They both said the same thing even though your saying you didnt sign we have your signatures. There proof was my first copy of the contract that has small docu  signed signatures. I continued to dispute as the account continues to tear my credit apart I just keep receiving random calls from commenity capital bank for payments Im at a lost on what to do.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America approved a fraudulent card request and will not give me the application information I requested so that I can inform my local law enforcement, who will not allow me to make a police report without it. 
The company demands I send a copy of my social security card by mail or fax. They will not allow me to confirm my identity in person at one of it's hundreds of branches. This is not a secure method for conveying my personal data ( and is discouraged by the US government ), but this bank gives me no other option. 
In essence, this policy means I must open myself up to further fraud by making a physical copy of my social security number and then just sending it away to to be lost or intercepted in order to combat the original fraud. I believe this makes them liable co-conspirators in the fraud as they are actively concealing a criminal from my local police department. 
This policy is possibly illegal but most certainly onerous and likely intended to reduce the company 's requests overall, but has the unintended, but very real consequence of stopping consumers, especially ones with limited access to identification like immigrants, the disabled, and people with religious beliefs about having social security numbers from being able to pursue redress for the fraud. In this way, Bank of America discriminates against protected minorities and co-conspires with fraudsters, probably because they know consumers will be forced to pay off these debts in many cases, if they are not caught early and that they will make a lot of money during this time.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (CT)

XX/XX/2022, I received a notification on my credit report that a derogatory remark had been placed by Aldous and Associates P.L.L.C. I have never received any form of written communication either via email or letter from this company about a balance/debt, let alone a chance to dispute such a debt. I received spam robocalls from the company number out of Utah. When I answered it was an an automated robocaller. Any voicemail I had ever received was just an automated phone number. No voicemail ever disclosed I had a debt to settle or an urgent matter at hand. I called the company-who still has not given me my account number. I explained the situation and they refuse to remove the derogatory remark on my credit even though I physically never received any written correspondence or verbal correspondence for that matter. I was willing to pay off a balance of {$76.00} that I had no idea existed but seeing my situation I requested the comment be taken off my credit report. When I asked to speak to someone higher I was told that was not possible by XXXX XXXX. I asked to leave a message and he then hung up on me. So I am still without an account number and unable to pay off this balance that I had no awareness of until today when my credit report flagged.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY. THEY HAVE OPENED THESE FRUAUDLENT ACCOUNTS AND THEY HAVE CAUSED ME SO MUCH FINACIAL AND EMOTIONAL HARDSHIP. I AM TRYING TO BUY A HOME FOR MY KIDS, BUT I AM BEING PUNISHED BECAUSE THESE COMPANIES ALLOWED SOMEONE TO ACCESS MY INFORMATION. PLEASE INVESTIGATE THE PERSON WHO OPENED THESE ACCOUNTS PLEASE. I DONT KNOW WHAT TO DO.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a letter in the mail dated XX/XX/21 saying that claim number XXXX had been reconsidered and was paid via cashier 's check in the amount of XXXX. 

I was notified via USPS informed delivery that this check along with other mail was scheduled to be received XX/XX/21. I did not receive it and I notified Bank of America XX/XX/21. The first of MANY reps assured me he submitted a request for stop payment and reissuance of the check. 

I called XX/XX/XXXX and talked to over XXXX reps who simply don't know anything about this check or process of reissuing payment. The social media care team, fraud online, claims and disputes, all these reps and managers have proven how poor of a service Bank of america provides. It's a shame I had to go to this length to get this issue resolved.
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (DC)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains inaccurate information.

In accordance with the fair credit reporting act if information is found to be inaccurate or incomplete or can not be verified must be removed this is a violate my rights 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions Thank you for your consideration, and I hope you'll approve my request.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by 72 points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2022-10-12
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. (FL)

On XXXX of XXXX I mailed my dispute letter to Transunion and the letter was returned to my home address saying the Transunion 's address was incorrect, why is that! Attached is the Transunion address provided from their website and also the Transunion address provided by you ( CFPB ), and that is the same address I indicated on my dispute mail. What happen? This shows that Transunion PURPOSEDLY IGNORING MY MAIL, and that is clearly a FTC violation. All the negative items on my account under Transunion MUST be deleted.