davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (FL)

My son, XXXX, purchased a vehicle through Bridgecrest ( XXXX XXXX ). I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through Bridgecrest at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. Bridgecrest is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. XXXX  only accepts their version. This is wrong! Can you help me?
Consumer complaint received 2021-01-26
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be resolved ASAP!
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Filed dispute letter XX/XX/XXXX and XX/XX/XXXX for verification documentation and accuracy of this account and have not receive requested documents, per, Section 609. Spoke with collection agent from Resurgent Capital Services/LNVN and XXXX XXXX XXXX  agents on XX/XX/XXXX and was verbally informed that I have no account with XXXX XXXX XXXX, and XXXX XXXX XXXX  were not able to find my information with them nor provide any evidentiary documentation for accuracy and verification. I requested to have this information removed from credit report. And the customer service agent was very rude and disrespectful.
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (AZ)

I wanted to rollover money in an IRA from XXXX Bank to Discover Bank. I submitted the forms sent to me from Discover. I got the check from XXXX Bank. I endorsed the check to Discover IRA account and then everything went wrong. Discover Bank said the wrong forms were sent. I called them. They sent more forms. I called again. They said I did not sign in the right place. They have my deposit for at least 2 weeks, just sitting there and refused to put it into my IRA account. They refused to send me the form back, marking where I need to sign or date. They only will send another blank form. I talked to the supervisior, XXXX who would not put the money into my IRA acct. I have talked to at least 5 different people without resolve. She admits I have gotten the " run around ''. 
I finally said I want the check back or deposit it in my IRA account. She said they will send the ( already endorsed ) check back and I should now contact XXXX bank for a new check. This is preposterous. The forms packet they send consists of 52 pages. No one can decifer what it is they want to open an IRA there. In the meantime, I have only 60 days to do the rollover.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I previously dispute inaccurate and incomplete bankruptcy entry on my credit report, Transunion refuse to correct inaccuracies in my report regarding Bankruptcy entry. It is a direct violation of FCRA for the XXXX to not disclose the furnisher of information. The entry of bankruptcy on my report is inaccurate. I Attached the letter from the Bankruptcy court that explicitly details that they do not furnish any information to credit bureaus. I disputed with Transunion. Transunion must delete the bankruptcy for violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). Under FCRA I Have right to maximum possible accuracy as the law states : " reasonable procedures to assure maximum possible accuracy '' but Transunion does feel that they are above the law. So instead of deleting the entry, XXXX double down on not deleting. I want this bankruptcy deleted from my credit report because Transunion violate the law.
Consumer complaint received 2019-01-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$410.00} due to unforeseen circumstances. 

I can instead offer the total amount of {$100.00} which is 75 % or {$200.00} which is 50 % as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Prosper Marketplace, Inc. (NJ)

This is XXXX XXXX.i was searching onling for personL loan company to fix my credit, a pany contactes me afternoon XX/XX/XXXX claimes their name is ( Prosper Llc ) and they staftes the process throuvh phone call to deposit {$2000.00} .00 thwn they asked for my user name and password for my bank account ( XXXX  ) i refused bit they convinsed me for a security reason.in few hours i got the XXXX  at my account .they told me to withdraw fhe money and send it by Bitcoins.i went to XXXX  to use the Atm of Bitcoin.i have all reciepts.untill that moment i dis n't know it was the bank money by Claims..this morning XX/XX/XXXX at XXXX am i recieved a phone call from the company telling me that they deposied another XXXX XXXX  and i have to send it back by Bitcoins.i realised theres something wrong is going on..i checked my bank transaction and it turns to be that they usesy account and claimed for the above mentioned money..it means it was not deposited by them.i contactes XXXX XXXX..my account is gona be minus..i don't have this money and they need a police report.below is the name of the person, phone number and emails andif its possible i can submit all other socuments. 

XXXX XXXX XXXX XXXX They also threaten me to send more moneys but when they knew that i realized its fraud they dissapered
Consumer complaint received 2018-12-13
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. (VA)

On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and XXXX and transunion and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXXand they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (SC)

I spoke to Hyundai financial in the month of XXXX and XXXX and they advised me that once I made 6 payments they would give me. Deferment. I call in XXXX and after I made the 6 payments and they told me that I would need to wait 12 months. I called them almost three weeks ago and requested to have the calls from XXXX and XXXX pulled so that could hear what was said to them a supervisor was supposed to call me within 72 hours after they listened to the calls and after 3 weeks I still have not heard anything. I need a resolution ASAP because they are pretty much taking my issue for granted.
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-01-26
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my lawyer and file a lawsuit if this is not removed ASAP!
Consumer complaint received 2018-12-12
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: JPMORGAN CHASE & CO. (MI)

Im Apply Chase bank Credit cards 2-3 times because my debit card is chase bank .. Im new in United States So chase bank not give a credit card I think short credit history but Im not sure.. so now 3 hard inquiries in my report and some others I dont know about others.. so please remove hard inquiries in my report because its hurt my score .. 
Thank you
Consumer complaint received 2021-02-10
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. (TX)

Receive a responds stating my dispute was verified. I requested a Method of Verification and it was not provided. I have proof from the courts that they don't provide any proof to credit agencies and they informed me although it's public records the courts do not report to any agencies. I was informed by a representative that your agency do receive files from a 3rd party vendor.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-12-11
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: Resurgent Capital Services L.P. (CA)

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i usually use my bank account for business, i use XXXX  on the account and trade bitcoin etc. one of my customers sent me a payment to my XXXX  so in return i am supposed to send her bitcoin  in return which i did, but she reported my bank right after requesting the money she sent multiply times .. sshe reported my bank and my bank of america locked me out of my account.. i dont know why anybody would be so cruel to do that, anyways now im locked out of my bank account and i tried calling my bank to resolve this issue but the representatives said my bank was closed, and i have pending payments sent too my bank already, im here to report the woman that did this for fraud ( an attempt to defraud me of a {XXXX} ) and secondly get back my bank of america..she has a ponze scheme with bitcoin.. the gmail she used to send and request the money back is ( XXXX ) her name is XXXX XXXX
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2021-06-09
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: WELLS FARGO & COMPANY (NC)

In XX/XX/XXXX, charges were made to my account number in the amount of {$580.00} which I told Wells Fargo were fraudulent. They asserted otherwise. On XX/XX/XXXX after I asserted otherwise they credited {$580.00} back to my new account as they found that the charges were made without my permission. Since that time I have not received any further statement from them they I owe this amount. In XX/XX/XXXX, a trip we had paid for was canceled and the trip provider, XXXX refunded {$3600.00} to the card I charged it on which was my old account number. Wells Fargo only remitted {$3000.00} back to me. The total refund was {$3600.00}. Apparently they applied {$580.00} to the fraudulent charges which they had previously refunded to me. I asked them to give me the entire refund which they refused to do. If they feel I still owe them the {$580.00} which were fraudulent why have they not billed me for that amount and why did they refund them? I feel they owe me {$580.00}. I would like my money back. They were very uncooperative.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. It's important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2021-03-26
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 (LA)

i XXXX XXXX transferred money to my another bank account and on my end it says complete i did the transfer on XX/XX/2021 in the mount of XXXX and in the mount of XXXX the money mioney never was sent to my another bank account and was not put back in my bluebird account and they refused to to give me my money back as of to day its been 4 days the man was supposed to call me back the next day never did and every time i call and get someone on the phone and they look at my account they hang up on me tried 2 time today XX/XX/2021 and both times i got hung up on please i just want my money back that they steal from me its bad when my own bank is stealing my money and they want give it back they said someone will call me today XX/XX/2021 and they never did they want even tell me what is going on it took me 2 day before that to get them to even open a case report and they still act like they ant even doing anything about my money missing out of my account the man said he need 3 day to check eveything out and then they will bee able to help me he was supposed to call me back the next day like said earlier he never called and still has not called me as of todays date XX/XX/2021 my money still is not been put back in my account and still have not heard anything by phone or email and its been 4 days now and now i cant even get my money off my card to close my account i feel they going to try to take even more of my why they want let me get my money out.
Consumer complaint received 2021-02-10
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: CITIBANK, N.A. (NY)

I used my debit card to purchase prescription lenses for glasses that i already owned. The prescription was filled incorrectly, so i retuned the glasses with the lenses to be corrected. Then the store declared bankruptcy. I went to the store to see the situation, and discovered the optical section of the store was gone. I spoke with a manager and the gave me a phone number and email address that I could reach out to. I did that, but never recieved a response. So now I don't have the glasses i previously pirchased, and obviously don't have the lenses that I paid for. I then reached out the the general store for guidence and they told me to dispute with the bank I was dealing with. I did that, I submitted all the papers they asked for via email, and then regular mail. Today I recieved a letter stating they closed the case because I am responsible for the charge, even though I never recieved my item. They provided me with a copy of the purchase receipt. I never said i didnt make the pruchase, I said i never received the item. 
XXXX # XXXX
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

On XX/XX/XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX placed a collection on my XXXX credit report from " XXXX XXXX XXXX '' in the amount of {$500.00} stating the debt was XX/XX/XXXX. I have not only not received a letter allowing me to disputed this collection as required, I have no knowledge of this debt or the original lender.

I contacted them by phone today and they referenced an email address and bank account that hasn't been opened since XX/XX/XXXX which makes me think they are re-aging a long expired debt that is out of Sta
tue of Limitations to collect on.

I was offered that I could pay to have it deleted instead of going through all the hassle of disputing it which also sounds fishy and illegal.

This fraudulent collection on my report has now caused great harm in my prefect credit report with no blemishes and lowered my score by more than 60 points.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

We received notice from the home insurance company ( XXXX ) that the policy had lapsed because the lienholder/mortgage company ( Wells Fargo ) did not pay the premium. XXXX claimed that Wells Fargo was not the listed lienholder. However, the mortgage was neither sold, nor had we refinanced. Eventually, Wells Fargopaid XXXX and the home insurance was reinstated. However, XXXX is now claiming that in XX/XX/2021 paperwork was submitted to refinance the mortgage and change the mortgage company. We never refinanced, and have not changed the mortgage company. 

XXXX refuses to correct the paperwork or provide us with any assistance in correcting their error.