davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/XXXX, I leased aXXXX XXXX XXXX. The lease was administered with Chrysler Capital. When the lease was up in XX/XX/XXXX, I requested an extension due to COVID-19. Even though I was given misinformation by Chrysler Capital, I continued to make all of my payments. I was never late or behind ; I was completely up to date. Every time I spoke with Chrysler Capital, I was always informed that I could not get an extension since I was behind. Each time I told them that I was up to date and after a long hold, I was advised that I was in fact not behind on payments, in XX/XX/XXXX, I discovered that Chrysler Capital had notified the credit bureaus that my account was 90 days past due, which was completely false. When I called Chrysler Capital, I was first informed that they had sent a letter to the credit reporting bureaus that I was in fact currents d they reported me in error. When I asked to see a copy of the letter, I was told no and that their records show that there was no problem with my account.To date, this 90 day past due is still in my credit file. As a result, even though I was able to get a loan when I purchased the XXXX XXXX in XX/XX/XXXX, I am sure that my payments are higher as a result of Chrysler Capitals false reporting of my account status
Consumer complaint received 2024-10-18
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. (CA)

I am writing to dispute the accuracy of information in my consumer report, pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ). This letter is in reference to my previous CFPB complaint [ XXXX submitted on XX/XX/2024 ], in which I requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block all of the accounts, collections, and hard inquiries identified in that complaint from my consumer credit file within 4 business days of receiving said complaint. 
Experian failed to comply with my initial request and has not properly verified the claims made in my CFPB complaint. Therefore, I am invoking my rights under FCRA 611 to demand that Experian : Reinvestigate all items contested in my initial CFPB complaint. 
Provide detailed information on the method of verification used in your initial response to my CFPB complaint, including the specific sources of information consulted. 
If unable to verify the contested items using reliable sources, delete all such items from my credit report. 
Please note that I have previously filed and attached FTC Identity Theft Reports [ Numbers XXXX, XXXX, XXXX, XXXX ] related to these disputed items. It is my understanding that these reports were not properly considered in your initial investigation. 
Under FCRA 611 ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires Experian to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, if reasonably available. 
If Experian is unable to verify the accuracy of the disputed information through this reinvestigation process, I demand that Experian promptly delete or modify that information in accordance with FCRA 611 ( a ) ( 5 ) ( A ). 
Experian must be advised that failure to comply with this request may constitute willful noncompliance with the FCRA, potentially subjecting Experian to liability for damages.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a home loan with Bank of America ( BOA ) of which I have continued to make monthly payments on for several years. As of XX/XX/XXXX, it appears there was a default in the payment process whereas I was told my payments were late. Subsequently, they had charged a late fee each month and I just received a statement for XX/XX/XXXX stating that I owe double the amount. I have made several attempts to contact the customer service area with no avail. The last time I spoke to an agent was last week ( Agent by the name of XXXX XXXX ). She agreed that something happened in the system whereas I was actually paying in advance and the payment was not accurately being applied and therefore causing me to get monthly late fees over {$1400.00}. I was told that she was going to do the research and get back to me but yet again, no call or email. I tried to call again today XXXX and was disconnected. Per our conversation, I should have all of my late fees removed and my payments adjusted as I would actually be about 2 months ahead in payments. I am tired of getting the run around and feel that I am being scrutinized. In addition, I am fearful that they are going to ruin my credit when I have, in good faith, made my payments. I am not going to continue to do business with a company that can not adhere to a system of controls that harms consumers.
Consumer complaint received 2021-07-02
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a court summons from Midland credit management in reference to an alleged account I am unfamiliar with. I sent a letter asking for the Request for Purchase Agreement and validation of this account. I will attach the letter, the company sent me a ton of documentation of Bill of Sales, none of which included the Chain of Assignments, or Request for purchase agreement and they still did not validate this alleged debt, however, upon researching what they provided I did notify them that the original creditor and whomever opened the account has an Arbitration clause. I have submitted those documents with the court as exhibits as well and I did respond to them to let them know this information and it is illegal to try to sue me with this information. See attachments.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Commonwealth Finance by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period, Commonwealth Finance is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Commonwealth Finance communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE
REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty
30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Commonwealth Finance has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Commonwealth Finance must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
Consumer complaint received 2021-02-08
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. (NJ)

I disputed a derogatory account with Transunion on XX/XX/2021. XXXX XXXX, a debt collector, put an account into collections illegally, and I made Transunion aware of this. I made a previous complaint to Consumer Finance which was # XXXX, back on XXXX. XXXX XXXX disavowed that it was their account, and then reported to Transunion that the account was accurate. I am including the XXXX XXXX response as an attachment. When I disputed this with Transunion on XXXX, I told them that this company, XXXX XXXX was lying and had answered the Consumer Finance complaint and disavowed their account. Transunion did not send me any follow up correspondence or reach out to me again. I called Transunion today, and they told me that XXXX XXXX answered the complaint and verified that the account is accurate!!! I want Transunion to remove this account immediately. They are the ones damaging me by not doing a proper investigation.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

I have no knowledge of the alleged debt. I have never entered into any contract or agreement with Stevens Business Service. I have not received any written communication from Stevens Business Service which is a violation pursuant to 15 U.S.C 1692e False or misleading representations. 
( 10 ) The use of any false representations or deceptive means to collect a debt or obtain information concerning a consumer. 
This is also an alleged medical debt which pursuant to HIPPA Laws is a violation of my conusmer rights. Stevens Business Service did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the Stevens Business Service should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK (IA)

In XX/XX/XXXX I visited the TCF branch in XXXX XXXX, SD to close my account. I received a cashier 's check for the balance on the account and was told it was closed. 

In XXXX of XXXX I received a letter that my account was overdrawn by {$.00}. I contacted TCF bank to let them know my account should've been closed in XX/XX/XXXX. They said that I had a roughly {$60.00} balance at that time which had slowly drained due to dormancy fees and was now past due. They said they would close the account and no further action was needed. 

In XXXX of XXXX I received a letter that my account was overdrawn by {$10.00}. I contacted TCF and they let me know they could not assist me over the phone and I would need to visit a branch location to receive assistance. I asked for a manager and they said they would reach back out to me.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, I deposited a check in person with a branch teller inside Chase at XXXX XXXX XXXX XXXXXXXX, TX XXXX. I have my printed receipt copy for that deposit in the amount of {$10000.00}. That check deposit is missing from my bank account. 

The following day on XX/XX/2021 at XXXXXXXX XXXX  CT when I noticed the deposit was not pending my account, I called the general Chase Customer Service line who then transferred me to Chase Claims Department. I was told that because the deposit was made in person at the branch, I needed to reach out to the branch directly. That call lasted 15 minutes. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I called the branch directly and spoke with a representative about my missing check deposit. The representative took my name and number and said a manager would need to look into this and would call me back. That call lasted 10 minutes. 

On XX/XX/2021 at approximately XXXX XXXX CT, after not receiving a prompt call back, I walked into the branch in person and spoke with XXXX XXXX XXXX, the associate banker who was looking into my account. She said she filed a claim regarding the missing funds, handed me a claim number on a sticky note, and said to expect a temporary credit to be in my account within 1 day. She gave me her business card and the business card of the branch manager and said the branch manager wasn't here but has been made aware of the situation. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I wrote an email to XXXX XXXX and the branch manager/VP, XXXX XXXX XXXX, informing them that the funds were still missing from my account. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I promptly received a call from the branch manager/VP XXXX XXXX XXXX. She informed me that the teller made an error with my deposit and had accidentally voided my transaction. She informed me that my check was on it's way into storage and that it would take approximately 2 weeks to locate my physical check. She said she was working to expedite a temporary credit on my account for the missing funds. 

On XX/XX/2021 at XXXXXXXX XXXX  CT, XXXX XXXX XXXX called me to inform me that the Chase Research Department denied my claim for a temporary credit. At that time, she informed me that my best action may be to contact the issuing company to stop payment on the check, request they mail me a new one, and start over with a new deposit. There was nothing further they could do for me at this time other than apologize and offer to cover any fees I may incur to try to expedite a new check from my vendor.

I have my receipt showing proof of deposit, Chase has my check, and I am missing {$10000.00}.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (TX)

I was recently alert by XXXX  and XXXX  about RMP Services LLC flagging my credit files with an collection account XXXXX {$210.00}. I instantly disputed the fraudulent account with XXXX  and the account was removed. This account is not mine. RMP Services LLC is effecting my credit rating by reporting this fraudulent account.
Consumer complaint received 2021-07-01
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. (TX)

My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Collection Bureau, Inc. (FL)

Advanced Collection Bureau, specficially its representative XXXX XXXX at XXXX, is attempting to collect a debt which they claim I owe. The alleged creditor is XXXX XXXX XXXX 

First : Rather than contacting me directly, Mr. XXXX contacted my former employer ( XXXX XXXX XXXX ) and my " in case of emergency contact '', XXXX XXXX. He has left numerous messages on their voice mails about me. 

Ms. XXXX told me about this on XX/XX/XXXX and I immediately called Mr. XXXX. When asked why he's calling other people, he laughed. Then he went into a tirade telling me I'm obligated to pay. I hung up on him. 

On XX/XX/XXXX, he phoned the XXXX  residence. At no time after that XX/XX/XXXX call has he phoned me on my cell. I've tried calling him and there is no answer. 
Apparently, he works by attempting to embarass/humiliate people. I will not tolerate this and have no hesitancy in filing a complaint in Federal Court re these tactics. 

Second : I've never received a debt validation letter from Advanced Collection Bureau.
Consumer complaint received 2021-07-06
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: SYNCHRONY FINANCIAL (TX)

WE disputed a transaction, we received the item XXXX but it had missing parts, We told the company and they responded by saying we received the time, but we contacted PayPal, we told them we sent the item back. 
They refunded the money then later sent a letter in the mail saying we need to contact our credit card company. Paypal is under synchrony bank. That is who we pay each money. Below you will see the charge, They credit our account and took the money back. The company has their product we provided documentation that the item was sent back to the company. Synchrony bank refuse to give us our money back About XXXX We received notice that you disputed the following transaction with your financial institution or credit card company. 
Case ID XXXX Transaction Amount {$48.00} USD Dispute Amount {$48.00} USD Transaction ID XXXX Transaction Date XX/XX/2021 XXXX
Consumer complaint received 2021-07-02
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 was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX student loans on there but there weird thing is that its only on XXXX. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint Regarding Inaccurate Credit Report Information I am filing a formal complaint against Experian for failing to properly update inaccurate personal information on my credit report, despite my previous requests. Experian informed me in writing that they had corrected my personal information, but I have reviewed my report, and the following inaccuracies remain : 1. The address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX is incorrectly listed on my credit report, despite my request for its removal. This address is not relevant to my current or past credit history and should not be associated with my file. 
2. The name XXXX XXXX remains on my credit report. This is not my legal name, and I have requested that it be corrected to XXXX XXXX, yet it has not been done. 

These issues are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accuracy and promptly correct errors when notified. Experian has failed to comply with this obligation, and the continued presence of these inaccuracies is negatively affecting my credit profile. 

Thank you for your attention to this complaint.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

This is regarding my XXXX XXXX credit card through Comenity Bank. On XX/XX/XXXX, I contacted them to let them know I was having trouble making the XXXX payment and asked for a deferment ( on their website they did offer COVID assistance, which was a message I read when I logged in to my account ). I have been unemployed since XX/XX/XXXX, and had been making my payments all along, but then my Unemployment benefits were stopped on XX/XX/XXXX for an invalid reason. I subsequently had to file an appeal with the state but that hearing was not scheduled until XX/XX/XXXX, so I didn't have the income for nearly 8 weeks at that point on XX/XX/XXXX. They agreed and said I would not have to pay my XX/XX/XXXX nor my XX/XX/XXXX minimum payments. Then, on XX/XX/XXXX, I logged in t my account to check it ( this is my payment due date ) and it showed NO minimum due - XXXX. At that point, my unemployment benefits had just begun resuming, so I made a small payment of {$40.00} ( again, NO payment was required ). The {$40.00} payment cleared on XX/XX/XXXX. On XX/XX/XXXX, a Sunday, the calls from Comenity Bank began, starting at XXXX in the XXXX. They called at least 8 times, and each call was from a different number ( in Ohio, Colorado, etc. ) or, showed up as a blocked number. On XX/XX/XXXX, I did finally answer one of the calls, and explained to the agent that I did in fact make a payment when none was due and told her it had already cleared. She thanked me and said she would notate the account. Well, then, the next day, on XXXX, the calls continued from Comenity. I had NINE missed calls from them on XXXX. I did not answer, figuring their computer system hadn't yet updated or something. The next day, on XXXX, the calls continued. I received THREE calls that morning ( all within the space of under 2 hours ) and I finally answered. I told this new agent the entire story and that I had just told an agent on Sunday, XX/XX/XXXX, that a payment had been made when none was required. I then said I would file a complaint with the CFPB if the calls continued, as they were harassing me. All for $ XXXX. It's ridiculous. The calls did stop for a few days, but they just began AGAIN! Today, on XXXX. I have not answered yet but decided to file this complaint instead. I have all the calls saved in my phone, and again, they are from different numbers. When I re-dial the number it says Comenity Bank, so I know it is them. If they can not manage a COVID assistance program for their customers, then they should not offer it!!