davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I took out a loan with the Bank of America to purchase a new vehicle in XXXX. The loan was for15 years. In XXXX during the recession I received a 90 day extension. Unbeknownst to me I was charged {$7.00} per day interest for the 90 days but they added it daily for an additional 12 years till the end of the loan adding {$1400.00} of interest after I thought I paid the loan off in XX/XX/XXXX. I paid this loan off over 15 years of on time payments. Never on any statement showed I owed this additional interest. The bank of america has never sent anything in writing nor can produce any eveidence that they told me about this interest, In fact no one from BOA can go back to the original loan docs or evidence this additional interest charged. This is a scam and has created a financial hardship. I can not receive the title until I pay this extortion fee fee of {$1400.00}. Please help me. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
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: SYNCHRONY FINANCIAL (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft VERIZON Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-03
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Receivables Network (NJ)

XXXX from Sage Capital called about a {$150.00} debt from XXXX XXXX for my youngest child from a while ago. XXXX had all of our birthdates and our address. I have paid all our bills from XXXX as they came and we had nothing in collections with them. I notified them of this. XXXX did not provide the date of service or any information about what the bill was for. I also notified them that I hadnt received any bills or written communication from them or XXXX. And I informed them that I would be calling XXXX to deal with any billing directly. XXXX left me a call back number of XXXX. I have since called XXXX and they checked under every single family member and we do not owe them anything and have a XXXX  balance.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (IL)

Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received {$1100.00} worth of unknown charges billed to my credit card. Bank of America reviewed the charges and declined the fraud dispute saying that I purchased these items. I called to inquire as I know I did not purchase from the vendor listed. In discussion with the investigator we determined that the orders were placed from a fraudulent email account, and we reviewed the USPS tracking numbers, which indicated several anomalies. I followed up with the manager if my local USPS office the next day. They confirmed the items were delivered to an address other than mine. I discussed with the bank and they reopened the fraud investigation case while the USPS also opened an internal investigation. Bank of America responded about two weeks later that they declined my claim again. I have refutable evidence that I did not order or receive the merchandise, yet they continue to decline my claim and insist I owe them for charges which are clearly fraudulent.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CT)

I am currently seeing a debt collection in my credit report that as clearly been there since XX/XX/2021. The original balance of {$550.00} which was further pushed to {$1000.00}. A cellphone is the main object of this matter and such phone was mailed back to phone company as I was instructed to. Therefore, I don't think I should be held accountable and I want such to be removed from my credit report IMMEDIATELY AND PERMANENTLY.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those a
ccount to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2021-08-03
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. (FL)

All 3 Credit bureaus are reporting my bankruptcy and stating that this information is coming US bankruptcy court in XXXX Fl. I spoke with Deputy at US bankruptcy court who advised they never report any info to Credit bureaus which is false information and misleading. I also have issues with negative remarks from XXXX XXXX auto loan been reported inaccurately on all 3 credit bureaus. I want a written document showing my signature not a e-oscar online verification system.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (MD)

I signed up for XXXX high speed internet at the end of XX/XX/XXXX or the beginning of XX/XX/XXXX. I cancel my service and returned the equipment because a support representative was schedule to come to my home and connect my internet because i was unable to connect to the internet. I spoke withh XXXX they did not resolve my issue or stop billing. Now I am receiving attempt to collect a debt from RPM also known as receivables performance management LLC. In which that company went to court in Nevada to stop all business pratices.
Consumer complaint received 2021-08-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION (NE)

On XXXX XX/XX/XXXX, I received a phone call from The Toyota Financial Services Deb Collections department about owing XXXX $ on my car lease. I explained that I would not be making any payments until I verify where/when a payment was missed. I checked both my bank statements from the start of my vehicle lease up until present day and I could not find a month where a payment was missed. I also checked my billing statement on the Toyota Financial Services App and it does not reflect any missed payments. I called XXXX Customer Service again and was told that a payment from XX/XX/XXXX ( over a year ago ) did not go through and for some reason I am barely finding out about it now. On my TFS app, it doesnt reflect any payments not going through for the month of XX/XX/XXXX, in fact, I have the payment confirmation. When calling TFS, their automated system specifically states to use the confirmation emails as proof of payment due to technical difficulties. I explained to the agent that my billing information on their end is incorrect as both my billing statement and my bank statement reflect the payment was made. I was told that the payment got returned regardless of what proof I have and that I would need to pay the XXXX $ in order to stop this from damaging my credit tremendously since it would be reported to the credit bureau tomorrow ( XXXX XX/XX/XXXX ). I then went to my bank, and had the bank representative scrub through any possible returned payments and was told that on their end, it reflects that the payment was made. I then called the TFS Debt Collections Department and was put on hold many different times, the representative then told me she didnt see where the mishap was but that it would hit the credit bureau tomorrow ( XXXX XX/XX/XXXX ). TFS can not provide me with an email so I am unable to send them these statements and confirmation emails from them showing that Ive paid all my bills on time. I researched them online and many other people have had issues with this financing company. I feel I am being scammed by Toyota Financial Services due to the fact that they can not provide me with any proof that my payments haven't been going through along with their unwillingness to be able to accept my documents proving I have made my payments thus causing my credit score to possibly be affected.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I had someone come into my place of work and steal my entire wallet. 
I found out on XX/XX/XXXX and filed a police claim with XXXX Police department. 
I found out that they had withdrawn {$8500.00} from my account at Bank of America. The withdrawals are as follows : XX/XX/XXXX WITHDRWL XXXX XXXX XXXX XXXX WA {$500.00} XX/XX/XXXX WITHDRWL XXXX XXXX XXXX XXXX WA {$500.00} XX/XX/XXXX XXXX XXXX cash withdrawal {$5000.00} XX/XX/XXXX XXXX XXXX cash withdrawal {$2500.00} My limit for deposit withdrawal is {$1000.00}. 

The teller at the bank listed above closes at XXXX XXXX whereas I was at work and did not leave until XXXX XXXX. I work as a XXXX and am not able to show the tubes with the time and my initials on it due to HIPAA, but I have a time card proving when I left XXXX. 

When I made the claim, I asked why I was never notified. I have no history of withdrawing this amount and this should have been flagged. I was told it was because they used my pin and was questioned extensively about it. I have it memorized, but it is the last XXXX digits of my social security number, which I have since been told is easy to guess or hack into. 

On XX/XX/XXXX, I was told my claim got denied because they used my pin. Somehow it took 7 business days to realize the same thing we discussed the first day I knew it was stolen. BofA did not follow up by checking any of the cameras at the bank, nor ask me for proof that I was at work during the time of the transactions or any other reasonable measures. 

To add insult to injury, BofA issued me the incorrect debit card twice. 

I asked to reopen my claim and they denied it again on XX/XX/XXXX. I called and they told me it was because they used my pin the first time. They then recommended me to get a subpoena for the bank videos. I asked them why I was supposed to do their job. I didnt need a video of who withdrew my money as I saw the person who took my wallet ( before finding out that it was taken ). They told me I was unable to reopen my claim. Frustrated, I waited on the phone for two hours to talk to someone who could actually tell me something useful. On XX/XX/XXXX, I was informed me that my claim was filed incorrectly and in the wrong department. There were two {$500.00} withdraws from my debit card, but the remaining {$7500.00} was through a teller, which apparently was not covered in the department I had been communicating with. 
XX/XX/XXXX I called again to find that the wrong claim was still listed and a new claim had never been filed!! To reopen it, I had to repeat the same information I have said since the beginning. I was finally asked to send proof that I was at work during the time the transactions were completed. I sent it the same day through a fax.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Experian continues to report items on my report that aren't mine. I asked for a validation of those debts over a month ago and they refused to respond. 
1. XXXX XXXX XXXX ( failed to mark the items as disputed ) 2. XXXX XXXX XX/XX/XXXX ( failed to mark the items as disputed ) 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX They have not verified anything. I never gave them permission to furnish these items 1681 ( b ) ( 2 ). Please remove these items from my account.
Consumer complaint received 2021-08-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Is this a SCAM or what? Email from Pentagon Federal Credit Union No Fee XXXX XXXX, XXXX XXXX Sun XX/XX/2021 XXXX PM Hello Ja and Et Thanks for talking today. As I mentioned PenFed rolled out a no fee VA XXXX ( Refinance ) program a few weeks ago. We are covering all the fees ( VA funding fee, title, credit, etc. ). If you have your taxes escrowed at PenFed we are able to rollover the balance to the new loan. Here is the breakdown of what I was playing around with that I mentioned You current situation Remaining Balance : {$540000.00} Interest rate : 2.75 % Payment : {$2200.00} +/- ( Principal/Interest ) VA XXXX XXXX XXXX XXXX : {$540000.00} Interest Rate : 2.25 % ( 2.276 % APR ) ( XXXX Credit Score ) Payment : {$2000.00} ( Principal/Interest ) Monthly Savings : {$170.00} Total Savings : {$63000.00} This is just something that I was playing around with and thought you should know since we are covering all the costs. 



Let me know if you would like to discuss further. 





-Thanks! 







XXXX XXXX Mortgage Loan Officer NMLS # XXXX O : XXXX | C : XXXX Submit a Mortgage Request Get My Rates
Consumer complaint received 2021-08-02
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. (FL)

Ive been a victim of identity theft. XXXX XXXX has blocked/delete all fraudulent items. Equifax continues to say you items have been verified. How can they verify these fraudulent items. Equifax is in violation of the FCRA!! Equifax must report true and accurate information. The following accounts are fraudulent and dont belong to me. Equifax must follow suit and blocked/delete these items. 
1. XXXX XXXX XXXX 2. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) {$610.00}
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (NY)

Cashiers check stolen. Felon altered check and cashed it. Wells Fargo noted check was a fraud and denied deposit. They notified me that my missing check was found and that my money was safe. They said after fraud investigation paperwork was filled out my money will be refunded. XXXX. They have not refunded the money and are not calling me back.
Consumer complaint received 2021-07-28
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: Porania, LLC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Recently sent disputes to XXXX, the most recent dispute was sent to XXXX  on XX/XX/XXXX for collections account with Portfolio Recovery for XXXX XXXX XXXX. Collection account should be permanently deleted. Original creditor ( XXXX XXXX XXXX ) last date of delinquency was XX/XX/XXXX. Provided XXXX  with XXXX XXXX statement showing last date of payment as XX/XX/XXXX. Spoke to an XXXX  representative the week of XX/XX/XXXX, who stated XXXX  has my information showing the first date of delinquency as XX/XX/XXXX, BUT since Portfolio said the account was reported as accurate for the date of XX/XX/XXXX, XXXX  has to follow what the creditor states, regardless of the proof on file. 

This account has had its first date of delinquency changed three times from XX/XX/XXXX, to XX/XX/XXXX, to now XX/XX/XXXX, which is fraudulent activity, after I have disputed these inaccuracies showing last date of delinquency as actually XX/XX/XXXX. XXXX  and Portfolio Recovery refuse to report accurate information, which has created denials for credit applications submitted during this timeframe. 

Dispute History : XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from XXXXPortfolio Recovery had first date of delinquency as XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from XXXXPortfolio Recovery changed first date of delinquency from XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion -results received on XX/XX/XXXX from XXXXPortfolio Recovery changed first date of delinquency again from XX/XX/XXXX to XX/XX/XXXX, but reports date of last payment as XX/XX/XXXX, which is a discrepancy with the date of first delinquency. 

The Portfolio Recovery account does not have any payment history for XXXX, XXXX, nor XXXX, which is verified by statements. Portfolio Recovery can not provide proof of last payment nor first date of delinquency on this account because they have no payment information from the original creditor. Portfolio recovery keeps adjusting the date, re-aging the account, which is illegal and XXXX  supports this creditor in its illegal practices.
Consumer complaint received 2021-08-03
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. (GA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.