davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I settled an account in full with Credit Acceptance Corp on XX/XX/2018 for the amount of {$5100.00}. 

Credit acceptance still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to credit acceptance on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to XXXX they called credit acceptance, and took the information provided from credit acceptance because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave credit acceptance the original 30 days allotted for dispute through XXXX, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I submitted my income based repayment certification through studentloans.gov. Loans serviced by AES were decertified with no issues. XXXX asked for more information, which I sent. After two unanswered emails about the status of my recertification, XXXX said they needed another document. I sent it and my recertification was approved for the amount of {$140.00} per month. However, my bill for XXXX was posted and it is for {$450.00}. I have emailed XXXX twice about the issue and have not received any response. I can not call because I have XXXX and do not have a XXXX. I have not yet paid the bill because I can not afford to and I dont want to mess up my qualifying payments for PSLF.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a complaint with the CFPB on XX/XX/XXXX requesting that Transunion investigate into the inaccurate account ( XXXX XXXX ) that's reporting negative on my credit. On XX/XX/XXXX they have informed me with results of the dispute claiming the account was verified and updated, once again not providing proof of how they verified this account. I asked TransUnion to verify the amount, examine the purchase agreement & to provide me with the proof of my requests. They still have not done so. According to the FCRA, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX. I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) of account XXXX XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. I demand the account be verified or removed immediately. As for the response you sent me of the results of investigation on XX/XX/XXXX, I am requesting a copy of the procedure your company followed in order to ensure that the information reporting for XXXX XXXX is completely accurate. Its 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. It is frightening to think that you did not do as you are governed by the FCRA and that other consumers might be affected having this type of information on a person 's credit report is unfortunate and severely damaging information on a person 's credit report is unacceptable. Please forward me the name of the person you spoke with at XXXX XXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. As I have said, this account is incorrect and should be deleted entirely. FYI, I DO NOT want a generalized response stating what you typically do in an investigation.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My card was stolen during XXXX XXXX  weekend and over XXXX $ were withdrawn from my account. I reported my card stolen and reported fraud with capital one, but they denied my claim, citing that the phone used to send the fraud alert was still being used. However, I never received any alert at all. I wanted to appeal, but they refused.
Consumer complaint received 2023-06-07
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I want to bring to your attention that the XXXX account in question has already been charged off and resolved. I have fulfilled my obligations by making necessary payments to settle the debt, and the account is no longer active. It is crucial to note that the reporting of account abuse is misleading and damaging to my creditworthiness. 

I respectfully request a thorough investigation into this matter and request that ChexSystems provide evidence supporting the claim of account abuse. Additionally, I would like to request the removal or correction of this inaccurate information from my consumer report, as it is having a detrimental impact on my ability to obtain financial services. 

I understand that ChexSystems has a responsibility to ensure accurate reporting of consumer information, and I trust that you will handle this dispute with the utmost diligence and professionalism. Please provide me with a written response regarding the outcome of the investigation within the time frame prescribed by applicable laws. 

Thank you for your prompt attention to this matter. I believe that through your assistance, the inaccurate information can be rectified, and my consumer report can be updated accordingly.
Consumer complaint received 2024-09-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC (WA)

My first loan payment was scheduled on XX/XX/XXXX with XXXX XXXX and I made the payment on XX/XX/XXXX but was not processed due to loan transferring. The loan was transferred to NEWREZ LLC. I contacted both companies and was told first my XXXX XXXX that I have to wait for the company to sort it out. So, on XX/XX/XXXX as shown in XXXX of the attachments here, a conversation with NEWREZ LLC Rep reported that I do not have any outstanding balance, and the next payment is due on XX/XX/XXXX. I tried to convince them through repeated calls about the issue before recoding this conversation several times, but no meaningful outcome. 

Recently on XX/XX/XXXX, The loan servicer sends a mail stating I did not pay my mortgage for XX/XX/XXXX even though I provided them with bank statement ( payment successful on XX/XX/XXXX as evident on the bank statement attached ), and a word of conversation from a representative of XXXX, my bank. This puts my mortgage on delinquency based on their report. I called several times, to request for explanation but always each time I get new person who will say something else very different from the other person. Fortunately, on XX/XX/XXXX, I get representative who made a case and put an escalation number with the hope that someone will call me to sort the issue out amicably. This is not fair to me considering the amount of time I have to spend in calling with no solution to the issue. I have to rest my case here with the hope that this agency shall stepped in to do justice for us.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting act, the following list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 and have also reported late payments, which is also a violation.

15 USC 1681 Section 602 A States that I have a right to privacy 15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions Accounts : XXXX XXXX XXXX : XXXX XXXX Late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XXXX late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Preferred lease XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-06-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc. (MI)

This is in regards to Cash App. I created a second Cash App account some time last summer to do some temporary business related things and to create an account you need an email and phone number. I had a secondary email, but for the phone number, I used a free one from an app called " XXXX '' which will let you use a phone number for free through wi-fi. To use the account fully, I also had to submit my driver 's license and social security number. After several months, I stopped using this Cash App account and the free phone number. The app later revoked the phone number due to a lack a usage and eventually gave that phone number out to another person using the app. On XX/XX/XXXX, that person used that phone number to log into my Cash App account and then immediately unlinked my email and change the phone number. I was unaware that this happened because I rarely check that email account, but just several days ago I tried sending one of my friends a couple dollars through my main Cash App account and it stopped me saying that I have reached my {$50000.00} monthly spending limit even though I only spent about {$120.00} this month. After wondering what could have caused this, I checked that email account and could see that on XX/XX/XXXX, someone logged into the Cash App account and unlinked the email. Fortunately I did not have a bank account linked to it, but someone stole my secondary Cash App account and is cycling thousands of dollars under my I.D . and SSN. I have been trying very hard to find a solution with Cash App support, but they are not being very helpful. I repeatedly tell them that I can verify the account is mine with my I.D . and SSN, but they simply won't help. I can also provide screenshot proof that I opened the account with that email and that on XX/XX/XXXX, it was broken into and unlinked. The person controlling the account also recently ordered a cash card and it arrived at my house with my legal name on it. I need to find a way to get this account deleted. 

I attached a screenshot of the email confirmation that I verified my I.D . with that account on XX/XX/XXXX and also the screenshots of the email confirming someone logged in and unlinked that email on XX/XX/XXXX.
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made an uninformed decision. There is no evidence of indebtedness. The only evidence of debt was the agreement, because of the uninformed decision that agreement is null and void. Why? I dont understand this meaning and it was not clear and conspicuous.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I have been trying to get my account either unfrozen or closed with a check mailed out or have the eft transfer sent back to the bank it came from since XX/XX/2018. I initiated a electronic transfer from my wife 's bank account with her permission and her physically next to me when i did it. we did the transfer because i have a different account and we where waiting for her new debit card and we needed to pay bills. My bank Simple Bank who's owned by BBVA COMPASS started the account verification process to make sure it wasn't fraudulent and that permission was granted. They do this by making two small deposits that are under a dollar each and then i would have to verify the two amounts. This process is supposed to verify at least two things The identity of the other account and to make sure it gets verified. I verified the two amounts and was allowed to initiate a electronic transfer. Simple Bank transferred the money as soon as the money was deposited into my account they froze my account. I asked them why they froze my account and they told me it is because they need to verify the external account. I was confused because they were supposed to verify the external account before allowing me to transfer money. at least that is what i understood by their so called " external account verification process '' which is supposed to take 3-5 business days to do before allowing and transfers. They wanted two bank statements of the external account, a copy of my social security card and a picture of my license or ID. I have two poroblems with that, first i don't feel comfortable sending vital documents over an email secured or not. Two, I can't get the bank statements or anything from the other account because that bank closed the account due to unrelated reasons. I asked them to send the money back to the external account but they claim they aren't allowed to do that. I asked them to close the account and send a check to me, they claim they can't do that either and they refuse to unfreeze the account unless ALL of the requested documents are sent. My wife and I, Need that money back to pay bills we are behind on now because of this. I know they have the authority to close any account at any time for security resons. I dont care if they do that as long as i get all of my money back {$2500.00} to be exact. That was the amount of the transfer. The total available balance in the account is {$2500.00}. I need to recover that money
Consumer complaint received 2018-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

National credit adjusters never sent me a dunning letter they just put this account on my credit report.I do not have a contract with national credit adjusters and they is reporting on my experian credit report. 
Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that national credit adjusters prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount national credit adjusters claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.
Consumer complaint received 2020-07-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I previously filed a complaint # XXXX & XXXX and requested immediate deletion of Bankruptcy that does not belong to me : US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX. 

I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified. 

The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that Experian did not verify this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

In your response to my complaint # XXXX it was stated Experian verified this bankruptcy as belonging to me. This is completely false and I demand proof of this verification. 

I have provided you in my complaint # XXXX a XXXX Consumer Verification proving this bankruptcy does not belong to me, which is the only legitimate alternative to asking the court for verification. 

I have also placed a fraud alert on my credit report upon becoming aware of this and I have filed a police report and have provided the police report to Experian. I FORMALLY REQUEST IMMEDIATE DELETION of this Bankruptcy on my Experian credit report that does not belong to me : US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (TX)

XXXXXXXX XXXX XXXXXXXX I contacted Wakefield associates at XXXX and member said she is unable to locate the account XXXX. I provided the account number reported on my profile. I advised they are reporting inaccurate information on my credit profile. In the amount of {$1300.00} XXXX XXXX XXXX XXXX. She said they have different people that matches my personal information in multiple states. The person was unable to validate this debt and match anything to my information. She asked for my social I refused and advised she should be able to locate the account with the account number provided which was reported by them on XX/XX/year> says status updated XXXX XXXX XXXX This information is reporting on my XXXX credit report. I told her I will be reporting to the CFPB. She said that is the way to go about disputing the debt because they could not find me. I advised my identity has been stolen and I have not received any communication from anyone validating this debt. I refused to give my social because the account number they reported should be enough as I told the XXXX advocate. This is violation of XXXX to sell medical records and private Information.

She said she will put in a ticket and she cant find the account. XXXX with Wakefield associates. She said she hopes it get resolved. XX/XX/year>. I provided her with account number that is listed on my credit profile and she repeated multiple times during the call that no account was located. Im already a victim of identity theft and this account should be removed immediately.