davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-01
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. (FL)

Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.
Consumer complaint received 2018-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with Second Round LP. This was a XXXX 's XXXX, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, Second Round LP is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even Synchrony sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, Second Round LP is reporting on XXXX  that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. Second Round LP stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.
Consumer complaint received 2016-04-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (VA)

I was charged {$170.00} for overdraft fees on XXXX XXXX, 2016. The bank held all my debits and presented them on the same day, beginning with a large check I wrote for {$15000.00}. As a result, I was charged {$35.00} for a {$1.00} item, another {$35.00} for a {$7.00} item, another {$35.00} for a {$34.00} item, etc. I realize that I am responsible for ensuring that I have funds available, and I review my online bank every day. My online reflects that funds were always available for all the items I presented, when I presented them. I have attached online screen prints. I can not afford to be charged this overdraft fee at this time. I was granted a refund of {$70.00} but need the rest of my money. I just purchased an investment property and plan to bring plenty more funds to the bank, if they show me that they value my relationship. I have never overdrawn my account before, and this all occurred because I was traveling and in the middle of the big purchase, so I may not have paid as close attention as I usually do. I maintain balances in my account well over the premier account requirement. I only recently changed it because I need to write another large check soon. As you can see in my account history, I also have other accounts that I would consider moving to TD Bank, if I am granted this one time courtesy refund to refund the entire {$170.00} I was charged. If not, please call me to let me know how to have all my accounts closed. Regards
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

XXXX is reporting 4 student loans from XX/XX/XXXX, XX/XX/XXXX and ( 2 ) XX/XX/XXXX on my report as in Bankruptcy. This information is incorrect, the account should show XXXX balance paid in full. 

I've contacted Nelnet who informed me that the information they reported in a XXXX   balance and paid in full. XXXX  is reporting false information. This information is being reported and adverse information on my credit report.
Consumer complaint received 2018-07-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

My lease was about to be up, so I went in to obtain a new car. I spoke with representatives, came to an agreement, then on the day I was supposed to come in and pickup the new car, I received a phone call that they werent going to honor the deal that was reached. I went in and spoke with the manager who at first was not going to honor the deal, but once he realized it was the representatives error and not mine, they honored it. Or so I thought. I went in finally a week later to get the car and of course the lease terms had changed. They were only going to honor the price, not the mileage that was agreed to, but a this point, my lease was due to be up, so I didnt have a choice but to take a lower mileage lease or be stuck with no car and rushing to find transportation. After all this, my problems were just beginning. They took my lease turn in and then threw an $ 1800+ balance on my credit report. After finally getting that taken care of after weeks of going back and forth, theyre still reporting a $ 480+ balance. This is all after I disputed multiple times because they continuously marked my payments late because of a late fee that they added, even though my payments were on time. I want the late payments removed from my credit report and I want this false $ 480+ balance removed.
Consumer complaint received 2018-07-01
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: EQUIFAX, INC. (IN)

XXXX XXXX XXXX closed and sold my account over to XXXX XXXX XXXX in XX/XX/XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXX XXXX XXXX   about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed
Consumer complaint received 2018-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit report.
Consumer complaint received 2018-05-10
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: EQUIFAX, INC. (FL)

I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from Equifax due to a the 7 year period from last delinquency. XXXX XXXX XXXX decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both XXXX and Equifax. Equifax states they can not accept my Support because XXXX reporting is overding. XXXX has provided letters attached that they say should be submitted to Equifax. Equifax says XXXX still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..
Consumer complaint received 2018-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (FL)

I bought a XXXX XXXX XXXX  car from XXXX car dealer in XXXX, name is XXXX XXXX XXXX. 
My loan term is 7 and 1/2 year that is 90 months, I paid {$1000.00} down. 
My installment is {$360.00}, which I find it very high interest rate. 
I feel I have been paying very high interest rate, because I am XXXX. ( like XXXX XXXX XXXX XXXX ). they have  discriminated against me. 
Can you please help? 
date of purchase XX/XX/2017
Consumer complaint received 2018-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/2014 I had financed a car for the first time in my life. I had XXXX kids at the time and had no car at all this was the only way of getting a car and Ive never purchased a car before, but I have an APR of 26.44 % that isnt good at all Im paying 5 times more then what the car is worth it had over 100,000 miles on it already and had been tooken to the shop 2-3 times after buying it within a year to a year and a half. When I had looked on XXXX XXXX XXXX at the time the car was only worth about {$4000.00} but we are paying {$26000.00} for it.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (MI)

In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from THE BUREAUS INC with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by XXXX XXXX XXXX. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact XXXX XXXX XXXX to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by THE BUREAUS INC? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!
Consumer complaint received 2018-07-13
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)

on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; XXXX XXXX and Equifax that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My transunion credit report shows that I have opened two new accounts with XXXX XXXX when I have only one account with XXXX. I started living in this apartment since XX/XX/XXXX. However, transunion credit report shows that I opened another account with XXXX in around XX/XX/XXXX when my account only got renewed during that time. I havent closed account with XXXX apartments since XX/XX/XXXX.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MI)

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2018-07-13
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: Experian Information Solutions Inc. (AZ)

The item XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting it as if it were a NEW collection on my credit report. 

A report from XX/XX/XXXX reported that the item charged off on XX/XX/XXXX. Attached is print screen of my online report showing the charge off occurred on XX/XX/XXXX. 

My current report dated XX/XX/XXXX reports the item as Charged-Off XX/XX/XXXX appearing as a NEW collection ; and this is not a NEW collection. My scores dropped as a result of this retaliatory reporting. See attached print screen of my online report. 

Please remove this inaccurate item XXXX from my credit report as it is clear that they have re-aged this item. Re-aging a debt is a violation of the FCRA. 

Furthermore, based on their failure to report accurate information I have no reason to believe that this listing is accurate at all or has ever reported correctly. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.
Consumer complaint received 2018-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XX/XX/XXXX XXXX XXXX apply Pulled my credit report I didnt apply for this
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Partners, LLC (MI)

I have a collection account with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Tired to cash a check of {$5000.00} dollars with B.O.A.!! Customer since 1995. Due to relationship with the Bank I could not. Check needed to be deposited. ( I also have two direct deposit accounts ). Don't know if the " Bank '' is catering to the " rich '' or if " racial profiling '' is the issue. In any event I felt that I was being targeted or punished due to past relationship. Not really looking for resolution as much as wanting my issue to be heard. Ty XXXX
Consumer complaint received 2018-07-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (TX)

I purchased a vehicle and XXXX XXXX XXXX, financed it. I made all of my payments on time, and paid the vehicle off sooner than the projected pay off date.I received a letter in the mail from Ally stating that during the year that I was purchasing my vehicle, there was over payments made by purchasers. There was a settlement and consumers will be receiving a portion of the settlement. I received a check in the amount of {$310.00}. I lost the check while moving and recently found it. The check was written in XXXX. I contacted Ally Financial and explained this situation to them, and I was told that is will not be a problem replacing the check. i was told to send a copy of the check, along with the last four digits of my social. After 3 weeks passed and me not hearing from the company or receiving a new check, I reached out to them again. The second time I spoke with a different representative, she told me to give them a couple of days to make sure that the check hasn't been cashed. I gave her all of the information on the check. She also told me that if I haven't hears from them in two business days that, that mans everything is good and they will send the check out. This was a month ago. Tuesday, XXXX, XXXX, XXXX. I called Ally Financial again to find out what's going on with the check, that i haven't received. Of coarse, I spoke with a different representative this time. I explained everything to her, and gave her the reference number that was given to me, ( XXXX ) the last time I called. I was put on hold 3 times for 3 to 4 minutes each time, while she went to " speak with her supervisor '' about this matter. The representative came back to the phone the last time she put me on hold. She told me that she spoke with the supervisor, and that the supervisor said that the check number ( XXXX ) was not a check from their company, and there was nothing that she could do.
Consumer complaint received 2018-07-13
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. (NY)

I am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX  XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!
Consumer complaint received 2018-07-14
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. (IL)

On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.
Consumer complaint received 2018-07-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Consumer complaint received 2018-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern, I am being hit with ( 2 ) hard inquiry on on XX/XX/2018 and XX/XX/2018 from capital one which was not made be me and was 100 % fraud. This was not authorized by me. I called capital one regarding this fraud and they put on with there higher representatives. 

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.