davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (CA)

Back on XX/XX/2020, I received a response from this Company which was this -- -- -XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau . I have carefully reviewed our account history and have confirmed that instructions were submitted to the credit reporting agencies to have this account deleted from your credit report. On this date we have submitted an additional set of instructions to have this matter deleted. If you wish, I can provide you a letter confirming that your account is closed and this matter should be deleted from your credit history. Please accept my apology for this issue. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX -- -- Since then I have made several phone call attempts to this Company and Mr XXXX requesting that he supplies me with the correct information and name of the Company in which they had tried to collect on a previously discharged Bankruptcy debt for. Because the name that had been given to me when I first learned about this debt and contacted them was incorrect. They told me that the debt was for my XXXX credit card, however after further investigation, this is not true. Therefore, I will once again ask them through this complaint portal for the correct name of the Company that had sold them this debt or the name of the original creditor, preferably just the name of the original creditor would be sufficient. Since I have tried to request this information by telephone, and have received absolutely no response from them regarding this request, I am forced to file yet another complaint through here requesting this information from them. This is unacceptable for them to completely ignore my requests for the name of the original creditor since this has affected me a great deal since the collection had began by this company, negatively affected me I should say since then. It is my right to know the details of this collection attempt if I should choose to request it from them anyhow.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2020-09-11
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. (WA)

I have invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation
Consumer complaint received 2020-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

MY CAR LOAN WAS A FEW PAYMENTS LATE BECAUSE I DIDN'T HAVE A JOB, THEN I WAS ABLE TO CATCH UP AND PAY FOR EVERYTHING, WHICH MAKES THIS LOAN SEVERAL YEARS AGO BUT THIS COMPANY KEEPS REPORTING ME AS MAKING LATE PAYMENTS, WHEN THE ACCOUNT IS CLOSED AND PAID
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This morning, I discovered unauthorized inquiries on my credit report, which left me confused and concerned. When I checked my credit report, as I usually do, I noticed discrepancies that were not there before. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I am deeply concerned and request that the documents I've submitted be reviewed carefully so that I can avoid this issue in the future.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I received an email notification to fund my new Account at BOA. I have accounts currently with them but did not request a new one. I contacted them on XX/XX/XXXX. Reported the issue was told it was opened inside a branch. Have not step foot in BOA in yrs. they sent me documents to fill out I sent them back. They posted the documents to the claim on XX/XX/XXXX. The account has been frozen and overdrawn since XX/XX/XXXX for almost XXXX dollars. I have been calling Bank of America once a week now and still no update. And now Im been told today that they dont know how the account was open and the Claim is still in process this has been going on for over a month now. This is now on my bank statements in which will hurt me in the long run to purchass a home
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc. (AR)

I purchased a vehicle from Car-Mart of XXXX. At first, everything was great. I even co-signed for my daughter to get a vehicle. Then, when I had the vehicle about 75-80 % paid off, it started having problems with the motor. Car-Mart offered to have the vehicle repaired at a shop of their choosing & add the cost of the repairs to my loan. I agreed and took the vehicle to them to have it repaired. The shop they took the vehicle to had it for about 2 weeks before Car-Mart finally called and told us it was ready. They told us that the motor had been replaced. My mother-in-law took my wife to pick it up while I was at work. The next day I drove it to XXXX to work. When I got to work, smoke started pouring out from under the hood. When I opened the hood, there was antifreeze everywhere. Apparently the shop either hadn't secured the hoses or had damaged one of them, I couldn't tell which. I got it back to Car-Mart who sent it back to the shop to be fixed. After a few days, they called to say it was ready. This time when I picked it up, I was less than a block from the dealership when it started having problems yet again, acting like it didn't want to shift properly. Again, they put it in the same shop for several days. Mind you I'm still making payments on a car that I haven't really been able to get any use out of for about a month at this point. Once again I picked up my vehicle only to make it about a mile before it died on me in the middle of the road ( yes, it had gas in it ). This time, after a few days, we were told that the shop wouldn't cover the cost under warranty so we'd have to pay to fix it out of our own pocket ( though it was supposed to be a 'new motor ' ). We talked to a manager who told us that since we were having so much trouble with getting the vehicle fixed that he would dismiss the remaining balance & take the vehicle as a trade in on something else. By this time, my daughter was also having problems with her car which they refused to do anything about. Final straw .... the 'new ' vehicle I got started having transmission problems a couple of weeks after I got it and the car lot wasn't going to fix it unless I could prove it wasn't any fault of my own. I finally walked into the manager 's  office and told him that I was done because of all the run around I had gotten from them. Now, ALL 3 vehicles are showing on my credit report as accounts with outstanding balances, even the one that they 'dismissed ' due to all the trouble I had with it ( making weekly payments on a vehicle that was 'out of commission for about 6 weeks all together ) & the one that started having problems within the first 2-3 weeks. Have they ever been investigated under the Lemon Law?
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I open this bank account online to manage my finances because I got a new job being XXXX I have Got a new job so I needed a checking account however Citi bank closed my checking account and savings as well but theres one big major issue I cant access my funds and I cant get reach of anyone : ( I have my social security XXXX  funds and my own savings all in that one checking account, I cant pay my bills Im geting notices of repossession from XXXX and Citi bank is still allowing deposits to come through a closed account instead of doing the right thing and sending it back they also opened back the savings but my checking is closed this is nonsence
Consumer complaint received 2020-10-06
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. (NC)

I have asked XXXX and TransUnion to investigate the late pay and accounts that do not belong to me. According to XXXX and TransUnion, they said the creditors verified the accounts and accuracy. I sent them both a letter stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. TransUnion said they didn't know if they could do that. XXXX said they will provide a method of verification other than e-Oscar. 

I feel XXXX and TransUnion are not reporting accurate information about me. In addition, TransUnion will not allow me to view my credit report online from their webpage or from XXXX XXXX XXXX  This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about, which is preventing me from getting these errors corrected and/or removed. 

They failed to honor my request even after saying it was verified.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-29
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. (GA)

I have found false and misleading information on my consumer report which violates my consumer rights according to the FDCPA, GLBA, RFPA, & FCRA. 15 USC 1681a ( 2 ) ( B ), 15 USC 1681i disputed accuracy, 15 USC 1681s responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1692g validation of debts, 15 USC 1692e false or misleading representations, 15 USC 1681b permissible purposes of consumer reports, 15 USC 1681c-1 protection of consumer information, 15 USC 6801 protection of nonpublic personal information, 15 USC 6802 obligations with respect to disclosures of personal information, 15 USC 6803 disclosure of institution 's privacy policy, 12 USC 3403 confidentiality of financial records. I'm sure the immediately removal of these accounts and inquiries will solve the problem of the laws that you are in violation of.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: ENOVA INTERNATIONAL, INC. (VA)

NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I am a single parent trying to raise 3 children.  I recently checked my credit score. I have a few hard inquirys i never authorized XXXX  XX/XX/2020, XXXX/XXXX XX/XX/2020 and it appears on my credit report I never authorized anyone to run my credit on said dates and i did not try to apply for these cards nor did I ever with said companies. This is fraud and I would like removed from my credit file and to all credit agencies unless you can show me a document stating and showing me where I signed & gave permission. I have no relationship with either company. I also see there are Derogatory Marks the first one XXXX  which is on behalf of XXXX I don't owe them anything they are mistaken, XXXX on behalf of national grid they are mistaken. anything involving those 2 companies they were paid and it was resolved and no where near that amount of money. XXXX  and XXXX both on behalf on XXXX  XXXX  pretty sure that one is also something not authorized by me. I am asking under the fair credit reporting act for these to be looked into and to be removed from transunion, XXXX, XXXX  and any reporting companies. Thank you for you time. I have also attached to photo 's so you can see what I am looking for to be removed as it is all inaccurate information which is hurting my credit score
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TN)

My credit was shown as 30 days late to XXXX, but not on XXXX or XXXX onXX/XX/XXXX However during that same time it also shows as not reporting to any credit reporting agency during the months ofXX/XX/XXXXto XX/XX/XXXX. This is an error since I have never been late on making my account payments. I have tried contacting them but they have not removed this inaccurate reporting from my credit files to XXXX.
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NJ)

allied collection services is saying i owe them {$430.00}. they have negatively impacted my credit report with this false item. i dont owe them anything at all. i dont recognize this debt. they are trying to collect a debt not mine
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-03-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I request that the company Wells fargo dba ASC produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms XXXX, XXXX, or form XXXX. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trust Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
Refund of all funds submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trurst Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.
Consumer complaint received 2020-08-17
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. (OH)

There are accounts on my credit report that do not belong to me I have tried many times to get these accounts removed from the credit reporting agencies but it is still not done. I have never done business with any of these companies and this is effecting my credit negativity and it is stopping me from buying a home.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Citicards refused to issue a refund of the points used to book air travel. The air travel was booked through XXXX XXXX. The flight was cancelled by XXXX XXXX. The airline has stated the original form of payment has been refunded and Citi is not following the directions given by the airline. I have booked the same travel with two different credit companies, both refunded my points with no issues.
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

Since my lease ended with GM Financial, the amount owed at the end of the lease has changed three times. 

Initially I was sent a bill for {$1300.00} but it did not include details on the inspection results for excess wear and tear. I called to get the details and reviewed the inspection results with the agent on a site they use. During the discussion we determined that the amount shown in the inspection did not match the amount shown as due to GM Financial. I was instructed by the agent to wait a couple of weeks while they requested a correction/confirmation of the actual amount due. 

After waiting couple weeks, I checked the amount owed on the site and it now showed {$0.00} due. When I called in to confirm if the amount due was correct, I was informed to disregard the amount as it was incorrect. Once the pending adjustments were made, I would receive a new bill for the final amount. I never received the bill. 

On XX/XX/2020, I checked the site again and it now showed that I owed {$810.00}. That day, I paid {$410.00} towards the amount due so it would leave me with a final payment of {$400.00}. 

When I checked the site again, it now showed that I owed {$800.00} by XX/XX/2020. I once again called to confirm since the prior amount it had shown was {$810.00} and with the payment I made, it should reflect only {$400.00} due by XX/XX/2020 and not {$800.00}. 
I was told to disregard the amount shown and that I indeed only had to pay {$400.00}. 

Today I logged in to the site to make the final payment of {$400.00} which was agreed upon previously. However, the site still shows that I owe {$800.00} by XX/XX/2020. I once again called to confirm what the correct amount due. The agent confirmed that I needed to pay only {$400.00} and that I should disregard what showed on the site. 

While she agreed that the site can be inaccurate, she indicated that they were providing payment information online as a courtesy. They were under no obligation to show the correct amount on the site and that the correct amount due was told to me when I called in.