davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
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: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

On XX/XX/20, I did my annual credit check, and found on there listed that I had made 13 consecutive missed payments on an account. I called the bank immediately and tried to rectify the error. I also have two other credit accounts with this bank and both are exceptional status and paid automatically. I told the bank that I had never received a notice of late payment, or any notice that my account was so far behind, no billing statement, and that my online account showed I owed nothing ; which was different from what they were reporting to the agency. I also told them how ridiculous it sounds for me to not have paid {$4.00} for 13 months, while making payments on my two other accounts for 10x that amount, monthly. They didn't change it. I filed a dispute with XXXX  the same day. On XX/XX/20, XXXX informed me the dispute was complete and no change was made. The error remains on my credit report, and has dropped my score 50 points in 10 months.
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2020-11-24
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: McCarthy, Burgess & Wolff, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX agency is reporting information on my credit file that is not mine and do not belong to me. I requested this collection via certified mail to delete and stop reporting this information that is not mine. I requested the contract with my signature or anything with my signature and they have failed to do so. I asked them not to send me a copy of a account statement because anyone can get an account statement and type it up as if it belongs to someone. I would like the entire billing detail history and summary and the original contract with my signature. I am tired of these collection company 's not verifying information before they slap the collection on the wrong person profile because they did not take proper steps to verify that they have the correct person. I can go online and make a account statement for any XXXX XXXX out there. I can go online and find someone with my exact name and create false information. The items I uploaded is their response back and unacceptable. I asked for my signed signature not some bill of sale to their collection company from another collection company.
Consumer complaint received 2020-10-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (MD)

Ability Recovery Services LLC ( ARS ) continues to try and collect funds for XXXX University when the debt was paid under a settlement agreement. ARS refuses to post a XXXX  balance and continues to slowly report increments of lesser amounts. A representative XXXX said she was going to remove the account from XXXX  do no one could see the previous previous balances and know what they are doing to costumers when they pay off their debt. The debt was already charged of but collection efforts continued to be made by ARS. XXXX was paid to settle the account but XXXX  reported XXXX was due. Then the representative XXXX said XXXX was due. They are gradually decreasing the amount ant I was denied credit. Therefore, the way they are processing payments and reporting the XXXX  is creating a hardship.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (NC)

On XX/XX/2020 I opened a checking account with Charles Schwab XXXX XXXX XXXX XXXX. Both Checking and Brokerage accounts were immediately approved and opened, I was able to access them online. On XX/XX/2020, I received a letter in the mail stating that my account has been closed as it " Doesn't meet Schwab 's business guidelines. 

My credit score is excellent and I don't have any negative remarks on any type of credit bureaus ( XXXX XXXX XXXX, XXXX ... etc ). I had a Checking and Brokerage accounts with Charles Schwab in the past, I had them for years, that was also closed without an explanation. I used that account for daily debit card purchases. All other transactions were Bank to Bank XXXX, No cash or money orders were deposited in that account.
Consumer complaint received 2020-11-25
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XXXX XXXX, 2019, NMAC add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, 2019, XXXX XXXX, XXXX  XXXX  add a hard inquiriy on my credit report per XXXX  . No contact information has been reported by this creditor.
Consumer complaint received 2020-10-30
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: JPMORGAN CHASE & CO. (NY)

Fraudulent transaction, accepted forged signature by Visa and Chase for over-chage I hired a company to move his belongings from XXXX, New York to XXXX, New York. I was given to a quote that the move would cost {$1500.00}. 
I agreed to pay a deposit of {$100.00}, plus {$690.00} on the first day of the move ( XX/XX/2019 ) and {$790.00} upon delivery ( XX/XX/2019 ). Upon delivery, companys rep requested that that I sign authorization for payments of {$100.00}, {$690.00} and {$4900.00}. I refused to sign for the {$4900.00}, as I have not agreed with it. I signed for the {$100.00} payment and attempted to sign for the {$690.00} as these were payments that he had agreed to pay. 
On XX/XX/2019, my credit card was charged the sum of {$4900.00}. My signature was forged and both Visa and Visa Chase accepted that. I was far from the place and the time of the purported fraudulent signature to the agreement. The company is located in XXXX, XXXX XXXX, XXXX XXXX. My residence at that time, on XX/XX/2019 ) was in XXXX, NY. That is 260 miles distance ), which my employer, the XXXX School District attested to ). 

During the dispute process, VISA stated that it was within Chase 's policy to accept an unauthorized transaction in this case, and Chase states that this is Visa 's policy.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I applied and was accepted for a loan from XXXX XXXX. I have the E-Mail confirmation and terms. I lost my job and I am going through legal troubles because of my ex who moved out. The loan was for {$10000.00}. It was supposed to arrive in my account at XXXX XXXX XX/XX/2020. USAA Bank randomly locked me out of my account as I suspect they saw a large amount of money coming in. I was prompted with a phone number to call and clear up any issues. I attempted to do this and the USAA rep told me my account was being investigated for fraud. I immediately became enraged as I had {$2.00} in my checking account and needed to transfer the only {$20.00} in my savings which was supposed to be TOWARDS RENT to my checking account so I could go buy food. Instead USAA froze my Online and Phone access and blocked my phone number from calling their service. Now I am stuck at home with no access to MY bank account where my only {$22.00} and hopefully an incoming loan, if the timing that the loan officer described was correct. Now I have to sit and worry about USAA trying to mess with or take my money from a loan. This is not the first time I have seen a bank do this. If I remember correctly, XXXX XXXX did this and later I got money from a lawsuit because of it. Also XXXX XXXX XXXX in similar but different circumstance with their data charges and rates. Thank you for your help for as the at the moment I am defenseless and fighting for my money to get food. I am going to try to remember to apply for food stamps tonight.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP. There are several items on my credit report that are reporting inaccurately and they should be removed. 

XXXX, XXXX, and Experian have yet to send ANY correspondence for my requests and completely ignored every letter.
Consumer complaint received 2020-12-30
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. (VA)

I am writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX  took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2020-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Lost my card was charged XXXX on XXXX for so.ething i didnt buy. They opened an investigation and almost immediately stated that no fraud was found and closed my investigation.
Consumer complaint received 2020-11-24
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: Santander Consumer USA Holdings Inc. (NY)

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX Chrysler and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Consumer complaint received 2020-10-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can
reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (AZ)

A derogatory account that was previously disputed and removed from my credit report around XXXX was recently re-inserted. This account was originally reported as delinquent as XXXX but I disputed it and it was removed. And now it is re-inserted. I was also not notified working 5 days of re-insertion. This goes strictly against the FCRA 611 ( a ) ( 5 ) ( B ). I would like this item to be swiftly removed from my credit report as it was previously removed from disputing it, and I was never notified of insertion. The re-insertion was made in XX/XX/XXXX. 

The company reporting this is Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX The amount in question is {$320.00}
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I co-signed on the loan to help a friend in XX/XX/XXXX. When I co-signed I was assured by the financing company that I would only stay on the loan for 6 months. The car company explained that I were only needed to lower the interest rate & that I would be removed from the account. They never removed me but I also had no knowledge that they didnt remove me until the repossession of the car. My friend told me that she called them & explained her situation with finances. They assured her that they would work with her. The car started breaking down but the company refused to help get it fixed & the car was still under warranty during this time frame.
Consumer complaint received 2020-11-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VW Credit, Inc (VA)

I am filing this complaint because I as a consumer went on the FTC and CFPB website and use the sample letter to dispute a account with VW Credit , INC, the Original Account # XXXX : VW CREDIT , INC Account # XXXX. I am filing a non-compliance complaint violations against the FCRA and FDCPA that I have a right as consumer to dispute anything on my credit and not get a response back that it is FRIVOLOUS., FRIVOLOUS like I can not do research and investigating to find out. Why the credit bureaus are violating my consumer rights by letting this company report inaccuracies and errors with wrong amounts of what they say I owe and different dates of when I open this account, last activity, and last payment. So, here are the violations as follower. No VW CREDIT THIS IS ME : XXXX XXXX XXXX asking showing you all the violations and misrepresentation you are reporting : I know from studying different agencies website that the creditors and collections companies pay the bureaus to report these items. I wrote to VW CREDIT INC letter of validation about this account but they laugh said FRIVOLOUS WOW. I wrote on XX/XX/XXXX and they received it on XX/XX/XXXX. I have the letter attached that I sent to them. That was the 2nd one they respond to both as FRIVOLOUS. So, since you guys think everyone can pay a credit repair company will I can not. So, here are the violations as followed : 1 ) FDCPA Sec. 807 ( 11 ) they never disclosed that it was a attempt to collect a debt. That is fine.

2 ) Reporting credit inaccurately to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX vs XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. This defamation and causing financial injury. 
3 ) They fail to report to the credit bureaus this account is being disputed. Protection under the FCRA Section 623 that {$1000.00} and higher. 
4 ) Reporting " Re-Age '' by reporting the date of the last activity instead of the date of first delinquency this Fine starting at {$1000.00}. 
This month the FTC, State and Federal law Enforcement Partners Announce Nationwide Crackdown on abusive Debt Collection. 
I maintain a careful record of my communications with you, should you continue in your non-compliance by not deleting this account item from my account. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Please delete this item immediately my finally good gesture. It is cause me harm financially.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NV)

I opt out Experian and still have items showing of services on Inquires. I have opt opt out and Experian has not stop the offers on OPT OUT