davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, I noticed that inaccurate information remains despite multiple attempts to correct it. The credit bureaus, XXXX, Experian, and XXXX, have continued to verify this inaccurate information as accurate, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX. I have attached proof that demonstrates the information is not accurate. 

This repeated verification of incorrect information violates my rights as a consumer. Under the FCRA, you are required to conduct a reasonable investigation and remove inaccurate or unverifiable information from my credit report. Failure to do so has caused harm to my credit standing, and I demand that this inaccurate information be removed immediately. 

Please refer to the attached documentation for further proof of the inaccuracies. I expect this erroneous information to be removed from my credit report, in compliance with the FCRA, to ensure my report reflects accurate and fair data.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I have sent VOD letters to XXXX XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery Associates, and XXXX XXXX XXXX. I received a call this morning ( XX/XX/year> ) around XXXX to be exact from XXXX XXXX XXXX XXXX Called back at XXXX. First, they could not tell me who they were calling from ( the company they are representing ) then when I brought up the VOD letter I sent them the guy put his manager on the phone and his manager started calling me names, telling me I do not know what I am talking about, saying that THEY DO NOT HAVE TO LEGALLY SEND ME THE VOD!!! Then proceeded to tell me that my VOD letter was " just found on the internet and it doesn't mean anything ''. I have not received a response from any of the other companies yet. I am still awaiting my VODs from these companies and frankly, they all have invalid/incorrect information on me such as email, phone number, etc. Therefore I would like these removed from my credit report and I would like such calls to STOP. This is a violation of my rights under the FCRA. 

NOTE TO ADD : These companies have 28 days left to send the VODs.
Consumer complaint received 2024-07-23
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: Continental Finance Company, LLC (MD)

Thefollowing obtained my information, phone number all e mails from the XXXX XXXX XXXX  breach Continental finance companyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX celtic bank - XX/XX/XXXX I called contineltal/ celtic bank they said they removed my information but yetstill on file i never applied for anything with them, I have changed user and PW with XXXX XXXX, but this needs taken off profile too.
Consumer complaint received 2024-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

I changed on XX/XX/XXXX my due date from the XXXX to the XXXX. However, the auto debit for XXXX still processed on XX/XX/XXXX, even though the new due date is XX/XX/XXXX. The servicer has no record of my {$2600.00} payment on XX/XX/XXXX and cant apply it as a credit to my account or refund it.
Consumer complaint received 2019-07-06
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. (CA)

I have been trying to resolve these issues with XXXX XXXX from XX/XX/XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (GA)

This is an ongoing dispute with Resurgents, XXXX XXXX, and XXXX XXXXXXXX XXXX account number XXXX. I've asked that this account be deleted from my XXXX, XXXX and experian reports because payments were made through XXXX XXXX This dispute is not about me owning any money, it's about me providing proof this account has been paid in full. Resurgents is not the original creditor, so they are trying to collect money on a paid account, and an account that's too old to be collected on. I have the letter from True accord. my payment history, and the settlement offer from True accord made on XX/XX/XXXX. My first payment started on XX/XX/XXXX, and I also requested this information from XXXX XXXX XXXX, along with my payment history from True accord, but has yet to receive it, which is a violation of my rights as a consumer. I have a letter that I wrote XXXX on XX/XX/XXXX, XXXX stating that I had settled this account in full from a settlement offer with true accord and nothing was done. It's now XXXX, and still nothing done. Again, I requested this same information from XXXX since they acquired my account from true accord. Where is that information, which by law, is supposed to be given to consumers, when asked? I also have other documentation contacting XXXX about this same account on XX/XX/XXXX and nothing was done. This account was not opened on XX/XX/XXXX, which was the date XXXX acquired this account from true accord. Secondly, how was it opened XXXX on XX/XX/XXXX and the 1st delinquency was XX/XX/XXXX? You sound ridiculous and it needs to be removed. I've received nothing from Resurgents validating this debt. Resurgents, your collection practices are fraudulently and your corporate office will receive a copy of this letter, and the attorney General. 
The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more than seven years old. Incorrect, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. I am requesting validation from XXXX XXXX XXXX, the date this account was opened initially, ,and not when it was sold.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (NJ)

I have attempted to contact Selene Finance by email and phone regarding the confirmation of my homeowners insurance and to discuss my monthly payment. I was sent a letter on XX/XX/year> after attempting to contact Selene by phone and email for a month. The letter stated that my contact person is XXXX XXXX with a phone number of XXXX, without an extension. The phone number provided is a generic phone number without access to speaking to anyone. There is no way to contact customer service and speak to a live person, nor thru email. My issue is urgent regarding my homeowners insurance. I am unsure if there are any live agents. I need them to contact me asap as my homeowners insurance renewal is due in 2 weeks.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

To Whom This May Concern, PORTFOLIO RECOV ASSOC I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all depts. I am also revoking all rights of them ( PORTFOLIO RECOV ASSOC ) communicating with me through email/text/calls. I would also like to request the purchase agreement between PORTFOLIO RECOV ASSOC and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX I bought my dad a certified pre owned XXXX XXXX XXXX from XXXX XXXX XXXX with XXXX XXXX Miles. Right away the cars computer was telling me to check the charging system. I brought the car to the dealer on XX/XX/XXXX my next day off to have them fix the issue and they told me it was normal and sent me away. After that I inspected the battery to find the terminals where so corroded they had an inch of corrosion all around each terminal. So I brought the vehicle back on XX/XX/XXXX my next available day to have them fix the issues and they refused to fix the car because I had my emotional support animals in the vehicle. Since then I have had to jump start the vehicle every day to get to work. XXXX  XX/XX/XXXX the vehicle completely stopped working and I had to tow it into the dealership. So under the Toyota certified warranty there is a XXXX point inspection that I am sure was never done because I would figure the first thing they would check would be the battery. So I was not given what I promised to pay for. The vehicles obviously a lemon. None of the electronics work correctly. It has a major electrical issue. So I spoke to the sales manager and he told me that they would switch the vehicle out for another I choose around the same price and give me a vehicle free of defects like they originally promised. So I go to the dealer with the tow truck the on floor sales manager shows me the vehicles I can choose from that they have in stock and takes pictures of them and tells me he will call me in the morning to let me know what I need to do to get the new vehicle. Yet instead I get a call from another sales manager I had been speaking with about another issue and he tells me the vehicle is ready for pick up. When less than 24 hours before that I have him on a recorded call telling me he would make this right and switch the car out. I refuse to pay the payments on a vehicle that is a lemon and as my rights as a consumer I reserve my rights to fair and just treatment along with not being lied to and coerced. I was in no way, given what I promised to pay for. I was sold a vehicle free of any major electrical issues and I got a car with a bunch of major electrical issues. This is very wrong of a dealer to do to an elderly man in a time of teases ion and a pandemic. I feel very taken advantage of and wronged. This is not how a consumer should be treated or anyone at that matter. Theyve lied up and down about everything and anything and have told me three different things in the tune to where I can not trust a word they tell me. This is a XXXX XXXX dollar loan for a new Toyota I should not be dealing with any of this. I did agree to pay XXXX XXXX dollars for a lemon. I have contacted the Toyota brand headquarters multiple times over this with no resolution and I am hoping you will help an elderly person being prayed upon by this dealership.
Consumer complaint received 2023-06-12
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: Southern Management Systems Inc. ()

SEE ATTACHMENT FOR IDENTITY THFT REPORT. 

An unidentified account that is not mine was furnished to my consumer report on XX/XX/2023 and flagged for collection as of XX/XX/2023 in the amount {$9000.00}, by SOUTHERN MANAGEMENT SYSTEM who also placed an address on my consumer report that is also not mine nor am I associated with. I reached out to the furnisher to make them aware of this error and mistake and request for it to be corrected by deletion as they were unable to verify my information with that on record. They refuse and sated I will have wait for an investigation to concluded as someone else already dispute it. I informed them I will be disputing the account also, to which I was to told I will be threatening them if I do, shortly after they disconnected the call.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (MI)

Yesterday, XX/XX/XXXX, I received a CashApp Debit Visa card that was ready to be activated. I do not have a CashApp account or card, I have zero affiliations with the company. Yet, this card has my name and address. 

I contacted CashApp support but was greeted with skepticism because it took over an hour to get a human-being on the line, and the phone number callback I received was being reported as Spam. After doing some research, there have been cases of fake numbers and people pretending to be CashApp support. I went through their official support line but I do not feel secure about it. They asked redundant questions over and over, and I had to respond to their email support with the same information I provided during the call. Not to mention I don't know how much I can trust the poor formatting and generic email I received. 

I am attempting to close this card, but I am unsure on the individual who tried to open an account with my info. I don't know how much info they have access too. I checked all my bank accounts and I am not seeing any suspicious activities yet.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (CA)

Dear Collector, I'm shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I don't know your company, as you XXXX be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( 1 ). Contract with my name on it.

( 2 ). Full accounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state. 
And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above.

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney General 's Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Don't escalate this matter further over this little debt. Delete it at once.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Presidents Office, Capital One Sir/madam By now I will have moved over $ XXXX in deposits to another bank, a bank who values me as a customer, and shows me the respect EVERY customer deserves. 
In XX/XX/year> I was issued a new Debit Card. From Day 1, the card did not work always declined when I try to use it. 

Since then : 1. I have visited a Cap One branch ( XXXX XXXX XXXXXXXX MA ), they were not able to help and directed me to the 1-800 service line 2. I have personally tried to activate the card XXXX XXXX. I called the service line multiple times they opened a ticket with the debit card team 4. 2 weeks have passed I started calling the service line, they tell me the debit card team has not worked the ticket yet 5. I have escalated to a manager twice, both times they tell me they have no ability to escalate the issue further, and no ability to resolve my problem 6. I called my local branch and spoke to an agent, who also said they are powerless to help 7. I have spent HOURS of my own time trying to resolve this. 
Now XX/XX/XXXX, I still have no access to my cash, and accounts and there has been no progress or communication from Cap One. 
Consider this : 1. A loyal customer with multiple accounts and over $ XXXX in deposits can not access their own money FOR MONTHS 2. That same customer has spent hours of their own time trying to get service and only gets DISRESPECTED by powerless staff, and no ability to escalate an urgent issue 3. Your own managers and front-line staff are POWERLESS TO HELP CUSTOMERS 4. Your debit card team has not worked an urgent issue, or communicated with the customer who can not access their own money FOR WEEKS 5. It is IMPOSSIBLE for a loyal customer to access a PERSON who has the ability to help them with a serious problem 6. Despite all the disrespect I have been shown, I still take time to write you this letter. 

As an experienced XXXX  and XXXX, your CULTURE, and your SYSTEMS are BROKEN. The XXXX is a cute concept but not if the cute people loitering in the lobby can actually help customers. While I have moved on from Cap One, I urge you to fix your broken systems and culture, for I can not imagine a bank President keeping their customers, or their job, for long.
Consumer complaint received 2019-07-06
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: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' XXXX, XXXX, XXXX XXXX XXXX, XXXX