davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Porania, LLC (GA)

I am writing to dispute a bankruptcy listing that has appeared on my credit report, which I have reviewed and determined to be incorrect. The bankruptcy listed is associated with my name, but I have never filed for bankruptcy. 
Here are the details of the incorrect entry : Credit Report XXXX Bankruptcy Case Number : XXXX Date Filed : XX/XX/year> I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. To assist with resolving this issue, I am enclosing copies of the following documents that support my claim : I kindly request that you investigate this matter and remove the inaccurate bankruptcy entry from my credit report. Please provide me with a written confirmation once the correction has been made. 
If you need any further information or documentation to resolve this issue, please do not hesitate to contact me. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRIVE NOW AUTO CREDIT COMPANY INC (IN)

To Whom It May Concern : I am writing to address a significant issue regarding the inaccurate reporting of an account associated with Drive Now Auto Credit on my credit report. This account was initially labeled as a Repossession and later amended to a Paid Repossession, which is entirely incorrect and unjustified. 

Firstly, I would like to provide clarity on the circumstances surrounding the acquisition of the vehicle in question. On XX/XX/XXXX, I entered into a transaction with Drive Now Auto Credit to purchase a XXXX XXXX XXXX XXXX, listed online at {$9800.00} with XXXX miles. Despite encountering unprofessional behavior during the transaction process, including disputes among staff regarding commissions, I proceeded with the purchase due to my urgent need for a vehicle. 

Throughout the following XXXX days, I cooperated with the dealership, providing requested documents and information, despite the unexpected increase in the vehicle 's price and the subsequent discovery that the vehicle had previously been wrecked, which was not disclosed beforehand. Despite these setbacks, I took possession of the vehicle, only to be later instructed to return it for the installation of a GPS disabler, under the guise of ensuring payment compliance. 

Ultimately, I returned the vehicle in response to this unreasonable demand, and it was subsequently resold to an acquaintance of the managers daughter without following appropriate procedures. This mishandling of the situation has had severe repercussions on my credit score, impeding my ability to secure financing for another vehicle and resulting in exorbitant interest rates when I finally managed to do so. 

Repeated attempts to dispute this inaccurate reporting have proven futile, and my interactions with Drive Now Auto Credit have yielded no resolution. Attached is a letter from a former manager, albeit with incorrect dates, affirming the unwinding of the loan associated with the vehicle. Despite this documentation, the issue persists, compounding the distress and inconvenience it has caused me. 

I implore you to take immediate action to rectify this situation. The erroneous reporting of a repossession has had profound consequences on my financial standing and quality of life, and it is imperative that this matter be addressed promptly and comprehensively. I seek your assistance in ensuring that this unjust mark on my credit report is removed, and appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this matter. I eagerly await your response and swift resolution to this ongoing ordeal.
Consumer complaint received 2024-06-02
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. (CA)

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.

I have informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX However, t

hey stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 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 2024-06-01
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 creditor has changed the charge off date on my credit report. They have changed information on file for the past XXXX years and are now reporting that there was ND no data. They have changed the date that the report will be removed so that this will remain on the report for XXXX years. In the state of FL the statute of limitations is XXXX years. Experian agreed to remove this from my credit report just as it has been removed from the other two agencies but they have instead concluded their investigation without changing anything. They are allowing this creditor to continue to report false information and information that they actually have on file as accurate. They have changed the removal date from XX/XX/XXXX to XX/XX/XXXX which means that this account will be reporting for XXXX years. I have tried the dispute route with Experian and was given a dispute number over the phone. I was told that the account was being removed. They made a 3 way call to the creditor with me and the creditor was unable to find me in their system because the information has been removed. Experian told me that they do not understand what is going on so they were going to remove it from my report. They have not.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-16
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. (CT)

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 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (NC)

On XX/XX/2024 XXXX took {$350.00} out of my XXXX account. I never made this purchase, but did not notice this deduction until XX/XX/2024. I called the XXXX to dispute the charge and they could not help since it was over 90 days. I called XXXX and they did not deny that they took the money, but they took it on behalf of another company that no longer does business with them. I asked them to return the money and they will not. I let them know that this money was taken from a XXXX account and there will be taxes and penalties I will have to pay since this was not for an approved purchase. Im not really sure what XXXX really does but they are not willing to help.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am a transactor, therefore paying off my credit card at the end of each month. For the last two months, I have been charged interest. I paid the balance less the Rewards that I applied as a Statement Credit and was still charged interest. I have called Bank of America and they refunded the fee but this is deceptive on their part. The balance was paid in full, even if a small amount was a statement credit from the Rewards. It's as if my Rewards were applied or aren't being recognized as a Credit.
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

XXXX Called my phone at XXXX stating that information gained would be used for debt collection. I asked the caller to verify the time of the call right out the gate, and he said it was XXXX CST ( XXXX EST my time ) When I pointed out that they were calling after XXXX, the gentleman told me it doesn't matter that they can call as late as XXXX. I again pointed out that he was calling after legally allowed debt collection calls. I asked for a supervisor and he told me if I was refusing to speak to him he would be terminating the call. 

I called back and asked for a supervisor and explained the situation to the female who answered the phone, and she told me it didn't matter as they could call whenever and that it was just " recommendations ''. 

To note- I have previously asked for things in writing from this company. They refuse. I have disputed and successfully won removals- and they turn around and re-add it back onto my credit file.
Consumer complaint received 2024-07-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 my account without my written instructions.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Reporting Late Payments Company Name CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX In Accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer report for any purpose
Consumer complaint received 2024-08-17
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. (CO)

I received a letter sent on XX/XX/year> in my XXXX XXXX that said there were XXXX or more negative information added to my file. I obtained my Consumer Disclosure Report the next day and I received another letter sent on XX/XX/year> that gave me a link and a password to look at my Consumer Disclosure Report to see if anything was wrong. After reviewing the Consumer Disclosure Report I called the XXXX number and asked for all of the soft and hard inquiries to be investigated. On XX/XX/year> I received a letter of the investigation results. I didn't understand what the results were so I called the XXXX number and she told me that what " We have reviewed the information from our inquiry Records and determined the data being reported as unverifiable ... '' meant was that all of the inquiries were unauthorized. She also told me to contact my states attorney general. I filed a complaint with my states attorney general and they emailed me to go to this website.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

On XXXXXXXX XXXX XXXX, my social security was used to open an utility ( electrical account ) on an apartment in the state of Texas. I made an FTC report and the late payments were cleared. Few weeks after I noticed that the total amount was sent to collection. I spoke to the Collection agency and explained, they stated they will send over a fraud package to my home address to complete a form along that, I had to send over the FTC report.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (PA)

I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX XXXX report : Dispute XXXX o Account Number : XXXX o Amount : {$20000.00} o The report shows I currently owe money to XXXX that I have already paid. XXXX was paid in full, please close account as paid in full. 

Dispute XXXX o Account Number : UNKNOWN o Amount {$100.00} o Sunrise Credit Services appeared on my credit report without any notice. It is my consumers right and credit law that I be notified of any debts before appearing on my credit report. I am also not aware of the debt. 
Please delete this from my report. 

Dispute XXXX o Account Number : XXXX o Amount : {$830.00} o The report shows I currently owe money to XXXX that I have already repaid. XXXX or XXXX agreed to delete this account from my credit report as they were paid. 
o Please Delete. 

Dispute XXXX : Account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX is still reporting XXXX XXXX which was paid 2 years ago. 
Amount : {$830.00} Please delete. 

Dispute XXXX : Please remove the following addresses, they do not belong to me : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX PA XXXX I have attached a copy of my receipts and correspondence with the accounts mentioned. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C (NY)

Kirschenbaum & phillips had sent me a letter stating a lawsuit has been filed against me. I never received any summons notice as stated in this letter about this lawsuit that was filed on XX/XX/XXXX and the letter was dated XX/XX/XXXX. I have also received harrassment calls from this law firm multiple times a day but never left me voicemails. They would call me XXXX minutes apart starting on XX/XX/XXXX. It claims the plaintiff is XXXX XXXX XXXX, there is no supporting documents/proper validation showing proof of the debt and who the original creditor was.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number:XXXX has violated my rights. Or 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.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I processed a payment on XX/XX/23 for {$90.00} after processing my payment I received an email saying they processed for the full balance on the card of {$3400.00} which is not what I selected I provided screenshots as proof that I always take when making my payments every month. I called PenFed and spoke with 2 representatives and a supervisor to be told they cant correct their error and their system doesnt have a way to stop payments even if its their error. Now my bank account is going to be overdraft and I will get fees from my bank. To top it off my other bills I set up to come out of my account will be rejected and Ill get returned payment fees for my other bills I paid earlier that day! Its beyond ridiculous that their system messed up and they refuse to fix it and undo their system error
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a student refund check and put it on my account XX/XX/2024. Later that night I noticed I was not able to get into my account. Went into the 53rd branch on the XXXX and found out that my account is blocked due to fraudulent activities. I was told that the investigation will go on for 3 business days. I have a total of 3 accounts with them. My student refund check was added to only one of my accounts. My job paid me on the XXXX on a different account from where I put my refund check on. So I asked if they could uplift the hold on my other two accounts that had nothing to do with the account with the refund check on it. They told me no. I have no other options for money, that was my work check how I live and feed me and my XXXX children and also gas to get to and from work, im a XXXX XXXX  I have been with out my funds since XX/XX/XXXX it is now XX/XX/XXXX, the XXXX day will be XX/XX/XXXX so as of right now I still have no funds. I have had to miss work because I dont have gas and I drive hours at a time there and back. I have had to take me and my XXXX children ages XXXX and XXXX to the shelter to get food and also because of the tornado my lights have been out. If I had access to my work check I could have got us a hotel and food, I do not have any government assistance I pay everything in cash. The pass couple of days have been hell all because of 53rd falsly accusing me and holding my hard earned money. I want justice!
Consumer complaint received 2024-07-20
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: Bridgecrest Acceptance Corporation (GA)

This auto loan was opened fraudulently. I've been fighting fraud for years and this account on my credit report is one of many. My identity was stolen when I was XXXX and I've seen been placing fraud alerts on my credit files to prevent fraudulent accounts being opened in my name. 

I have documentation from the IRS and police reports.
Consumer complaint received 2024-07-19
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: SELECT PORTFOLIO SERVICING, INC. (CO)

Select Portfolio Servicing, Inc. ( SPSI ) took over my ( XXXX ) loans effective XXXX XXXX XXXX. Prior to SPSI, I was paying XXXX XXXX XXXX XXXX ( XXXX ). 
I sent a check to SPSI for a total of the XXXX payments which they deposited on XX/XX/XXXX. I also referenced the XXXX loan numbers that I was given from XXXX. SPSI applied all the funds to XXXX loan. I started receiving daily messages from SPSI wanting to know why I had not paid my loans. I called SPSI on XX/XX/XXXX and spoke to XXXX. He stated he understood the problem and said that he received approval from management to get the problem fixed. Nothing was mentioned about taking 10 business days to correct the issue. 

I sold one of my houses and closed on XX/XX/XXXX. The issue was not yet resolved so I had to have additional funds withheld at closing because the payoff was incorrect from the original issue not being resolved. 

I called SPSI today and requested to speak with a supervisor. XXXX got on the call and I explained what had happened and was told that cashiering was advised of the situation and that it would take up to 10 business days to correct and another 10 business days to disburse the funds. I told him that this was unacceptable, I needed my money and asked if SPSI is going to pay me late fees and interest for holding my money. He said, no, we did nothing wrong. I asked to speak with someone in cashiering and was denied. I told him that they misapplied my funds. His response was that you are not supposed to make multiple payments on 1 check. My response back was that I never received correspondence stating that this was not acceptable and that XXXX didn't have a problem receiving multiple payments on the same check. When I asked to speak with his supervisor I was told once again that he was on the management team and that he did not have a supervisor. I then asked if he was the CEO and he stated that I needed to respect him and stop belittling him. I stated it was a simple question, are you the CEO yes or no. He said no and I said then you have a supervisor. He would not let me speak to anyone else to get my money. I was basically told that it would take up to XXXX business days. Not acceptable when it was not my fault!