davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had a student loan with XXXX XXXX  for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX Equifax, and XXXX  have been reported to with these invalid dates.
Consumer complaint received 2024-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc. (NH)

We received two bills from XXXX XXXX XXXX in XX/XX/year>, and paid them promptly ( using one check for both bills ). XXXX were for XXXX XXXX, student at XXXX, and were paid by XXXX XXXX ( parent ). Since then we have continued to receive additional bills. After multiple phone calls to XXXX XXXX, I got the proof of payment from my bank and sent it to the address they provided for " investigation '' in XXXX. 

Since then we have heard nothing but continued to receive increasingly threatening letters about turning the accounts over to collections. We have each called them multiple times, and were assured that the issue was still " in investigation '' and that it wouldn't be sent to collections, despite the letters ( which they claimed they were unable to stop due to limitations in their computer systems ). 

We never heard anything back about the status of the investigation but have now been informed that the bills have been turned over to collections. Each time we call we spend a long time going through automated systems and waiting to talk to someone, and they are not helpful. 

We believe XXXX XXXX is now breaking the law in how they have handled this matter. It has caused us tremendous stress and aggravation, and is threatening the credit rating of a newly-graduated student just trying to establish credit. We asked about this situation on the XXXX XXXX facebook page, and several others reported having similar issues with XXXX XXXX. XXXX people said they had actually paid bills that they believed they'd already paid, just because XXXX XXXX kept hassling them and they didn't know what else to do. 

I'm not sure if this company is actively cheating people or just incompetent, but I would request that they be investigated. 

I am uploading the collections letters, the proof of payment provided by my bank, and the original bills. Highlighting shows that the account numbers match.
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUSSRQ Holdings, LLC (PA)

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nun # ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I have already filed a complaint a few weeks ago. Since I did that they are calling me even more. Its harassment they call me nonstop one time after another after another. They will call me all day long. When you answer the phone it is portfolios recovery. If you try to call the number back it says this number is disconnected. It is illegal to use spoofed numbers I have a list of the phone numbers they have called me off of just today in the past two hours. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these calls are from portfolio recovery all of them are not actually their phone numbers and they wont stop. They also use profanity and swear at me when I tell them to stop calling me. I want something done about this.
Consumer complaint received 2024-10-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Subject : Complaint Against Capital One Auto Finance for Settlement Agreement Handling I am filing this complaint regarding Capital One Auto Finances handling of a settlement offer for my XXXX XXXX XXXX XXXX XXXX. Capital One offered a settlement of {$25000.00} to satisfy the remaining balance on my auto loan. I accepted this offer verbally on a recorded call, submitted written acceptance via fax to XXXX ( receipt received ), and confirmed through their online feedback form. 

Despite these actions, Capital One refuses to provide written documentation of the settlement unless I make an immediate payment. This requirement for upfront payment before issuing written confirmation may violate Arizonas Statute of Frauds ( A.R.S. 44-101 ), which mandates written agreements for enforceability, and the duty of good faith under A.R.S. 47-1304. Additionally, their refusal to provide a direct email or fax number obstructs my ability to obtain the necessary documentation, potentially violating the Fair Debt Collection Practices Act ( FDCPA ). 

I request that Capital One honor the settlement agreement, provide written confirmation of the terms, and allow my dealer to send the agreed balance of {$25000.00}. This will ensure that the settlement is resolved fairly and according to the terms discussed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sunnova Energy Corporation (CA)

Suunova failed to install equipment to my request and failed to communicate how this issue would be resolved. I was in communication with a Sunnova specialist XXXX XXXX who helps resolve these types of matters unfortunately all communication stopped. one of my request was that I would not make any payments and they would not report anything negative to credit agencies. my many attempts at resolving this ended in failure like this project! I have numerous amounts of emails that state they would try to fix the issue and move the panels and the conduit to where it was specified. Sunnova should be held accountable for these actions by taking the necessary actions in resolving these kinds of disputes. They failed to communicate effectively and resolve the issue at hand after I made every attempt by calling, sending emails and keeping an open line of communication. They went to the extent to report every late payment and to report that it was a charge off after receiving payment in full on XX/XX/year>.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MA)

TD Cash Secured card ( {$500.00} collateral ) was closed by TD bank on XX/XX/XXXX. Received a letter dated XX/XX/XXXX saying that my collateral would be refunded within 5-7 business days, minus the remaining balance on the card ( remaining balance is {$150.00} ) It is now XX/XX/XXXX, and TD Bank refuses to return what's owed ( {$500.00} - {$150.00} = {$340.00} ) AND continues to charge interest on the balance. I have requested multiple times for the collateral to be utilized, and the difference refunded. TD bank is in violation of our mutually agreed upon 'cardmember agreement ' and is holding my funds without cause.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: REGIONS FINANCIAL CORPORATION (IL)

Requested Regions Bank XXXX XXXX and also Regions Bank XXXXXXXX XXXX  location for Lien Release letter ( loan closed in XX/XX/year> ), Customer Support asked me to drive 3 hours one way to XXXXXXXX XXXX to seek this letter stating my loan number doesnt exist in their system after their IT system upgrade. I called Regions Bank XXXXXXXX XXXX location, they said they can only initiate their systems to trigger documents but they dont know what documents will be generated by their systems.
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (NY)

XXXX XXXX XXXX XXXX  {$80.00}, XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$150.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , {$290.00}, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$380.00}, XX/XX/XXXX XXXXXXXX XXXX XXXX {$380.00}, XX/XX/XXXX Remove all inquires on these collections 1-5 Also, can you remove all hard inquires I dont have accounts with such as XXXX XXXX XXXX XXXX on inquiry date XX/XX/XXXX ; XXXX XXXX on inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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. (LA)

I am writing to inform you that I have been a victim of a data breach, which has resulted in identity theft. Fraudulent accounts have been opened in my name, and I am requesting that the following accounts be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX XXXX XXXX  XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$300.00}
Consumer complaint received 2024-08-27
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXcount Number : XXXX Delete this account. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

My personal information was leaked in a massage breach XXXX XXXX XXXX XXXX XXXX to give you an idea of how long this drama has been going on. I never received any type of notification from the company nor any offer for protection for those harmed by this breach, but that is the next complaint. But after reaching out to a provider, they encouraged security freezes and fraud alerts on credit cards, bank accounts, credit reporting agencies and the like. No problem with XXXX and XXXX, but Experian has been a nightmare. Freezes thaw out over night, and I receive notices that the credit file is open again and then I have to go back and place the freeze back on. I try to put a fraud alert on the file and its a doggone scavenger hunt to locate it or they are offering you all these bells and whistles for something you don't want to buy. Do they understand that we are victims trying to find relief from being victimized yet again? 

Why is it so hard to protect yourself? It should not be this hard. 

I want to cancel the membership they have me signed up for ( XXXX ) and if they can not secure a fraud alert on the file and securely freeze the info within, then they should not be keeping a file with my name on it. And that goes for any other credit reporting agency!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION (GA)

I was told to pay my property taxes in full and then would be re-imbursed with the portion that would be sent from the mortgage company to the tax office. After doing so, my mortgage has been giving me run around saying that they will not send that money to me. They informed me of the same procedure last night and they honored that.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AE)

we rent an apartment in Virginia. I paid on time as agree. before we left, the manager came and did the inspections and said everything was fine and we signed the papers and move out. the company gave back my deposit to me. a month later i received a bill of almost XXXX said that the had to remove the carpet. the receipts was dated a year before i moved to the apartment. i contacted the company and told them that that receipts did not belong to us and was dated a year before we move in. we sent all the proves to the companies. the company said they did not care. I'm an XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent all the evidences to XXXX that the information was not collect on my credit report and should me remove. XXXX remove my wife one, but refused to remove my. XXXX told me that it was the company 's responsibilities to remove inaccurate information and not XXXX. The collection out refused to remove the information also even after receiving all the evidence that the account was inaccurate. I signed the contract with my wife. it was reported that the account was individual. they used my signature and said that i signed that i owed money. i never signed nothing and i did not owed anything when i left.
Consumer complaint received 2024-10-16
Product: Credit 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. (DC)

I was charged by a company for a lot of money on several transactions. The company was XXXX XXXX XXXX Ranging from XXXX XXXX XXXX 2024 there are several transactions made for {$500.00} each totaling {$13000.00}. I reached out to Chase bank to resolve this issue. Ive made 3 fraud claims and even sent them info from XXXX. Reason being I sent info from XXXX is my computer was lost and unlocked so I believe it was used to make these transactions. I had to contact XXXX because chase told me I had to give more information and they weren't going to get that information, I had to. Im at a loss and I just don't know what to do from here. If you could help in any way that would be great.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (CA)

Exeter Finance, XXXX call me everyday, sometimes several times. They leave voice messages for someone trying to collect a debt. I have called them and told them this phone number has been mine over 14 years and they have wrong number. Please stop calling. They say they will remove, yet continue to call me everyday. 

I have never borrowed money from this company.
Consumer complaint received 2024-10-25
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. (FL)

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my report, and this time there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the errors remained. Id appreciate a careful review of the documents I sent so that I can finally stop worrying about issues like this.