davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ALLY FINANCIAL INC. (FL)

XXXX repeatedly listed a XXXX XXXX  car loan as part of bankruptcy claim. XXXX was not included in the claim. 
I filed dispute 4 times and their response once again listed XXXX This was a car loan which I never listed and has since been paid in full as agreed. 
XXXX notes this but their listing it has caused me to lose my credit account with Ally. 
Ally has over the past has increased my limit three times! They now claim to have changed the guidelines for acceptable recipients of credit. I had already had the bankruptcy filed when I applied for Ally credit card. 

XXXX  entering the false information with a 2024 date caused me to lose this Account XXXX does shabby investigation and does not read the dispute properly.
Consumer complaint received 2024-04-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I noticed a couple collections accounts that I am unaware of, because of this I have been keeping close record of my disputes and responses given. The credit bureaus and the original creditor has failed to do their job properly twice. Below I will attach my notes as either one of them has not provided me with the proper documentation to prove this debt that they say I owe.

Equifax : I asked that the Credit Bureaus and or the original creditor provide proof of debt for a XXXX XXXX bill that has shown on my credit report twice. One being paid in full, the other unpaid, which they failed to do so per FCRA requirement. Because of this I have disputed a second time adding these notes ( on XX/XX/year> I disputed this collection account and asked that you provide proof of validation debt which is required by the FCRA, which you failed to do so, and updated my profile with no proof of validation. Please send proof of debt via mail. ) If no response, I will then report both the credit bureaus and original creditor to the CFPB for further investigation. 

XXXX : Today I have disputed XXXX once more along with XXXX with the same exact notes stated in Equifax ( on XX/XX/year> I disputed this collection account and asked that you provide proof of validation debt which is required by the FCRA, which you failed to do so, and updated my profile with no proof of validation. Please send proof of debt via mail. ) If no response, I will then report both the credit bureaus and original creditor to the CFPB for further investigation. 

I have also started a dispute on Student loan debt for 3 accounts. I have asked for an investigation be done due to the Class action lawsuit against XXXX XXXX XXXX XXXX These are the notes provided to the credit bureaus ( I was apart of the XXXX  v. XXXX settlement against XXXX XXXX XXXX XXXX, which was approved to remove all student loans from my credit report. The balance should be 0 and removed per settlement approval ) XXXX : today I disputed XXXX and XXXX a second time, along with one student loan, with the notes provided above. 

If no response, I will then report both the credit bureaus and original creditor to the CFPB for further investigation. 

I will also be sending out a letter directly to an original creditor ( XXXX XXXX XXXX XXXX ) asking for proof of debt ( Debt Validation Letter ) seeing how they failed to reply the first time. Which I have done last month with no response given, past 30 days.. 

As always I will fairly allow each company 30 days from today 's date to send proof of debt before moving forward. Legal action will be taken next month if they fail to take my profile seriously.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (CA)

Capital one stated that I had opened a credit card on XX/XX/XXXX. I have no knowledge of any credit cards opened by Capitol one in my name. I have not been able to be approved for a credit card since XXXX. Someone fraudulently opened an account or someone with a similar name was mistaken for myself. I had no knowledge of this account until I tried to apply for a loan and checked my XXXX  XXXX. Then it was transferred to XXXX XXXX XXXX who never tried to get a hold of me or call me nor did capital one. When I called Capitol one they said they had no knowledge and couldnt access my account. They didnt even tell me I had an open account. I dont even know the card number.
Consumer complaint received 2024-01-22
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  Account Number XXXX
Consumer complaint received 2023-12-29
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. (VA)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc (NV)

I sent Ava Finance on XX/XX/XXXX via certified mail requesting copies of the alleged late payments. I have never been late in any payments. Also Credit reporting must be 100 % accurate or must be deleted. I was provided 2 separate account numbers per the Credit bureaus. 
XXXX account # XXXXXXXX XXXX  account # XXXX. This is supposedly the exact same account. To no avail did I receive anything. 

To ensure the credit report is 100 % accurate as we know. Every step must be taken to assure the information reporting, is accurate and correct. Therefore the following late payments need to be re-investigated. 
I respectively asked to be provided proof of this alleged late payments, and a payment history. I have been maintaining records of my communication with the company for the purpose of filing a complaint with the FTC if they continue with the noncompliance. I further remind you that, in XXXX vs. XXXX XXXX XXXX, No. XXXX ( C.D. XXXX. XX/XX/XXXX ), you may be liable for willful noncompliance if the validation of debt request isnt completed.

Please have the creditor provide a validation of debt documents to the XXXX  as well as certified mail to me. It is extremely important that these documents are submitted to XXXX to ensure fairness. And they are not continuously brushing me off. Thank you for your assistance. 
If the creditor can not provide payment, history and documents, please have this account removed from my credit file
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credence Resource Management, LLC (IL)

In XX/XX/year> took XXXX XXXX  rides billed through insurance in correctly, made payments XXXX with first bill, XX/XX/XXXX XXXX  XXXX with XXXX bill no new bills only texts, all of a sudden my bill was corrected and my payments received, I am now turned into collections no new billing original biller says they cant find me in system and I have not yet been able to reach collection agency Credence XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX my name XXXX XXXX XXXX account number Credence, name on their bill XXXX, first XXXX XXXX XXXX XXXX for Credence XXXX. 
My home address XXXXXXXX XXXX XXXX XXXX  filed a grievance appeal XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Experian is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I checked my account on the federal student aid website and found that I had a {$0.00} loan balance on XX/XX/2024. I then went on my loan servicer website, XXXX, and found that a payment was made on XX/XX/2024 for {$49000.00}. I was not informed of any transfer of my loans. On XX/XX/2024, XXXX weeks later, I got 2 letters in the mail from Mohela stating that they have taken over my student loans and that I now have 2 loans with them as they consolidated my federal student loans. I was given no warning that this was occurring. Therefore, my loans were transferred with no information of this being provided to me. I continue to have no emails from Mohela in regards to this situation. All loans have been removed from my credit report.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CA)

A debt collector directly reported to XXXX without sending any notices to us. 
I came to know about this devious activity only on XX/XX/year> after my credit monitoring and security provider sent me an alert message. ( attached )
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America makes it very difficult to manage autopay and scheduled payment. Recently, they said I missed a payment. I never miss a payment unless the payment due date was not provided to me. Bank of America also did not send me statements or make the information of autopay available to me.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document that are unknown to me and I am not agree with this. Based on FCRA, Section 605b, It is the responsibility of the Credit Bureaus to remove those informations which do not belongs to the owner. The following items are such an error in my file that needs to be remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Dept Of XXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lightning Mortgage Holding Company Inc (TX)

XX/XX/year> I was applying for a refinance of my mortgage. I completed the application on the phone with XXXX mortgage XXXX I agreed to have my credit reviewed. Loan officer stated I had excellent credit ( XXXX score ). Within a couple hours I was solicited by another mortgage company via text, they seemed to have all my credit information. I did not authorize the second company to have my phone number, ssn or credit information, it was totally unsolicited. Their website site claims that the information came from XXXX. I feel at least its a bad business practice for XXXX to share all my information with the second company, how do I know what they are going to do with it or are they going to keep it secure. At worst I think its a violation of the Fair Credit Act.
Consumer complaint received 2024-07-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (CA)

Purchased a used vehicle from XXXX XXXX XXXX. During the purchasing process they coerced me into purchasing multiple warranties stating that they were mandatory. 3 months later I decided to sell the vehicle back to the same dealership. During the negotiation process I specifically requested prorated refunds for ALL of my warranties and they agreed to that. After I completed the paperwork and made the final payments, they told me that they were not going to pay me 2 of the 3 warranties ( ~ {$2000.00} ). They stated that the warranties were mandatory, one time payments and non transferable. After combing through the fine print I can confirm that they were not mandatory and they are transferable. I have tried to resolve the issue multiple times. Its been a month and I have yet to received any of the XXXX warranties. Since I walked out the door a month ago, I havent been able to get in contact with anybody from the dealership.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've noticed a various amount of hard inquires that I do not recognize or have authorized that needs to be removed from my credit report. The inquires listed as follows : 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 I DO NOT HAVE ACCOUNTS WITH ANY OF THESE COMPANIES EXCEPT XXXX  XXXX AND XXXX XXXX. FTC DIRECTED ME HERE TO REPORT. THIS GOES AGAINST ALL CONSUMER RIGHTS ( FCRA ) AND MUST BE REMOVED.
Consumer complaint received 2023-12-29
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. (NJ)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX 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 a account without my written instructions. 
I don't owe this company.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (CA)

BMO sent letters to my husband and myself from their kyc know your customer department to verify information on the accounts. I called and verified my husband did not we did not understand we each needed to indepent of the other needed to confirm the same account info. BMO closed our accounts plus my father in laws who my husband is a signed on. No info on why has yet to be released the branch informed us this is happening to many other customers and they have no way to help us. We actually were bank of the west customers who got sucked in by acquisition.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

In regards to another complaint : XXXX After removing the trivial and erroneous interest charge, and closing my account, synchrony generated another bill charging me additional {$2.00} of interest on the interest charge that they eliminated last month on a now closed account. Its hard to fathom how I can actually stop the accrual of interest if theyre able to generate and charge more interest on interest they are not actually owed
Consumer complaint received 2024-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

1-XXXX XXXXXXXX XXXX XXXX am unauthorized purchase made online at XXXX XXXX XXXX for {$1000.00} using my Capital One Card. 

2- Capital One messages my phone re such charge. I call, dispute charge, and lock card. While on phone, another charge of {$870.00} came in, disputed such. 

3- XXXX, picked up merchandise, when store opened, and then attempted to return for XXXX XXXXXXXX XXXX XXXX put {$1000.00} back into my card. 

4XXXX XXXX XXXX sends me new card, and credits my act for {$870.00} on or about XX/XX/year>. 


5-On XX/XX/year>, a complaint was filed with the XXXXXXXX XXXX XXXX XXXXXXXX where at least the second purchase was made. 

6- On XX/XX/year>, a {$870.00} was charged back to my card. On XXXX, XXXX XXXX, I called Capital one requesting explanation. Several Calls later, getting transferred from XXXX dept to another, I was advised " the merchant provided documentation that charge is valid '' and the remaining explanation, after several requests to repeat, could not be understood. I requested to be provided with merchant 's documentation, and Capital one refused. 

XXXX On XX/XX/year>, I called XXXX XXXX XXXX XXXX spoke with manager, requesting details, he stated, he was aware of case, and fraudster returned merchandise and it was credited to his XXXX XXXX account, and the police are investigating. Manager, was vague, would not answer specific questions, and deferred to the police dept. I was not able, eg forgot to ask, what kind of documentation was provided to Capital one to reverse the credit, when he stated, that the fraudster returned merchandise and money went into his personal XXXX XXXX account. AND NOT THE CARD WITH WHICH PURCHASE WAS MADE, AS IN THE CASE OF THE FIRST, {$1000.00} PURCHASE. 

8- IT APPEARS CAPITAL, CONTRARY TO FEDERAL LAW, CHARGED MY ACCOUNT FOR UN AUTHORIZED PURCHASES, REFUSES TO PROVIDE DOCUMENTATION FROM MERCHANT, IN ESENSE IS STEALING FROM ME, AND IS COMPLICIT IN THE CRIME. 

9. I HAVE ENDURED MUCH STRESS AND SPENT AN INORDINATE AMOUNT OF TIME, AND NOT ABLE TO DAY TRADE STOCKS DUE TO ABOVE, HAVING BECOME DIZZY WITH CAPITAL ONES, STONEWALLING AND INCOMPETENCE, FOR WHICH I WILL SEE COMPENSATION IN COURT. EG TREBLE DAMAGES AS WELL AS PUNITIVE. NOT A THREAT, BUT A LEGAL REALITY. 
10- I WILL BE CLOSING THE ACCOUNT WITHIN A WEEK.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.