davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

When I purchased the vehicle I was told and the paperwork I signed said the car was XXXX plus tax, I was going to be paying around XXXX in interest paying XXXX in total after interest and I was told also registration was taken care of I was supposed to get that in mail. I put XXXX down which should be paid to principal. Last time I talked to financing company they said loan was for XXXX together adter the XXXX down, which I would have never agreed to when buying if I was told that. So it's already XXXX my credit they can keep the car and my XXXX $ but this is very shady business practice at least I'm going to do is file a complaint against dealership and financing company. The financing company has been harassing my brother who has a new born baby in the house for weeks banging on his door, I don't even live in the same county as him but I was burglarized where I stay and needed some important mail to stay safe so I had it sent there my brother is XXXX and they still staking out his house like vulchars. Also if my loan was XXXX more after the XXXX down that puts it at a 50 % APR which is unrealistic and unheard of I would just simply not buy the car if these things were brought to my attention, the registration was never even paid either just a title transfer and I called in after a month ad mentioned my tags were bad and was told that they gave them to me which wasn't the case I now have tax Registration penalties I'm facing worth thousands
Consumer complaint received 2023-07-16
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. (NY)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

XXXX XXXX sent a debt to collections that I do not owe. National Credit Services attempted to collect and posted it to my credit report and is now being unresponsive when trying to get the posting reversed. I have filed a dispute with all XXXX credit bureaus.
Consumer complaint received 2023-11-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NJ)

on XX/XX/2023 a unknown collection was placed on my credit report by the National Credit System .Account with a balance of $ XXXX.I have no idea where this collection came from. Ive contacted the collection company to proove to me if they were present when that account was being open and to show me the wet proof of my signature opening this account and they still failed to provide me those proofs.This is a misleading false report on my credit.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, VA via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/XXXX  in the amount of {$3100.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Virginia.
Consumer complaint received 2023-07-06
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a  Checking and Savings Acc ount with Bank of America.     A few days after the accounts where opened I deposited money in both accounts. A day later I tried to access the accounts by logging in online and access was denied. I was told when I called the risk department the bank decided not to do business with me and the accounts were closed.     I was also told during that call that I would need to go to the local branch to get my money back. I went to the local branch and I was told they couldnt give my money back because they dont have access to closed accounts and the risk department should have told me they would mail the funds back to me.   In the meantime, I keep getting new account information from Bank of America regarding the opening of the accounts ( see attached document ). But no mention of the money they are attempting to steal.     I have attached documents showing the money is there and I would like my funds mailed back to me ASAP ...
Consumer complaint received 2017-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (LA)

XXXX A negative debt collection was posted to my XXXX credit report from AssetCare. I immediantly contacted the collection agency and they claimed the debt was purchased on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX in XXXX Texas for services on XXXX/XXXX/XXXX. The were attempting to charge me the amount of {$3100.00}. 

XXXX/XXXX/XXXX - I contacted XXXX XXXX XXXX to verify this information and try to discover where they ( AssetCare ) were coming from because the original amount owed of {$810.00} had already been purchased by XXXX XXXX XXXX with whom I was already working with to resolve the matter. After the hospital billing department representative, XXXX informed me that they did NOT sell nor have any affiliation with AssetCare nor its parent company XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they also confirmed that no such company had authorization to claim this debt. I then again contacted AssetCare and informed them of their fraudulent activity and that I would be reporting them to the XXXX XXXX XXXX and XXXX XXXX XXXX and they simply hung up on me.
Consumer complaint received 2023-11-24
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: LEXISNEXIS (NJ)

Pursuant to the FAIR CREDIT REPORTING ACT [ 15 USC 1681S-2 ] it is PROHIBITED for a financial institution to furnish Negative Information about a consumer to a consumer reporting agency without providing such notice in WRITING to a consumer of such furnishing of Negative Information 30 days prior or after furnishing Negative Information to a consumer reporting agency. I swear under the penalty of perjury that I have never received the required notice in WRITING from the financial institutions that are furnishing Negative Information about me to consumer reporting agencies. The consumer reporting agencies ( XXXX AND XXXX ) are furnishing this Negative Information on my credit report and have responded to me and stated the information has been Verified when I sent in a dispute letter notifying them of the violation of my consumer rights. 
A consumer reporting agency could not have used reasonable procedures to ensure maximum possible accuracy of the information they are furnishing about me and VERIFY information that has been illegally furnished to them about me. According to the FCRA this action falls under [ 15 USC 1681n ] or [ 15 USC 1681o ] and it is damaging to me. My request as a consumer exercising my consumer rights has been to DELETE all the negative information from my consumer report and to UPDATE all Late Payments to PAANL : PAID AS AGREED NEVER LATE.
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (KS)

Student loans were paid ahead for several months  ( See below ). Great Lakes refuses to apply the loan payments to the principal loan amounts. We have called and written to no avail. Last year these loans were paid {$6000.00} ahead, but they continue to only apply these to the interest. We have quit paying on the loans since last year since it does no good. Will attach loan statements showing amounts paid ahead and that " Total Amount Due is {$0.00} ''. The only thing that appears feasible is to just default on the loans. This is our last hope. We have been paying on these loans for 10 years. Original loan amounts were {$5000.00}  on  XXXX  and {$10000.00} on  XXXX  totaling  XXXX . Current combined loan balances is {$13000.00}. We are beyond angry and frustrated. This appears to be fraud at its best and stealing at its worst. As you can see from the below records, the payments totaled {$5400.00} for just the last quarter of last year and the first quarter of this year. PLEASE HELP US!     Loans :  XXXX   XXXX   XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$980.00} paid ahead  XX/XX/XXXX  {$500.00} paid ahead  XX/XX/XXXX  {$1000.00} paid ahead  XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$880.00} paid ahead   XXXX   {$380.00} paid ahead   XXXX   {$310.00} paid ahead   XXXX   {$250.00} paid ahead   XXXX   {$190.00} paid ahead
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I have 3 accounts present on my credit report that have violated these laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit collection services ( XXXX XXXX ) XXXX
Consumer complaint received 2023-11-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I spoke I a representative from Kohls Charge via phone on XX/XX/2022. During this call, I informed the representative that I was experiencing a financial hardship. I explained that I wanted to bring my account current, with lower monthly payments. The agent explained that I could benefit from a financial hardship payment plan, that would allow me to pay $ XXXX. I asked the agent if my account would be closed after enrolling in the program. The agent advised me that my account would NOT be closed. I then agreed to enroll in the program. After enrolling, I received a letter in the mail a few weeks later, saying that my account has been closed due to my enrollment in the hardship program. Since then, I have been asking Kohls to listen to that call, so that they can hear the agent telling me that my account would not be closed. Kohls will not listen to the call. The charge off of my account caused my credit score to drop significantly. I would not have enrolled in the program had I known my account would be closed. This is why I specifically asked if my account would be closed upon enrollment in the program. This is not fair credit reporting.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My computer was hacked by a company called  XXXX   XXXX   XXXX , by a man named  XXXX   XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } (   one tr ansfer for {$2000.00} and a second transfer for {$5000.00}  )  into my checking account and then stole it. I filed a complain with the  Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the  cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third  fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI  Internet Crime Complaint Center ( IC3  ), but have not heard anything back from them yet.
Consumer complaint received 2023-07-16
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. (MO)

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Request for Deletion of Closed Accounts from Credit Report Dear, XXXXXXXX XXXX I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On Sunday XX/XX/XXXX my cell phone along other belongings were stolen in XXXX, XXXX. I was not able to have access to a cell phone to report the situation to bank accounts and credit cards up until Thursday XXXX after my arrival back to XXXX XXXX. 
So, I reported debit cards and credit cards stolen to Chase Bank, but also requested to remove the two step verification linked to the phone number since I would not have access to it until I get a new phone and be able to revise transactions through the Bank 's website portal or at least to provide an alternate verification process. I had to call the bank, I made a mistake while trying to request a log in code access when accessing my debit card PIN number. Called back again, and the bank was closed already. So on top of the frustration of have been stolen everything I have to deal with sensibleness costumer service.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX Original creditor : XXXX XXXX XXXX Account : XXXX This letter is in response to your recent claim that the account ( s ) listed above have been verified and that the information they are reporting under my name is accurate. This is not my account.

I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation, including person names you have contacted, addresses and the method you used to verify it, or remove the negative information.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (SC)

Amerassist reported over {$1500.00} to my credit report for a debt I do not owe. I have spoken with MULTIPLE representatives to advise that the account they are speaking about is not mine and I have spoken to the company XXXX XXXX and have a letter proving this. Along with a signed General Release form. Yet, I still continue to get harsh aggressive letters and phone calls and now the debt is wrongfully on my credit report hindering me from purchases and many other things at this time. 

Will supply copy of the release form if this goes to court for defamation due to the impact on my credit and financial health.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Ocwen p rocessed a loan modification in  XXXX     2015 for a  property that I purposed with my ex-husband without my signature. I signed  a Quit Claim D eed however it was not filed with the lender or the municipality. The loan is currently in default and I can not buy a home because of th is. Is it m y understanding that you need a signature to process a mortgage. I want my name removed from the mortgage since I did not agree to  it. Ocwen is  now under investigate for this type of behavior.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Enclosed I have included a copy of my government issued ID and my Social Security Card. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2023-04-24
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. (GA)

XXXX continues to report wrong information to my credit report even after you seen them proof of the false information is not reported correctly. THEY DO NOT CONTACT XXXXXXXX XXXX DIRECTLY TO VERIFY THE INFORMATION THEY USE A DATA BASE SYSTEM THAT'S NOT UPDATED. They will not update your credit score as you pay off a credit card to bring down your debt to ratio. They are reporting that I did not pay off my two XXXX XXXX XXXX XXXX credit cards. They also showing other credit cards not paid off and they have been the information XXXX is reporting is not correct. 
XXXX is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.