davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon the most, including costumers and potential lenders or employers. 

I would appreciate if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX ' XXXX. If you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX, Maryland XXXX. It will ensure the database has accurate information about me.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance is reporting an inaccurate account on my credit reports that I have been disputing with the credit bureaus. 

Credit acceptance is reporting a monthly payment of {$0.00} but this account has consecutive late payments reporting for over a year. How are these late payments accurate if there is no monthly payment due? They are also reporting multiple inconsistencies between each bureau such as different balances owed, last payment dates, open dates and last active dates. 

It is their responsibility as a consumer reporting agency to report 100 % accurate information and they have failed to do so. They have violated the FCRA and my rights as a consumer to dispute any inaccurate information on my reports and to have valid accurate reporting accounts. 

This inaccurate account has caused me a lot of distress as I am not able to get approved and have low credit scores due to their negligence. I am demanding that this account is deleted from my reports now!
Consumer complaint received 2024-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Recently opened a XXXX XXXX  XXXX XXXX  XXXX  investment account XXXX Bank of America XXXX ). Placed a trade order XXXX XXXX XXXX XXXX within XXXX week of account opening. My account has been blocked as a result by the risk management department. I was notified only by a " account blocked, please call XXXX ''. I called and was routed to a Bank of America XXXX agent who ultimately changed my Bank of America account password. When I explained it was my XXXX  XXXX account that I couldn't access, she gave me XXXX to call. Upon reaching a XXXX  via the latter XXXX  she could only tell me my account is under review. While on hold ( I did a review search online and encountered XXXX reviews/comments/complaints within the last XXXX  months of similar occurrences. When the XXXX rep came back on, she said she didn't have more info. Upon me sharing with her my account block is likely a result of new account and recent trade activity being reviewed by XXXX risk management, she concurred. I asked for timeliness of a callback and she said she didn't know. I helped her draft an email inquiring at least when a callback would occur. She said XXXX management responded with " XXXX hours ''. The complaint is XXXX-XXXX  XXXX ) the lack of notification to the account holder that risk is detected ( even when the account holder calls, XXXX reps are still nontransparent about what the risk is and there is no opportunity for the account holder to confirm he/she initiated the activity, XXXX ) this review should have been performed at time of application ( XXXX day risk review or for another XXXX XXXX, up to XXXX weeks, or XXXX XXXX user, XXXX  months, for XXXX XXXX risk staff to respond ), the lack of more efficient operations while blocking account holder access from liquidating and removing assets seems to be punishing the account holders for XXXX XXXX 's lack of security check at the time of application. The perception is XXXX XXXX has no XXXX or delay in accepting cash in, but takes XXXX  to XXXX  to XXXX  to settle cash out. Regardless of outcome, the amount of time legitimate consumers spend tracing what this company has done with his/her deposited funds is rather unfavorable, concerning, and ironically unsettling.
Consumer complaint received 2024-04-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services (MA)

Reference # : XXXX Account Number : XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S. Code 1692g. 

Firstly, I request validation of the creditor 's name associated with this account, as mandated by 15 U.S. Code 1692g ( a ) ( 2 ). 

Additionally, I am exercising my right under 15 U.S. Code 1692g ( a ) ( 1 ) to request clarification on the amount of the alleged debt and how it was calculated. As of the provided date, XX/XX/2023, the amount stated as owed is {$10000.00}. However, the subsequent increase in the total amount to {$14000.00} includes fees of {$3700.00} without any explanation or breakdown of these charges. Therefore, I require a detailed breakdown of all charges and fees applied to this debt. 

Furthermore, I remind you of the provisions outlined in 15 U.S. Code 1692e, which prohibits false or misleading representations in debt collection practices. It is imperative that all communications and actions concerning this debt adhere strictly to the guidelines set forth in the FDCPA. 

I request that you provide the requested information within 30 days of the receipt of this letter. Failure to do so may result in further actions to protect my rights under the FDCPA.
Consumer complaint received 2024-04-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alternative Collections LLC (MA)

Reference # : XXXX Account Number : XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S. Code 1692g.

Firstly, I request validation of the creditor 's name associated with this account, as mandated by 15 U.S. Code 1692g ( a ) ( 2 ). Additionally, I am exercising my right under 15 U.S. Code 1692g ( a ) (
1 ) to request clarification on the amount of the alleged debt and how it was calculated. As of the provided date, XX/XX/2023, the amount stated as owed is {$10000.00}. However, the subsequent increase in the total amount to {$14000.00} includes fees of {$3700.00} without any explanation or breakdown of these charges. Therefore, I require a detailed breakdown of all charges and fees applied to this debt. 

Furthermore, I remind you of the provisions outlined in 15 U.S. Code 1692e, which prohibits false or misleading representations in debt collection practices. It is imperative that all communications and actions concerning this debt adhere strictly to the guidelines set forth in the FDCPA. 

I request that you provide the requested information within 30 days of the receipt of this letter. Failure to do so may result in further actions to protect my rights under the FDCPA.
Consumer complaint received 2023-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (LA)

Good Morning, I cancelled the extra insurance policies on my loan recently. At the time of signing my loan, I was told I had to have this insurance. I know that I am way out of range for a refund but I feel they are still being deceptive. 
Also, you dont get that money back. Your only option is to have it applied to your loan.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

XXXX billed us for days after our auto insurance policy expired claiming we automatically renewed with them. We did not renew with them because they substantially increased the quote for renewal by over 30 %. They later billed us for 10 days ( approximately {$90.00} ) after the policy expired claiming they cancelled for non payment but we owed them for the 10 days claiming they provided coverage which we did not need, seek, or agree to. We disputed and explained that we never chose coverage through them but they claimed they were still owed money and refused to stop billing us. They can referred the fraudulently claimed amount to a debt collector which reported late payments on the amount XXXX fraudulently billed us to begin with.
Consumer complaint received 2023-03-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I received a letter from the collection company called ARS Account Resolution. After reviewing my credit report, I noticed that it has indeed made it to the credit reporting agencies. I sent ARS Account Resolution a debt validation letter last month asking them to validate the debt owed from Fl XXXX XXXX XXXX XXXXXXXX XXXX, in which they did. I am aware that there was a debt from Fl XXXX XXXX XXXX XXXXXXXX XXXX but was unaware of the amount due. As the fees stated appears inaccurate. Additionally, I am allowed under the health insurance probability and accountability act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission for Fl XXXX XXXX XXXX XXXXXXXX XXXX to release my medical records to a third party. I am aware that HIPPA does allow for limited information about me to be reported but anything more is to only be revealed with the patient 's authorization. I am requesting that this medical collection be properly investigated and removed as it has been reported to all three credit reporting agencies.
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Syncrony Amazon store card says I owe XXXX, I only see charges for XXXX, I logged into their site to view my statement and their system is broken and can not download the statement, but I can download the privacy policy on the same page ( making this a bug in their system ). 

I called their support and they can not provide me access to my statement. 

I can not determine why the discrepancy without it. They refused to help. 

How can I be obligated to pay a bill that is fraudulent? They won't even provide the statement to determine what transactions are at issue. 

I need that statement by XXXX  today or I will not be able to get my payment in on time. 

Please help!
Consumer complaint received 2023-11-21
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. (NV)

This is my formal complaint to EXPERIAN. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2023-05-17
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. (MS)

I reviewed my credit report and I noticed that there are inaccurate accounts. This debt is not mine and I have tried to dispute with the creditors and credit bureaus but I got no action. I need this inaccurate information to be removed from my credit report.
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OR)

I havent been contacted regarding the debt, and I didnt know I had an account in collections until a couple months ago. I have been disputing the debt and trying to contact Hunter Warfield since then. The company has not verified the debt for me or been in contact with me regarding the debt. I tried to get ahold of the original creditor and they refused to communicate with me, and said to speak with the collections company. The collections company has incorrect dates as well, the debt is dated from XXXX of XXXX, but I was on the other side of the country at that time. The amount owed is incorrect as well, the original creditor had assured us there would be no financial charges according to our rights under state law. However, they will not speak with me since this conversation in XXXX of XXXX. The amount has also been increasing despite zero contact from them or proof of debt. Hunter Warfield did not provide any contact information or way to reach them until my denied dispute, and still will not confirm the debt for me. I do not think they are investigating proof of debt, and I am concerned by the lack of communication.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (VA)

I received a letter in the mail that I had opened a checking account in my name. I did try to contact the fraud department and the lady acted like she couldnt hear me. I did not open this account and need it closed immediately. I am pursuing identity theft protection and legal actions. And my credit report had to be accessed as well as XXXX XXXX.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My business experienced an entity change from XXXX XXXX to XXXX. I wanted to stop all charges to my XXXX XXXX card I used only for business expenses, so I could personally migrate those charges to my new XXXX   business credit card. I also wanted to stop all charges that had been going onto my account after repeated attempts to cancel them. Bank of America cancelled my card number and issued me a new card number, to be sent via mail. Before the card was even delivered, before I even knew the card number, and before I ever activated the card, XXXX gave out my card number to merchants who called and requested it without my permission to do so, or knowledge that they even could do so. Unknowingly, charges continued on my card to the current amount of over {$730.00} over the course of a month. Thats right, {$730.00} in transactions were charged to a credit card that is currently stuffed in the back of a filing cabinet in its still unopened envelope, never activated. I have never given out the card number to anyone as it is still in the unopened envelope so how would I. It has never been swipped, as its impossible to swipe a card in an unopened envelope. And in any event, it has never been activated either. All {$730.00} charges were unwanted and unauthorized. If a company contacted me to get a new card on file, and I deem the charge authorized, I would have given them a different credit card number. Furthermore, I was told by Bank of America there was no way to stop XXXX from fraudulently authorizing charges onto my credit card and jeapordizing my identity by handing out my card number to strangers. My goodness, I cant even call my bank to ask for my own credit card number, but theyll give it out to everyone else!
Consumer complaint received 2024-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (VA)

I am a XXXX XXXX XXXX  in which i have medical treatments through the Veterans Affairs Community Care Program . I was referred to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. By Approval of the VA Community Care under XXXX for XXXX services. ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.XXXX. Recommendation from XXXX XXXX XXXX XXXX, personally reviewed XXXX provider documentation due to physical exam finding ; believed further eval by a XXXX XXXX  was warranted. Ordered XXXX XXXX XXXX and a referral was given to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I feel that all my doctors visits and appointments were appropriate and approved by the Veterans Administration Affairs.
Consumer complaint received 2024-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

- XXXX XXXXXXXX XXXX XXXX account number XXXX : This account listed on my report is unfamiliar to me, as I have never had an account with this bank. 

- Capital One, account number XXXX : In an attempt to establish credit at a young age, I opened this account, but I soon realized I wasn't ready for the responsibility and attempted to close the account. 

XXXX XXXX XXXX XXXX XXXX account number XXXX : I deposited {$300.00} into this account, but the funds were withdrawn without any explanation from the bank. I contacted the bank for clarification but did not receive any information. 

- XXXX XXXX, account number XXXX : I am currently in the process of paying off my car loan with XXXX XXXX. 

- XXXX XXXX, account number XXXX : This account was opened fraudulently as my identity was stolen. I did not authorize the opening of this account. 

- XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX - XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX The remaining accounts listed on my report are also unfamiliar to me.
Consumer complaint received 2024-04-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MN)

The Service Members Civil Relief Act requires lenders to reduce interest on all debts acquired to 6 % max. My lending company is not calculating my payment correctly and deferred my interest pay instead of forgiving it, which is against the law. I have already called them and they refused to adjust my account. 
https : //www.justice.gov/opa/pr/justice-department-and-consumer-financial-protection-bureau-underscore-legal-obligations-auto
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have paid in Full both my Capitol One credit cards and they are showing as charge of to this day when they were Paid in Full XX/XX/2024 which is having HUGE NEGATIVE Impact on my credit score and have disputed it probably 4 times now on each account and nothing fixed
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (FL)

My flood insurance carrier sent two invoices to United Wholesale Mortgage, UWM did not pay those invoices and my policy lapsed. As a result I've been told I have to reapply for flood insurance and my premium has doubled.

My insurance payments and taxes are escrowed and my flood insurance carrier is listed as a payee on my escrow account. The account also clearly states that the the policy was set to expire on XX/XX/2023. They received two separate invoices from my insurance carrier, the first on XX/XX/2023, and another one on XX/XX/2023. They also received a notice of cancellation on XX/XX/XXXX but they failed to send the payment within the required timeframe. Instead, they chose to send me a letter advising me that they would force place insurance on my account.
Consumer complaint received 2024-04-27
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 (CT)

In accordance with fair reporting act, this creditor has violated my rights under 15usc1681 section 602 states : I have the right to privacy ; 15usc1681 section 604a/section 2, it also states : a consumer reporting agency can not furnish an account without my written instructions ; under 15usc1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-21
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. (AL)

Over the course of a year I have been unsuccessful even with valid documents getting the credit reporting agencies to block and remove fraudulent accounts as identity in USCS 15 1681C-2. XXXX does not abide by the FCRA Laws and are mis representing the laws as well as disregarding the Laws in removing fraudulent accounts, XXXX AND XXXX ARE USING THERE POLICY 'S AND PROCEDURE INSTEAD OF What's In THE LAWS STATES, I FILED SEVERAL COMPLAINS, WITH XXXX, XXXX NAMELY TO Block THESE FRAUD ACCOUNTS BUT WAS TOLD THAT MY POLICE REPORT AND IDENTITY THEFT AFFIDAVIT IS NOT VAILD AND I WAS REJECTED AID AND ASSISTANT BY BOTH REPORT AGENCIES. I ask that XXXX AND XXXX HAVE Stiff FINES AND PENALTIES Imposed AS IDENTITY BY THE FCRA LAWS I HAVE ATTACHED ALL EXHIBITS TO THIS COMPLAIN TO REFLECT THE SAME IT A XXXX XXXX THAT I HAVE TO GO THROUGH THIS WHEN ITS CLEARLY STATED BY LAWS PLEASE THAT I ASK THAT XXXX AND XXXX BE FINED INDEFINITELY PLEASE. Also tl not the only customer that's been done this way I'm not going for it at all.