davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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: CL Holdings LLC (NY)

I sent previous letters to the collection company asking to send me my original contract and validation of the debt, i sent a letter in XXXX and also XXXX. Jefferson Capital system has no right to report this account and inaccurate information. I demanded for this to removed from my credit report due to the FCRA consumer laws. This company agreed and failed to do so. I do not have a contract with JEFFERSON CAPITAL SYSTEMS!
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (IL)

I received an invitation to apply for a business American Express card. I applied online I use my XXXX number, before I use my XXXX number I read all of this disclosures and nothing in there say anything about pulling my personal credit for an American Express business card once I submitted the application, I received a alert from XXXX saying I have a hard inquiry from American Express. This was on XX/XX/2023. I immediately call XXXX and explain to them that I never gave my Social Security number out. I only use a XXXX number. They explain to me that I have to reach out to American Express to get a deletion letter. I called them and told them to withdraw my application and I need a deletion letter. They told me that they can not do that because I gave them my XXXX number that told them to run my personal credit, I told them no it does not because I never gave you my Social Security number. They also stated that in the print disclosure it's in there I went over the print with a representative. And I did not see nor read anything about using my personal Social Security number for this card. I canceled the application because I felt that they misled me by me using my XXXX number, and that was a trick to my personal credit. So now I have a hard inquiry that I feel is fraud I don't want any problems with American Express. All I want is them to delete it off of my credit report that's all and that's why I explained to them that I wanted a deletion letter but they said no so XXXX gave me this information and told me to contest it through you all, so please help me because this is wrong. I have a business credit card that I use my XXXX number and they never ran my personal credit so for them to tell me that is what happens when you feel out for a business. Credit Card is not true. please help me. Thank you.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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 (SC)

15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.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 reason.
Consumer complaint received 2023-11-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (CA)

Reached out to PHH Mortgage regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. PHH MORTGAGE SERVICES XXXX.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (IL)

Vance Huffman LLC I contacted, and asked them to take action to get this COLLECTION removed from their records and to erase any record of the collection with all credit reporting agencies if they could not provide Documentation that I had to pay them. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done since it has not been done. Ive received documentation from this company with a letter from account whose name is NOT Vance and Huffman. They sent me a letter with a company name XXXX XXXX XXXX XXXX balance XXXX XXXX with a signature that is NOT MINE. How are you allow to falsely report something to my credit when I have no legal contract with you. This document Alone with only a signature is not enough to defame my name. I what this account removed and not associated with me. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2023-11-28
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2023 I submitted a dispute against Wyndham XXXX XXXX for XXXX to my Barclays wyndham card. On XX/XX/2023 I received a letter saying the dispute was closed. Their reason : they never received documents from me. I never received any type of communication regarding them needing any further documents. Nor to date I still have no knowledge of what they were or are requesting. They have refused to reopen the case. They have refused to send me a letter letting me know what they need. I believe they have no intention on investigating my dispute with the company because they are both Wyndham.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX****Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$830.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On my and my husbands credit there appears a mortgage loan from a bank called XXXX XXXX  for {$510000.00}. I contested it on Experian and it has come back as an active/open account. I have then called Experian and contested it, and they tell me to call XXXX XXXX. I have called XXXXXXXX XXXX and they tell me to call Experian. All to no avail. 

I have now spoken to XXXX XXXX since XX/XX/XXXX so many times I have lost track. They agree whatever business of ours crossed their path ( likely a refinance loan that was sold to them and then re-sold by them to our current mortgage holder XXXXXXXX XXXX ) was concluded in XXXX, XXXX, and we dont have any loans with them, but when Experian pings them to re-certify the account when I deny it, XXXX XXXX team that communicates with Experian always re-certifies that the loan is active and open with them. 

Can you be of any help to resolve this issue? It is so frustrating how nobody is able to help and the majority of the customer service reps at XXXXXXXX XXXX are quite patronizing, but not helpful. Mind you I have no documentation from XXXX XXXX  because I have NEVER done ANY business with them.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Toyota motor credit did not respect the gap warranty when I got into an accident. They charge insurance more then what I owed at the time leave me with hardly any money. They never respect the service of there oil change I got oil changed they said I would get oil changes until XXXX miles and that didnt happen they cut service before time.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account. 

To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company. 

Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies. 

Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/2023 Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions. 

Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act. 

Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OR)

I received notification from EdFinancial ( a student loan servicing company based in TN ) in XX/XX/XXXX, that the balance of my consolidation student loan was forgiven because I had made payments on it for 25 years, from XXXX through XXXX. Between XXXX and XXXX, I had made excess payments of {$9500.00} on the student loan. I understand that I am to receive a refund of the overpayment of {$9500.00}, and I have inquired since XX/XX/XXXX several times, as to when the refund will be sent to me. No response has been received.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a formal complaint against the claim that was denied on my account. 
I received an email from Bank of America on XX/XX/2022 advising me about a fraudulent transaction. I immediately called the bank to report the fraudulent transaction. this was the time when I was made aware that there were fraudulent charges on my debit card. Several days later I received a letter from Bank of America informing me that my claim was denied because they think i gave permission to someone else to use my debit card. I called the bank of america to have my claim reevaluated and i was told to write a letter to the claim department which I did in a timely manner. I went to the Bank of America to get the letter faxed.I was told by the branch manager that he faxed and that I don't have to worry because my card offers me zero liability for fraud. severals weeks later i received another letter from bank of american stating that my reevaluation was denied again and there is nothing they can do. i explained to them that i need this case to be fixed because im recovering from a bad year due to the pandemic and need my money back.they said no and hang out. Also, they failed to send proof of purchase to see who did the purchase. 

Fraudulent transactions are the following : XXXX for {$3900.00} XXXX XXXX {$150.00}
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc. (OH)

Hello, I have never been late with this company. I have tried to make payments for the whole month of XXXX and XXXX and received errors when trying to make the payments. XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX : Dear Sir or Madam/To Whom It May Concern, On I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. Sunbit is 30 days late. Please remove this asap. Your website and app have prevented me from making a payment in XXXX and XXXX and XXXX. see the attachment I got this same error in XXXX and XXXX and XXXX
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Timely payments have always been a priority for me on this account, ensuring they are never overdue. I'm unclear why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, 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. (MD)

To Whom It May Concern : I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. TransUnionXXXX 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 recognize these inquiries and did not authorize them.
Consumer complaint received 2023-11-28
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 (IL)

I filed bankruptcy on XX/XX/XXXXXXXX  and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This Capital One account XXXX  was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXX XXXX  XXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both Capital One and XXXX XXXX  XXXX XXXX XXXX  disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either Capital One or XXXX XXXX  XXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Corp Solutions Inc. (CA)

I filed a dispute with XXXX regarding the derogatory credit reporting from this creditor. Credit Corp Solutions responded to XXXX advising that the file was accurate and correct and no action will be taken. I respond back to Credit Corp Solutions in which I submitted a request for Verification of Debt which they received on XX/XX/XXXXXXXX  ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, Credit Corp Solutions has failed to respond back to my request. 

I re-disputed the case with XXXX once again as identify theft in which Credit Solutions Corp again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor XXXX any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX Police Department on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I made a payment for a specific date ( my due date ) and upon review of the receipt, it was marked for the following day. I was on the phone for 3 hours and all the representatives told me there was nothing that could be done. I asked for them to review the recording that specifically states my due date is the date the payment was made and they said nobody could. I was then told that I would need to pursue legal action to get any sort of resolution because nobody would fix it. The only thing they offered was to cancel my payment because they didn't honor their terms and conditions. All of this in spite of the supervisor agreeing that the information I agreed to was wrong.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: D. SCOTT CARRUTHERS (CA)

Hi I received a call from " Law office of Scott Carruthers '' today. First a girl spoke with us and said we owed a few thousands on a bank account that had negative balance almost a decade ago. And that we need to pay this amount. 
When we asked her if her office was a debt collection agency, she said NO. She said they were a law office. Which seems like it was a false statement. 
When we disputed this amount since we do n't see it on our credit report, she started getting irritated and handed it over to her " supervisor ''. The supervisor seemed irritated right away. So we asked him to mail us a letter with all the details of this account, amount, etc. on their letter-head. He refused saying he did not want to spend 42 cents mailing a letter. And he in turn asked us for a fax number where he could fax us a letter. We do n't have a fax. So I persisted with request him to mail the letter. Called my work multiple times, after I told them not to call my place of business.