davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I have been a victim of identity theft, mainly by an unknown person in the XXXX area. This has been going on for FIVE years now. She applied for an apartment at XXXX XXXX XXXX XXXXXX/XX/2023. Somehow her application fees hit my credit report even though my credit is frozen so there is no way this application was able to be processed in my name and why the apartment failed collect her app fees up front. Furthermore, why did they pin her application fees to my social security number given by her when she couldnt unfreeze my credit for then to properly process. Negligent. Red flag.
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Account Resolution Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 



This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Account Resolution Solutions, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Account Resolution Solutions, continues its collection efforts, I will file for litigation for actual damages caused and Account Resolution Solutions, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My brother passed away XX/XX/2021. He was born, lived, and died in Colorado. As the Administrator for his Estate, I opened probate in Colorado. His IRA with Bank of America was closed as part of the settling of the Estate. Bank of America withheld money from the account for tax purposes, but instead of sending the funds to Colorado, they sent the withholding to California. I had to take money from estate funds to cover the amount owed to Colorado, as they wouldn't wait to be paid. Bank of America tells me it's my problem, and I have to retrieve the funds from California. California says Bank of America needs to correct their mistake. The amount is {$1300.00}. It's not a lot of money, but I can't close probate until the money is returned.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I checked my credit report and noticed XXXX and Experian has this company XXXX account number XXXX which is a collection account reporting as a open account on my credit report. It also displays a past due balance According to the F.C.R.A law this is not in compliance with F.C.R.A and I can have this account removed. Ive tried disputing this several times using the dispute services of the credit bureaus to no avail. The credit bureaus do not truly investigate they simply re-report what information they have. After continuously violating the F.C.R.A laws the compensation is removal of inaccurate information but they simply updated and attempted to correct whatever they could which is again unlawful acts and or a direct disregard to the rules of the F.C.R.A.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/23 I was offered 30 % off my first order to apply for a card at XXXX XXXX XXXX XXXXXXXX. I made the application and nothing happened. No denial, no approval and no 30 % came off the total. I called the company and told them to cancel the order and to cancel my credit card application. Today I got a text saying I was behind on my payment. I called the number and they said they couldn't help me that they were comenity bank and I needed to call the store. I called the store and they said I needed to call the bank. This went on for a few hours and now I'm here. I never got the merchandise, I never got the card or the statement and I never got the 30 % off the order they say I received. No one there can help me and I have no info to give you because as far as I know I have no account with them.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

Enhanced Recovery Company has previously tried to reach out to me with threatening tactics multiple times during the period of XX/XX/XXXX - XX/XX/XXXX regarding this so called debt that is not mind. I have also told the creditor, XXXX, that I was a victim of fraud and identity theft. I do not owe, nor do I know anything about this particular charge, and I've made this clear to this company, who has now tried to call me again earlier today, XX/XX/2019. I do not owe this bill, and I am being negatively affected by this companies repeated threats and contact for a bill that is not mine.
Consumer complaint received 2024-03-13
Product: Credit reporting 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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Contact : ( XXXX ) XXXX SSN : XXXX File Number : XXXX Account Number : XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Deletion of Paid Collection Account To Whom It May Concern, I hope this letter finds you well. I am writing to dispute the accuracy of information reported on my credit file regarding a collection account attributed to me. According to my records and attached documentation, this debt has been fully settled and agreed upon for deletion with the creditor, XXXX XXXX XXXX XXXX. 

Please find attached a Paid Loan Letter from XXXX XXXX XXXX XXXX, confirming the settlement and deletion agreement of the said collection account. This letter serves as conclusive evidence that the information currently being reported by your agency is incorrect and not reflective of the current status of the account. 

Account Details for Reference : - Original Creditor : Snap Finance - Collection Agency : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$0.00} In light of this, I respectfully request that you review the attached documentation and proceed with the immediate removal of this account from my credit report. The Fair Credit Reporting Act mandates that accurate and up-to-date information be reported. Given that this debt has been paid and an agreement for deletion was reached, continuing to report this account negatively impacts my credit score unjustly.

I appreciate your attention to this matter and look forward to seeing the necessary corrections made promptly. Should you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received a letter from the IRS stating that I owed over {$3000.00} dollars to USAA. I immediately called USAA. I was transferred repeatedly in regards to this issue and did not get any closer to resolving it. I was told I had a savings account that was overdrawn by over {$3000.00} dollars in XXXX I never had a savings account with USAA and I never had any sort of money in a savings account. The IRS received a 1099c ( I had never even heard of such a document until this morning ) from USAA and now the IRS is saying I owe that to them as taxable income. I have never in my life received a 1099c from any entity. The IRS is now coming after me saying that it is taxable income when my SSDI/VA benefits are not taxable. I have not filed taxes since my income is non- taxable. I had fraud on the account and took all necessary steps with USAA to close all accounts. I have not had any dealings with USAA until today when I found out the reason for the IRSs letter. 

I had no idea what was going on until I spent almost 2 hours on the phone with the IRS and then immediately called USAA in which I was on the phone for over 2 hours.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX was opened on XX/XX/2006. Shows a balance of {$10000.00}. It is over the 10 year limit on being on a credit report. I would like to request to have this item removed from all my credit reports from all credit reporting agencies. 

Thank You
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (TX)

The account is a charge off where they were already paid and was supposed to close the account i have sent out letters that have been ignored an it is showing as an open balance which is putting a hardship on my life.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Pursuant 15 USC 1681a 2 ( A ) ( i ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS TRANSACTION AND EXPERIENCE ( late payment/utilization ) ON MY CONSUMER REPORT!
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX is reporting one credit card under two different accounts. Both reported accounts, reflect the exact same - credit limit, highest balance, payment history, etc. 

This violates FCRA. 

I have only ever had one credit card with them, so for them to reflect duplicate balances, highest balance, and the exact same delinquent payment history is ridiculous. 

Experian refuses to acknowledge the obvious and are also in clear violation of FCRA.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

According to a XXXX XXXX, 2023 blog post from the Consumer Financial Protection Bureau, a settlement with Wells Fargo was reached after the bureau found that more than XXXX XXXX Wells Fargo accounts were subject to the bank 's " illegal practices, including misapplied payments, wrongful foreclosures, and incorrect fees and interest charges. '' Wellsfargo closed my account for {$960.00} without my knowledge.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (WA)

The background check company Checkr is reporting ( background checks done in XXXX and XXXX of 2022 ) something that I was accused of doing, but was not charged with and had the claim dismissed, as something I was charged with. This accusation is showing up in red and I have been denied employment due to this. 
Essentially, I am being treated as if I was convicted of a crime I did not commit. 

I have emailed Checkr and gotten no response. I have also tried to call but have been unable to get past the automated system in order to speak to someone.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BUSEY BANK (IL)

Busey bank claims they closed my account but I had requested to close account after switching financial institutions. I come to find out 2 years later that they sent my account to collections for an unpaid balance and have been charging me fees. I have never been made aware of this prior to last Thursday. I have reached to fork with and see if any fees could be waived but they declined.
Consumer complaint received 2024-03-13
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (FL)

My car was seized on XX/XX/2023 from the private parking lot of my employer while I was working with no prior notice. I had been unable to make the full payments to Ally Financial for a couple months, but had been making reduced payments every month so, having not heard from them, had no idea my account was in jeopardy of default. It wasnt until After calling the police to report me car stolen, that I found out it had been repossessed. 

I called Ally on XX/XX/2023 and they provided me a quote of {$2400.00} and wiring instructions to bring my account current and release my vehicle I wired the money to them directly from my bank on XX/XX/2023. 

On XX/XX/2023, the Ally agent confirmed receipt of the {$2400.00} but would not process release of my vehicle. They then proceed to tell me they will not release my vehicle unless I pay them another $ XXXX. When I asked to speak to a Manager, the Ally representative told me that perhaps if I were a married woman then my vehicle may not have been repossessed. Horrified, I hung up the phone a dialed back in, hoping to get a different agent. I have been on the phone with Ally for hours over the past several days. Each time, there is no path to escalate or resolve. 

To date, XX/XX/2023, I have not been provided with the location of my vehicle or any information on how to retrieve my personal property from it. 

I had to XXXX home from work on XX/XX/2023. I have had to rent a car from XX/XX/2023 to date XX/XX/2023. I had to call out of work on XX/XX/2023 because my work laptop is in my vehicle and will probably miss work again tomorrow if I cant at least find out how to obtain my personal property. I paid a wire transfer fee on top of the {$2400.00} quote in order to have my vehicle released as promised. 

Ally misrepresented themselves when providing the initial quote. They provided XXXX communication prior to illegally seizing my vehicle. They have failed to provide the location of my vehicle so that I can collect my personal property. This predatory and misleading practice has caused me significant financial and emotional harm.
Consumer complaint received 2023-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

I applied to renew my income driven repayment plan. It was denied. I called advantage on XX/XX/22 to get information to be placed on a more affordable repayment plan. I was told my payment plan would be XXXX $ /month. I agreed to this. I then received a message the next day denying my plan. I called aidvantage on XXXX was supposed to be connected to a representative but was instead sent to a survey to rate my satisfaction with the representative whom I never spoke to and then the call was automatically disconnected by the servicer at the end of the survey after never connecting me to a representative. I called back and was finally connected with a representative. They asked to put me on a hold. My call was then taken to the survey and again disconnected before any resolution was resolved.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AR)

My car loan from Hyundai finance was reported under XXXX XXXX XXXX and was reported as a charge off instead of being paid off I have contacted both parties ( Hyundai finance and XXXX credit bureau ) of the error on the report. Also Hyundai said they would send me a letter stating the car was paid off. This mistake on my credit report has caused me to be denied a car loan The finance companies do not want to finance some one who does not pay off their car loan Have complaint # XXXX XXXX from telephone call in
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CT)

I received mail on XX/XX/XXXX from a company called Phoenix Financial Services saying that I owe a debt from another company called XXXX XXXX XXXX XXXX in the amount of {$1300.00} at date of service in XX/XX/XXXX and that I paid off {$330.00} between then and now which I havent since I dont owe this company any money and that now I currently owe them {$970.00} but if I pay off my debt within 60 days I can pay a reduced amount of {$680.00}, I was given the option to dispute my claim with them but I dont want to send any personal information to a company I have no idea and believing is scamming me.