davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (SC)

ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. 
AUTO DEALERS HAVE ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS WHY ITS ON MY CREDIT REPORT. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB
Consumer complaint received 2024-03-31
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: LEXISNEXIS (FL)

On XX/XX/year> I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

An unauthorized credit transaction was done with my credit card as defined under 15 U.S Code 1602 ( I ) and there was a finance charge involved as defined under15 ( 1605 ). An alleged debt has been placed on my persons, which is a violation of 15 U.S.C 1692 ( e ), because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or 3rd parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt collectors have imminently invaded on consumers legally protected interest.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (VA)

I began at the beginning of XX/XX/XXXX trying to lower our interest rate for our credit cards after I found out about the Service Member Relief Act. I have reached out to our Discover Card several times and told them my husband was XXXX XXXX but was told several times that it did not pertain to my account. My husband was about to retire in XX/XX/XXXX so I tried still to ask in XX/XX/XXXX and then again in XX/XX/XXXX. I was still told that it was not for my credit card but what I read about the Service Member Relief Act is that since my husband was XXXX XXXX out interest rate should not be above 6 %. I tried to get it lowered through a company and they sent me to an attorney. I am very frustrated and just want to pay our credit card off but do not feel 24 % is a fair rate. They are stating that there will be legal action so I hope that you can assist me.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLOBAL PAYMENTS DIRECT INC. (GA)

In the month of XXXX XXXXseveral unknown charges appeared on my XXXX bank statement. I immediately contacted my bank and disputed the charges. The charges appeared to be from GA Lottery. My bank initiated a claim and investigated the matter. In return my bank reimbursed me for the charges. On XX/XX/21 I received a letter in attempt to collect a debt from a company called Global payments Check Services, LLC. On XX/XX/21 I mailed out a dispute letter to the collection company requesting that they validate this unknown debt. I notified them that this letter served as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC1692g ( Sec.809 ) that there claim for account # 's BUTV312 01, BUTV312 02, BUTV312 03, BUTV312 04, BUTV312 05, BUTV312 06, BUTV312 07, BUTV312. These accounts are being disputed and I requested validation for them all. I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. All letters were sent to XXXX XXXX XXXX XXXX, IL XXXX certified mail with signature required. All letters were returned to me by the carrier stating no one was available to receive them.
Consumer complaint received 2020-03-12
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: WELLS FARGO & COMPANY (NV)

Starting XX/XX/2020 Wells Fargo Has failed to inform me about the fraudulent Wire Activity that has happened on their end. I have received an extremely Suspicious check from my former employer. I do suspect Wells Fargo of withholding information and lying to me about what really happened with my case number. I have been constantly run around every time i ask for answers on my case. I have been told a police referral was sent, and that i was to receive a copy of the evidence that was sent to the " Other Party ''. It is now XX/XX/2020 and i have not received any clarification on what was done about the fraudulent activity resulting from my former employer XXXX XXXX, XXXX XXXX XXXX, And XXXX XXXX XXXX XXXX XXXX. I would like resolution and restitution for damages, and negligence on behalf of wells fargo.
Consumer complaint received 2023-01-16
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: Westlake Services, LLC (AR)

I made a previous complaint with CFPB however, Westlake has not addressed my specific complaint and has only sent a payment ledger instead of actually reading and addressing my specific complaints. Please take your time to investigate my actual complaint. Sending a response that does not address my concerns will merely result in a new CFPB complaint advising that Westlake is not reading and responding to my complaints. 

XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.
Consumer complaint received 2021-03-16
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Synced XXXX XXXX  card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX XXXX bank XXXX Chex systems XXXX XXXX XXXX bank XXXX And many more transactions and inquiries i habe no idea about My unemployment has been getting stilen from me since XXXX and i dont know where it is going I have not been recieving it. I tried to make a police report but they cant until unemployment Commission does so and i cant get anyone on the phone with me to make it happen.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. But despite of several calling they are holding the money, which is not back yet. 
I expect {$500.00} + Interest @ 20 % should be awarded to me with refund.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

I signed up for synchrony credit card when purchasing furniture. They mentioned that I need to set up minimum payment and pay off the amount in 18 months. Now they have charged me, XXXX in interest charges. I called them to waive it off and they did not do it. They are running big scam, stealing money from the customer.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX  ACC XXXX not mine XXXX  XXXX not mine XXXX XXXX  ACC XXXX not mine
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My student loans were transferred from XXXX to XXXX in XX/XX/year>, yet XXXX continues to report my accounts as " open '' to the credit reporting agencies. As a result, Experian is reporting my " Total Debt '' as almost XXXX  the amount it actually is. 

I contacted XXXX several weeks ago to complain and was told the accounts would be updated to show that they had been transferred to XXXX. That didn't happen. 

I then complained to CFPB. XXXX responded to the complaint to say that they were waiting for XXXX to remove a " suppression '' from my account. 

Meanwhile, I disputed the XXXX accounts with Experian. Not only did XXXX *not* update my accounts, they INCREASED THE BALANCES!!! Out of spite? Thanks, " XXXX XXXX, '' whoever you are.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (CO)

On XX/XX/2022, I initiated a funds transfer of {$1000.00} ( XXXX XXXX XXXX ) to my family in XXXX XXXX. I had used XXXX XXXX many times before with no problems. The money was schedule to arrive in XXXX by XX/XX/2022. The money still hadn't arrived by late the following week so I contacted the company. They said there was a problem with their local affiliate and that the transfer had been cancelled by them. I told them to immediately refund my money. That was over a week ago and I still have not received a refund, nor has my recipient received the transfer. 

One of the documents I attached from the company 's website shows the transfer was completed, but it was NOT.
Consumer complaint received 2020-03-12
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. (CA)

I applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (IL)

Company XXXX failed to properly investigate the accuracy and validity of a few items in my credit report and did not notify me of results. XXXX sent a letter saying that did not open investigation because they didn't believe it was properly authorized by me. Listed inside the dispute letter I put all my identifying information to identify myself.
Consumer complaint received 2023-01-16
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)

IN accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/21 I mailed Experian a dispute letter disputing an account being reported to them by XXXX XXXX account # XXXX. I notified Experian that the company is reporting inaccurate unverifiable information. Before submitting a letter to Experian I requested verification/ validation from XXXX XXXX myself. The documents the company sent me to verify the debt that I have no knowledge of stated information that was totally different than what they were reporting to Experian. The address, and amount owed was incorrect. In my dispute letter to Experian I advised them that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Experian has yet to respond to my dispute I have tried to contact them by phone and letter. Documentation attached to complaint.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

THIS IS A COMPLAINT AGAINST COMENTITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA MANAGER XXXX XXXX. I HAVE BEEN TRYING TO REBUILD MY CREDIT AND HAVE MADE GOOD PROGRESS WITH OTHER COMPANIES EXCEPT FOR THIS ONE. I HAVE MADE ARRANGEMENTS TO MAKE XXXX MONTHLY PAYMENTS ON A BALANCE OF XXXX. I HAVE MADE 2 PAYMENTS -XX/XX/20-XXXX,XX/XX/20-XXXX. I HAVE CONTACT ALL 3 CREDIT REPORTING AGENCIES THAT MY BALANCE IS INCORRECT AND I WAS ADVISE THAT THE COMPANY REFUSE TO RESPOND. I THEN CONTACTED THE BANK ON XX/XX/20 AND SPOKE TO THE MANAGER XXXX AND HE REFUSE TO STATE OR REPORT ANY PAYMENTS OR BALANCE UNLESS I PAY OR SETTLE THE ACCOUNT IN FULL. I ADVISE HIM THAT ALL THE OTHER COMPANIES REPORT MY PAYMENTS AND BALANCE. HE AGAIN REFUSE TO REPORT CORRECT INFORMATION WHICH I HAVE THE RIGHT TO DISPUTE THIS ACCOUNT. I ADVISE HIM TO CANCEL ANY FUTURE PAYMENTS I HAVE AND I BELIEVE HE AND THE COMPANY VIOLATED THE FDCPA AND CONSIDER THIS ACCOUNT PAID IN FULL.
Consumer complaint received 2020-03-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. 
( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called NMAC on XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the NMAC agent, telling me everything was setup. Note that I had granted NMAC to get money from my checking account and it had sufficient information from my side to do that.

( 4 ) But later I found there was a past-due posted on my account and I contacted NMAC to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. 
( 5 ) Before NMAC reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. 
( 6 ) In XXXX XXXX, I found my credit score has been ruined by NMACs mistake. I contacted NMAC on XXXX XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted NMAC again for the update of the result. The agent told me NMAC decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as NMAC did. The agent demanded me to stop and brutally shutdown the call when I asked why. 
( 7 ) Since NMAC refused to resolve the issue, I filed a complaint in XXXX  and received NMACs response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like NMAC to ruin a persons credit score and refused to correct their error. 

The NMAC misbehaviours ( 1 ) I got confirmations from NMACs agents multiple times ( XXXX XXXX XXXX and XX/XX/XXXX ) about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. 
( 2 ) NMAC got sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If NMAC had trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. 
( 3 ) NMAC reported the past-due item to my credit report without contacting me to solving the problem first.

( 4 ) NMAC refused to correct their mistake on my report ( 5 ) NMAC refused my call brutally to resolve the problem.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IN accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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 have filed many complaints against XXXX XXXX XXXX XXXX ( XXXX ) & Experian trying to be heard but both knows how to play a game, the CFPB, and the US government. XXXX & Experian didn't have permissible permission which I have been requesting to prove the unlawful access of my credit report in XX/XX/2017. All recent complaints were all labeled duplicate By XXXX within two minutes of each other reflecting XXXX doesn't even read the complaints.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous auto loans on my credit account that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from XXXX credit report as soon as possible.
Consumer complaint received 2023-03-01
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. (GA)

This company sent me a statement saying that I owed a debt to them and I have not heard of this company until receiving this notice. They have received a cease and desist and are damaging my reputation by putting this negative information on my consumer report after receiving such notice. This company has also defaulted in responding to my debt validation requests and affidavit of truth. I have also sent them highlighted violations they have committed.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX  XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>.