davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX XX/XX/XXXX CFPB XXXX XXXX. RESPONSE USAA CONFIRMS XX/XX/XXXX XX/XX/XXXX numerous temporary credits. 
What is NOT REPORTED IS TRUTH TEMPORARY CREDITS ** NEVER MADE PERMANET*** XXXX XXXX USAA rep CONFIRMS USAA HELD ME THE CONSUMER LIABLE FOR THIS {$470.00} FRAUD REPORTED XX/XX/XXXX. See attatched CREDIT CARD FRAUD CLAIM date XX/XX/XXXX ONLY THE BALANCE OF STATEMENT {$470.00} WAS REPORTED FRAUD BY ME. ** XX/XX/XXXX USAA CFPB RESPONSE HELD ME LIABLE FOR THE {$470.00} FROM XX/XX/XXXX Then ( month later ) XX/XX/XXXX USAA SENDS FRAUD CLAIM LETTER XX/XX/XXXX ( CREDITS MADE PERMANET ) viewing XX/XX/XXXX STATEMENT, CLEARLY USAA CREDITS NEVER MADE PERMANET EVER. XX/XX/XXXX STATEMENT AS CONFIRMED BY XXXX XXXX CONFIRMS ONLY CREDITS XX/XX/XXXX WERE MERCHANTS {$340.00}. USAA PLACED REVERSALS OF TEMPORARY CREDITS. {$340.00} NEVER GIVEN XXXX XXXX XXXX, XXXX see XX/XX/XXXX STATEMENT. 
USAA HAS NEVER PROVIDED PERMANET CREDITS & TEMPORARY CREDITS of the {$340.00} WERE NEVER GIVEN XX/XX/XXXX TO REVERSE XX/XX/XXXX & XX/XX/XXXX the entire transactions are back on the card AS NEW CHARGES??? XX/XX/XXXX, XX/XX/XXXX = {$810.00} ( USAA ADMITS THEY HELD ME LIABLE FOR {$470.00} UNAUTHORIZED TRANSACTIONS????? XX/XX/XXXX ) XX/XX/XXXX TO CFPB AND THEN ** XX/XX/XXXX CREDITS MADE PERMANT.??? CAN NOT BE BOOTH THERE ARE NO USSA CREDITS EVER. Internal hidden credits are UNACCEPTABLE. This is over two years later. Where are all of my INTERNAL HIDDEN fraud  credits????? USAA DESTROYED MY CREDIT!!!! USAA LEAVES CONSUMERS LIABLE FOR UNAUTHORIZED TRANSACTIONS AND IT IS CONFIRMED BY USAA XX/XX/XXXX TO CFPB.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am intrested in disputing all incorrect information on my credit report with Transunion. checking my file ive noticed all of invalid data that is hindering my credit report. please update and correct all listed information to clear my report.
Consumer complaint received 2020-03-18
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. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-03-18
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. (TX)

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (FL)

In XX/XX/2023 I reached a settlement with XXXX and Aldridge Pite Haan on credit card debt. I was represented by XXXX XXXX. My firm file number is XXXX. 

I have made monthly payments to Aldridge Pite Haan. I have all my recorded payments to Aldridge Pite through XXXX XXXX XXXX XXXX, last XXXX digits of the card XXXX. 

In XX/XX/2023, I inquired into my account balance with XXXX XXXX. The remaining balance was {$1000.00}. The firm does not provide any balance or payment history when entering the payment system or sending payment. 

I sent another inquiry recently as I am nearly done with payments. I received a reply from XXXX XXXX claiming I now owe more than what I originally owed, over $ XXXX responded, stating the amount was erroneous, explained that I had paid regularly since the settlement. and I requested my payment and balance history. 

I received no response. I followed up and XXXX XXXX stated they would send a letter to the attorneys at the firm as my account file number was not found when entering into the Aldrige payment system. But I have yet to receive any response, requested information, and my balance fixed. 

Aldrige Pite Haan is deliberately doing this to try to garnish more money from debt collectors. There are reviews on XXXX and numerous other websites where users describe these similar tactics. The firm is not responsive and they do not provide payment or balance history when requested, and they manipulate balances for profit.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (CA)

I have been mailing ERC since XX/XX/XXXX, asking for validation of this account, ERC has not provided validation of the debt, ERC admitted that they are not the account holders, so why they are reporting a negative account to my credit report, ERC is not the account holder, and they are affecting my credit score, they still calling at least 10 times per day, I have send a certified mail asking for cease calls and send validation of this account, TransUnion and Experian are being aware of dis un-validated account. 
ERC Keep re-again this account, this is also affecting my credit score. 

Account NameENHANCED RECOVERY Account Number XXXX Account Type Collection Date OpenedXX/XX/XXXX StatusCollection account. {$880.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$880.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$880.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2020-03-18
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: EQUIFAX, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}
Consumer complaint received 2021-06-17
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EdFinancial Services (CA)

Received spam calls daily for at least a year. Usually only three different people. 

I was firm that I want them to please stop. The person from the fraud scam pressed me for information. He wanted to collect data, specifically my date of birth and the last four digits of my social security number. 

He kept pressing for information, I was fuming. 

I told him my number and to never call me again. I hung up on him after he refused to cooperate. They are evil and persistent, I can only imagine how many people they have cheated! 

The very next day I received several calls. I'm done with these cheats! 

I checked my student loan account and everything is fine. The government extended payment of student loans due to covid.
Consumer complaint received 2020-03-18
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. (MS)

On XX/XX/2020 I sent Transunion a dispute letter letting them known that they have several things reporting incorrectly on my credit report. The errors that I found : Wrong creditor listed, the open date has been changed in an attempt to re-age the account, statue of limitation has expired on the debt, and the date of last activity is incorrect. They show that XXXX XXXX has the account but i received a letter from a company named XXXX XXXX, stating they have the account. I would like to file a formal compliant on Transunion. They did not do a proper investigation on this account. Transunion is still reporting inaccurate information on my credit file. Below I have attached a copy of what I was sent from the creditor when I tried to validate the account. And I have attached the last dispute letter I sent Transunion along with a screen shot of how transunion is still reporting this account as XXXX XXXX as the holder of the account.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2020-03-18
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (MD)

In accordance with the Fair Credit Reporting ASct this creditor XXXX XXXX XXXX XXXX XXXX XXXX MILITARY STAR, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (NC)

I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2021-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

This is now the second complaint I am filing against this company. This company stated in the last response they sent validation many times to addresses that are NOT known to me and spoke with me which I NEVER re call ever speaking with ANYONE. I am requesting FULL VALDATION, signed authorization be sent to me through the CFPB portal which can be uploaded so I can review the information
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

My vehicle was vandalized right before the lease matured. The insurance company estimate was going to total the vehicle and they told me the vehicle was going to be totaled if they were going to cover it. They did everything they could to deny coverage. The company is XXXX. I currently have an attorney representing me to enforce the policy and have XXXX  cover the damages in order to return the vehicle to Infiniti of attempted to surrender the vehicle to Infiniti without any luck. Vehicle is currently damaged and I dont have the money to pay for it without insurance, theyre charging me for monthly fees after the lease is expired, and the vehicle is going to be totaled out when the insurance company settles with my attorney its all in process, but they continue to call me every day talking about repossessing a vehicle Ive attempted to surrendered both Dealer and Infiniti financial and they keep begging me to pay for a vehicle that is going to be totaled after I replaced it all is in process with XXXX  yet. Infiniti financial services is relentless on charging me for a car thats no longer usable and is going to be paid by insurance.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (MA)

This company contacted me about a debt I have no knowledge of and I feel that my consumer rights are being violated. According to FDCPA Section 807 : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (GA)

I started service with XXXX in XXXX of XXXX and by XXXX they were already overcharging and services were not working so I canceled the internet and resumed service with the home security. They continued to overcharge and services were still not working properly so I told them if they did not correct the bill and fix the service issues I would not be moving forward. They did not do either so I requested the services to be disconnected. They instead disconnected for non-payment and then billed me for equipment charges and service charges ( although the services were not working and there are daily chat transcripts showing this ). I noticed today that there was a collection account on my credit report asking for the service charges and for equipment charges and the company has had the equipment in their possession. I was told by a customer service representative that the {$500.00} in installation charges for the security equipment are considered early termination fees and that I still have to pay for the equipment although the equipment has been returned to them. He also stated I signed this in the contract when service was started on XX/XX/XXXX and when the service was changed on XX/XX/XXXX. I read the agreement and nothing in there states that I have an ETF of any sort if the service is disconnected nor does it state that I am liable for continued equipment charges. I asked to speak with a manager or their legal team to discuss the contract that I signed and I was placed on hold for over 30 mins and no one has yet to come back to the line. I am actually typing this complaint as I sit on hold for the representative. They have now disconnected the line. I dialed in at XXXX XXXX eastern today XX/XX/XXXX, and the total call was for 41 mins.
Consumer complaint received 2021-06-17
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: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 Chase called us about XXXX XXXX card being 30 days overdue. We were eventually transferred to XXXX XXXX in the credit Bureau escalation department. XXXX claims we went online XX/XX/2021 and requested paperless. We would have never done this. We feel maybe if true but we dont believe. I dont remember ever logging on at all. If we did then the complaint is we were tricked into going paperless. We now have a 30 day late reported on our credit. I would like this removed. XXXX would not let my husband talk to her even with my permission. XXXX XXXX would not give us her last name. Mature would not let us talk to anyone else. XXXX refused to give us an extension or anything else that identified her.