davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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. (FL)

In XX/XX/XXXX I opened a dispute Report # XXXX with Experian Dispute results reported on XXXX XXXX.The dispute was opened with Experian due to inaccurate reporting of a delinquecy by XXXX XXXX  XXXX XXXX on XXXX XXXXThis information is inaccurate due to the cards Inclusion in My Bankruptcy filed in XXXX XXXX was directed by My Lawyer to stop payment to all credit card lenders including XXXX XXXX  XXXX XXXX in the bankruptcy petition.As a result I was not permitted to make payments to any of the lenders named in the bankruptcy.The Experian Report # XXXX shows no record of the delinquent payment from XXXX XXXX  XXXX XXXX.However XXXX XXXX  XXXX shows Discharged By Bankruptcy with No History of Payment.The card account was issued XX/XX/XXXX and was in use until XX/XX/XXXX with zero incidents of delinquent payments or non-payment by me for a period of more than 9yrs.As a result this inaccurate delinquency reporting by the Bankruptcy Discharged XXXX XXXX Card is effecting my credit score when it should not be considered due to Bankruptcy Discharge.I want the error removed from my report.Thank You!
Consumer complaint received 2021-03-19
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

i had unauthorized transactgions on XX/XX/2021 frfom XXXX for XXXX. i also had requested for a refund for XX/XX/XXXX at the XXXX  airport for {$130.00}. My Bank of America account i disputed both ( 2 ) tranactions. While Bank of America ( BOA ) did their investigation the bank credits yoiur account for the amount of the tranaction. 

On XX/XX/2021 i looked at my BOA bank account and i was negiticve XXXX. I csall BOA customer Service at XXXX XXXX XXXX and i was transfered to the fraud/disputes department. I was explaining the situation to the agent and he was rude and eventually hung up on me. 

This is not the first time this has happened.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TX)

THIS NOT A DEBT VALIDATION OR DEBT VERIFICATION REQUEST. 


XXXX XXXX A Charge off is cancelled debt filed on the furnisher tax return and classified as ordinary income and income can not be reported on a consumer credit report as debt.If its income it cant also be debt.. Its inaccurate and violates the following codes.

15 USC 1681b Permissible purpose ( no written consent was given ) Without consent, this violates 15 USC 1681c-1 and according to 15 USC 1681c-2 this should be deleted 15 usc 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reason- able procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 USC 1681s-2a1a reporting information with actual knowledge of errors ( reporting income as debt ) 15 Usc 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; are not included in consumer report ( reporting 1099c/income is prohibited Or any transaction Its also causing defamation of character to my public appearance If this isnt deleted pursuant to 15 USC 1681n and 15 USC 1681o I will seek litigation and damages of XXXX  for willful non compliance. 

They have willfully violated my rights by ignoring the law and per their own investigation they only verified and validated the debt which isnt what I am disputing. I will also be filing complaints with the XXXX and ATTORNEY GENERAL to be able to provide proof indisputable evidence of willful violation of my consumer rights in court.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I applied for a Chase Ink credit card. The application was initially denied, but on XX/XX/XXXX, I spoke XXXX in card lending services who told me the card was approved with a {$5000.00} credit line. I waited several weeks and did not receive the card. On XX/XX/XXXX, I called and spoke with a series of individuals including XXXX ( on XX/XX/XXXX ), XXXX, XXXX and XXXX. Finally, I spoke with XXXX who said the card was approved ( Ref # XXXX ). However, no one informed me that an additional credit report would be pulled. I would have though the previous credit report pulled on XX/XX/XXXX would have sufficed. 

On XX/XX/XXXX, I spoke with XXXX in Chase 's credit bureau reporting department who told me a new credit report had to be run because the card had not been approved when I called for reconsideration in XXXX. The first credit report wasn't even 60 days old. First, it's excessive for Chase to run so many credit reports... I opened a business checking account in a branch AND applied for the Ink credit card on the same day with the same banker. Why were two separate credit reports required? Second, the credit report that was pull on XX/XX/XXXX was not authorized and Chase should have been able to make a credit decision based on four-week old credit report.
Consumer complaint received 2021-07-08
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: HYUNDAI CAPITAL AMERICA (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from Capital One. The late payments are : -60 days past due as of XX/XX/XXXX, XX/XX/XXXX -30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per USC CODE 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.
Consumer complaint received 2024-11-13
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. (AL)

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> -- - Dear [ Credit Reporting Agency ] , I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( [ Account Number : XXXX ] ) for which I have maintained timely payments. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the utmost accuracy of the information they report. 
I demand an immediate investigation into the discrepancies on my credit report. Please provide verifiable evidence, such as account statements, to substantiate any alleged late payments. If you can not provide this evidence, you are legally required to update my records to reflect my accurate payment history, as per FCRA Section 611.

There are only four days remaining to complete this investigation from the date of my initial request. Non-compliance with this timeline will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial (PA)

On XXXX an account was opened fraudulently in my name and using my social security number. I was notified on XXXX XXXX when a withdrawal in the amount of approximately XXXX was taking from my account. My bank gave my the merchant and telephone number and I contacted Preferred Lease to inform them this account was fraudulent. Preferred Lease directed me to their fraud department and took my information while also directing me to file a police report as well as a FTC report. I followed through but then they requested photo ID, social security card, and other information that I was uncomfortable with being as though this matter was already identity theft. I contacted the credit bureau and had them investigate the matter sending them the information they required. XXXX  stated that the account was validated as belonging to me. I asked XXXX  to send me what information was sent to verify my account and they stated that there was not anything sent to verify the account that Preferred lease just confirmed by email that the account belonged to me. As of today this has hindered my credit and is causing major damage as it is reporting late payments.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (NY)

Dear XXXX XXXX c/o mcarthy burgess & wolff, collection agency RE : Your request dated XX/XX/XXXX rcvd XXXX regarding XXXX Billing XXXX  service started XX/XX/XXXX Acct # XXXX No contract was offered or required. Prior to authorizing service, I specifically asked the local installer agent for XXXX if I was obligated for a specific term of service. I was told that I was NOT. 
Service was borderline acceptable and when a viable alternative presented itself, I opted for a discontinuance of XXXX, now called XXXX, service on XX/XX/XXXX I phoned XXXX on XX/XX/XXXX to terminate. I spoke with an agent named XXXX, who told me that the contract I signed will owe ~ {$150.00} by XXXX XXXX this would be the balance of contract due at termination However : 1. I did not sign any ( ANY ) contract I have no copy. I requested that XXXX send me a copy indicating that I had agreed to the cancellation charge. 
2. XXXX said he would send copy of the contract in 24 hours to my email address : XXXX XXXX. He supplied a reference case # XXXX 4. I had received nothing received by XX/XX/XXXX so I called XXXX again. 
I spoke with a female agent, whose name I did not record, who informed me that XXXX had sent a copy of a contract (? ) to me at XXXX -- the WRONG ADDRESS! ) after I had corrected him 3 times on the phone. It is XXXX That is XXXX  as in XXXX. 
5. The new agent promised that a replacement copy of the missing contract would be sent pursuant to our conversation ( on XX/XX/XXXX ). Nothing has been received as of this date [ XXXX XXXX ]. 
6. A lost charge card in XXXX required a replacement. Since the number was different, the automatic XXXX payment to XXXX of {$79.00} failed. I was not notified at that time, but the XXXX bill was for {$150.00} : {$79.00} XXXX + {$79.00} XXXX. This payment was made with the replacement card, and payment was posted to my account, indicating XXXX had received the FULL XXXX and XXXX payments, and my account was up-to-date. 
7. Apparently, not having updated my account as cancelled, XXXX charged my credit card {$89.00} in XXXX. Since my account was cancelled as of XX/XX/XXXX, and I had received NO confirmation of any contractual obligations to continue payments past the termination date, XX/XX/XXXX, I disputed the charge with my credit card company. 
8. XXXX subsequently issued a refund of {$89.00} on XXXX ( ref # XXXX ) 9. I now am in receipt of a letter dated XXXX XXXX from the collection agency ( above ) indicating that XXXX is now claiming I owe {$89.00}. There is no explanation for this fraudulent charge. 
Since over the period of XXXX XXXX to XXXX XXXX, there was NO confirmation from XXXX that ANY further payments were due, and since NO evidence of any contractual obligation for payments past that date of cancellation were offered after repeatedly asking for same, this collection letter is harassment. 

Complaint has been filed with FTC, CFPB and FCC. 
Regards, /s/
Consumer complaint received 2021-07-08
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  CONTINUE TO REPORT ON TRANS UNION ALTHOUGH OTHER 2 CREDIT BUREAUS HAVE REMOVED THIS. PLEASE HELP WITH TRANS UNION REMOVAL.
Consumer complaint received 2019-12-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (MA)

We traded in our vehicle at a dealership when purchasing a new vehicle. Our current monthly payment on the traded-in vehicle was not yet due. After the purchase, the dealership did not send in payment for our trade in for over 45 days, despite numerous phone calls and in-person follow-up visits to the dealership to rectify the problem. As a result, both my and my husbands credit ratings plummeted over 100 points each! Shady practices by car dealerships!!!
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates (MD)

I received a phone call from a woman claiming she had documents to serve to me. She wouldn't give her name, the company she was calling from, what the papers were in regards to. She had an account number and a phone number, which I called. 

Upon speaking with XXXX, it took prying to discover that this was Lewis, McDonnell and Associates. It didn't take much for him to imply that this was a law firm. They claimed to be serving court documents and that I would be taken to court. After some time I spoke with him and eventually got a settlement offer. I paid about XXXX of the settlement and agreed to pay them by the end of the month. 

After digging, though, I found that their address leads to a XXXX store somewhere in California. Their website is misleading, as it's essentially a template. 

While I do acknowledge this debt was something I owed at a horrible time in my life, I do believe I was purposely misled by this company with their use of scare tactics and misinformation.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Benworth Capital Partners LLC (OH)

XX/XX/XXXX of this year my account was locked due XXXX XXXX  not accepting ACH PAYMENTS which I was told they were they then closed my account a month later which was XX/XX/XXXX took a long time to respond back to my email I have them my personal information thinking I was going to get it resolved never did they kept saying check my account for a update nothing. So I took it to the XXXX  they couldn't help me. It's. They told me to contact the depositor which was BENWORTH Capital LLC they don't respond all phone lines are always busy and I'm struggling I have no money to pay my bills or nothing. Someone needs to do something about BENWORTH I was told after the fact my money was froze that they are a fraudulent lender. My checking has {$390.00} my savings is {$2100.00} and can't get to it. I need help
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Equifax has violated the Fair Debt Of Collection Practice I have sent a dispute regarding account XXXX  that was not my debt, I sent Equifax a letter on On XX/XX/2021 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. on XXXX XX/XX/2021 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. 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 with on XX/XX/2021. 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. On XX/XX/XXXX I sent certified letter requesting method of verification. It has been ignored I have not received any letters for investigation. I spokewith XXXX customer service ID XXXX on XXXX XXXX she implied there is no letters the have received and ignored it I have sent it certified US. Mail it will be attached in the documents. It has been 30 days and I have not received any correspondence from Equifax violating FDCP.
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: Alorica Inc. (CA)

There is loan showing on my credit that does not belong to me. I have submitted 2 disputes with XXXX  on XX/XX/21 and XX/XX/21. Each time they have completed and closed their investigation confirming the account belongs to me. No information is being provided to me to confirm this debt is mine. I have contacted the company XXXX myself via email and calls. Over the phone they have not been able to locate an account with my personal information. I sent an email, no response. I contacted the XXXX  on XX/XX/21 with no response from the company. I dont know how else to let XXXX  know this account does not belong to me.