davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

Hayt And Hayt is attempting to collect on a debt for their client XXXX XXXX XXXX. This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.
Consumer complaint received 2022-01-21
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. (CO)

In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay.

THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}
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 — Problem with personal statement of dispute
Company: U.S. Auto Credit Corporation (MD)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Maryland XXXX. 



Subject : CHARGE-OFF DISPUTE Account : US Auto Credit To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).

1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting
Consumer complaint received 2023-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

On XX/XX/22 I requested a refund from MOHELA on all payments made during the COVID payment pause. The total amount owed was originally {$1500.00}. After weeks of conflicting customer service information and misleading timelines I filed a CFPB complaint ( case number XXXX ). In XXXX a refund for {$260.00} was received ( and added to my balance ) however customer service representatives were unable to explain why I had not received my full refund. MOHELAs CFPB response did not address this difference despite it being outlined in my original request. Attached is a record of payments made during XXXX to XXXX, my original servicer.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I went into XXXX XXXX dealership on XX/XX/XXXX with a pre-approval letter from my credit union and informed them that I would be purchasing a card via check from my credit union. They asked for my social security number anyways because they work with the dealership and that they could access the pre-approval. I asked why they would need my social if I did not want them to check my credit, since I already had a pre-approval and check to pay for the car. They said it was standard procedure to check identity and that they would not run my credit. I reiterated over XXXX times that I did not give them permission to check my credit because there was no need to. They assured me that the would not and that they could not by law without my permission. As I am waiting in the dealership lobby, I get credit monitoring alerts saying that i have multiple new hard inquires that were just added because the dealership ran my credit. I immediately stormed into the finance managers office asking what happened and reminded them that I did not give them permission to run my credit since I already have a pre-approval and check through my credit union. They immediately started trying to lie and make excuses about why they had to run my credit. I let them know that again for the sixth time that I did not give permission and that what they did was illegal. So here I am now trying to get this corrected. I have all of the documentation showing my pre-approval letter from my credit union before entering the dealership and also proof that I paid with check from the same credit union. The people at XXXX XXXX in XXXX are doing illegal business and this must be taken care of.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX is reporting inaccurate information to credit bureaus. Based on documents from XXXX they are in violation of the FCRA for reporting inaccurate information on my file. After numerous disputes with the bureaus. Contacting XXXX about the situation both refuse to follow the law set forth in FCRA. XXXX has verified false information but more unethically updated its mistakes based on the documents of proof I provided to the credit bureaus during my dispute process. They continue to report the charge-off amount falsely. The amount that was charged off is XXXX as provided in documents provided to me from XXXX XXXX. No matter how times I have provided this information to the bureaus they allow XXXX to verify a totally different amount which is the definition of inaccurate.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (TX)

I just noticed my credit score plummeted from XXXX to XXXX in one month. Now I see I have 6 inquiries from a dealership XXXX XXXX to buy a vehicle. They promised the only had to run my credit twice. Now I see 6.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Date- I have wrote XXXX  , Transunion and XXXX  regarding inaccuracies on my credit report XX/XX/XXXX XXXX  has removed the account. 

However Transunion and XXXX  continue to report inaccurate data on purpose to hurt my credit. 

I am a veteran and I shouldnt be treated like this ; I have facts and there are being ignored like Im just another number. 

Amounts- {$1000.00} Actions I took : Issue : Credit Bureau Reporting inaccurate Date of last active on XXXX account- TransUnion has XX/XX/XXXX and XXXX  has XX/XX/XXXX. It is obvious XXXX  has re-aged this account and this is a violation. 


In addition, I believe they are required to put on my credit report _A notice of Dispute in comment section ; within 30 days and they have not. This is another violation. 

Also, Transunion has no history reporting in the Legend of the account how Is that possible? 

Resolution is - delete this account for inaccuracies Please see the attached current credit report for XX/XX/XXXX, and XXXX XXXX XXXX  remove acct. 
Please see the attached Letter I sent XX/XX/XXXX. 
Please see attached Drivers License, and my passport as proof of identity. 

Please assist me with getting this issue addressed. 

Thanks XXXX XXXX
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am a customer of chase bank and have been for years. On XX/XX/XXXX I noticed transfers of XXXX, XXXX, XXXX, XXXX and XXXX dollars being withdrawn from my account, there was also a deposit of XXXX. I then immediately go to chase bank to dispute the transfers and restrict my account. As the information about the transaction started to unraveled I found out that someone in XXXX, Texas stole my identity and added themselves as a signee to my account. I was able to get the ID number on the ID card And the XXXX XXXX card the person used for another form of identification verification. I was told I would need to be in the bank in order to add someone to my account as a signee. While this is impossible at the moment because Im in California. This nefarious person was able to use my identity in Texas to add themselves to my account and steal XXXX dollars from me. I thought it was an easy fix with the bank but I filed a claim two separate times and to no avail they denied my claims. I am extremely saddened, distressed and traumatized over this fraudulent action and negligence by chase. They are not honoring there part of the agreement which is to provide a service of protection for my finances. Chase allowed someone to steal XXXX from me and they wont fund my money back to me. I really need help in the situation because I have never encountered such negligent and nefarious behavior.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/XXXX at XXXX I received an email stating that a purchase from XXXX XXXX had been made in the amount of XXXX. I was at home so I know that it wasn't me who made the purchase. I called within XXXX minutes of receiving the email to tell the bank and have them cancel my card. I had received XXXX phone calls the night of XX/XX/XXXX about apple pay but I have a XXXX phone so I can't use apple pay. The number was from the bank and the automated voice said it was Huntington bank. I hit the no option but didn't think anything about it. Then XX/XX/XXXX I received an email at XXXXXXXX XXXX stating that my apple account had been set up so I called the bank again to make sure that the card was canceled and asked why I am getting an email the day after all this took place. I was told to file a police report which I did. I sent the case number to Huntington. I called Huntington on XX/XX/XXXX just to follow up and was told that the case was closed and that it was found that information that I said didn't match what was found so the case was closed. I was told they could reopen it and I asked that they do because that is a descent amount of money that I need back. I was told that apple pay was used but I don't have an XXXX and never received any verification codes to even approve an XXXX account. I didn't receive an email from the bank until the next day after all this had taken place telling me that my XXXX account was active but again I don't have an XXXX. This was not me. I would not risk going to XXXX  by getting the police involved if I did this or had any part in it. I don't understand what information they used but I just want my money back. I have never been to the XXXX XXXX that this happened at nor do I ever shop in that town.
Consumer complaint received 2024-06-14
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This incident occurred in 2019 when my father suddenly passed and I was forced to take over his house so my siblings wouldn't lose the roof over their head, XXXX XXXX, the apartment complex that changed owners as I was leaving, had made an agreement with me that they would let me break my lease without having to worry about any additional fees given my situation. They took my deposit and that was that. 3 years later this collection company claims I owe them {$2400.00} and that if I don't pay it they will put it on my credit score, I asked for proof of all of this and a breakdown and it was never sent. I get phone calls almost every day or every other day from them about this debt and I've tried to get this resolved without any momentum
Consumer complaint received 2019-12-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had health insurance at the time and therefore these costs were covered and there should not be any outstanding balance due. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IN)

I told them the debt was paid and shouldve been cleared..the credit company sold them the debt without my consent and I end up paying it to creditor..I asked for a debt validation letter and they did not have it or never sent it to me..I asked for them to correct it and they still have not
Consumer complaint received 2024-01-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have two Amex gift cards and they can not be used on XXXX or any other place I try to use them. Amex says they are being declined for security purposes but why?? Both cards are valid and supposed to be accepted where Amex cards are accepted. Amex is useless in helping. Im so frustrated and have spent countless hours during the month of XXXX on calls and trying to use the cards to no avail.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MicroBilt / PRBC (formerly CL Verify) (MA)

I am writing to follow up on my previous notice sent on XXXX  days ago from the date of this letter, regarding the dispute of certaininformati on in my credit file. I am specifically addressing the fraudulent information as a victim of identi ty theft ; SeeFraudulent Inquiry Summary in my letter attached.
Consumer complaint received 2020-06-09
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: CITIBANK, N.A. (NV)

I have been a Citi XXXX client since XXXX. I hired XXXX XXXX XXXX to install the flooring in my house. After paying the full amount of credit card payment of {$2400.00}, at the same day I received an email with an increase of almost double prices. I was so upset to cancel the work and called the credit card company right away to stop the payment going through but the staff told me that it had to wait for the payment going through to be disputed. During the disputed process, payment credit back to my account shortly but one month later on XX/XX/XXXX REVERSED..I also filed a complaint on Nevada State  Contractors Board .The .investigation officer helped me to call the Citi credit card company told them thats the fraud money with people taking someone money without work run away. The Citi credit card company never returned back the money even I had been calling many many times and left the voicemail nothing returned to call .. That reason the case had been keeping delay by now still never resolved
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

I C SYSTEM ( The original creditor was XXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and I C SYSTEM keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID.
Consumer complaint received 2022-01-21
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. (MI)

The credit Bureaus have ignored my request for their methods of verification regarding accounts that are inaccurately reporting on my credit report. I am aware that according to the FCRA the Bureaus are required to provide such methods if requested by the consumer. Instead they choose to blatantly ignore me and my request all together forcing me to take additional measure such as filing a complaint. 

I'm exhausted and simply want to correct any errors and inaccurate reporting on my credit report but they aren't conducting real investigations. They're only providing automated responses which is doing harm to my credit because I am not able to have these issues resolved.
Consumer complaint received 2020-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

My financial planner and I called Nel net to pay off my student loans via refi my home. We were transferred to a number that said we coud make a payoff. We signed docs and XXXX was taken out of my acct. A few weeks later Fed Student Loans said they got my consolidated amount of loans. They have 0 record of any money put into the payoff. Nelnet said it was a scam. The office will not pick up and XXXX XXXX said I signed paperwork that I never signed. I have the documents and the check. I am now starting from scrath after 8 years of payments and I am out {$5000.00}. and no one has any idea how this happened. I am a mother of XXXX and a XXXX XXXX. This has devastated us.
Consumer complaint received 2020-06-09
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: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is an account from XXXX XXXX that is listed that says I have multiple missed payments for AFTER I returned my lease to XXXX. I returned my lease in XXXX of 2018. Those missed payments are all for after my lease was returned to XXXX.
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (AL)

The dispute was submitted to Equifax LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for XXXX XXXX XXXX  account Account # - XXXX. The account is paid in full. Documentation to include payment history, statement, and letter from the company stating the account was paid in full.