davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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: Santander Consumer USA Holdings Inc. (MO)

Santander Consumer USA has not provided me with the legal documents I need to prove the validity of this account. I have asked them several times to provide a signed contract to prove this account is mine. The last certified letter went out on XX/XX/2021. Still waiting for a response. If the other responses to my inquiries are any indication, I will not get any validation for this alleged account. 

My reputation, credit report status, and future income opportunities have been permanently damaged because of this account! 
I can not get a car, house or credit card because of this mess. 
I am ready to go to court regarding this account if nothing happens at this point that would alleviant this situation!
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. I am exercising my rights under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and items lack factual proof, hence challenging their reportability. Federal and state laws require accurate and complete reporting of allegations, and it is inappropriate to report claims that are known or should be known to be unlawful.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted a few disputes to XXXX XXXX XXXX XXXX 2 accounts in reference to the erroneous, inaccurate and Non-Compliant information that is being reported on my credit report. I have sent in a copy of the credit report showing all the inaccurate information that is being reported and it is still being verified. So, this just let me know that no investigation is being done. The last dispute that was sent in is when I noticed that the account was closed and they are still reporting CO in the 2year payment history. One account is charged off in the amount of {$10000.00} and the other is XXXX
Consumer complaint received 2021-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
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: Commonwealth Financial Systems, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2023-09-30
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: Capstone Credit & Collection, LLC. (FL)

I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested CAPSTONE CREDIT & COLL to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC (WA)

My name is XXXX XXXX. We ( XXXX XXXX and his wife XXXX XXXX XXXX applied for home mortgage refinance with QuickenLoans ( Rocket Mortgage ) online on XX/XX/2021. I got a copy of " Your Refinance Solution '' dated XX/XX/2021 form Rocket Mortgage on line, which indicats that ( see the attached " # 4 ) '' for verification ) : Your Refinance Solution These are the refinance options that you qualify for based on the info you gave us, your credit score of XXXX and XXXX 's credit score of XXXX. The recommended option is the one we think is best for your financial goals ... 

As " Your Refinance Solution '' confirms both XXXX XXXX XXXX 's credit scores of " XXXX '' based on which the recommended option is the one we think is best for your financial goals. I contacted the Client Relations Team of QuickLoans immediately and complained about the fake credit scores of " XXXX '' based on which QuickenLoans processed my application for home loan refinance. I received an email reply starting with ... My name is XXXX XXXX with the Client Relations Team that looks at the incoming feedback that we get from our clients. I received your feedback, and I am a little bit confused in what you were asking ... 

Later on QuickenLoan sent a copy of Your Credit Score and the Price You Pay for Credit by mail to us respectively ( see attached " # 1 ) '' & " # 3 ) '' for details ). As I mentioned within my email dated XX/XX/2021, we still don't understand why and how our true credit scores were instead. This is the first time we recognized that someone submit false credit scores, an intentional wrongdoings, which might benefit someone illegally XXXX especially, we might be too old to stop the wrongdoings XXXX! 

P.S. Please see the attached documents # 1 ), # 2 ) & # 3 ) for more details.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (NJ)

Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and XXXX  finally removed the unknown accounts from my report. Unfortunately, XXXX  has been refuse to remove an account and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, so I am now contacting the CFPB because I need this collection account out of my credit report, it is affecting me a lot.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (MI)

In XXXX I purchased a vehicle from XXXX XXXX in XXXX Michigan. They purchased my lease. On XX/XX/XXXX the dealership paid XXXX XXXX to ally financial to buy out my lease. Ally sent them the title. They sold the truck. Ally is still charging the monthly lease payment. Listing the amount as past due. I have made several phone calls. They tell me the truck is still owned by myself ( and them, due to the lease ) they then try to tell me that XXXX XXXX has my account. I have tried contacting them on several occasions. Never getting off of hold. I was scheduled 2 separate call backs. Neither happened. 

I spoke with the dealership. They were asked to provide the odometer statement. Which they did and in return Were given the title. The dealership has tried to help me. Only to spend hours on hold never being able to get the right department on the phone. 

So as of XXXX, my truck was sold to the dealership by ally financial. Ally financial continues to keep my account open. Ally financial continues to charge me monthly for the vehicle. Just over XXXX dollars listed as past due so far. 

Through hours of phone calls I can talk to no one that has any knowledge, or ability to help me with the account. Other than telling me I need to talk to dealer services. Which does not seem to exist. 

The truck is in mine and my wifes name
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AZ)

Discover card is holding onto a payment of {$85.00} and not posting it account. I called Discover card customer service and I was told it could take two weeks. I have never had a returned payment in the past and account has been open almost two years. The funds have already been withdrawn from my checking account now for over a week. I feel this ridiculous. I want the payment applied immediately or the funds returned to my bank. Discover card or any bank for that matter should not be allowed to hold funds in limbo for 2 weeks or for however long they feel like it. This should be against the law and I feel further government regulations are required so banks such as Discover don't take advantage of consumers. I also had a slimier issue with XXXX XXXX but what XXXX XXXX did is the called my bank with me on the other line and they confirmed that payment cleared then they released the hold of funds on my XXXX XXXX credit card. Discover card should do the same as this is totally absurd.
Consumer complaint received 2021-06-23
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. (NY)

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, any and 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. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is charging me overdraft fees on top of returned payment fees. I have had bank fees assessed duplicate times. Often the 'fees ' are just loans are at around 100 % interest or more. I have been assessed thousands of dollars of fees even after requesting that the bank turn off overdraft protection.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputesd in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica (TX)

I opened a checking account with Comerica Bank on XX/XX/XXXX and deposited a check amount of {$1000.00} within next couple of days ( weekend ). 
The bank closed my account on XX/XX/XXXX and disabled the online access. 
The deposited fund was unavailable until today XX/XX/XXXX as they notified me in the mail. They charged me for a 'return item ' fee for $ XXXX when there was no other transactions but a single mobile deposit. 
Their main customer service line and local branch was not able to explain the charge. 
A local branch let me know that a check amount of {$1000.00} with the fee deduction would be sent to me.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A. (MD)

On XX/XX/XXXX the law firm of Kirschbaum, Nanney, Keenjan & Griffin, P.A. scheduled and attended a hearing in XXXX County Distrist Court with XXXX  XXXX  XXXX  XXXX  of North Carolina, Incorporated XXXX XXXX  XXXX  North Carolina that the consumer was not able to attend due to work certification and that the court was notified of and requested a continuance for approximately 30 days in advance. The firm falsely stated that XXXX XXXX XXXX of North Carolina, Incorporated ( XXXX ) was still the same company that they filed a Complaint on an expired judgment entered on XX/XX/XXXX for the XXXX XXXX XXXX XXXX of North Carolina, Incorporated D/B/A Progress Energy. Under the filing XXXX the court denied the consumers continuance and agreed that the company was still wholly-owned by XXXX and was operating as a foreign entity in the state of North Carolina. However this determination request written by XXXX 's counsel XXXX XXXX on XX/XX/XXXX to the XXXX XXXX XXXX ( XXXX  ) to avoid disqualification under rule 506 ( d ) of Regulation D. In it XXXX states it is in fact wholly-owned by XXXX XXXX and has been since XX/XX/XXXX. Further XXXX States it is controlled and ran entirely by XXXX XXXX XXXX 's and subject to total control by XXXX XXXX on page 6 and 7 and on pages 5 and on page XXXX XXXX states it is not a reporting company under the SEC XXXX and XXXX XXXX XXXX states " XXXX XXXX 's acquisition resulted in a change of ownership, control and management of XXXX and XXXX. XXXX and XXXX are now wholly-owned subsidiaries of XXXX XXXX. XXXX is now led by XXXX XXXX employees. '' Based on this evidence Fraud upon the court has been committed and it appears the SEC has been mislead in the companies present status if it is operating as a foreign entity. As XXXX XXXX XXXX XXXX North Carolina, XXXX XXXX XXXX XXXX North Carolina was not formed until XX/XX/XXXX per its fiticious name certificate it is impossible that the Plaintiff would have been party to the judgment entered on XX/XX/XXXX and is attempting to unjustly enrich itself via fraud upon the court. Further as I am a XXXX resident and the action took place across state line other violations may be present.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACS Financial LLC (OR)

Got an email from them. See attached emails. Whoever this company or person is this is a total scam. See the XXXX links below. 

https : XXXX https : XXXX
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

Hello, I am writing to complain that TD Bank let a company charge me over 5 seperate times with the amount equally XXXX dollars. It wiped out my account and took my tax return money. I have used this place before but I did not receive the purchase they claimed I made. I have told this to TD Bank several times, I have wrote the company numerous emails requesting actual proof and was provided nothing. TD Bank denied my original claim within a day. That is how I know they did not look into the matter at all. To add insult to injury, they wouldn't credit my account, even temporarily while they figure it out but had no problem taking my money out of my account. TD Bank claims the amount is too high for a " provisional credit '' but that is completely untrue, as they have credited other customers accounts for larger amounts in the past. This is not the time to be withholding someone's money when there is a pandemic going on. I am completely disappointed in TD Bank and I want a resolution now.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently obtained a copy of my credit report and noticed accounts that I have no knowledge of being reported to my profile. In XXXX my wallet was stolen during a work trip, the credit bureaus were notified and a fraud alert was placed on my account. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX, notifying them of the fraudulent accounts being reporting on my profile. Per 15 USC 1681B accounts that I have not given any written consent nor permission should be reported to my profile.

Reporting fraudulent accounts further violates 15 USC 1681c-2. 
I also requested that the credit reporting agencies remove all fraudulent addresses and credit inquiries that I have not authorized or given permission to be reported. 

These accounts being placed on my profile without my knowledge are hurting my ability obtain any credit in my name
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested written letters and verbally for transunion to remove, inaccurate and information off my credit report, according to the FCRA. The have ignored my demands and my rights. I have taken all necessary steps according to Federal law for the removal of these inaccuracies on my consumer report and I demand Transunion follow the law and discontinue violating my rights under the consumer law.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (CT)

CACH LLC over the past 10 years continues to send harassing letters after I send them legal Cease and Desist responses. I have also called and verbally asked them to stop and and all communications. It is such an old account that I had to ask them what it was? They do not even know what the debt was as it has passed down to several other agencies, companies and debt collectors over the past 10+ years. 100 % of my income is non collectible by law, I am XXXX  XXXX and on XXXX. But, in additon, the statute of limitations has run way out and I have made them aware of this. Each time they come back with the same account just under another 'new ' collection agency name, which I have kept record of. CACH LLC, XXXX XXXX, LVNV Funding, Resurgent Capital and XXXX. I am sending them another hand written letter back today with their letter enclosed. I am willing to prosecute them for harassment if this continues.
Consumer complaint received 2021-06-23
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: Exeter Finance, LLC. (CA)

During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.