davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (AZ)

Someone opened an account under my information and had three phone bills with XXXX XXXX XXXX under account number XXXX amount {$2700.00} date XX/XX/XXXX to XX/XX/XXXX Several accounts have also been created under my identity I only know of two so far that have been charged unnsure of the res but it does show that i owe {$6100.00} XXXX  XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX {$630.00}
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXXXXXX XXXX  ( XXXX ) and XXXX ( XXXX ), has violated my rights. By not validating accounts in question to which I have requested time and time again. I will list the violation that these companies has done to me.15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 section 2 ; It's also stated a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692f ( 1 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. These companies both has been in multiple lawsuits for not abiding the set forth by CFPB.
Consumer complaint received 2022-02-26
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. (FL)

XXXX XXXX XXXX XXXX XXXX, OH XXXX This is in regard to the following account numbers : XXXX XXXX XXXX I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX - Account XXXX Please remove it from my credit report. 

XXXX - Account XXXX Please investigate and delete it from my credit report.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (MD)

My husband and I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX. I contacted the Dealership to cancel the Tire and Wheel Warranty, completed and submitted the paperwork to the dealership on XX/XX/XXXX. Per XXXX XXXX the Finance Manager the paperwork was complete and was submitted to the vendor to process the cancellation. When I called the dealership to follow up, I kept getting the run around or no response to my messages. Once I was able to contact the vendor, I was told that cancellation of the warranty had been processed and funds were sent back to the dealership on XX/XX/XXXX. For the next few months, I made numerous calls and emails and at least 3 trips to the Dealership to try and get answers. I was told that the cancellation was processed but that it just hadn't appeared on my account yet. I reached out to XXXX XXXX, the sales person for assistance with trying to reach XXXX XXXX XXXX, the Finance Manager. All I got from XXXX was a bunch of excuses about the problems they were having with their change in ownership which now had become our problem. On XX/XX/XXXX, I received an email from XXXX XXXX see attached ) confirming the cancellation and that it should appear on my next statement. On my 3rd trip to the dealership in XX/XX/XXXX, I asked to speak to the Sales Manager. XXXX XXXX XXXX XXXX XXXX, the Sales Manager again offered a bunch of excuses and promised to follow up. I was told that they had received the funds from the vendor but didn't know where the money was. My last communication from XXXX was an email on XXXX XXXX again trying to demonstrate to me that the problem was with the accounting dept from the previous owner. And they were trying to figure out how to get the money back from the previous owner before they credited our account. Again not sure why their accounting issue was our problem. If was obvious that the statement from XXXX that the credit was going to appear on my next statement was a lie because they were trying to get the money from the previous owner. 
It has been almost 6 months and this issue has not been resolved. I have checked my XXXX acount numerous times and it still has not been credited for the cost I paid for the warranty or for the interest I have continued to pay on this warranty even though the warranty was cancelled on XX/XX/XXXX. I am beyond frustrated. I want the {$1800.00} for the warranty that I never used to be credited to my account along with the interest I have paid since XX/XX/XXXX.
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

Prior to MOHELA becoming my loan servicer, I expressed concerns related to the failure of the Dept. of Ed. to recognize my full time employment with the US Dept. of Homeland Security ( TSA ) and certify the months of XX/XX/2018 and XX/XX/2018. 

I have provided a W-2 and paystubs that indicate beyond doubt that I worked the required hours for a qualified employer. 

My loan servicer is now ( and has been for quite some time ) MOHELA and after numerous requests sent to them to address this issue- they have finally responded, only to state that I need to return to my previous servicer. 

Unacceptable! 

MOHELA is my servicer, and the servicer for PSLF, and they need to make this correction. 

I am only asking for what is just, proper, and right - to get credit where credit is due. I worked full time for the government and I can not believe I must go through such efforts to fix this error. 

Thank you for your assistance.
Consumer complaint received 2022-02-26
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. (CA)

Hello I'm am reporting a account that has brought me much pain and suffering and it has crippled my ability to get credit and making me appear irresposible. The company XXXX XXXX claims that I have not payed them for three months but I have extremely compliant. On for the past three months I have provided my banking information and gotten conformations that they recieved payment only to get letter stating that the payment didn't go through resulting in a late being placed on my credit. They informed my that my bank did allow payment and was retuned do to insufficient funds. And this is just not the case my bank never reported and activity of payment cancelation or any thing of that nature from this company. There is absolutely no such transaction in my bank records, which means that the negligence is completely on there end and not mine. I HAVE BEEN COMPLETELY COMPLIANT!!!
Consumer complaint received 2022-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (AL)

The debt they are attempting to collect has something to do with an ex-wife divorced XXXX XXXX ago. We spoke to them, told to them stop calling, and asked them to remove the number from their account. They keep calling and have been for some time now. 

The most recent call was today ( XXXX XX/XX/2022 ), the first was on XXXX XX/XX/2022. They've called at least XXXX times and have had all of this explained to them. Each time they promise to remove the number and stop calling but they obviously have not removed the number and they continue to call. 

The number they leave is this : Ally Financial XXXX XXXX XXXX ext XXXX XXXX I also spoke to someone claiming their name is XXXX XXXX ; XXXX promised to remove the number last weekend by the way. I get the idea that there really is not a XXXX XXXX as when you call back ; she is never there and I end up speaking to somone else.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

My wife set up Automatic Bill Pay through Truist Bank. The payment was set up for our mortgage. Initially the the bill pay payments were put in manually by my wife. Our payment is due the XXXX  of each month. It is considered late after 15 days. So XX/XX/2021 my wife utilized bill pays automatic payment system. It was set up for the XXXX of each month. The XXXX payment showed pending on XX/XX/XXXX, XXXX days before the XXXX. The XXXX bill pay payment showed pending XX/XX/XXXX. XXXX days before the XXXX. The XXXX bill pay payment showed pending on the XXXX. XXXX days before the XXXX. As a result of the bank pending the payment 4 days before the XXXX we incurred overdraft fees. These fee 's totaled 180.00 dollars. It would appear that there is no consistency when a automatic payment is labeled as pending. We had sufficient funds in our savings account to cover it, but the accounts aren't linked for overdraft protection. We did this to protect our savings from being depleted if our checking account was ever compromised. The lack of consistency with the bank labeling a transaction pending caused us to be overdrawn. Initially it was 2 days. Now two days has turned into 4 days. None of the manual transactions ever took 4 days. I get paid every Friday and this occurred on a Thursday. Is it wrong to expect some consistency from a bank?
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

This is another situation of JP Morgan Chase Bank, NA trying to again foreclose on my home again for a third time!!! the last two fraudulent times my credit was identified as being cleared of the two accounts which this bank supposedly cleared off of my credit due to XXXX XXXXJP Morgan Chase Bank , NA 's credit reported information in XXXX as being in default of the primary fake account first mortgage which later proved to be forged/photocopied documents used in the foreclosure sale on XX/XX/XXXX. Now the most recent ILLEGAL foreclosure sale on XX/XX/XXXX, of XXXX Again fraud discharged this second so called mortgage HELOC as this fraudulent sale was initiated and part of this illegal foreclosure sale was discharged with this illegal sale. Now I get the attached credit report from XXXX dated XXXX showing this heloc as being in default even though it legally should have disappeared with the most recent illegal foreclosure sale on XXXX XXXX, XXXX. I have also filed complaint with the FBI, FHFA-OIG , IRS-OIG and etc... This is where this bank is trying to set me up for Another ILLEGAL foreclosure sale using this account. Please see attached this discharged with last foreclosure sale has damaged my credit even though it was removed from my credit reports has been put back on without the first primary fake mortgage that was foreclosed on twice!!!! This is credit fraud and JP Morgan Chase Bank is responsible for this false credit reporting while trying to AGAIN trying to set me up for another illegal foreclosure sale. This is severe financial, emotional abuse leading to additional physically abuse causing this XXXX yr old, XXXX, XXXX  woman with only a XXXX XXXX XXXX to be again terrorised into having another XXXX XXXX  as I recently had XXXX XXXX this causing severe XXXX XXXX with all of this illegal fraudulent XXXX!!! this so called HELOC does no longer exist and it is listed under another alias of JP Morgan Chase Bank, NA being now called JPMCB Home Lending is doing this to me on behalf of JP Morgan Chase Bank, NA. This again is a pattern criminal act of illegal foreclosure attempt coupled with tax evasion while damaging my credit, I do not blame the credit bureaus they are all being given FALSE credit reports. I believe this is a full blown conspiracy and am requesting the CFPB look into my other CFPB complaints to see the connecting criminal acts against me for illegal debt collection by all parties mentioned in this complaint. I will also be filing with other state and federal agencies as this illegal criminal activity continues to illegally try an Steal my home for profit.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Fair Credit Reporting Act 15 U.S.C. 1681b I am the natural person consumer in original creditor.

I am invoking my specified remedy as a consumer in the original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth in 15 USC 1681b permissible purpose of consumer reports.

( A ) subject to subsection C, any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) and of course with the written instructions of the consumer to whom it relates.

This proves I am the consumer in original creditor and I have not given my written instructions to your company to furnish any information on my consumer reports and I demand a full removal and deletion of all negative accounts. I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactory with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation.

I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the fcra makes it clear your company can not furnish public information without my written instruction. I demand you stop infringing on my right to privacy
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX i called the company showing on the credit app CAPITAL ONE. They state that 1 credit card is under my name and the last time they attempted to use it, the credit card company declined the transaction due to non payment. They used about {$850.00} in transaction and the transactions were made in XXXX, Nevada. The credit card was activated in XXXX and the mailing address showing is my address. 
Per Credit card company Card was used in XXXX nevada at the following locations : NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gas station XXXX {$7.00} XXXX XXXX 2nd transaction on XXXX I received an alert from XXXX XXXX XXXX stating that a credit card has been opened under my name- I did not make the inquiry or use this card. This is the second fraudulent card that has been opened under my name. I have not contacted the XXXX XXXX XXXX  company this morning to report the card as FRAUD as i just received the alert. 

My My Mail has been missing and new credit cards are being opened and used under my name. Someone also stole money from me by using my checking account and routing number at XXXX XXXX XXXX XXXX. I am afraid this individual will continue to open fraudulent credit cards under my name. The most recent one i received was this morning.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

While I was in college, our dorm room was broken into and personal items were removed from my room. SSN card, bank statements, checks and other personal items. I filed a report with administration and campus police department. I was informed to wait and to start monitoring my credit. I noticed items on my file I did not apply for. I am having problems with Experian in resolving the problem. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-06
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. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XXXX  my vehicle was repossessed by Credit Acceptance. I fell on hard times which caused me to fall behind in my payments. Work slowed for me do to the pandemic. I am an XXXX driver which means that vehicle was my livelihood. Credit acceptance did not offer any deferred payments or any kind of payment plan. There is a lawsuit here in NY against Credit Acceptance for their practices and i would like to bd a part of it. They were calling me numerous times daily even after the repossession.