davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Once again refetence letter XXXX XX/XX/2021 ... Once again I receive a letter concerning my identity. After hundreds of reports and tens of dozens of these letters demonstrating their ineptness they claim they need to identify me. This company is the poorest of a very poor lot. No wonder why. Missing information, incorrect information and after providing my name, address and pertinent data they still can not locate me in their file. Opinion- That's assuming they can maintain files. They claim the complaint was ineligible... really. I guess you the CFPB have an issue or they do not comprehend English. Also CFPB does not allow SS LAST 4 ( XXXX ) The following form fields are incomplete or have errors : Social security number ( Credit reporting company )
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AmeriCollect (WA)

I am writing this complaint in regards to the alleged debt AMERICOLLECT INC is currently alleging that I owe ( Exhibit A ). After receiving an abundant number of phone calls from AMERICOLLECT INC, I wrote AMERICOLLECT INC by certified mail # XXXX on XX/XX/2021 notifying them of a CEASE AND DESIST ( Exhibit B ) where I clearly outlined the civil violations being committed under the Fair Debt Collections Practices Act. I also notified AMERICOLLECT to stop all further collection efforts and to cease any and all communication with me. A few weeks ago, I received a letter from AMERICOLLECT INC stating that two of the accounts referenced in my cease and desist had been cancelled. ( See Exhibit C ) However, they provided no information for the other accounts. Most recently I was notified by XXXX ( Exhibit D ) and XXXX that AMERICOLLECT INC is now reporting these derogatory accounts on my consumer report and damaging my reputation!! Not only is AMERICOLLECT INC committing civil violations but now they are continuing to harass me over an ALLEGED debt that I disputed since XXXX!!! On XX/XX/2021 I received a notice from AMERICOLLECT alleging that these accounts had been validated and that I owed this debt. First of all, only I, the consumer can validate a debt. Second, they provided me with copies of my medical treatment and visits. This is sensitive personal information! I have never done business with AMERICOLLECT INC nor have I ever entered into any contractual obligation. Lastly, I never gave my consent for any of my medical information to be shared!! I am demanding that AMERICOLLECT INC delete these accounts from my consumer report immediately and to stop ALL collection efforts at once! I do not take this matter lightly, and THIS IS MY FINAL NOTICE TO AMERICOLLECT INC. on the infringement of my rights and right to privacy!! This is sensitive medical information that is being shared without my consent! If this matter is not taken serious by AMERICOLLECT immediately I will be pursuing further litigation and will demand compensation for all of the damages this has caused me.
Consumer complaint received 2021-12-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-21
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. (OH)

This is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX # XXXX XXXXSANTANDER CONSUMER USA # XXXX
Consumer complaint received 2021-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

This is in reference to the previous case of XXXX that you just closed! 

Why did you close this without requiring that Capital One provide evidence that I was responsible for the charge? 

I can't believe that a federal agency named for protecting the consumer would simply believe a credit card company without them providing a single shred of evidence that I was responsible for the charge! 

What is the value of your organization if you simple accept at face value the word of the credit card company without them providing any evidence that I made the charge?
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

It started with this voicemail on XXXX/XXXX/2021 : They said I was being sued by Bank of America for a credit card I had canceled over 10 years ago. The amount was {$9000.00} but would settle for {$3900.00}. They said they sent multiple letters of collection intent but never heard back from me. 

The name of the company is XXXX XXXX XXXX. But it's confusing because when I called they also said they were a law firm : XXXX XXXX. 

Their phone number is : XXXX What was so concerning about this is they had my full social security number. 

I contacted Bank of America, but they couldn't find anything. I called the XXXX XXXX XXXX a few more times trying to figure out if it was a real company but they got progressively more impatient with me and eventually hung up on me. 

I would like to know how I can protect myself.
Consumer complaint received 2019-09-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The complaint is about the XXXX XXXX XXXX account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.
Consumer complaint received 2019-11-27
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. (LA)

XXXX XXXX transferred loan to XXXX. XXXX split loan into 2 separate loans. 
XXXX is reporting negative late payment from 2018 inaccurately. XXXX not only created 2 separate accounts from one account from XXXX XXXX but are also incompletely and inaccurately reporting negative information. The time that XXXX is reporting Negative, XXXX XXXX is reporting positive. The account was transferred to XXXX. DELETE XXXX ACCOUNTS ON ALL 3 CREDIT BUREAU REPORTS AS THEY SHOULD NOT HAVE CREATED 2 LOAN ACCOUNTS FROM 1 TRANSFERRED ACCOUNT AND SHOULD NOT BE REPORTING ANY NEGATIVE INFORMATION. SEND REPORTS WITHIN 30 DAYS SHOWING ITEMS COMPLETELY REMOVED FROM CREDIT REPORTS.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NC)

This XXXX XXXX account XXXX of {$380.00} was opened on XXXX 2019. The problem was that I was out of the country working for XXXX XXXX and this account was opened by XXXX XXXX. He used my name to open up this account and this debt is his not mine. This is impacting my credit score and need this debt to remove off my credit report on the basis that identity theft was committed.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NJ)

I have an auto loan with Santander for my 2019 XXXX. During the pandemic I called to refinance for a lower rate after making on time payments and they declined. I continued to make payments until I fell iXXXX XXXX XXXX. I had to request a few extensions. During one of the times I had a hardship, I was told that I was approved for the payments to be deffered but I never received any paperwork to sign so that resulted in a negative report on my credit and my credit score was lowered. The company refused to help even though I explained that the hardships were XXXX related. My vehicle was recently totaled in XXXX, on the date the payment was due. I called Santander to inform them and ask how I should handle paying or if I should be waiting for the insurance to pay it. I was told that my account was in the legal department and someone would call me back. I never received a call so I called back a few weeks later to see what my next steps should be and was again informed that I would have to wait for the legal department to give me a call. They never called. I called again today and was told that my payment will now be reported because it is past due and that I should have just mad a payment even though the car was totaled in XXXX. I tried explaining to the representative that I called several times because I didn't know how to handle things and that at this point I really could not afford another negative impact to my credit but she would not hear me out and insisted on transferring me to the insurance department. I really don't know what to do and another negative mark on my credit will put me in my family in a horrible bind. This company continues to ignore me and pass me around.
Consumer complaint received 2021-12-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXL XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank had locked my checking account because they considered my redeeming my rewards activity of {$280.00} to my XXXXXXXX XXXX account suspicious activity. The transfer was made to my stash account under their name XXXX XXXX XXXX  on XX/XX/XXXX. It was sent to my correct XXXX XXXX account number and routing number. I have made several transactions to my XXXX Account since around XXXX without any issues. It is also interesting that I made more purchases than usual on my credit cards over the last three months while my household waits to receive more pandemic funding. This increase in purchases did not draw any suspicions but a rewards transfer to my XXXXXXXX XXXX account is deemed suspicious? This shows you the bias issue that Chase has with its XXXX customers. 

Since around XXXX am this morning XX/XX/XXXX, I have tried to resolve this issue. I thought everything was taken care of with the last customer service specialist. I even called to verify if it was safe for me to transfer funds to my XXXX account as well as my XXXX  account, without drawing suspicion which I did, once I got the " Okay. '' This was completed around XXXX PM. Now Chase has locked my account a second time for suspicious activity. I'm currently on a second, over XXXX hour waiting on hold, while I file this complaint. The current time is now XXXX PM. I have not eating lunch and I'm starting to feel light-headed.
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Army and Air Force Exchange Service (IN)

Army Exchange PX allowed my son who I have full Guardianship of get an Military Exchange PX Card. Now the bill is XXXX and they want the full amount right now! I told them and faxed to them a copy of the Guardianship that states my son is not countable for any accounts, credit cards, etc. Nor will I be held responsible either. My son got this card couple months right after I got the Guardianship. Army Exchange PX Military Star Card needs to take this off his credit reports and stop all form of contacting and threatening measures right now!!!!!
Consumer complaint received 2023-01-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( XXXX ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

XXXX XXXX XXXX XXXX XXXX notified me on XXXX XXXX that my recently deceased husband had a policy with them and Wells Fargo Bank was the custodial beneficiary. The insurance company told me that they can not process the claim unless Wells Fargo contacts them. I have spent many hours talking to many people at Wells Fargo to no avail. Nobody at Wells Fargo has been able to tell me anything they just keep referring me to somebody else who has no information. On XXXX XXXX I received a letter from Wells Fargo Mortgage Company giving me the payoff amount for my home mortgage. I called Wells Fargo ( again ) and asked who had requested this information. They said they did not know but they thought it may have been the insurance company and I should call them. I called XXXX XXXX and they said the claim forms they sent to Wells Fargo had been returned unopened. This whole business makes no sense to me and has caused a tremendous amount of XXXX that I dont need after just losing my husband of XXXX  years. SOMEBODY at Wells Fargo must surely be able to resolve this situation. I will be most grateful for any help this complaint generates.
Consumer complaint received 2021-12-21
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: CARMEL FINANCIAL CORPORATION, INC. (NJ)

Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. 
Carmel Finan received the last dispute letter on XX/XX/20 reporting to XXXX.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IN)

This account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.
Consumer complaint received 2019-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NJ)

This is a consecutive time that I am already filling a complaint about the same issue. Discover is willfully and negligently not complying pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. My account has been closed under false pretenses. I began to dispute an unlawful inquiry made by Discover. Discover was the one who committed fraud and identity theft when pulling my social security and using my open end credit plan to open my credit card account. Near two years later, I found this violation of identity theft and fraud. My identity was stolen and then a finance charge was made to do the paperwork for opening my credit card equal to the amount of credit that was extended. I already requested paperwork to show the original creditor of the transaction, which is me. My credit gives Discover 's corporation life. The request for this information was covered up with documents that had nothing to do with my request. Discover knows that they are in the wrong here, and I as a natural person and consumer am protected by Congress and the laws under the Consumer Protection. In addition to this violation, Discover is wrongly attempting to collect the remaining balance on the account that was closed. Pursuant to 15 U.S. Code 1692, Discover is misrepresenting me as the consumer and using abusive debt collection practices to collect the remaining balance on my account.
Consumer complaint received 2021-12-21
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. (DC)

I am seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in banking and get a mortgage and these accounts are hindering my chances. Please correct immediately