davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I purchased XXXX life insurance policy from an insurance agent. I end up receiving XXXX separate insurance policies in the mail. When I call the guy and explain he has no interest in helping me. So I contact XXXX XXXX, which is the policy I did not authorize. They do not want to refund my money either. So I contact my bank, Bank of America and explain the situation to them. They send me a letter showing me a document from XXXX XXXX that has my name typed on a line that they are claiming is my signature, which it is not. I find it hard to believe that a bank can not see that my signature was printed and not signed by me. XXXX XXXX took XXXX payments of {$78.00} from my checking account at Bank of America. I did not request this life insurance policy from XXXX XXXX. They had no right or authorization to take money from my account. I would like a refund.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Credit Control, LLC (FL)

To whom it may concern, My XXXX XXXX was closed and sent to collections without notice - this account was opened and active since XXXX. 

I received a letter from the collections agency which I called to verify and confirm the information as I had not received any Statements from XXXX. 

I'd like to request the following information : Why was the account closed? 
Where are the last statements prior to the account closing. 
When was my last payment and what was the balance after that payment posted. 


My last payment to XXXX was XX/XX/XXXX in the amount of {$47.00}- which was the last time I received a statement. 

I have always elected for paper statements to my address and nothing has changed since XXXX. 

I have contacted both Credit Control , LLC and XXXX XXXX and both have advised they have no records of the account. ( Disputes have been made with both to no avail ) I need an immediate response or this to be completely removed from my credit! I have been requesting this information since XX/XX/XXXXXXXX XXXX XXXX  Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
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: SYNCHRONY FINANCIAL (TX)

I according with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer credit reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (AZ)

On XX/XX/XXXX I issued payment to " Chrysler Capital '' or " SantanderConsumerUSA '' in the amount of XXXX ( in one payment of XXXX on XX/XX/XXXX, and a separate payment of XXXX on XX/XX/XXXX ). The payoff amount was given to me by SantanderConsumerUSA '' and I included a letter stating " this payment is correct and satisfies the debt between '' my name and " Chrysler capital '' for the appropriate vehicle. 

Now, on XX/XX/XXXX, I have decided to sell the vehicle and found that SantanderConsumerUSA ( Chrysler Capital ) still holds a lien on my vehicle. They have told me that I owe principle payments from beyond 2 years ago, but there is nothing showing on my credit report that I've ever had an account with these folks. I haven't received any mail or contact from the lender since the payoff. Basically, I thought I had paid the debt off, and that I owned the car.

Today, I spoke to someone from Chrysler Capital who told me that I could pay {$130.00} and settle the debt, but that I really owe ~ {$700.00}. So now I'm being forced into a position to pay for a debt, subject to an agreement for total payment ( the letter that they insisted I enclose with my payment, fully satisfying the debt ), that I've already paid. The lender doesn't seem to have accurate records, nor are they reporting credit information in a timely manner. Further, the company seems " scammy '' in that when you try to pay off your note or get information about what money the company is entitled to, they simply transfer your on the phone until you give up trying to find a solution. 

I haven't been notified that I have an account open with Chrysler Capital, not even a " hey, we won't sell your info '' notice once annually. I see this company has other complaints, and I wonder if I fall within this group of poorly tracked accounts.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Mailed letters on XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (PA)

I noticed on my credit report that I had an account go into collections on XX/XX/XXXX. It is from service received for an emergency room visit on XX/XX/XXXX in the amount of {$550.00} & I have not been notified of this debt to this day. I do not remember going to the ER during this time. No phone calls were made to me or any forms of communication except reporting it on my credit report. I have had a new residence since XX/XX/XXXX which has been properly reported to the state & local post office.  Now it is on my credit report showing as a negative & derogatory account in collections. I am the one who reached out to Midwest Recovery Systems when i noticed it on my report today XX/XX/XXXX to resolve & asked politely for them to remove it from my history because to my knowledge it is past the statue of limitations of when they can try to actively pursue this debt & they refused, the response was they have 7 years. It took Midwest Recovery Systems - 6yrs. 1mo. to report this debt & i believe it is inaccurate & past the statue of limitations of which they are allowed to handle & pursue this debt. I also do not believe this debt is mine to owe regardless & they could not provide any paperwork, only the date of service.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DE)

I called and provided 15 US Code 1681b and put in a disputed asked XXXX and Experian to remove the XXXX XXXX from my report because I never provided written consent. After my dispute was entered my score dropped XXXX points. Both agencies act like they were not familiar with the code, switching my words around.
Consumer complaint received 2022-01-03
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

Harassing phone calls, sometimes 5-6 times a day if I miss a payment by even one day. Call my job, call my references. Threaten to repo my vehicle but then tell me " it's not what they really want to do ''. Now, my car has broken down three times since I bought it. First time the converter had to be replaced, second time the engine had to be replaced -- which I just found out they replaced it with an engine from a salvage yard. That was less than a year ago and now the engine is misfiring and knocking. They are giving me a hard time and telling me if I can not provide every single maintenance record that they won't fix it and on top of that keep harassing me for a payment on a car they " may total '' and telling me if I don't pay now I will get repossessed and it will " hit my credit and I'll never get another car ''. They are using intimidation to try to harass me.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

A relative who is incapacitated signed over a government issued check to pay her bills, I took over to the bank under the instructions from bank that it would be held for 5 days. Okay, went over to bank on fifth day after seeing funds are available on line, get to bank only to be told fraud department is involved to make sure check is legitimate. The bank had 5 days to determine that fact, plus I have been repeatedly told that there wasnt any problem, now theres a problem. It just seems to me Im being treated differently, when a XXXX person cashes an exceptionally large check there seems to be red flags or fraud. Dont like playing XXXX card, just seems a different standard for people of XXXX.
Consumer complaint received 2019-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2019 my partner and I attended a XXXX timeshare presentation in XXXX XXXX Nevada. I later found out that my signature had been forged to open a trial vacation club package. The forged signature was attached to a authorization of sale in the amount of {$3100.00}. I did not authorize this transaction.
Consumer complaint received 2024-02-21
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. (FL)

Good evening, This is my second attempt to fix all remarks below regarding each account. The account listed below have been linked to my credit report fraudulently. I have requested verification and validation under the laws of the FCRA and your office has failed to provide me those documents. At this time I would like to inform you that I have also contacted each company and they have also failed to verify these accounts. Regarding my last dispute your office stated that the accounts were Verified. However, who verified these accounts? 

Please see the fraud collections below Account name XXXXXXXX XXXX XXXX XXXX- Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account XXXX Account name XXXXXXXX XXXX XXXX Account XXXX Account name XXXX XXXX  XXXX  Account XXXX Account name XXXX  XXXX XXXX XXXX opened XX/XX/XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

ATTACHED IS A COPY OF MY FTC REPORT REGARDING EACH ACCOUNT!!!!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I was the victim of fraud, I request proof from XXXX XXXXXXXX XXXX which they never provided and the case went to court and I was ruled against because I had no proof, the court issued garnishment against my wages which has been deducted weekly from my salary and paid to the attorneys representing XXXX  XXXX XXXX, which is not applying it to my account and continues to report me late monthly and also an incorrect amount.
Consumer complaint received 2024-02-21
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. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a. States I have the right to dispute any information I believe to be incorrect, outdated, or unfairly reported.

15 USC 166b. States a creditor may not treat a credit card account under a consumer plan as late for any purpose.

15 USC 1692g. states the vailation of debts USC sectio 1681e ( b ) reporting agency prepares a conssumer report it shall follow procedures to assure maximum possile accuracy of the information concerning the individual account.
Consumer complaint received 2022-01-03
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX XXXX three time {$34.00} for the Insuffcient Fee. XX/XX/XXXX one time {$34.00} ..I don't know the settlement date of the bank and the merchant. The account is not enough money and it is transferred to the merchant. Then I charge the overrun fee. It feels like a scam. I want to close the overdraft function and it doesn't work. The overdraft fine is not legal. It is simply a XXXX.
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

There was unauthorized access on my account so they closed my account for 4 months telling me they are investigating it. I had to to call and email and could not get a hold of a person to discuss over the phone. They said complaints are only delt With via email. Then 4 months go by my account still locked and the money is still missing. {$600.00}. I just want my money back I would contacted My bank but I thought they were taking care of it and if there was a problem and they couldnt refund the money I thought they would give me a call or send a email. Nothing happened but a locked Account so I could not check to see what was happening.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft, these information and transactions and items are not mine or conducted by me as a consumer. 

XXXX  XXXX date XX/XX/XXXX account is wrongly reporting as late payment this account has been paid and closed. 
please delete this information and block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX XXXX COLLEGE but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Identity Theft report
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX a false statement unauthorized transaction a false statement to get money back is bank fraud to his own Bank XXXX XXXX  XXXX XXXX XXXX used to be a authorized user to my account the discover XXXX
Consumer complaint received 2019-09-12
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. (FL)

TODAYS DATE:XX/XX/ XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX This is in response to CFPB XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a police report or that ive used a credit repair company is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.