davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I tired to pay my vehicle off through US Bank online bill pay. They indicated the creditor XXXX XXXX will only accept paper checks. This is not accurate based on my conversation with XXXX XXXX. 

US Bank indicated they mailed check number XXXX to XXXX XXXX on XXXX for arrival on XXXX. XXXX XXXX has no record of the check and US bank can not give me an answer where my check and funds are.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Pertaining to 15usc1692 the company have been violating my rights and issuing a debt out to me that i dont owe. Also i contact them and place a cease & desist order for them to stop contacting me and they continued to do so by sending me emails about a debt i dont owe and a closed account. They have violated my rights multiple times
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

REQUEST FOR YEARS MY FREE ANUAL CREDIT REPORT FROM EQUIFAX, THEY REFUSED INSTEAD REQUEST A MONTLY PAYMENT TO GET ACCES TO MY CREDIT REPORT.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX. I randomly pulled my credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there was no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. 
I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, they items must be removed. 

These are listed on my Equifax Credit Report. 

The unverified inquires are listed below : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The fair resolution would be to PLEASE remove items that were not authorized and verified. Thank you!
Consumer complaint received 2021-01-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CarMax, Inc. (FL)

I the consumer, original creditor, and natural person has been abused by CARMAX AUTO FINANCE has been in attempt to collect on an alleged debt. Pursuant 15 USC 1692e ( 11 ) During initial communication CARMAX AUTO FINANCE did not disclose that it was an attempt to collect a debt. CARMAX AUTO FINANCE has violated Fair Debt Collection Practices act 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692cl ( l ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692j ( a ). Using deceptive forms 15 USC 1692j ( a ) in order to collect on debt from the original creditor 15 USC 1602 ( g ) during the consumer credit transaction 15 USC 1602 ( i ) their has been an unauthorized use of my credit card since I'm not benefiting from the consumer credit transaction 15 USC 1602 ( p ) which is a violation which leaves CARMAX AUTO FINANCE criminal liable for willful and knowing Truth In Lending Act. I the consumer, original creditor, and natural person never received these things pursuant 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

CARMAX AUTO FINANCE has not rebutted my affidavits of truth which stands as truth in commerce.
Consumer complaint received 2021-09-15
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2024-05-02
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (UT)

I attended XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. I XXXX  in XXXX. During my time there I dealt with probably XXXX different loan officers, it would change if quarter. I qualified for numerous grants but they kept making me take on federal loans to help pay. They told me it would be XXXX for XXXX, I qualified for over XXXX in grants but when I XXXX  had over XXXX in student loans. My last year they told me I cant qualify for anymore federal loans so they made me pay out of pocket {$8000.00} or they wouldnt let me finish school and XXXX. My private loan says it was discharged in XXXX of XXXX but I dont knowing they would make me get a private loan when I qualified for federal loans when I started school. It doesnt make any sense. I have paid over XXXX on that private loan and have been charged {$11000.00} in interest and still have over XXXX to pay. My federal loans have just been forgiven under Biden because XXXX XXXX have been charge with illegal actions but I still have the private loan with Navient that I have to pay on. I think this private loan should be forgiven and I should be paid back the money since I was forced into getting this loan from XXXX  and the rug have already been charged with illegal actions.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

XX/XX/XXXX : {$7300.00} - This is saying that the last activity was XX/XX/XXXX, when in XX/XX/XXXX I was 30 days late and they keep reporting like it's an active account as late when it's supposed to be a collection. 

XX/XX/XXXX : {$7300.00} - This looks like a double of the XX/XX/XXXX, the same exact amount and showing last activity as XX/XX/XXXX when it shouldn't because it's showing 30 days late in XX/XX/XXXX and it should be filed as a collection. 

XX/XX/XXXX : {$3400.00} - This is showing 30 days late in XX/XX/XXXX, but they are reporting as late payments and not reporting as a collection. Should this still be on my credit report? 

XX/XX/XXXX : {$2400.00} - This is showing 30 days late in XX/XX/XXXX, but they are reporting as late payments and not reporting as a collection. Should this still be on my credit report?
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (VA)

To Whom It May Concern : I closed my account with XXXX on XX/XX/XXXX. When I first canceled the account XXXX did tell me that if the new homeowners did not pick up service, I may be charged {$700.00} for the equipment. For several months I was careful to watch for additional charges but there were none. I heard nothing more from XXXX, paid my final bill and assumed the matter was finished. 

In XX/XX/XXXX I began receiving calls from a collection agency, XXXX XXXX XXXX XXXX, XXXX TX. On XX/XX/XXXX I spoke to XXXX. She informed me that XXXX forced a vendor to buy back equipment from my XXXX account because I had only had my service for one year. XXXX never attempted to reach me to buy back my equipment. No other service attempted to reach to me to buy back my equipment. XXXX said that my equipment was put in by a company no longer in business - " XXXX XXXX XXXX ''. That " XXXX XXXX XXXX '' had been merged with a company called " XXXX XXXX '', and that both had been purchased by XXXX. Now, neither business exists but my " debt '' is to XXXX XXXX. 

I told XXXX no one had attempted to contact me, and that I was not familiar with XXXX XXXX XXXX, XXXX XXXX, OR XXXX Representatives. I told her if I actually owe someone, I'd like to speak to them personally. She stated that it was now against the law for me to speak to them personally because it was in collections. She said they must have tried to reach me at my old address and this is why I never received any notice. However, my mail was forwarded from that address. So that did not make sense either. 

She stated that they had agreed to settle my debt for 75 % of the original cost and now I only owe $ XXXX. I stated that's odd, the debt has increased, however, if I do owe this, I would be willing to possibly negotiate to 50 %. She left the phone, came back and said that they were willing to drop it to $ XXXX. I said, how would I pay that. She said we except Visa, XXXX, XXXX XXXX, and XXXX. I said, I would like to pay by check, to which she said, I was able to do that, but if I did it would be at the higher amount of over {$1000.00}. 

I called XXXX. They assured me that my account with them was clear. I owe nothing. They also sent me a letter stating that my account is in good standing and my balance is {$0.00}. 

The collection agency did threaten to hurt my credit, which today has a FICO score of XXXX. 

Please advise. 

Warm regards, XXXX XXXX
Consumer complaint received 2021-09-15
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 45 days. Please remove these items that were originally disputed on the date above from my credit report.
Consumer complaint received 2021-01-04
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. (PA)

On XXXX I sent a letter regarding 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-15
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: Lending Club Corp (OH)

In XXXX of 2021, I obtained via the website for LendingClub, a payoff amount for an installment loan. The payoff amount quoted was {$15000.00} and was paid in full, on XX/XX/2021. 

In XXXX of 2021, I received an email stating I was 74 days past due for an amount of {$1300.00}. I immediately called and spoke with multiple representatives, who initially refused to provide me with account information, as there was allegedly a POA in place. However, that POA had been removed less than 30 days after it had been initiated, in XXXX of the year prior. 

After several weeks, the investigation concluded that I did not have the appropriate information available to me, to know there was a remaining balance, when I'd been provided a payoff amount, via the LendingClub website and that I should have been notified BEFORE I was 74 days past due. The result of their investigation was to report a 30 days past due and a paid in full status.

This resolution is unacceptable for multiple reasons.

1. I was never late. I paid the entire account balance in XXXX. 
2. It took more than 4 months to notify me that there was a balance, and I received it ONLY after derogatory information was erroneously reported to the credit bureaus.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XXXX XXXX to end date. I received statement with {$6500.00} overdraft from my account. I reported Bank of America about that she I don't remember her name ask me about the dates were took it the money and she told had been cancelled my card and she reported everything the money was took it from me.XXXX {$1000.00} XXXX {$1000.00}, XX/XX/20 {$1000.00}, XX/XX/20 $ XXXX {$1000.00} than XX/XX/20 took me 10 times of {$100.00} was another {$1000.00}. Last XX/XX/20 {$500.00}. Total took {$6500.00} still paid on fees {$20.00}. My Accion I called them to report what happened. Bank of America representative told me not to do anything else had been reported to fraud department. And I'm gon na received another card for replacement.
Consumer complaint received 2020-10-04
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. (GA)

Credit reporting agency keeps reporting a fraudlent account that has not been verfied correctly.I have also filed a indentity affadavit with the ftc on the fraudlent account. The account is XXXX XXXX in the amount of {$560.00}
Consumer complaint received 2021-01-04
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)

RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS XXXX  COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND MACYS HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK MACYS TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.
Consumer complaint received 2021-01-04
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)

RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS XXXX  COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND XXXX  HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK XXXX  TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.
Consumer complaint received 2021-01-04
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. (NJ)

I sent several complaints about late payments reporting inaccurately, to XXXX, EXPERIAN, AND XXXX I was never late. 
1.XXXX XXXX , ACCOUNT # XXXX is reporting a 30 day late payment for the month of XXXX After obtaining my payment record from my online account, it clearly shows no late payments. ( please see exhibit 1 ) 2.XXXX XXXX  ACCOUNT # XXXX I have contacted XXXX XXXX XXXX by phone and via mail, stating I was never late as reported on XX/XX/XXXX and XX/XX/XXXX I requested a record of payment from the first reported late payment, I was told they don't go back that far, so how can the account be verified? this doesn't seem right
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (NJ)

XXXX XXXX XXXX falsely signed my sons name to a contract for service. 
They also NEVER mentioned at the time of initiation that I was signing up for a 36 month term. In addition, the equipment was never installed correctly or functional. I called them many times in order to terminate this contract to no avail. 

Now, they have reported this debt to Mountain Run Solutions. I have contacted MRS many times with the offer to settle this debt and they have refused due to it being new debt. They only offered threats to report this to the credit bureaus. 

I am now being treated unfairly by two institutions without any recourse. Please help. Thank you.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am a XXXX XXXX I came home after 6weeks of being on an assignment. I was going through my mail and I had letters from XXXX XXXX, XXXX XXXX, Bank of America all advising me of my status in attempts to open new accounts. I have NOT at anytime attempted to open accounts with ANY of these banks. XXXX XXXX  declined the attempt, XXXX XXXX bank required in person Identity due to the " Patriots act '' and Bank Of America opened the account and even sent a bank ATM card to my address with instructions for activation. There was a balance established in the amount of {$600.00} on the Bank of America account. It also sounded like paper checks were issued but that did not come to my mailbox like the ATM card did. I tried to contact them but they would not even talk to me unless I gave them my social security number. I am terrified that my credit is going to be damaged or impacted in a bad way. Someone is trying to steal my identity. My personal bank is XXXX XXXX XXXXXXXX XXXX. And I have contacted them. They told me about the federal trade commission. Please help me. I work too hard and have struggled to much to have some evil person rip it all out from under me with fraud and Identify theft. I attempted to upload documents but your site would not let me upload my documents. Thank you very much, XXXX XXXX.