davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CA)

I obtained an auto loan back with ALLY FINANCIAL back on XX/XX/XXXX for XXXX. The car was involved in a hit and run back in XX/XX/XXXX. I informed them of the situation. When I spoke to one of their reps, after my car insurance paid off 97 percent of the loan, they told me I would not have to pay the remainder of the loan until XXXX but please be advised it would accumulate interest. When I received phone calls from them, I was informed that I was expected to continue to keep making regular payments because I didn't have gap insurance even though I was advised different. Ally Financial harrasses me Monday through Sunday with over 10 phone calls per day. They call after hours after XXXX XXXX Monday through Friday to harrass me as well even when I speak to them and tell them I am aware there is a balance on the account and I will take care of it as soon as I can. I do not return their calls anymore because if I do, I get even more harassment phone calls from them and more letters harrassing me with letters stating notice of intent to make negative report on mu credit in which they have now did. This is why I am coming forth to have them investigated so others can have record of their tactics. I am sure they got angry that they could not reach me so they decided to try and damage my credit. Thank you, XXXX
Consumer complaint received 2021-04-10
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 XX/XX/2021 and XX/XX/2021 I sent dispute letter regarding certain collections and I have yet to receive and documentation regarding these accounts. They have failed to provide proof in a timely fashion allowed by FCRA.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

I disputed these two accounts on XX/XX/2020. i also has called them about these old accts that were past the limitation with experian and to deleted these old account that keep re -aging every month on my credit report Experian continue to tell me that its accurate without any details and proof this has been very frustrating for me to continue let them lie to me about these accounts the amount on the account is Acct:XXXX is for the amount of XXXX. 
Acct:XXXX  is for the amount of XXXX
Consumer complaint received 2018-04-10
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: ERC (IA)

1 ) These accounts, opened in XXXX and XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XXXX thru XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX  and XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved. 
It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

I bought 2 {$500.00} vanilla gift card in the XXXX store located on XXXX in XXXX back in XX/XX/2021 and I possess both cards the whole time with no one else knows the card number. However, on the same day I purchased them, there are 3 unauthorized transaction ( totaling of {$740.00} ) happened on the 2 gift cards. I was only able to find out about this fraud 2 days later when I was trying to use the card but the strip on both cards were not working. As a result, I reported this fraud to XXXX gift card as soon as I find out on XX/XX/2021 and received a confirmation email from their dispute department on XX/XX/2021. Vanilla gift card told me that they would have a resolution within 90 business days. I waited for more than 90 days and heard nothing back from them, so I called them to escalate my dispute case. However, their so called 'escalation ' ( and their only way ) to get an update is by sending an email to the dispute department. Moreover, every time I ask for an escalation, they told me to wait for 2 more business days for respond and call back if heard nothing back. I am not sure if they are sending any escalation emails at all. 

In conclusion, I gave them 6 months to resolve my case but they are doing nothing to protect me from the fraud.
Consumer complaint received 2018-04-08
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. (CA)

it take me 2 years to get my credit up to score XXXX trans union bring down to XXXX i call trans union and talk to one of person and tell them about my credit report my credit score when down to XXXX and i tell them you guys putting inaccurate information on my credit report it took them 2 weeks bring my credit score XXXX on XX/XX/XXXX i check my credit score they bring it down to XXXX again last i tell them i am going to the sue trans union putting wrong information on my credit report now i want them to bring my credit score back to XXXX or i will take some kind action
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of identity theft. I have accounts that were opened under my name which I have disputed, and XXXX, XXXX and Transunion all say the debt is validated and refuse to remove it. I have now filed a report with the FTC ( FTC Report Number XXXX ). I have provided all 3 credit reporting agencies with this report, and they have failed to remove the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As well as there are roughly 60 inquiries on each report that do not belong to me, several different names, several different addresses, several phone number and several different social security numbers showing on my report, all of which they have refused to remove.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MI)

I requested a Consumer Disclosure Report pursuant to the Fair Credit Reporting Act. They refused to provide it. Asking me to fill out an online form, again, with the same information I already provided to them. I have requested my report multiple times both by phone, mail and on their website. They are violating the Fair Credit Reporting Act by refusing to provide me a copy of the information they are keeping about me and spreading false information about me.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There were XXXX XXXX XXXX Money Orders that were deposited into my Bank of America account on XX/XX/2021 for {$500.00} each. The Deposit Slip confirms that funds will be made available XX/XX/2021. However, shortly after, I received an email from Bank of America which stated the following for each money order : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' Please note that for every check or money order deposit that is received to this account, the very same statement is used as justification for a hold, yet no deposits have ever been returned. For this case, the issuer of the money order has been called and the money order has been verified.
Consumer complaint received 2021-12-05
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)

My ex wife opened a credit card on line with my name and used the max credit Ans did not tell me until we got divorced. Ans she used my checks to pay the credit bill so bank is telling me its my problem I need to have XXXX removed it is causing a lot of problem for me. Its still with XXXXXXXX XXXX  not a collection agency. Ans account was over XXXX XXXX XXXX. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.
Consumer complaint received 2018-11-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I opened my XXXX account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was late with payments, 90, 120, and 150. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by Experian that my credit scored dropped 8 points due to late payments on my XXXX account. When I called XXXX they informed me that I was late on payments in XX/XX/XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by Experian because my credit score has not gained its 8 points back.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

On XX/XX/XXXX I was called from IQ Data International. They asked me coud they collect n a debt on an recorded line and ask me if I could pay my debt of {$250.00}. I agreed on an automated line that if I paid the debt they would remove the debt from my credit report. I have a letter attached in writing where they agreed to remove it. I looked at my credit report today and they reported the debt as a charge off and did not remove it from my credit report. I called IQ International on XX/XX/XXXX because they are reporting my debt as a charge off when that was not what my agreement was. The rep on the phone said yes they agreed to it but it can take months to remove. My FCRA rights were violated and I want this account removed from XXXX, XXXX and XXXX immediately!
Consumer complaint received 2021-04-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a notarized Affidavit to TransUnion via certified mail and have not been notified that a investigation has been started and or is in process.
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On or before XXXX XXXX, 2021, I applied for a personal loan. The lending company required that a certain amount of the loan be made for the purpose of the loan- credit card consolidation. When I checked my balance with XXXX of my Capital One card, it reflected a total balance of {$2700.00}, and I submitted the amount of the total balance on my statement {$2700.00}. The gave me a FALSE AND MISLEADING INFORMATION, on the XXXX of XXXX my total balance on my statement, was paid off in the amount mentioned. When I checked my statement after the XXXX and till XXXX, it reflected the amount of {$0.00} as my balance. On the XXXX it reflected an accrued interest and several fees amounting more than {$25.00}. HOW CAN I ACCRUE INTEREST AND FEES OF DIFFERENT TRANSACTION WHEN I PAID OFF MY WHOLE BALANCE???? So they did in fact mislead me and gave me false information. Very misleading and unethical bank practices if I might think so.
Consumer complaint received 2018-04-08
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. (NY)

I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} XXXX ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

I also understand that an investigation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2021-12-05
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. (OH)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

I also understand that an investigation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2021-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

The purpose of my complaint is to gain assistance with retrieving my funds in the amount of {$3300.00} that is currently being held by SunTrust Bank also known as Truist Financial. I hired a company named XXXX XXXX XXXX XXXX to resurface my kitchen cabinets. On XX/XX/2021, wrote a check in the amount of {$3300.00} to XXXX XXXX XXXX XXXX to get the project started. After payment, XXXX XXXX XXXX XXXX informed me SunTrust notified them informing them that some sort of fraud activity occurred and as a result, the check I wrote of {$3300.00} would not be deposited into their bank account. However, the funds were already withdrawn from my XXXX XXXX account. As I was confused about what was taking place, I visited SunTrust bank to receive clarity and ask what can be done to rectify the issue, as well as retrieve my funds. While there, SunTrust advised me that they will research the matter and that I will receive a phone call advising me of the next steps. The phone call came and there was still no resolution. As I was tired of waiting, I emailed the CEO, XXXX XXXX in XX/XX/2021 and a person by the name of XXXX contacted me to assist. XXXX advised me that in order to resolve this issue, I would need to visit my bank, XXXX XXXX, and fill out a document entitled Whole Harmless. I did what was requested and was unsuccessful as XXXX XXXX required something specific from SunTrust, which I was not privy to. I phoned XXXX to advise of the situation and have yet to receive a response. I sent a follow-up email to XXXX XXXX XXXX XX/XX/2021 and to this date, no communication has been received. At this point, I am beyond frustrated and appalled that a company like SunTrust would steal money from people and think that they will get away with it. I am attaching all email correspondence and the front/back copy of my check to support this claim. 
Thank you for your assistance.
Consumer complaint received 2018-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I Sent a certified letter to the company on XX/XX/XXXX, requesting a validation of debt. I received no response. After receiving a letter from an attorney around XX/XX/XXXX regarding XXXX XXXX, I faxed a second letter request verification of debt. I received no response from my letter, instead they send a letter to the clerk of court and a copy to me. This company has never verified this debt to me and now it sounds like they are threatening me with a court appearance.
Consumer complaint received 2021-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (MI)

I closed a account in XX/XX/2017 with XXXX balanced. A tenant moved in and opened a account with them after closing mine.Their putting her bill on me due to the mistake that was made with them not changing the account numbers.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

These 4 payments were made XXXX XXXX by chase to the following in a fraud scam without my permission through XXXX whereas I dont know these as how? 

1 ) XXXX XXXX  XXXX {$990.00} 2 ) XXXX XXXX XXXX $ XXXX 3 ) XXXX XXXX XXXX $ XXXX 4 ) XXXX XXXX XXXX  XXXX XXXX XXXX JPMorgan fictitious Nos. Look like created by XXXX in association with chase bank to defraud costumers Please investigate and refund this money and also advise me where to report this fraud to higher banking regulatory authorities.