davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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: CCS Financial Services, Inc. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( or ) XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Original Creditor : XXXX XXXX XXXX/ Credit Collection Services XXXX : XXXX XXXX XXXX, XXXX , MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX File Number : XXXX Pin Number : XXXX Dear XXXX, XXXX, XXXX, and XXXX XXXX XXXX/ Credit Collection Services , I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX Credit Collection Services, with file numbeXXXX XXXX and an alleged amount owed balance of {$260.00}. I want to inform you that I have never conducted any business with XXXX XXXX XXXX, and receiving this information in the mail is extremely concerning. 

According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It is important to note that this account is only reported on XXXX and not on XXXX or XXXX, which raises a significant discrepancy between the credit bureaus. This inaccurate reporting is adversely impacting my reputation, character, and ability to qualify for new credit. As a consumer, I am entitled to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

The Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when you receive notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. It is your responsibility to cease providing inaccurate information to any CRAs and to ensure that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I have attached documentation below that clearly shows my insurance provider during the period of XX/XX/XXXX. It is perplexing why there would be two car insurance policies associated with my name. Furthermore, I believe that the furnisher of this information, XXXX XXXX Company/ Credit Collection Services XXXX as well as XXXX as the credit bureau XXXX are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have a business checking account in Wells Fargo. 

It looks like someone hacked my business bank account and made a direct wire payment of {$24000.00} to three people that I never recognized on XX/XX/2021. 
I immediately reported to the customer service on the same day around XXXX but he told me to leave a message to the claim department because the claim department is closed. So I left a message and called in early morning the next day and made a claim on XX/XX/2021. 
I received the first response from Wells Fargo around XX/XX/XXXX that they denied my claim because my ID and Password were used to make this transaction. I reclaimed again and provided a police report and Federal Identity Theft report to inform that my ID and Password got stolen by somehow. However, my claim was denied again in XX/XX/2021. Now, they don't allow me to appeal and forced to close my case. 
Even though their IP record shows that someone logged in my account from 4 different states, DC, TX, FL, and WI recently and my contact number was changed to the number that I never recognize, they still don't take my case as a fraud.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (AL)

Fortiva changed my retail card into a credit card without my authorization. They sent and email that I didnt opt out of. I deleted thinking it was junk but in no way agreed to a credit card. It now shows up in my credit report as a new account. I feel like this is fraudulent. Dont consumers have to agree to a credit card? What are my rights?
Consumer complaint received 2022-01-25
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 (NY)

I have paid my balance in full every month since I received my Capital One ( Venture/Quicksilver ) cards. In the past year-They have now started taking weeks to process the payments and then claim that the payment is late and charge fraudulent late fees and interest. I have called them numerous times to correct the issue-which they have always done in the past. When I called yet again today-I was told that they would no longer be able to refund the late fees & interest charges. I promptly closed both accounts.
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (MD)

Received multiple communications from RSI Enterprises IncXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX They keep sending threatening letters to my XXXX XXXX  son who is clearly a XXXX. We do not recognize the debt they are trying to collect ( {$160.00} ) and we have disputed it and told them that they are trying to collect from a minor. They continue to send harassing letters nonetheless - the last one of which is dated XX/XX/2023. 

Please get them to stop harassing my son.
Consumer complaint received 2022-01-25
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)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-01-25
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. (GA)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RashCurtis & Associates have agreed to delete their account from my credit back in XXXX 2021. Please see the attachment OR see the results to my previous claim with the CFPB. XXXX is the ONLY bureau to not have updated this information yet. XXXX needs to delete RashCurtis from my credit reporting asap! I have attached a copy of my XXXX report as proof as well.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

ACCOUNT WAS PAID IN FULL TO ORIGINAL CREDITOR. 3RD PART COLLECTION AGENCY SOUTHWEST CREDIT SYSTEMS PLACED NEGATIVE REPORTING THAT A BALANCE IS STILL OWED WHICH APPEAR TO BE INTEREST OR PENALTY. I HAVE WRITTEN THEM & CONTACTED THEM MORE THAN TWICE WITH NO RESOLVE.
Consumer complaint received 2018-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My first dispute letter was sent XX/XX/XXXX. My second letter was sent XX/XX/XXXX according to my mailing receipts. 

Bank of American continues to report negative inaccurate information to my credit report. 

After the first letter, BOA updated accounts to verified as accurate but ALL debts are paid off. BOA has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, BOA sent a letter stating BOA is attempting to collect a debt. 
Bank of America has not provided valid documentation of debts owed. 
This information is inaccurate. 
Bank of America is now in violation of the FCRA and continues to be in noncompliance.
Consumer complaint received 2017-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with Transunion, XXXX and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

I became wary that the collection agency, Waypoint Resource Group, was saying I had a debt to XXXX XXXX from an address in XXXX  XXXX, TX, a place I have never lived. When I call them they ask me to make a police report. I ask them how can I do that for a city I've never lived in and do not live close to ( would police even bother with something like this? )? 

It's crazy because anyone can see in my credit report where I've lived for many years back and none of the addresses were in XXXX  XXXX. I've been trying to fight this for years and sent details to all 3 credit agencies. XXXX agreed with me and deleted this from my report but XXXX and XXXX didn't. I'm really frustrated and have no idea how to address this problem. I've worked very hard to have good credit and my situation is just crazy.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

I received letter from American coradius international llc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} This is not my debt I never used this one. 
Account # XXXX Reference XXXX XXXXXXXX
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: DriveTime (PA)

DT Credit You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MT)

On XX/XX/XXXX I traded in a XXXX XXXX XXXX van at XXXX XXXX Dealer. The XXXX dealership sent a check to Chrysler Capital to pay off the loan on the XXXX of XXXX. Chrysler Capital signed for the check on XXXX of XX/XX/XXXX, see attachment 1. 

On XX/XX/XXXX Chrysler Capital took a payment of {$540.00} out of my checking account for the van. I made about 15 to 20 calls to Chrysler Capital to get this resolved with no help. Yesterday I received a letter, see Attch 2, It states that they did not consider it paid in full until XX/XX/XXXX. 

Yesterday I also received a check from Chrysler Capital, see Attach 3, for {$270.00}. 

The problem I have with this is they received the payoff check 5 days before my payment was due but took them 27 days to consider it paid off. I should have received a check from them for {$540.00}, that is the amount they took out of my account after they received the pay off check. Instead the check was {$260.00} short of what the owe me. 

Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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: BARCLAYS BANK DELAWARE (MA)

I was charged {$480.00} for a Dinner Cruise while on vacation in XXXX, SC. The dinner cruise was suppose to take place on XX/XX/XXXX. This was booked through XXXX XXXX XXXX, and the vendor was XXXX XXXX Cruises. Due to high winds the vendor canceled the cruise. Despite repeated requests a refund has not been issued. 

On XX/XX/XXXX I contacted my credit card company, in response to a letter dated XX/XX/XXXX they sent to me, and stated the service was never provided. They requested proof, which I provided consisting of a letter dated XX/XX/XXXX and a copy of the email from XXXX XXXX XXXX cancelling the cruise. I also called the credit card company verbally informing them of these facts. 

On XX/XX/XXXX I received another letter from the credit card company stating they again wanted what I had already sent them, and also stating the merchant had refused the request for a refund and it would be put back on my credit card.
Consumer complaint received 2024-02-12
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. (GA)

I am writing to formally refile a complaint regarding serious inaccuracies present in my EXPERIAN credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my EXPERIAN credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge EXPERIAN to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

TD bank posted late fee on my account despite mailing payment in on time. I am never late. As soon as I saw the late fee I made a payment directly at the branch on XXXX XXXX in XXXX. I called and they refused to reverse the late fee. This all happened today - XX/XX/2018. I am concerned they are holding payments and not posting them to force consumers to accrue late fees. Given my impeccable payment history, I am disgusted that they would not waive the late fee.
Consumer complaint received 2022-11-30
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (NY)

Every day multiple calls for months They have called my parents and my job, I am extremely mad at the disrespect and I will not give them a cent. They have harassed me with my employment and lawyers. 
Yes message solely intended here for a one XXXX her nail XXXX this is XXXX calling with Atlantic recovery solutions I'm actually just trying to follow up with you here regarding your XXXX  account at this point my client is ready to move forward him they wan na statement on file in order to address the lunch claim unfortunately due to lack of communication I do have to report this back to my client and they are going to be scheduling a verification of employment if you or your attorney can give me a call back directly here XXXX before my client contacts to XXXX XXXX XXXX my direct number you can reach me at area code XXXX extension XXXX  again that is XXXX to refer to case number XXXX if I do fail to hear back from you I wish you the best of luck
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NJ)

Account has been paid of in full years ago. My wife made a complaint against this company regarding inaccurately reporting info on our credit reports. The company was removed from my wife 's credit reports through the credit bureaus but it was removed from my credit report. The account was a joint account with both names, XXXX XXXX and XXXX XXXX. Please remove from account.
Consumer complaint received 2022-01-25
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.