davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
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: Fidelity National Information Services, Inc. (FNIS) (GA)

Closed an account from XXXX XXXX  with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local XXXX XXXX XXXX branch and the cashiers check I had didn't deposit until about 90 days, XXXX XXXX XXXX requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX  ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as XXXX XXXX XXXX implied. XXXX  XXXX XXXX closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a fraud.
Consumer complaint received 2023-02-28
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2019-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

DYCK O'NEAL, In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Consumer complaint received 2019-10-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (FL)

Hi, recently I have completed paying my lease with VW Credit. Per my turn in settlement invoice, I have excess mileage that resulted in an invoice of {$12000.00}. VW Credit is asking me to pay this amount in full, however I advised them via email ( see below excerpt ) as to my financial situation and their response was for me to call them to discuss Original Inquiry on XX/XX/2019 XXXX XXXX  CST : Good Day, I am in receipt of the turn-In Settlement invoice for {$12000.00} asking for payment in full. Unfortunately, I do not have the ability to pay this amount in 1 lump sum. My original plan was to purchase the car upon lease completion, however, the local VW dealership was unable to get my application approved without a substantial down payment. Unfortunately, because I needed a car, I purchase another vehicle and opted to turn in the XXXX. This has put somewhat of a strain on my finances. At the present time, I can offer to pay {$150.00} per month until the debt is paid in full. In the event my financial circumstances change, I will pay more or pay the debt off much sooner. Please send written correspondence with your reply to my mailing address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX Sincerely ; XXXX XXXX Subsequently, I called VW Credit on XX/XX/19and advised of the same. I was advised that they will only take {$400.00} per month instead of my offer of {$200.00}. I advised the representative that I initially tried buying this car but was unable because the few banks that approved me for financing wanted a very large lump sum down payment which I do not have. The end result is I had to buy another vehicle which puts more of a strain on me financially. Lastly, although the rep told me they don't offer payment plans of {$200.00} per month, I advised them I just recently paid off a prior loan ( similar situation ) however they still refused and threatened to place my account with a 3rd part collection agency. I value my credit and have worked very hard to build it to where it is today.
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (AZ)

I let the company know about how I tried to make payments back in XX/XX/2022 but was not able to due to the company crashing. I also gave them multiple phone calls to pay my payments but was never spoken to anyone due to high demand calls. I was repeatedly hung up, redirected or never directed to anyone in the company to make a payment during any of this time period from XXXX XXXX XXXX of XXXX It wasnt until XXXX where they were supposed to put me on a payment plan of only charging me XXXX XXXX  for 3 months to erase the late charges they accused me of but once I called back in XXXX they mistakenly never put me on a payment plan. So now they have me on a new plan with another charge of XXXX XXXX plus the late fee charges.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

I received a collection notice about an apartment debt owed for {$3400.00} in XX/XX/2022. When I contacted Rent Recovery XX/XX/2022, they were unable to locate me in the system using my SSN, phone number, address, or id number.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Hello i received a notice that my account was gon na be a XXXX spending limit and i wasn't happy about it and i was a victim of identity theft and american express dont give a XXXX about and this is my second compliant i flied because i didnt get a phone call from the higher office and i cancel the card due to them not looking into restore my pre set spending limit and i called again they told me they couldn't restore my account due to my score is low and its at XXXX which is incorrect and my information was stolen and i send the documents over to the credit dept and my bank statements and my tax returns and i recived a phone call from the credit dept and saying they got the paperwork and they told me they will get back to me in few days to restore my account and i still havent heard from them and i did provide them my identity theft report and they also received that to all of this on XX/XX/2018 they called me on XXXX and told me that my account will be restored in few week i dont know if this a lie or what and each time i reapply they dont put a inquiry on it just pull a old experian report and my score went up by 46 points as of XX/XX/2018 i want american express to look into it
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (OH)

This company is fraudulently attempting to collect that is not owed. They are stating I owe XXXX XXXX XXXX {$75.00} and my account was referred to them. the closes amount I owed to the amount they are asking for was {$72.00} and I paid it at least two weeks before I received the letter and more than 1/2 that amount would be for the current bill. That is due either on the XXXX or XXXX of this month. The name of the company is LJ Ross Associates XXXX XXXX XXXX, XXXX, MI XXXX, ph XXXX, web site : XXXX their account # XXXX
Consumer complaint received 2018-07-03
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. (GA)

XXXX XXXX XXXX reported incorrect information on my credit report. Reported it as surrendered and late payment. This is not True. I call them and they said they did not do it but Experian said they had too. 

I have documents showing that I have never miss a payment and that the loan is still open
Consumer complaint received 2019-10-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2019 fraudulent charges were made on my Bank of America credit card. Several different charges and different amounts were made, all of them to XXXX XXXX. Halfway thru the charges being done it was flagged as fraud due to the large amount. I spoke with the company and confirmed it was fraudulent and they took immediate action. Unfortunately this caused further confusion on the account as some charges went thru, some did not, and then on top of it XXXX XXXX refunded some of the charges. It appeared that our account went up approximately {$4000.00} dollars before the claim was handled and credited. On XX/XX/XXXX we received correspondence from the credit card company that the merchant had credited us for {$1900.00} so they were going to reverse the credit they gave us. We then received a second correspondence on XX/XX/XXXX that they had completed their investigation and it was considered closed. On XX/XX/2019 they added {$4300.00} onto our credit card balance stating that they had double credited us in XX/XX/XXXXand added back interest as well as other fees onto our account. Since the claim was already closed how are they able to still claim we were double credited? I could not find evidence that we were double credited and even if we were why are we being punished for their mistake through the fees and interest?
Consumer complaint received 2022-12-03
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. (GA)

Ive reached out to each credit bureau XXXX, XXXX and a Transunion regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX Bank was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXX Bank back in 2021 they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXX Bank had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXX Bank to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXX Bank should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXX Bank, XXXX, Transunion and XXXX liable for punitive charges. Also, I would like for XXXX XXXX Bank to provide me with the agreement stating I have them permission to share my personal information with Transunion, XXXX and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELLING SOURCE, LLC (TX)

I have received my XXXX XXXX report and see that XXXX XXXX has pulled my report multiple time without my consent, I have never applied for any of these companies. 1. XXXX XXXX
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1961 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RCVL PER MNG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been  notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any  consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RCVL PER MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXXXXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1961 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-17
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. (MD)

Last year I moved from XXXX XXXX to XXXX I registered my car motor vehicle department ask me the title for the car ask my XXXX XXXX XXXX to send a title to the XXXX  Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of XXXX   my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask XXXX to send them one year before I called XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending titles and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV XXXX XXXX when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can half payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving they also also inform the XXXX experian about my late statement anyhow I call Experian and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb too bad they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am not getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report experian is not willing to resolve my case because they always listen what XXXX is saying and even though i provided the documentary proof for extension still they are believing what XXXX is saying when I call them back and ask them like why you are not resolving and they said like XXXX are more trust worthy company than me they keep playing with my life still
Consumer complaint received 2019-10-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

Applied to change from IBR/IDR to fixed payment in XX/XX/2019. Application was accepted in XXXX, and was not fully processed until XX/XX/2019. The processing is to take 90 days or less. Mine took six months to process and my credit report shows missed payments for XXXX, XXXX, and XX/XX/2019. When I did in fact pay all payments that were due and an additional payment that was not required. The reported missing payments took my credit score from a XXXX to XXXX. 

I have contacted fed loan on three separate occasions to get assistance with errors in credit reporting. The most recent time I was told to fill out a credit dispute form because my application should have been processed by the end of XXXX. Instead it took three more months.

This resulted in fed loan reporting that I made no payment and was not deferred because the application was processing. Credit reporting agencies took that as 3 missed payments on 6 loans. Its being reported that I 18 missed loan payments when I did not miss any payments. Fed Loan was processing my application. 

I have no control over how long fed loan and their employees take to process applications. I got caught up in their inefficient and slow processing. I am being penalized for the delayed processing of fed loan. Are they not accountable for reasonable processing times, and correctly reporting to credit agencies while processing? 

I would like for fed loan to accurately report the standing of my loans for 2019. I used to pay {$0.00} per month, now I pay {$420.00} per month. All I wanted to do was get on track to pay off my loans. Fed loan took six months to update my payment costing my credit score 63 points.
Consumer complaint received 2018-07-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (PA)

We filed BK XX/XX/XXXX. We listed three mortgages held by TD Bank. For five years plus they did nothing with these loans. Now, some five and a half years later, they decide to start foreclosing. ( Interestingly as the market place has improved ). 
I now receive demand letters from the attorneys at XXXX XXXX XXXX ( a XXXX law firm ) representing the bank. I have sheriffs knocking on my door at XXXX in the XXXX   delivering demand letters and notices. I've had complaints and threats of fines from municipalities for code compliance infractions ( primarily the XXXX, PA municipality ). I receive a barrage of mail ( as recently as this past weekend of XX/XX/XXXX ) from the bank and attorney claiming {$170.00}, XXXX is owed on these properties. 
The very first page in the BK filing under the heading " Creditors May Not Take Certain Actions '' it clearly states the creditor must refrain from arbitrarily contacting the debtor. They have been and are in violation of my rights availed me through my plan. 
TD Bank had five years to file the proper notifications during the BK period to acquire a relief of stay. They did not. Now, that is suits their financial needs, they desire to take the properties. 
I want the notices, the letters, the sheriff visits to stop! 
TD Bank and the Trustee in the BK didn't see any value in these properties when they were listed in the BK. Now, I don't think they should have the right to harass me for them.
Consumer complaint received 2018-08-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

In XX/XX/XXXX a company name XXXX XXXX XXXX XXXX reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX XXXX XXXX. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.