davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (FL)

I previously asked for documents regarding a repossession. Documents requested was an intent to sell, deficiency notice, as well as the receipts from the postal office proving they sent such documents. Flordia law require you to send certified, to be sure that you sent it. I received an intent to sell in the mail along with a transaction run down or payment history of the monthly payments made, and the addition of the sell of the vehicle with charges. The balance shown is not the balance reflected on my credit report. This company have violated my rights in several ways. First you neglected to provide proof that you sent such required documents. Second the deficiency notice is a printed out payment history of the account. It does not show me where you sold the vehicle and the true amount you sold it for. Third I requested that all response be made via this website only. Specifically stating do not call, email, or mail me anything, all responses through this website only. I received in the mail after your response the documents you provided online. Fourth you are inaccurately reporting an unvalidated debt, and balance on my credit reports. ONCE AGAIN DO NOT CONTACT ME VIA MAIL, EMAIL, PHONE OR ANY OTHER SOURCE OUTSIDE OF THIS WEBSITE. ALL RESPONSES IS TO BE THROUGH THIS SITE ONLY.
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX COLLECTION XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have 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 an account without my written instructions.
Consumer complaint received 2019-01-29
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX put an account in collections with Experian. This account was from XXXX XXXX XXXX XXXX for services that I never authorized or accepted. 
I had never signed any paperwork nor did they ask me before performing those services on me. I was awake and totally conscious when I had gone to XXXX XXXX XXXX XXXX. 
I have disputed this with Experian, but they are not providing me with any information showing that I authorized said charges. I called Experian and they said they have an electronic system with XXXX and they are unable to ask for proof of any sort of documentation. 
XXXX Account : XXXX
Consumer complaint received 2019-01-29
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: JPMORGAN CHASE & CO. (NV)

Disputed two transactions and provided proof of the refunds. Chase is refusing to credit my card, has charged me late fees every month - even if payment is on time. They need to credit the {$15000.00} for pending refunds.., and all the months late fees where the payments were actually made timely. I will not be making payments on any cards accounts with them until they correct.
Consumer complaint received 2019-01-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

About week ago I received promotional e-mail from Bank of America on my personal e-mail address, where they offered no-annual-fee Business Advantage Cash Rewards Mastercard credit card. 
In addition to term and condition, it stated that " This is a promotional email from Bank of America ''. 
Today I have got new email from Bank of America : Thank you for your interest in our business credit card We cant approve your request for an unsecured account at this time. However, we have another option wed like to share with you. We can reconsider your application for a business credit card account if you secure it with a Bank of America Certificate of Deposit ( CD ). To take advantage of this offer Youll need to establish a CD in the amount of the credit line you want. We require a minimum of {$1500.00} with a 12-month duration. You can do so by : Visiting a nearby financial center, or Calling our Small Business Specialty Sales associates at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern. 

As per my understanding, Bank of America misleading customers and push their business on shoulder of regular people. 

I consider their action at least as violation of privacy and creating negative effect on people credit history. Promotion e-mail or mail have to be send to preapproved people.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (MN)

I been receiving phone calls of harassment, abusive and obscene language and threats of XXXX  and XXXX  repeatedly from Diversified ADJ Service Call Center Debt Collection Representatives for a debt collection account thats fraudulent, not my account and is the result of identity theft. The following account is fraudulent, not my account and is the result of identity theft : Diversified ADJ Service, XXXX XXXX, XX/XX/2020, {$2400.00}. I am in fear of my life right from the constant threats of XXXX  and XXXX  I been receiving from representatives from Diversified ADJ Service. Diversified ADJ Service is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I opened a new checking account with fifth third bank on XX/XX/2018 with {$50.00} deposit. About a week later I check the transactions, the new account is negative {$60.00}. The two transactions were XX/XX/2018. The first transaction was for {$27.00} and the second transaction was for {$40.00}. I did not do either of these transactions. My new debit card did not arrive at my address yet. I called customer service to explain these fraudulent transactions. 

Also, the transactions were made in XXXX XXXX and XXXX XXXX XXXX. I have not been in this area of the city in months. The merchant that approved these transactions should have cameras. Were these debit or credit transactions? If pin was used, how was it activated? If credit, you can compare my signature with the thiefs signature. Fifth third sent me a letter stating they will be reversing my temporary credit of {$67.00} on XX/XX/XXXX. The bank states the card was not reported lost/stolen. How can I report card lost/stolen if I was still waiting to receive it by mail? I want my {$67.00} back into my account.
Consumer complaint received 2021-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, Capital One, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I purchased an item from XXXX using the flex pay method and set up the auto pay using my banking information. They extracted the amount and then returned it saying that my bank cancelled the payment which is untrue. I then received a notice from one of the credit report websites stating that my score had been reduced, I had been subjected to a previous incident under the same circumstances and was able to get the matter resolved when I contacted XXXX XXXX XXXX, they said I needed to write in which I disagree with because the error ( if there was one ) is their fault and I should not have to go through this process because of their fraudulent practice. The interested suddenly increased to 28.90 % which again I should have not be subjected to. I thought that XXXX was a reputable company until this incident took place. I am therefore requesting your intervention in this matter and that my credit score be restored to its ' previous value. I also want CFPB to know that I paid the full amount before contacting your agency and asked that my account be closed because I do wish to be in business with companies that do this bait and switch method of business. Thank you and I look forward to hearing from you in the future regarding this matter.
Consumer complaint received 2019-01-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (NV)

I am being charged {$260.00} from College of XXXX Nevada. This is reported on my credit and I've tried to resolve this matter in every way possible. I enrolled for 1 class, lower division and I was being over-charged for the non-resident tuition. I do live in Nevada however, I didn't realize that I needed to apply for the resident tuition. With that being said, I'm still being over charged, I had to drop the class because the tuition that I need to pay way extremely high. Once I dropped the class received a 50 % refund on tuition. After I dropped the class and all balances were updated, it showed that I had balance to pay of {$360.00}, then minus a pell grant of {$100.00} made the remanding balance of {$260.00}. The issue that I am is that from the beginning I was being over charged. I have filed an appeal with the College twice and never received a response back, I faxed and emailed it. I have email back in forth with the appeals & registrar office and have not been successful in resolving the issue.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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.
Consumer complaint received 2019-01-29
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. (NV)

Through numerous requests, I've followed the guidelines of the FCRA in requesting that Experian fulfill their mission statement and report accounts with integrity. Experian have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based,  which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Experian, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Experian have NOT verified this information and they need to be removed from my credit report.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have filed mutiple complaints against Equifax for not reporting XXXX  mortgage loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX  Mortgage resubmit the account information and XXXX did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax mutiple time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX if Equifax would return call or reply to emails from XXXX this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (WV)

On XX/XX/2021 I received a text alert informing me of a collection account in the amount of {$380.00} that appeared on my credit report. Upon viewing my credit report, Jefferson Capital Systems reported a delinquent account for XXXX XXXX. 

I NEVER received a letter from Jefferson Capital Systems nor have I received any telephone calls regarding this account. 

My mobile phone carrier has been XXXX XXXX for over three years. I have never received any communication from XXXX XXXX and I've had the same mailing address for over 12 years. 

I have Informed Delivery from the USPS.com and I am happy to provide records of my mail that has been delivered. There has been absolutely nothing from XXXX XXXX or Jefferson Capital Systems.
Consumer complaint received 2019-09-16
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. (CA)

XXXX XXXX XXXX is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.
Consumer complaint received 2022-07-12
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. (MO)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (NY)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifax credit Bureau end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (NY)

Received a letter from XXXX XXXX XXXX, XXXX. Representing Discover Bank, with enclosed Information Subpoena and Restraining Notice dated XX/XX/XXXX. Attaches are supposed Court Papers with Index No. & Firm File No. for a court that I can not find in existence. Court : District Court of the County of XXXX XXXX XXXX : XXXX Part. Staying that a judgement in said court was filed against me XX/XX/XXXX for {$8300.00}. Furthermore attached is an Exemption Notice stating that Your bank account is restrained or frozen. Which has not affected me.
Consumer complaint received 2018-02-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

on XX/XX/XXXX i spoke with someone in the escrow department of fifth third bank. After a long discussion i came to the conclusion that i would cancel my escrow account as i do not require one having a VA loan. the person i spoke with said i needed to send them a letter stating i wanted to be removed from escrow. I hand wrote a letter and faxed it to the number given to me by the person in the escrow department. On XX/XX/XXXX i called to find out the status of my escrow account, and be sure that they were closing it and sending me the balance. I was told by someone different that they did not have the fax, that it would be another 24-48 hours. So i called back on XX/XX/XXXX to check on the status, and was told again by someone different that they could not locate my letter and requested i email it to her specifically and she would resubmit it and it would take another 24-48 hours from the time she submitted it. 
Totally irritated now i called back and got someone else again, and she told me they found my fax, and they just opened the case. and it would be resolved by Monday the XX/XX/XXXX. and not to send the email as it would prolong the case. I called again to verify the case was resolved and my escrow was closed and the balance was sent to my house. I got someone else again, telling my they are waiting for a fax that i was told not to send and nobody is even looking for the fax what happened to it or wanting to resolve this issue. There are no contact information for the corporate office, so there is no way to contact anybody that might even consider helping resolve this issue. and every time i call back i get someone different and a new story. 
i want my escrow account closed, the balance sent to my home address and a new calculation for my mortgage without escrow and the coupon sent to my house. 
if they cant handle that I may be forced to take my mortgage elsewhere.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Consumer Adjustment Company Incorporated (GA)

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.
Consumer complaint received 2019-01-22
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)

The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : XXXX XXXX XXXX XXXX XXXX XXXX