davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (OH)

In 2019, I took my car to XXXX XXXX XXXX XXXX XXXX, Kansas. Due to mental illness, I can not remember the actual month and day. I took my car to this XXXX XXXX to have a tune-up performed. I was called a week later that my car was fixed. I paid the amount for repairs and began to drive the car off of the lot. Unfortunately, the car stalled in the middle of XXXX XXXX. I went back into the dealership and told them that my car stalled and would not move. two technicians pushed the car back into the lot. I was very upset and told them that since they messed my car up, then they can keep it. The worker asked me if I was surrendering the car, and I said I was. That was the last I had heard from them. About a month later, I receive a letter from the XXXX  XXXX, Missouri Police Department that my car had been impounded. I thought the letter was a prank letter, because I know I left that car with XXXX XXXX XXXX in XXXX, XXXX. No one contacted me from that dealership to let me know that they were taking the car to XXXX  XXXX. XXXX XXXX XXXX had my correct address in XXXX, so I do not know why they sent the car to Missouri.
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (NY)

Hello, I've had this loan for several years at a fixed monthly payment rate. Now approaching the final two payments, discover has decided to take it upon themselves to submit an " unauthorized '' balance payoff. This has caused other consequences with my credit union account in which the funds were withdrawn. I am appalled! My credit union suggested I contact discover and have them provide a statement declaring this was done in error in order for me not to be responsible for overdraft fees. In the meant-time a monthly payment was scheduled and authorized by me days prior. They were trying to double dip. I tried to resolve this with Discover but they refuse to be compliant. I've never experienced this in the past with discover nor my credit union. I strategically schedule payments in a timely manner at least 95 % of the time. I don't claim perfection, but when I approach the due date I sometimes pay directly on the discover website. This is how discover had access to my account information to retrieve those unauthorized funds from my account. I would appreciate if an investigation can be done. Thank you.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-09-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (PA)

I had a total loss on a XXXX XXXX XXXX due to an accident. The loan was through Wells Fargo Auto account XXXX. I check for the payoff was sent from my insurance company - XXXX  - Claim XXXX XXXX. A check was received in the Wells Fargo Auto Loss Department in XXXX AZ per Wells Fargo instructions on XX/XX/19 - XXXX XXXX tracking # XXXX in XXXX Arizona by a XXXX XXXX. 
As of today XX/XX/19 there has been no application of the check, the account is still open and accruing interest and after 5 calls, no representative can provide any answer as to why this has happened.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX  lost his job XX/XX/XXXX and is now back to work. He started XX/XX/XXXX. I applied for a mortgage modification on his behalf XX/XX/XXXX. We were informed on XX/XX/XXXX that the bank will not even look at the application. We were informed that their policy is no more than 2 modifications with in a 5 year period, and that I can not qualify for a modification until XX/XX/XXXX. 

The application was submitted by a 3rd person from a HUD  certified Housing Counseling Agency.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX XXXX is the phone number. They called me on XX/XX/2019 and tried to get me to make immediate payment on a debt that was 10 years old, and would not identify who the creditor was. I asked repeatedly that they tell me who the creditor was, and what the atual amount owed was. They continually stated that they would turn over the " judegment '' against me to XXXX County, and have XXXX XXXX block me. I did provide a prepaid debit card, which I later cancelled, and they finally backed off. I need to know If I really need to deal with this or if they are just scamming me.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Im trying to file a dispute with WAKEFIELD AND ASSOCIATES Last reported XX/XX/2019 {$1600.00} XXXX XXXX XXXX Original creditor It will not let me this is not mine.
Consumer complaint received 2019-09-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I turned over my vehicle XX/XX/2019 the dealership failed to ground car. I called several times to have a manager resolve it and no one called me back. My credit report is showing I owe money to a lease I no longer have and its being reported as a late payment.
Consumer complaint received 2019-09-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request. 

This is in response to your recent claim which you claim I have an {$0.00} charge-off Reporting as negative. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (SC)

On XX/XX/2018 I filed a complaint about this exact same claim of debt with another debt collector and it was deleted because it could not be verified. Now this company is reporting the same debt claim and never once contacted me by phone or mail. This is damaging my credit and I have placed a fraud alert on my accounts.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

This company its fraudulent they sent my bank bogus paperwork saying I authorized transactions when I file a police report and identity theft report seems like they buy info of the dark web and access accounts I never open a profile with there company .and demanding refund if my money for unauthorized transactions.
Consumer complaint received 2023-04-06
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-25
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request. 

This is in response to your recent claim which you claim I have an {$0.00} charge-off Reporting as negative. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
Consumer complaint received 2023-04-06
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

On XX/XX/2019 I purchased {$25000.00} worth of bitcoin  cash, derivative of Bitcoin. Please keep in mind I purchased this bitcoin cash solely for the purpose of sending it somewhere else since virtual currency is a supposedly a good way to send larger sums of money. Despite the fee of {$360.00}, I was glad I could get my money in and then over to where I needed it to be. Unfortunately Coinbase, the app that I was using, in which I am fully verified and established, told me my money would be on hold for 11 days! Thats right, I was unable to send it and therefore remove it from the highly volatile conditions of the crypto currency market. I already paid {$360.00} to get it there too. 10 days passed, I am writing to you on the 11th day, the day I am able to finally send my money out and where It needed to be. However, Yesterday, I lost nearly {$8000.00} of my value, In a single day it dropped % 22! I am extremely angry that my hard earned money is disappearing right before my eyes. There is no way I can cut that loss and send the money today. I have contacted the support in the Coinbase app but they seem to automated to notice me. There was no good reason to hold my money for 11 days, if I was able to send it earlier it wouldnt have been a problem. I only learned that the money was being held that long when I attempted to send it. Total I purchased {$29000.00} in bitcoin cash only to send it, not for some type of insane investment. This is evident through me sending some as it became available sooner. I was able to send {$2200.00} total because it wasnt on hold as long. The rest became available today after losing thousands in value.
Consumer complaint received 2023-04-06
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. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncomplianceXXXX 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
Consumer complaint received 2023-04-06
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account was close on 2016 It was cancelled by me from a Capital One Company. This is my 4th time trying to dispute this Credit Card from my Credit. They not removing it or they dont want to, but I want them to understand it have been more than 2 years already on my Credit and I closed it. I dont own nothing either so whats the problem?.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a call about a year ago from this company called Portfolio Recovery asking for someone NOT ME!!!. I said to the gentleman " I am not that person " to this day every day without fail I still receive a phone calls everyday from this company. I try to ignore them and report them as spam but they still call under a different area code and different number but the same name Portfolio Recovery. I do not owe anyone a dime in my life. I pay off my credit cards every end of the month in full payment. I pay all my bills. I have a credit score of XXXX and I have never had ask anyone for money Thanks be to XXXX. 
Anyway, I have told these people on more than one occasion that I am not the person they are looking for and they still continue to harass me. Please make it STOP. 
Thank you, Sincerely, XXXX XXXX
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Respected Sir/Madam, I am very well customer of Bank of America since XXXX. I have student checking account with them. On XX/XX/XXXX ( Friday ), i noticed that somebody used my debit card details and made transaction of {$2500.00} and {$500.00}. As soon as i got this details, i called customer representative and told them this transaction is not made by me. At that time, she told me that transaction in under process state, as soon as they deduct they will file claim for it. i was ok with that. Than i suddenly noticed that, on XX/XX/XXXX XXXX Saturday ), There were more three transaction made of {$100.00} with the same details. I called customer representative and told them this transaction is not also made by me. So, he file claim for that as well ( total claim money {$3300.00} ). And i requested for issue new debit card because some was using my debit card details. After one week, i got letter from bank of america indicating that my claim is denied and they think this transactions are made by me. But i did not make a single transaction of that. I am very worried about my money because i have to pay tuition fees as well. please kindly help me in this situation. 

Thank you
Consumer complaint received 2023-04-06
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.
Consumer complaint received 2019-05-02
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. (CA)

First of all Transunion put a collection on my credit report which I have disputed twice. The biggest issue too is that the so called company XXXX XXXX has never contacted me, never sent me anything to dispute before they put on my credit card and has never responded in 6 months to verify. Yet Transunion verifies this type of fraud and does not actually investigate. 

here is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with Transunion and I sent 3 letters of validation to this unknown company. I have never done business with XXXX XXXX or loan by phone. This company has never called me and never responded to any letter after over 6 months. Transunion I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. Transunion is also at fault for having no information on this company or correctly validating any of this information. XXXX XXXX is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. Transunion is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay XXXX XXXX anything I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

On my experian and XXXX report, there is an error stating that I have an open account in collections and that it was " paid less than full balance '' and I paid in " full balance ''. This does not show on my XXXX report however. I contacted XXXX XXXX  and they also informed me that they contacted the merchants to have it removed. 

This is error is causing me a great deal of stress in regards to obtaining a home loan through the veterans affairs ( it showing that I have series delinquency spanning two plues years ) XXXX did not help me one bit and at this point I feel like I'm wasting my time with them. Furthermore, XXXX also has my birth year listed as XXXX when my actual birth year is XXXX.