davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sterling & Associates, LLC (GA)

XXXX XXXX XXXX used the incorrect address when filling against me for damages in court. Therefore, I had no knowledge that I had the opportunity to defend myself before a judge in the court of law. Because I was never informed of the court date, I never knew I owed them anything until Sterling Associates appeared on my credit report. I contacted the company and they in fact confirmed that my name, phone number and address was listed incorrectly. At that time Sterling Associates then made me aware of what the charges were for. Charges were to cover paint, carpet and towel rack in the bathroom. I left a {$300.00} deposit to cover the cost of paint. There were no other problems with the apartment. When I moved in the carpet was 12 years old per  management. I asked if it could be changed and they said no. So why charge me for carpet when it was already time to change it? I believe that XXXX submitted incorrect information purposely to take away my right to argue my point before the judge.
Consumer complaint received 2019-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (PA)

money never received after debit went through at Chase Bank in XXXX XXXX Ca on XX/XX/2019. Told manager XXXX XXXX and she gave me her card and told me to call my bank and made no attempt to rectify this situation and I am out {$300.00} dollars and service fee of XXXX dollars.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (KY)

Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.
Consumer complaint received 2019-09-11
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: MoneyLion Inc. (FL)

Money Lion is reporting a paid as agree a, with no late payments, as 60-90 or more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to XXXX and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and XXXX ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.
Consumer complaint received 2019-09-11
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)

XXXX XXXX is reporting a paid as agree a, with no late payments, as 60-90 or more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to XXXX and Trans Union and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( Trans Union and XXXX ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (MO)

This debt appeared on my credit report. No information ha been received as for the debt, it was previously reported for XXXX with another collection and it was verified - is a nee company Franklin collection has not informed of debt on my credit.. no written documentation or bill.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

My name is XXXX XXXX. I had XXXX for almost 20 years. When I got married my wife asked me to get red of my old number to eleminate any issues with past relationships. I did and it the same time she added me to her accound. At that point I had to pay the pro-rata amount of the monthly remaining balance. I had a call from XXXX and aggreed to pay the {$35.00} that was accrued. Because my line was changed and address was changed I did not have any contact with them for anout 3 months. Next thing I knew they send me to collection with {$330.00}. I disputed it but I couldn't get it out of my record.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX, I pulled my credit report and found an account I thought was closed has been reporting none payment each month to the credit bureau 's. I paid off this account in XX/XX/XXXX. 

I have not received any invoices, letters or calls from Bank of America since I paid off this balance in XX/XX/XXXX and asked they close they account. 

I called Bank of America in XX/XX/XXXX to ask about the closed account balance and was told the balance was due to " fees ''. I asked for a detailed accounting and explanation of the " fees '' and have not received anything. 

Mailed a good faith pay to delete letter on or about XX/XX/XXXX via certified mail with a 15 day response time or the offer expired and no response. 

I have disputed this account with all three credit bureaus as it is an unverified account and the credit bureaus responded with the account has been verified and the balance was reduced. However, I still not not have any information to prove the validity of the amount.
Consumer complaint received 2019-01-16
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. (IN)

Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my Transunion  and XXXX  credit reports immediately.
Consumer complaint received 2019-09-11
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. (FL)

XXXX XXXX is reporting a paid as agree a, with no late payments, as 60-90 or  more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to Equifax and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and Equifax ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC. (CO)

I fell behind on credit card payments for my Kay Jewlers account, it was placed in collections. I do recall getting a notice however I do not recall getting any notification that I would be sued for this amount. MY sister received a call stating I would be sued for debt owed the person who called her was named " XXXX '' my understanding is this is illegal for them to discuss my debts with someone other than myself. I called the phone number given ( XXXX ) and was given a case number of XXXX. After being told this company doesn't place outgoing calls ( doesn't make any sense at all ) they connected me with another lady. She went over some information, several times I explained that I was very confused at what she was saying if she could explain it better. I let her know that if owed a debt, yes I would want to pay what is owed. She said I was defrauding a creditor and they made attempts to contact me about the lawsuit. Before today, I knew nothing about said lawsuit. I was then told they could possibly get this out of court if I paid in full, I stated I was not comfortable giving information over the phone and asked what the company name was she said XXXX XXXX XXXX, I did a quick XXXX search and it doesnt pop up so I asked for the address in which I was told they don't give that info out to protect employees. I told her I would need to give a call back after I look into getting a prepaid XXXX or XXXX ( she said the only forms of payment accepted ).
Consumer complaint received 2018-09-13
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. (MI)

I have disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : 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 Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 

I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being. 

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-11
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. (IA)

The following inquires on my report are not mine, they are from fraudulent applications, and they need to be removed under the FCRA, inaccurate information needs to be removed from a consumers credit file. An inquiry that is fraudulent is not a " factual record '' of file access like your canned letter states. Failure to remove will result in litigation, do you want to be like XXXX? XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX . Resubmitted complaint and will keep them being resubmitted until trans union responds with the actual outcome not a canned response
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. 
letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc.,
Consumer complaint received 2022-07-16
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. (CA)

XXXX was supposed to report to all three credit bureaus but only reported to Experian. Experian claimed to have removed XXXX from my credit report, and they did not actually remove it from my credit report. Experian has not reported ANYTHING ACCURATELY since XXXX, XXXX. Also, none of my addresses on ANY credit report are accurate, therefore it is impossible that XXXX, Experian, XXXX, and XXXX were able to dismiss my disputes in their dispute responses, if they can't prove that I lived at another address. 

XXXX XXXX and XXXX XXXX agreed for a pay-for-deletion amount of {$260.00} and agreed to report that I was able to bank with XXXX XXXX XXXX again . 
Case : # XXXX P : ( XXXX ) XXXX. 

The collection agency may not have documented the correct amount, and if not, I have sufficient evidence to prove what was said in my conversations with the scamming collection Agency that works with XXXX. 

{$260.00} was not the actual amount that was reportedly owed, {$220.00} was the actual amount. The {$40.00} extra that the collection agency asked me to pay was for deletion of the XXXX charge off from my credit report and the restoration of my XXXX account. 

11 months has passed since I first filed a complaint and still no righteous, proper, nor professional work was done. FCRA was violated multiple times with fraudulent information, and negligent behavior by XXXX, XXXX XXXX XXXX, XXXX, Experian, and XXXX. XXXX was caused by refusal to officially remove XXXX account from Credit Report. I am still receiving a message stating my account is disabled by XXXX XXXX XXXX whenever I log in to my old account. I am also banned from making any new XXXX XXXX XXXX Account. Emotional Distress, Denial of opening ALL credit union accounts due to XXXX 's false updating, and negligence of completing a full investigation are all violations and penalty fines may occur. I will submit a complaint to XXXX XXXX XXXX XXXX if I continue to see any more false information in regards to my personal information and credit scores. Fraudulent actions and negative reporting on consumers may seem like no big deal because it's not in regards to YOU, but I will sue XXXX, XXXX, Experian, XXXX, and XXXX 's collection services with all of the legal power I have if violations ensue. All companies involved in wrongdoing may have to defend their companies in a court room, one by one. You have between 30-45 days to respond. Since I've already reached out and submitted a complaint to all of you, I'd recommend making your FINAL response decision by XX/XX/XXXX, as I have more than sufficient evidence to sue every company listed. Thank you.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received my Bank of America Credit Card bill on XX/XX/2019. It was in the early XXXX and the account statement had already closed. I received a " XXXX XXXX '' notification of payment due. I proceeded to pay the balance in the XXXX   on XX/XX/2019 due plus additional money on the same day in the XXXX ( afternoon after the closing statement had already closed. ). Bank of America is refusing to credit that payment which was deducted from my account on XX/XX/2019 and says that I paid it too early, despite the fact that my statement had already closed and they gave me a minimum amount due, which I paid plus more. I spoke to XXXX in XXXX AZ on XX/XX/2019 and he refused to identify himself, was very argumentative and refused to give me any identifying ID other than say he was XXXX and gave no employee ID # despite my repeated requests. He told me I paid it too early despite paying it AFTER the statement closed and payment was made.
Consumer complaint received 2019-09-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (GA)

I totaled my vehicle around XX/XX/XXXX and I called Mercedes Benz to ask specifically since my car was totaled would I still be responsible for making payments and the answer was NO. The claim adjuster who was handling my claim on behalf of my insurance company was pregnant and had a sudden leave from work and I was not aware until there were issues being resolved regarding payment being made to Mercedes Benz. I alerted Mercedes to advise them that the paperwork they were submitting was not reaching the initial girl who was assisting with my claim and to send to another number. Paperwork was being held up by Mercedes and they placed two late payments on my great rating against my credit report. I have asked Mercedes to remove this deragatory rating because it truly dropped my score 100 points. I have always paid my account with them on time and they settled this claim in late XX/XX/XXXX. They also made me pay for the two months plus late fees in the amount of {$1900.00} ( plus ) I also had GAP coverage and I feel this was a double dip on my end causing me to pay substantially over what I should have not had to pay. Mercedes got over on me and I am not happy in the manner how they treated me as a customer. I purchased this vehicle from them and was financed through Mercedes Benz as well. I am asking for my money back and the two months of deragatory removal at once. 

XXXX XXXX XXXX XXXX XXXX GA XXXX