davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX AUTO I ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

In XX/XX/2018 I filed for Chapter XXXX bankruptcy and the SECU/LOCAL GOVERNMENT account was included. Recently, I viewed my reports and see that Experian is still reporting a balance of {$4500.00} when it should be {$0.00}.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (KS)

On XXXX I received a call from Quicken Loans at around XXXX XXXX. I was in an appointment in did not answer. The person left a message with just their name and phone number no other information I didn't call back as I was in a meeting 10 minutes later I received a second call from quicken loans. I answered the call because they are my current mortgage company and I was concerned there might be an issue instead I was bombarded by questions from a sales rap at which point in time I ended my conversation with him stating I didn't have time and I was an appointment .Later that evening I spoke to my husband to find out that in between those 2 calls the man called my husband twice as well. My husband informed me that in his conversation he told the gentleman he would have to speak with me about any refinancing and that he was going to send my husband attacks with the details My husband didn't get that text. Add around XXXX o'clock that evening I received an email stating that my credit had been ran I went to see who had made an inquiry and was shocked to see that it was quicken loans. Upon getting this information I called quicken loans immediately to dispute this and spoke to 5 people during this time. The manager stated he had to investigate and listen to the recordings. He spoke to both me and my husband that night. The next day I received an email from the sales rap stating that my next step was to have my credit report ranAnd that this was an easy step in the process. I immediately forwarded this email to quicken loans complaint department who added the manager I spoke to on Friday evening. I received another email from the sales rep on Sunday and then on Monday of which I forwarded these to the manager. At no time did my husband or I state that we were interested in refinancing or give permission to have our credit ram. I have filed a complaint with XXXX CO which is who they used to have the credit ran I have filed a complaint with XXXX XXXX And experienced. I am concerned with the practicesOf quicken loans they do not appear to care about their current customers and only are interested In new sales. What they did here reminds me of the reports I saw in regards to XXXX XXXX.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I purchase a used vehicle XX/XX/2016 I was finance threw XXXX XXXX this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within XXXX miles so I reported this to my Finance company XXXX XXXX after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. XXXX XXXX then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX  and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by Experian that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

Subject : Cease Unauthorized Credit Reporting Immediately California FCRA and Identity Theft Fraud Laws Dear DISCOVERBANK, I am reaching out to address a serious concern regarding the unauthorized reporting of information to my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly under California Civil Code Sections 1785.1 and 1785.15, and identity theft fraud laws, specifically California Penal Code Section 530.5. 
It has been brought to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without securing my explicit consent. According to federal law, as specified in the FCRA, the consumer 's consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, California state law, particularly Section 1785.1 of the Civil Code, underscores the importance of obtaining consumer consent for credit reporting. Additionally, Section 1785.15 establishes clear regulations for the proper reporting of consumer credit information within the state. 
Simultaneously, identity theft fraud laws, such as California Penal Code Section 530.5, emphasize the seriousness of unauthorized access and misuse of personal information. 
I assert unequivocally that I have not granted consent for ( company name ) to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating a blatant disregard for federal and state laws. 
I demand, with the utmost certainty, that ( company name ) immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.1 and 1785.15 of the California Civil Code. Failure to comply within the stipulated 30-day timeframe will be deemed willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 
I emphasize that securing consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft fraud laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and harmful credit reporting. 
I anticipate your immediate attention to this matter and expect ( company name ) to promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I get electronic statements. I have scheduled payments with my Kohl 's Credit card a week before the payments are due. I wait 24-48 hours and then check my Kohl 's app and the computer website to make sure it was pending. The payments NEVER show as scheduled or pending under those options. Once I forgot I had scheduled a payment twice because of this. In calling Kohls each time, I am given deflective answers and have even been accused of " you're not looking at the system correctly ''. 

They have not fixed their system, though I have made complaints with them previously. I've attached today 's picture of my account screen shot on the website which is dated and time stamped in the lower right hand corner. The payment is scheduled for today as they were able to see on their end, and they had it in for two payments to be taken from my bank account?!?!
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I purchase a used vehicle XX/XX/2016 I was finance threw XXXX  XXXX  this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company XXXX XXXXXXXX  after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. XXXX XXXX then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the bbb and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Danco Financial Services, LLC (TX)

When I purchased this vehicle the sale price was {$10000.00}. I put {$1800.00} down ask somehow the company reported a balance of {$14000.00}. This is NOT CORRECT. After they sold the vehicle, it now shows a balance of {$8100.00}. My interest rate was 28 %. Please remove this account from my credit report immediately as this incorrect information has caused me a lot of emotional distress and higher interest-rates with other lines of credit.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Pl

ease stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. BANK OF AMERICA XXXXXXXX
Consumer complaint received 2022-10-07
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. (CA)

This account is fraudulent and was open without my permission. Someone used my social security, and ID. My purse was stolen while I was in the XXXXl. This is identity thief.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that XXXX was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX  that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also XXXX should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CO)

I have a forbearance on my Navient account until XX/XX/XXXX. On XX/XX/XXXX, I applied for a IDR plan due to changing teaching positions. Navient did not approve this plan until XX/XX/XXXX. I continually called and uploaded documents to their website due to the documents disappearing after 7 days .for the entire month of XXXX Then they sent me a ebill also on XX/XX/XXXX to pay the first payment on XX/XX/XXXX. I called them on XX/XX/XXXX to discuss finishing the previous forbearance or using one month of the forbearance to start making payments on XX/XX/XXXX. I was informed by two representatives, " XXXX '' and " XXXX '' that I had used all of the forbearance and could not change the original due date. They both told me that I could not use the remaining 2 months of the previously approved forbearance, that I could set up my budget to repay this bill. At the same time that I submitted IDR paperwork to Navient, I submitted it to XXXX and was approved on XX/XX/XXXX and my first payment was set up for XX/XX/XXXX, which I already set up for automatic payments. I simply want to start my Navient payment on XX/XX/XXXX.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NJ)

XXXX on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX ( XXXX  ) which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  ( XXXX USD ) from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (OR)

Received a notice dated XXXX XX/XX/XXXX saying the they were going to close my account. I called the number listed on XXXX XXXX and left a voicemail to an account that said I'd receive a call back by the end of the next business day. Received a call on XXXX XXXX from XXXX saying they had questions about transactions and referenced telling me something from XXXX of XXXX. I don't know what they were referencing and wanted to know what they had questions about. Was accused of being combative for asking and would like the conversation reviewed by you. They also requested Bank of the West to close the account I have with them - with no reason.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

Payment history on discover account shows conflicting and confusing information. 
XXXX reports that the date of last payment was made on XXXX of XXXX, but yet it also shows that payments were made late six times in XXXX and then again two more times in XXXX. 
My question is, was this account ever verified? And if it was verified please send me copies of the documents used to verify the disputed account?
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

From XX/XX/XXXX I leased a vehicle from KIA dealership and returned it back on XX/XX/XXXX and exchanged into new one. Made 19 months payment in amount of {$510.00} towards the previous vehicle on time and account should had closed by KIA dealership on XX/XX/XXXX. However, KIA Financial Ser is still making me responsible for the rest of amount XXXX which should have already paid off by KIA dealership as of XX/XX/XXXX, but it seems to me the account is not closed because KIA Fin Ser is keep calling me and ruining my credit scores drastically while I am paying for new vehicle leased from KIA. Is this the way KIA and Dealership are treating their customers by placing them at risk and ruining their credit scores? When I call to dealership they are not responding appropriately or hanging up on me, saying that previous account is closed and paid off by check which they had already released to KIA Fin Ser, but KIA Fin Ser is keep calling me. A member of account specialist from KIA telling me having the dealership manager/supervisor should contact the KIA Fin Cer but he is ignoring me saying " he doesn't anything to call them '' because released a check to close the account, if so why they playing around. Due to being irresponsibility of both parties my Credit Score is being ruined and effecting to my life during the pandemic years.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to NATIONAL CREDIT SYSTEMS defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( NATIONAL CREDIT SYSTEMS ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( NATIONAL CREDIT SYSTEMS ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( NATIONAL CREDIT SYSTEMS ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. XXXX  ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( NATIONAL CREDIT SYSTEM ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( NATIONAL CREDIT SYSTEMS ) continues to be non compliant to the FCRA by false publication of  unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ). 
XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( NATIONAL CREDIT SYSTEM ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( NATIONAL CREDIT SYSTEMS ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( XXXX ) and Person ( NATIONAL CREDIT SYSTEMS ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( XXXX  ) and Person ( NATIONAL CREDIT SYSTEMS )