davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit acceptance. Was my lender. When I would make a payment they would send me letters saying I was behind on my car loan threaten to take my car several times hardly ever did they post a payment when I would make a payment making it look like I was always behind.. Ended up trading it off just to get out from them and they refused to send the carl lot the title.
Consumer complaint received 2020-02-24
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. (TX)

In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (PA)

Opened checking account with Ally around XX/XX/2019. Took months an correcting my address 3 times to finally receive my debit card and checks. After a few pay cycles, was given a bad check for a job. Charged {$7.00} for the returned check, my account was frozen and I was told my money would be accessible when I made a police report for the unpaid bill issue which was done that day so I was told I would be good to go in a few days. Fast forward about 3 weeks, and about 7 direct deposits later. All of my Bill 's have been declined causing late fees, card has been declined so my kids are currently living without groceries and diapers and toothpaste and shampoo. After hours of being on hold, I am finally alerted that my account has been closed and I STILL have not been given my own money which means I can't open another account and my direct deposits are still going to their company. I have been robbed, plain and simple.
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Sent dispute letter XX/XX/XXXX and investigation was not done within 30 days - so the negative items must be deleted. Thank you. 

P.S. I have proof attached.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SC)

XXXX XXXX XXXX has an open collections account listed on my credit report, which is of an old debt that was closed. XXXX XXXX XXXX relentlessly calls me ( both home and cell ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple times per day. They have been told by multiple people to stop calling, and they continue to call.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Victim Fraud Assistance Department, XXXX  Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Experian, XXXX  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Experian, XXXX and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

I purchased the {$500.00} vanilla Visa gift card.The card was stolen in XX/XX/2021 and never used before it was stolen. XX/XX/2021 I try to use this card and find out card balances was stolen. Contact Vanilla for dispute and they told me wait 90days.today they told me : Please see attached. Unfortunately we do not have recovery rights through visa. Per cardholder agreement we can only fund what we can recover. And we were unable to recover any funds through visa. 

Thats unacceptable. Hope you guys can help me. 
Thank you XX/XX/2021 XXXX XXXX XXXX transactions total each amount {$4.00} XX/XX/2021 XXXX XXXX 3 transactions total each amount {$4.00}
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (SC)

Cavalry Portfolio Services has an open collections account listed on my credit report, which is of an old debt that was closed. Cavalry Portfolio Services relentlessly calls me ( both home and cell ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple times per day. They have been told by multiple people to stop calling, and they continue to call.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (IN)

One address on my XXXX XXXX is correct. The other one is shady. Please correct this problem. The address that is shady is XXXX XXXX XXXX XXXX XXXX IN. XXXX-XXXX  This is not mine. Please look into this since my identity was already stolen If you can help with this I would feel like a monkey stuck in a banana factory. 

Thank you. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

Victim Fraud Assistance Department, Equifax Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Equifax  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Equifax and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

On XX/XX/XXXX I received a debt collection letter from Convergent Outsourcing , Inc. based out of XXXX, WA, said that I owed {$4600.00} -- and this debt was coming from XXXX XXXX, XXXX. 

Convergent Outsourcing, Inc said " Our client has advised us they are willing to accept 35 % of your total balance ... your reduced amount would be {$1600.00}. '' The original creditor according to the letter is XXXX XXXX. 

I wrote a letter disputing this debt on XX/XX/XXXX. 

I am complaining because I PAID THIS DEBT back in XX/XX/XXXX ( more than 10 YEARS AGO ) for a settled amount of {$1400.00}. 

Any guesses to how and why this is happening?
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (TX)

has prepared the following complete text of the Fair Debt Collection. Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p. 
In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (TN)

This company keeps contacting me, attempting to collect a fradulent debt. I have attempted to peacefully contact the company 4 times, in an attempt to get them to put me on their do not call list. I am on the national do not call registry, and despite this, they have contacted a total of 31 times. The company that they are claiming to be is Spring Oaks Capital LLC.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

My Experian Credit Report # XXXX shows 'On Record Until ' on most accounts but this information is missing from the accounts listed below : XXXX XXXX XXXX/XXXX  XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX XXXX - XXXX XXXX/XXXX  - XXXX XXXX/XXXX  - XXXX The aforementioned trade lines are incorrect. Per the FCRA incorrect information must be deleted within 30 days. Also per the FCRA consumer reporting agencies may not report outdated negative information. Many of the trade lines listed above have already been removed from my XXXX  and Experian credit reports due to the accounts being outdated. This further leads me to believe that these accounts are being reported by Experian in error and therefore must be deleted from my credit report as I have a right for all information on my credit report to be correct per the FCRA. ( See attachment XXXX ) Experian repeatedly reports incorrect information under the 'Names ' section by listing my name as XXXX XXXX - Name ID # XXXX. This is not my name, this is not the correct spelling of my name, and there are no accounts on my credit report with this this listed as my name. This entry is incorrect and must be deleted as I have a right for all information on my credit report to be correct per the FCRA. ( See attachments ID-Passport/ID-Birth Certificate ) Experian repeatedly reports incorrect information under the 'Addresses ' section by listing XXXX XXXX  XXXX XXXX , XXXX , TN XXXX-XXXX  - Address ID # XXXX. This entry is incorrect and must be deleted as I have a right for all information on my credit report to be correct per the FCRA.
Consumer complaint received 2020-02-24
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am having problems with experian reporting my capitol one credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. Capitol One reports to all 3 agencys its on my XXXX  and XXXX XXXX but not XXXX. XXXX tells me to call Capitol One, Capitol one tells me to call XXXX. This has been since XX/XX/2019 with no resolve. XXXX tells me to have Capitol One call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. Capitol One told me to write a dispute letter to them and state they arent reporting but the is NO where to write the letter too. Im at a standstill loss here. I have no idea what to do next.
Consumer complaint received 2020-02-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a fraudulent email asking me to wire funds to Bank of America Account. 

When trying to report it, Bank of America does not allow it unless you have an account at their bank. 

The account is most likely getting a whole bunch of less cautious folks money as I write this. 

I tried emailing XXXX and Calling their fraud department. I do not have an account with them, so can not stop the thief. 
Account given was : Bank of America XXXX XXXX, NY XXXX XXXX Acct Name : XXXX XXXX XXXX, XXXX  Acct No : XXXX SWIFT : XXXX Bank of America, N.A. XXXX XXXX, XXXX XXXX, New York XXXX
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (NJ)

It has now been over 30 days since Equifax received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted. 

All correspondence attached. 

Thank you.
Consumer complaint received 2023-03-23
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. (PA)

In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. Earlier this month I disputed the delinquent account with Equifax. They updated my credit report, but instead of showing 'paid in full ' or 'removed ' ( which XXXX did correctly ) they updated it to say it was accurate. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Equifax is complicit for not removing it.
Consumer complaint received 2020-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Im a current full time XXXX at XXXX. Im in a problem for students with XXXX. Im required to only live on campus. Which also comes with Scholarships, and grants. Ive never did business with XXXX XXXX XXXX, or National Credit Systems. Im depending the fraudulent account be removed from my credit reports. Ive never signed or entered into an agreement or contract with National Credit Systems or XXXX XXXX  XXXX. Im attaching proof showing where I paid and lived on my college campus
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (SD)

I received a letter from Convergent stating they were willing to settle a debt for {$300.00}. XXXX from XXXX XXXX XXXX  XXXX. I have never had an account with XXXX and double checked my credit report to ensure there were no new accounts opened in my name. The original balance supposedly owed is {$880.00}.
Consumer complaint received 2020-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I SENT MONEY THRU XXXX AND CHASE TO MY FIANCE TO MAKE A PAYMENT FOR MY WEDDING VENUE ON XX/XX/2020 AND WE HE WENT TO RECEIVE IT SAID HE COULD NOT RECEIVE IT WE CALLED CHASE BANK AND THE THEY CAN SEE IT IN SOME LADY ACCOUNT AND SHE HAS A CHASE ACCOUNT SO THIS WAS AT MIDNIGHT WENT TO CHASE THE NEXT MORNING XX/XX/2020 TO TRY TO GET IT STRAIGHT THE LADY AT THE BANK SAID THEY COULD TAKE IT BACK AND PUT IT IN MY ACCOUNT THAT DID NOT HAPPEN THEY TOLD US THEY CAN SEE IT IN HER ACCOUNT THAT HER NAME IS XXXX THEY OPENED UP A CASE XX/XX/2020 CASE NUMBER XXXX FIVE DAYS LATER THEY SEND A EMAIL SAYING THE TRANSFER WAS GOOD EVEN THOUGH IT WENT TO THE WRONG PERSON SO I CALL CORPORATE OFFICE OPEN ANOTHER CASE AND FEW DAYS LATER THE EMAILED ME AND SAID THEW SAME THING THAT THE TRANSFER WAS GOOD AND THERE WAS NOTHING THE COULD DO BUT WAIT TILL THE LADY CALL THE BANK ABOUT IT WE ASK IF THEY WOULD SEND A CERTIFIED LETTER THEY SAY NO THE TRANSFER WAS XXXX DOLLARS
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is a Bank of America account that was said to be opened in some time of XXXX in my name. They attempted to collect somewhere around 500 $ of debt I had no knowledge of, they stopped reporting and it was gone. Within the last year, it has popped up under my name and in my attempts to collect it. I again told them that it was unauthorized and I had no knowledge of it- they did not listen and started reporting on my credit score which bought it down dramatically. I have done all I could. How could I provide proof about not knowing about an account I did not open? I am a  XXXX XXXX  that has banked with Bank of America for almost 8 years. I'm thinking of prospectively closing all of my accounts permanently. More than once I've asked them to send or give some sort of validation about the debt to show it was mine and I have never received it. Not only have they been violating consumer trust relations- but they have also been unlawfully reporting on my credit report ( since the statutes of limitations are 7 years ). I'm at my wits end of what to do. Without first providing written verification, they have been in violation of the Fair Debt Collection Practices Act.  Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. I would greatly appreciate any efforts to look into and resolve this for me. I'm not sure what else I could do on my end.