davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Accelerated Recovery Services, Inc (CA)

I received a call from XXXX at XXXX XXXX He stated he was working with a law firm to collect the debt from a car crash I was in. I stated to him was he a debt collector he said no. Then proceeds to tell me if I dont pay {$250.00} that he will have my license suspended. I told him I couldnt afford said payment. And he was like Im send letter to your house make a payment by then or expect you license to be suspended. That is using false and miss leading information and threatening Tactics. He never stated he was a debt collector and any information will be obtained for collection of said debt. I never refused to pay and still dont. Suspension of my license is criminal not Civil.
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

This is not my account. Please delete this negative account off my credit report asap. I've never got anything in the mail or anything verifying this is XXXX percent my debt. according to the FCRA you must delete this debt asap.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I recently applied for a Chase Credit card account and I was approved. I have a great credit report. After a few days of having my account opened, Chase closed my credit card account without letting me know, not even a phone call telling me why they made that decision. I received a letter from the bank today and the reasons they are giving me why they closed my account is because " too many requests fro credit or reviews of credit ''. I just read about it and it looks like they don't like customers to apply for too many credit cards.
Consumer complaint received 2022-05-03
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have a fraudulent account listed on my account from XXXX XXXX XXXX  XXXX. I have asked this company to send me some some information concerning this account and they sent me some information from another creditor that I never had any account with. I filed an identity theft report. The FTC report number is XXXX. I have attached a copy of the report to this complaint. Please remove this fraudulent account off my credit report the sane way that XXXX  and XXXX  has done on their end.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This complaint is for Credit Acceptance XXXX west XXXX XXXX. XXXX, MI XXXX. 
I have acquired and satisfied an installment loan. My credit report is showing a 120 days late payment, which was not the case, I mailed the payment via mail and I guess it took the company some time to process the payment. The company agreed to have this inaccurate information removed but it is still reflecting or showing on my report 6 months later.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries  that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.
Consumer complaint received 2019-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX I had financial trouble and defaulted on my credit card with Capital one bank. Capital One has made it almost impossible to pay the debt off with them through a constant re transfer on the debt to different companies with no notification to me. Every time I set up a payment plan with the current company after a matter of months the debt is transfer to another company. I have made written and even legal agreement with multiple companies and now I don't even have a name of the current company responsible for the debt. It has been six months since the debt was transferred. The debt was originally with XXXX XXXX, then transferred to XXXX XXXX who I made legal agreement to pay {$65.00} a month to. Then in XXXX of XXXX it was transferred to an unnamed company. I had to email XXXX XXXX to find this information out as I was locked out of making payments. Since XXXX of XXXX until now XX/XX/XXXX I have received no communication from this company about the debt in question and have not been informed on who or how to pay. I don't even know the current amount owed. As you will see in the attached documents I made payments as agreed. and I was the one to contact XXXX XXXX about payment. You will also be able to see that in their response their is simply a number listed. No company name. No point of Contact. No address. No account to reference.
Consumer complaint received 2020-07-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5200.00}, {$1600.00}, {$7700.00}, {$0.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX  with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These inquiries are reporting on my personal credit file with Equifax and XXXX ( Credit Reporting Agencies ). These inquiries were reporting fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX & XXXX XXXXr ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX  XXXX have not provided me with any evidence, authorized or created by me. Below are the inquiries not authorized by me ; XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX Card Services Inquiry Date XXXX, Equifax Mortgage Service Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX 5 Inquiry Date XXXX, XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXXXXXX Inquiry Date XXXX.
Consumer complaint received 2022-05-03
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (GA)

The credit inquiry named XXXX - XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (MO)

I attended XXXX XXXXXXXX XXXX XXXX XXXXXXXX in XXXX, MO. 
XXXX XXXX used preditory methods to get me to join. When applying for financial aid I was told I was eligible for it all to be paid in grants. I was misled by the recruiting office that told me that even though I had a felony that I they were 100 % confident they could get me a job placement They falsified career placement status. 
I never received job placement services. The instructors also passed you in the class weather or not you passed the test. 
Also, as a result of their practices, the college has filed bankruptcy and has shut down permanently. I am unable to obtain any transcript or diploma that I have received. Therefore I am unable to prove that I attended a college or show any degree completion. I am also unable to put down on a resume that I. completed the college because all employers, especially in the legal field in which I went to school for know that XXXX XXXX  have been sued and is permanently closed. Employers don't take it seriously. I am unable to use and show the " education " that I allegedly received. I wouldn't even signed up if they didn't promise job placement and tell me that I was eligible for grants. 
Thank you for your time. Please help me with this financial hardship.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TN)

I have asked this place to remove the account info from my credit. LVNV XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I have submitted the proper documents to Transunion credit reporting agency to have fraudulent items block as required by Fair Credit Reporting Act 605B. I submitted identity theft report on XX/XX/2019. However, the following accounts have not been blocked from my credit file. Section 605B of the Fair Credit Reporting Act gives consumers the right to have information block from there credit file as it pertains to Fraud if identity theft report is provided to credit reporting agencies within 4 days after receiving the identity theft report. Transunion has not blocked the following account from my credit file. It has been over two months since I sent Transunion identity theft report requesting to have the following items blocked from my credit file. I have attached a copy of identity theft report submitted to Transunion on XX/XX/2019, along with copy of the Fair Credit Reporting Act section 605B. I am reaching out to CFPB to assist me in getting this matter resolve. Transunion has violated my legal right to have information removed from my credit file pertaining to Fraud under the Fair Credit Reporting Act.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

All the following credit bureaus are reporting erroneous information in regard to my credit report : XXXX Experian XXXX XXXX XXXX XXXX, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX  XXXX  - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Using my Bank of America Visa Card, on XX/XX/XXXX I purchased an advertised US Size XXXX dress on XXXX for {$120.00} for a wedding I was attending on XX/XX/XXXX. I have worn a US Size XXXX dress for many years now. Upon receiving the dress from a XXXX manufacturer by XXXX on or about XX/XX/XXXX I found that the dress did not fit. Since my computer is not sending or receiving emails at this time I had a friend, XXXX XXXX, contact XXXX on XX/XX/XXXX stating that the dress didn't fit and asking to return the unworn dress for a full refund of {$120.00}. On XX/XX/XXXX XXXX confirmed that they hadn't or wouldn't release my {$120.00} payment to the XXXX manufacturer until the matter was resolved. In the meantime the XXXX manufacturer wrote XXXX XXXX on XX/XX/XXXX to say that they couldn't provide me with a refund because the dress had been worn -- which is NOT true. Apparently XXXX  had also paid the manufacturer despite telling me otherwise. 

After weeks of emailing back and forth without any resolve, I escalated the matter to Bank of America 's Visa Credit Card Department in mid-XXXX  by explaining everything as noted above. They said the charge would be put on hold and that I wouldn't be responsible for the charge unless they found out something different during B of A 's investigation. I saw that the {$120.00} charge had been removed from my credit card statement. Then, to my surprise, on XX/XX/XXXX at XXXX XXXX ( the time that my mail is delivered by the US Post Office to my mailbox ), I received a letter from the bank stating that a detailed, written response must now be received by the B of A office in XXXX XXXX, Texas by XX/XX/XXXX or the {$120.00} charge would be returned to my statement. Such an unreasonable demand by the bank would have given me less than 30 minutes to research, write and post a written response to the XXXX XXXX office. 
When I called Bank of America 's Customer Service Department they reiterated there was NOTHING that could now be done because their unreasonable deadline had passed. The Customer Service Agent went on to say that the bank is not responsible for " buyer remorse ''. 

In conclusion, XXXX DID NOT honor their Customer Satisfaction '' guarantee ; the XXXX dress manufacturer DID NOT create a US Size XXXX dress ( while mysteriously determining from 12,000 miles away that I wore their dress -- which I didn't ) ; and Bank of America DID NOT give me any time in which to respond to their demand letter received on XX/XX/XXXX. I have 13 written correspondences that substantiate everything written herein. All I am seeking is a refund of {$120.00} for a dress that didn't fit. I will be happy to return the dress to the XXXX manufacturer despite their unwillingness to give me a return address.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX