davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
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. (NY)

I had notified Experian credit bureau about incorrect reporting on my credit file from XXXX XXXX XXXX   XXXX. I explained that this account I had no knowledge of and that it did not belong to me they responded back 75 days later which is ( PAST THE 30 DAYS REQUIREDTO RESPOND ) back and never resolved the issue. Never sent me any PROOF that the incorrect information being reported on my file actually belong to me as stated in the FAIR CREDIT REPORTING ACT. THAT SUBSTANTIAL EVIDENCE PROOF OF MY SIGNATURE ON ANY DOCUMENT STATING THAT SAID ACCOUNT BELONGED TO ME. I asked for verification and proof that this account belonged to me or signed documentation with my signature and proof of how they were verifying this information from XXXX XXXX XXXX XXXX. I indicated that if no REFUTABLE PROOF WAS FOUND that they immediately delete this file from my credit report. They responded with only that my file was updated. Didn't specify how was they verifying this information that was being reported on my file. NO PROOF OF ANY CONTRACT OR BINDING DOCUMENT WITH MY SIGNATURE was found stating that I owned this account and or was responsible for said debt and was told that my credit file was JUST UPDATED only and they continue to report this account on my credit report falsely.
Consumer complaint received 2017-05-27
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. (TN)

I requested validation of a public record on my account which XXXX XXXX and Experian all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!
Consumer complaint received 2020-08-19
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: SYNCHRONY FINANCIAL (WI)

I was a victim of identity fraud. 

I checked my credit report in early XX/XX/XXXX and found XXXX   listed 2 hard inquiries ( XXXX  on XX/XX/XXXX & XXXX  on XX/XX/XXXX ). XXXX listed 1 ( XXXX  on XX/XX/XXXX ). On or about XX/XX/XXXX, I called XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I froze my credit with all 3 reporting agencies, and explained the situation with all parties affected/listed above. 

XXXX, XXXX, and XXXX  quickly verified it was fraudulent due to the address not being correct. All 3 of them said that they would send a letter to the 3 credit reporting agencies, and I would have the hard inquiries removed from my credit report in 30-90 days ... this was 5 1/2 months ago ... and they are all still showing. 

On XX/XX/XXXX, I contacted XXXX who said they never received anything from XXXX  and that there was nothing they could do. They directed me to contact XXXX again. I immediately contacted XXXX   again. XXXX  stated that they sent the letter when I called them in early XX/XX/XXXX, but that they will fax it again. XXXX  also sent me a confirmation email ( which I requested ). 

On XX/XX/XXXX, I contacted XXXX again to see if they received the letter from XXXX  ... XXXX stated that they had not. I asked how I could submit the letter of proof that XXXX  sent me ... they refused to give me anyway to accept it. Instead, they told me my only option was to call XXXX again, and have them call them ( XXXX  ) explaining their determination. I called XXXX  again, and they said there is no such number to call, and all they can do is submit the letter again to XXXX. As a side note, I was " disconnected '' from XXXX 3 times ... taking me 30+ min each time to get a representative on the phone. I was " disconnected '' from XXXX as well, and it was 58 min before I spoke to a person for less than a minute, only to be transferred and have to wait for roughly 10 more minutes. 

On XX/XX/XXXX, I contacted XXXX again, and they told me that XXXX and XXXX never sent them a letter. The representative stated that he can file a dispute, but unclear what, if anything, will transpire ... since they too haven't done anything since becoming aware in early XX/XX/XXXX. 

Meanwhile, I need to apply for credit soon, and all these hard inquiries have a negative impact on my credit score. I have spent the better part of 3 days over the course of 5 1/2 months trying to resolve these inaccuracies, only to be told by the businesses that they did their part and it's the credit reporting agencies fault. While at the same time, being told by the credit reporting agencies that it is the businesses fault for not submitting anything. 

I am stuck with no recourse to straighten any of this out. Please help!
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, I received an Assessment from the City of XXXX XXXX regarding allegedly unpaid city business taxes. I have had a business license with the City of XXXX since XXXX, but, as of the end of XXXX my business had no revenue, and thus owed no tax. My CPA wrote a letter to the City informing them of that fact and nothing further was heard, until XX/XX/XXXX, when I received a collection notice from Municipal Services Bureau of XXXX, TX, attempting to collect my " debt '' to XXXX City. On XX/XX/XXXX, being unable to reach the City Finance Office by phone, I went in person to the finance office, showed them my paperwork, and the clerk looked my case up in the computer, found I had no revenue from my business, crossed out the amount on the Assessment Notice and hand-wrote " XXXX '' and the word, " Amended '' on the notice, date-stamped and had me write on the back that I attest to the fact that my business generated no revenue. I then called MSB, explained the situation to them and was told to fax them all my paperwork, which I did on XX/XX/XXXX and received a fax confirmation notice. On XX/XX/XXXX, I received a " Second Notice '' from MSB regarding the alleged " debt. '' I called them, and spoke with a representative AND a supervisor, who advised me that I had to work the debt out with the City ; the paperwork I had sent them was, in their view, inadequate proof that the City acknowledged the debt did not exist and they refused to update their records. I called the City Finance office today, XX/XX/XXXX, and they acknowledged ( a ) I had no debt to them ; ( b ) there were no open files under my business license and ( c ) that they had notified MSB of this fact but that MSB apparently had not updated their records. MSB is  attempting to collect a non-existent debt. With each " Notice, '' the " owed amount '' increases, and a threat is made to report the matter to the various credit bureaus. 

I am attaching the original Assessment notice from the City, with the Clerk 's amendment of the amount due to {$0.00}, the statement the clerk asked me to write when I visited the finance office, the letter from my CPA acknowledging that I owed no business tax for XXXX, the First Notice from MSB, the fax and letter I sent to MSB along with the Clerk 's amendment and my statement, the fax receipt confirmation, and the Second Notice from MSB. 

As a point of clarification, the matter has been resolved with the City of XXXX XXXX and they have confirmed that THERE IS NO DEBT OWED. My complaint is with MSB, which is trying to collect a non-existent debt, despite the fact that they've been notified that there is no underlying debt to collect.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

I received a letter from a lawyer 's office regarding a credit card debt. The creditor is Discover Bank. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the discover bank. 

I do not understand how Discover bank can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date XXXX and XXXX posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

XXXX and XXXX are playing games with me in order for them to not to provide any verifiable documents to me.
Consumer complaint received 2017-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (PA)

On  XXXX   XXXX ,  2016 .   I got a car financed for a cost of  XXXX  $ with a n APR 23.9 9 % to 6 years and they charging for  XXXX  $ on interest to 6 years. I gave  XXXX  $ of down payment for the car, they want me to pay more of interest then the car value and they havent pay anything to capital, and i got to pay  XXXX  $ per month and i pay  XXXX  $ and they dont pay nothing to the capital they accredited it to interest, till now everytime i pay them, they take it to interest only, and i feel thats ilegal.
Consumer complaint received 2018-06-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

Beginning mid XXXX, I began noticing the same unauthorized charge of XXXX dollars and change on my account. The same charge would appear each month. Each month I would call USAA to dispute the charge and ask them to deny the ( obviously ) constant debit of my card. USAA could not prevent the activity on the card. In XX/XX/XXXX, I cancelled the card with USAA - having no faith in their protection of my privacy as a card holder. I shredded the credit card, and had no further problems until today ( XX/XX/XXXX ). 

I received a bill from USAA on the CLOSED account - for the SAME fraudulent charge! 

I called USAA and waited on the phone for over an hour and a half, and finally hung up. 
USAA is definitely not able to rectify this problem.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TN)

I contacted the local store before I submitted a request to open a secured card with wells fargo. I asked the branch worker if my card will graduate to a unsecured card within a year. She assured me that it would. It has been 16 months and my card is still a secured card. I have reached out to the executive consumer department and they keep giving me a run around because they said I opened the card online. I did but it was based on the pretense of the information I received from the branch. This is ridiculous, I am trying to find out exactly why the account did not graduate. The only thing they keep telling me is that its based on the overall interaction with the company. Since I have opened this card my account has never been late and I haven't had a bounce check or account in an overdraft status. This is a ploy for this company to keep consumers money. I have asked for details explaining this and have yet to receive an answer.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (TX)

GC Services was contacting my cell phone using an automated dialer platform. I have recieved numerous calls from them over the span of a few months. I am looking to file a lawsuit against them for TCPA violations unless they are able to rectify this issue directly. I give them permission to reach out to me via my cell phone or via email if they would like to resolve this matter without further escalation. My cell phone number is XXXX and my email is XXXX.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made a payment using my Debit Card on XX/XX/2024 for {$290.00}. The payment was applied to my Bank Account immediately, yet Capital One did not update the Available Credit immediately. 

If Capital One makes a habit out of doing this where they suspend any use of the card even after I make constant payments, then I will terminate all services of the card. They should be allowing cardholders to maintain their own accounts. Suspending, delaying, or cancelling services on the card is not something I agreed to, even if there is a clause that claims they will do that ( which if there is, then it's vaguely written ). 

If this continues to happen again, the use of the card may be terminated indefinitely and further action may occur including an investigation as to why Capital One 's system is setup to erroneously prevent cardholders from using the card. In certain cases, some companies allow employees to get away with retaliating against cardholders which may be what's happening here as a result of the poor service and bad behavior of Representatives overseas.
Consumer complaint received 2021-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (NC)

During the summer of 2020, I XXXX XXXX called my mortgage servicing company XXXX to request a Covid Forbearance. In talking to the representative I was not offered a Covid Forbearance, instead the representative transferred my call to a 3rd party debt consolidation company. A few days later I received a package from the outside vendor. I want a 12 month Covid Forbearance as I and my husband have been negatively impacted financially due to Covid and are suffering.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO. (CA)

I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

XXXX 2021 I received my tax refund if I withdraw my tax refund I shouldn't be left with an {$160.00} negative balance from a online bank account like this For YEARS Chime Close My Account After Being An Account Holder For YEARS After That I Started Receiving Chime Emails Still Not Able To Get In the account But A monthly Statement saying My Checking Account Has An XXXX balance But savings with XXXX cent This Is a Scam To Me Chime Needs To Do Better
Consumer complaint received 2021-02-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (LA)

I purchased this vehicle in XXXX of 2015. I was only employed by my job for 3 months. For some reason I don't qualify for the settlement even though I've paid more than XXXX on a vehicle I financed for XXXX. The interest rate is over 26 %. I have struggled to make my payments on time. This company refuses to let me see my internal score and has constantly participated in predatory lending to others. I would like to know why I don't qualify for this lawsuit when they didn't even take the proper steps to validate my information before providing me this vehicle loan.
Consumer complaint received 2015-07-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank charged me XXXX overdraft charges on transactions when my account should have had an adequate amount of money in it to cover them, had they processed my claim earlier rather than waiting almost a full month to provide me with a temporary credit onClaim # XXXX.
Consumer complaint received 2020-06-28
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. (MO)

My identity has been compromised via the dark web, XXXX  breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-12
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}, {$520000.00}, {$3900.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2020-06-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (TX)

ORIGINAL CREDITOR IS XXXX XXXX COLLECTION AGENCY IS ALLIED COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX. MY ORIGINAL ACCOUNT BALANCE WAS TRANSFERRED TO A NEW ACCOUNT # WHEN I SWITCHED XXXX XXXX LOCATIONS. THEY NEVER XXXX  OUT THE OLD ACCOUNT BALANCED AFTER IT WAS TRANSFERRED. INSTEAD THEY HAVE ME IN COLLECTIONS FOR THE ORIGINAL ACCOUNT THAT SHOULD HAVE BEEN XXXX  OUT AND CLOSED AFTER THE TRANSFER. I HAVE AN ACCOUNT WITH XXXX AND IT IS AND IT IS IN GOOD STANDING. THEY ARE RUINING MY CREDIT SCORE. THEY HAVE ME IN COLLECTIONS FOR A DUPLICATE ACCOUNT.
Consumer complaint received 2021-09-12
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. (CA)

Submitted Three former requests to validate and verify items on a collection account. Equifax and XXXX is report all on time pay history with a derogatory account status, dates do not match up. they are reporting incomplete and inaccurate information,