davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
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. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX, XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Received letter dated XX/XX/XXXX regarding debt. 
XX/XX/XXXX - Mailed letter back asked for evidence the debt was already taken into consideration both medical insurances.XXXX - XXXX left someone else a message about the debt I owed. The message said " If your not XXXX hang up '' but no message should have been left about an attempt to collect a debt. 
XX/XX/XXXX - the person left a message for XXXX that it was not allowed for this type of message to be left. 
XX/XX/XXXX - XXXX called this person back. The person explained he can not contact them again and should never be leaving a message that he is attempting to collect someone else 's debt on voicemail. 
XX/XX/XXXX - Date on letter was XX/XX/XXXX ( this one marked confidential ) stating XXXX was unsure if insurance was used and to send additional details to research. 
XX/XX/XXXX - Date on letter was XX/XX/XXXX ( again marked confidential but first letter was not ) and provided evidence both insurance were used. The detail provided also indicates HIPPA information of " basic life support emergent and ground mileage '' XXXX - Debt was paid online with reference # XXXX
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (MI)

All throughout XX/XX/year>, I've been disputing incorrect information that appears on my credit reports from all 3 credit bureaus. Ive also tried disputing with the actual collection agency in which the invalid information rests, who goes by XXXX XXXX XXXX XXXX on two reports, yet XXXX XXXX XXXX on another. The amounts I am disputing are {$1600.00} and {$4900.00}. Two different amounts, under the same company, yet two different negative impacts. Both amounts which are incorrect, as well as the dates of opened. Hopefully the attached documents provides a clearer understanding. After disputing through the bureaus, the information was not deleted. I then contacted the collection agency, genesis, directly. After providing numerous emails and statements, the representative agreed in my favor that the amounts should be removed within 2 weeks and to call back in two weeks to confirm. Today XX/XX/scrub>XXXX it has been two weeks so as directed, I contacted the agency, spoke with the same representative, who then directed me to call back in another week as he was busy right now and could not talk at the moment. The run around is frustrating, the debt collection company seems very sketchy, and this incorrect information on my report is a burden and preventing me from purchasing a home of any kind.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Foundation, Inc. (NC)

The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, XXXX XXXX XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  account ; XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States, I have the right to Privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer credit reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (AR)

I received a statement of {$25.00} from a collection company named XXXX billed by XXXX XXXX XXXX. I am only XXXX years old & have never had any bills from this company under my name or social security. I called the company XXXX and they tried to verify my mailing address & asked me if I lived in a different mailing address which I have not so they advised if I had not applied for this company that my identity had most likely been stolen and had to file this dispute.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (OH)

XXXX  sent notice of Debt owed I called this company about the Debt to see what it was this was the first contact ever made by this company. This is a debt for XXXX XXXX. The original amount was owed in XXXX the first contact I received was on XX/XX/XXXX How can they collect this after 6 years and this is the first I am aware that it was even owed to them. The amount owed is XXXX they want to settle for XXXX I don't feel I owe this since they have never tried to collect this before.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (VA)

While XXXX I provided someone with POA, this person opened numerous accounts to include XXXX, XXXX XXXX, XXXX, and Discover  to name a few. I have provided all of these companies with the original power of attorney, the notarized statement from the individual admitting to opening these accounts, which list these companies by name. I have also put Discover in direct communication with senior military personnel located at the Pentagon to validate I was out of the country at the time since I am legally unable to provide a copy of the title 50 orders. XXXX XXXX, and the XXXX both conducted investigations and was able to completely remove the accounts. XXXX is requesting a police report, and Discover is now saying that because the card was used, it is deemed valid. 

DISCOVER, has previously claimed to conduct investigations which consist of : Obtaining XXXX XXXX via the XXXX website ( Which does NOT provide Title 50 orders. However senior officials validated the dates of overseas service ) : Retrieving online application data, : Reviewing financial transactions on numerous occasions, Discover has deemed this account valid despite all the provided documentation. Not once during the investigation was I contacted to obtain additional information, had I not asked one of the females, what information do they deem insufficient I would have never known they were looking to validate XXXX history, which I was able to offer them. The lack of communication throughout an investigation that impacts my security clearance is troubling. Why am I not made aware of what information is needed from me to prove my innocence? Why is the notarized confession being overlooked? Why is Discover unable to retrieve credit card signature, surveillance footage from one of the businesses during the point of sale like XXXX XXXX to validate I was not the individual using the card. I will NOT STOP requesting this matter be properly investigated.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

Although this seems to be a continuing issue, currently at issue is web site disparity on two store cards I am on with my wife : Synchrony Bank serviced store cards for XXXX XXXX XXXX and Synchrony Bank multiple vendor Home account. 

On two accounts past due date by a few days, scheduled payments for XX/XX/2019. On XX/XX/2019 received a robo call, when answering phone only recorded message to return call WITH NO Information CALLING BACK, they ASKED me to tell them why I was calling After what would have been batch updates to their system on XX/XX/2019,  received the same call on Sunday XX/XX/XXXX. 

I have screen print showing payments processed, but account status STILL PAST DUE. Offshore associates do not see what I have in screen captures and I continue to be harnessed by Synchrony Bank I plan to share this same information with XXXX XXXX XXXX and XXXX as this is jeopardizing representational risk for these merchants who use Synchrony serviced cards
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I mailed the following context certified mail to Experian on XX/XX/2021... 

I demand Experian to provide me with the names and addresses of original creditors for each account listed below : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  XXXX XXXX XXXX XXXXXXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX If the names and addresses of original creditors for each account listed above can not be provided, PROMPTLY DELETE all items and all tradelines from my consumer file/report in accordance to 15 USC 1681i ( a ) ( 5 ). 

In addition, I demand Experian to produce a contract affidavit between myself and Experian showing I granted Experian permission/lawful authority to furnish items listed above on my consumer report in accordance to federal code 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

If a contract between myself and Experian can not be produced, PROMPTLY DELETE all items listed above and all tradelines from my consumer file/report in accordance to 15 USC 1681i ( a ) ( 5 ) Statements Made under Penalty of Perjury Must be answered By Counter-affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence
Consumer complaint received 2019-11-08
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTE WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-08
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: WAKEFIELD & ASSOCIATES, INC. (TX)

On XX/XX/XXXX, a letter was sent to XXXX regarding 4 collections on my credit report that I was not familiar with, asking XXXX to investigate the accounts and provide proof that these accounts are legit and belong to me. The accounts in question are XXXX XXXX XXXX, Acct # XXXX, for {$500.00} and Wakefield & Associates, Acct # XXXX, for {$410.00} and another for {$650.00} ( the fourth was removed ). XXXX sent me a letter stating that the accounts were " verified '' for the {$500.00} ( XXXX XXXX ) and {$410.00} ( Wakefield & Associates ) but removed the {$650.00} ( Wakefield ). How can you verify one account and not the other?? And on the " verified ' accounts, they failed to provide me any proof these accounts were mine. I sent a second letter regarding the same matter ( XXXX and Wakefield ) on XX/XX/XXXX and XXXX sent me a letter stating once again that the accounts were " verified '' but again failed to provide any documentation that these accounts were mine. The letters sent cleary ask for such information, but these request are ignored. Yesterday, XX/XX/XXXX, I noticed that Wakefield & Associates suddenly decided to report the accounts stated above ( the {$410.00} and {$650.00} no account number provided ) to my XXXX   credit report. These had never been reported to my XXXX Credit report. Mind you, these accounts also date back to XXXX of XXXX. I see this act as retaliation from Wakefield for disputing this incorrect info. I am concerned and disturbed on how they acted regarding this dispute. I have also contacted a law firm regarding the issues with Wakefield which I was advised to hold on taking any action until CFPB has conducted their investigation into the matter.
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I am a XXXX XXXX for XXXX XXXX XXXX XXXX. For 10 years, I have been garnished for an uncollected debt which I have not received any information about the status of payments to terminate the debt nor what the debt is about. 

When contacting XXXX XXXX XXXX XXXX, I was given the following phone number XXXX. When I called this number earlier today it was disconnected. I then called XXXX the original debt collector XXXX and was told to try again as the number is now working. XXXX also gave me the names of XXXX XXXX and XXXX XXXX. When I called XXXX XXXX, he hung up on me. 

XXXX XXXX XXXX XXXX has closed this case and will be refund the last garnishment ; however, I am trying to receive a refund of any monies overpaid. This debt does not appear on my current credit report. 

Please help.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (OR)

On XX/XX/18 I made a XXXX dollar purchase on coinbase. on XX/XX/18 my online banking shows it went through along with a XXXX dollar " international ATM '' fee. 

then at a later date it shows that XXXX refunded my purchase, and debited it again. This added ANOTHER XXXX $ fee. 

XXXX released a statement that said basicly the entire thing was visas fault. That people effected should contact t their bank for refund on fees. 


on XX/XX/18 ( today ) I noticed this and called US BANK. US BANK said they would waive the fee. they put me on hold. they came back and said it wouldn't let them waive the fee because " it's a charge from coinbase. '' and then can't waive it because it's coming from coinbase. 

coinbase release : https : XXXX I want my XXXX dollars. 


Not only that, but it's a joke that XXXX is saying coinbase is an ATM when the IRS lists crypto as an asset, and not currency.
Consumer complaint received 2021-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Capital One Auto Finance on XX/XX/XXXX regarding an XXXX dollar charge off on my credit report from an auto loan I had with them years ago. Account was considered paid in full on XXXX, XXXX, XXXX. I was told by the representative to send in disputes to XXXX and XXXX. I sent in disputes through the mail with XXXX and XXXX. XXXX has not responded yet. XXXX responded that they could no dispute the charge since the account was paid in full and is considered " closed '' On my credit report, it shows a XXXX dollar " charge-off '' amount putting a negative impact on my credit score. 

To go into detail, I was in a car accident in XXXX and the amount that insurance did not cover for the rest of the loan was on us. Capital One Auto Finance agreed with a payment-plan to get the rest of the amount owed paid off, which was {$1300.00}. There was never a late payment recorded either. 
My credit and ability to go get a new car is impacted by a {$0.00} charge off, which is ridiculous. Dealerships automatically think I had my car repossed with this on here.
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (GA)

Purchased a new car on XX/XX/XXXX with a car ( XXXX XXXX ) as the trade. Old car financed with BMW Financial Services, new car financed with BMW Bank of North America. I tried unsuccessfully to work with the dealership to finalize the payoff on the old car. On XX/XX/XXXX, I contacted BMW to request help. Response on XX/XX/XXXX below. 

Since that time I now have the new car loan and the old car loan on my credit report. In addition, I do not have possession of the old car and canceled the insurance. At this time, I am concerned I am also responsible should anything occur on the car. 

I have communicated with the dealership the concerns to which the dealer has indicated it is due to a cross state transaction. This is not acceptable and I am now forced to make two car payments so as not to impact my credit score.

The response was : BMW Representative Financing Account : XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX Dear XXXX XXXX : Thank you for contacting BMW Financial Services regarding your account. We are happy to assist you. 

We apologize for any inconvenience. We do not see your payoff has been received yet for this account. We recommend to allow 7 to 10 business day for your payoff to be received and for your account to be terminated. 

We are committed to providing you with the highest level of service. If you have any further questions, please respond to this message or consult a Customer Service Advocate at ( XXXX ) XXXX, Monday through Thursday from XXXX XXXX. to XXXX XXXX  ET, and Friday from XXXX XXXX to XXXX XXXX ET. 

Sincerely yours, BMW Financial Services NA , LLC
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Upon investigating I found a number of falsely reported inquiries. I did not give the bureaus permission to give away my information to the companies on the dates started. Yet somehow by their placement of them on my credit repot they are considered verified without them having ever verified their validity or getting consent from me.