davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX  and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-08-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (VA)

Debt recovery solutions continues to contact me regarding a debt that has been discharged in bankruptcy. The original creditor is XXXX XXXX  and they were notified and then they sold it to XXXX and they were also notified, then DRS and they were notified however they continue to ruin my credit by reporting this debt as money owed with a balance when it should have XXXX XXXX and be included in bankruptcy.
Consumer complaint received 2023-04-04
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TN)

My XXXX XXXX XXXX financed with Ally Financial, I'm at the end of my finance contract. There is a vehicle repossession fee added to the balance that is owed. Vehicle never was reposed. Spoke with Ally customer service several times. Ally refuse to make adjustment for the repo fee on account. Please assist me with getting this issue resolved. I'm questioning late fees that's added to account, Ally Customer service stated payments were paid on the XXXX or before the XXXX of every month. Ally records show payments due XXXX of every month. Ally has been charging late fees for the wrong payment due date payments are due on the XXXX of the month
Consumer complaint received 2020-10-30
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)

Hello, My name is XXXX XXXX and the reason I reaching out is to complain on TransUnion and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-12-09
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents 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
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

with Covid 19 I have tried to fix my credit and start all over again. I got school loan paid off and summit it to them. still on my credit. I am a single mo that left an XXXX, XXXX  XXXX  x.I have been starting over moving forward .try to get Bk off that was my x .I also have bad credit and have not been able to get car .I take bus. but now with cover I stuck and need good credit so I can Live a life with my kids away from x. I have had a good job butcovid shut us down.I hope to be back doing  XXXX  in the next month I need help getting all negative stuff from my x off credit and continuing build good credit.
Consumer complaint received 2017-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

After reviewing my credit report, I show an account was listed with Midwest Recovery Systems. 
I have never done business with them or received any type of communication from them it just showed up on my report. I have the right to see a signed contract between Midwest Recovery Systems and myself. 
. I would like a signed validation of debt. Another company 's bill is not proof of a debt with your company.

1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2019-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

XXXX XXXX XXXX XXXX in XXXX XXXX has a XXXX event page in which a scammer posted they had some tickets for sale for about 1/2 off for two days. 
Lots of locals do this as they might change their mind at the last minute or can not attend, so it is not uncommon. So I texted the number XXXX to obtain tickets, and they texted me back. I still have copies of all communication on the text if needed. They stated they would sell me tickets for two days for {$80.00} which is about 1/2 off including a parking pass. They sent me an photo that stated XXXX XXXX was going to transfer her ticket to me but needed and paypal code for transfer. Then they gave me the email of XXXX to pay them. I sent {$80.00} but then they wrote saying they did not receive the payment which was true. It was put on hold. Then they asked me to send 1/2 of the money to another account just to assure they received payment because something was wrong with my account. When I went to try to cancel the payment, now realizing it was a scam, I could not because it was not pending. It was on hold under investigation until XX/XX/XXXX. I wrote a dispute and requested a refund from them. Of course, no response. Then PayPal sent this information to report them, so I realized their account was under investigation already. I changed my passcode on paypal, reported my concern to them and you, and posted the scam on JT music fest site. Now, my {$80.00} is stuck until it will be investigated for 90 days. 
Please investigate these scammers probably international scammers. The phone number originally had a message, then went to a disconnect. 
Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

I have been paying my private student through Navient loan back. It was put on collections to XXXX XXXX XXXX, which I have been paying for 2 years to date. 1st payment was onXX/XX/18 to current. I have payment history showing this. I am trying to buy a house and found a " charge off '' by Navient. I confirmed this by calling all 3 credit bureaus and the collection XXXX XXXX XXXX. I was told that Navient is the one whom have placed this charge off even though the account is still getting paid. I have the payment directly taken out of my checking account every 2 weeks. After talking to Navient and explaining to them when I am trying to do I was just, " No, there nothing we can do unless you have the remaining balance to pay it off ''. I have ran through every option I can possibly try and keep getting no help. I am hoping you can help as you are my last resort and my last option. This charge off is the only thing from keeping me from buying my house. I hope you can help. Thank you for your time. 

Brgrds  XXXX XXXX
Consumer complaint received 2020-10-30
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: The CMI Group, Inc. (TX)

Credit Management XXXX They have called me 8 times this week. 
Monday XX/XX/XXXX XXXX Tuesday XX/XX/XXXX XXXX Wednesday XX/XX/XXXX XXXX 2 times-immediately so it looks like the same time Thursday XX/XX/XXXX XXXX, XXXX Friday XX/XX/XXXX XXXX, 2 times-immediately so it looks like the same time I have never once been late on a bill of any kind and have perfect credit. They have me linked to an account that is not mine. 

I called them back as my phone carrier auto blocks them and asked them why they were harassing me. They asked if my name was XXXX XXXX. I said no and that this had been my phone number since XXXX with the same carrier. They hung up on me.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2020-12-09
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. (CA)

On XX/XX/2020, I wrote all 3 bureaus and asked them to look into some accounts on my report that are inaccurate. I sent these letters certified mail and I have record that they were received. Since then, I have sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have yet to see any information regarding the accounts that I am challenging, nor has any of the misreported information been updated. It is a clear violation of the FCRA to continue to report incorrect information after they are made aware of the mistake, isn't it? I feel that my rights are being violated and it is having a negative impact in my life, for obvious reasons. I have tried to maintain patience however, this has gone on for far too long and I want these issues addressed immediately. Thank you.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a serious problem with Bank of America. 
The issue involved is trying to update my current information for Bank of America. 
Bank of America on my on-line checking account has an error on the verification on the form sent on-line to verify my information for their records. 
The Bank Of America verification form freezes for the verification box. The last information reflected on the form is just to verify my social security information is correct on my file. The page should drop down to allow me to confirm their information is current. I am unable to do this since this page has the error for myself the box which I could use to verify their information This should be a simple process but after XXXX hours of speaking to Bank of America XXXX XXXX they absolutely will not help me. I spoke to several Bank of America representative 's for nearly XXXX hours! 

The support team to change the form for verification put me on hold over XXXX minutes and never responded back and was rude when I first spoke to the support team that handle 's technical issues. 

I have been a Bank of America customer for over XXXX years and their service was great!. I have a dispute on file for an E-bay purchase which the seller is trying to cheat me and refuses to refund me even though I notified E-bay for the cancellation. 

Bank of America claims that the dispute was opened. With the service I have experienced today who knows what will happen next? 

The bottom line is Bank of America is unwillingly me to verify my account for Bank of America since the form on my on XXXX Bank of America has this error of not letting complete the verification form complete since Bank of America XXXX has an error to verify the account by the form having the error of being incomplete since the verification box will not reflect on the form. 

As a result of this I am unable to access activity in my account or use any on-line service provided under the term XXXX or any on- category. I could have opened my dispute myself but can not since Bank of America refuses to correct the form or send another form to verify my information. 
I do not understand why a Bank of America refuses to confirm their updated confirmation via phone or E-mail. 

Bank of America is terrible with awful customer service. 
XXXX
Consumer complaint received 2019-05-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FMA Alliance, Ltd. (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit eport from FMA Alliance , Ltd. on XX/XX/2019 in the amount {$4400.00}. First and foremost, I have confirmed that the debt collector, FMA Alliance, Ltd is not license in the state of Louisiana to collect on this debt. Secondly, FMA Alliance , Ltd. violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to FMA Alliance , Ltd.? I have never heard of them, have no written contract with them and have never received any benefits from them, yet FMA Alliance , Ltd. has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$4400.00}
Consumer complaint received 2020-07-21
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-10-30
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: Experian Information Solutions Inc. (OR)

On Friday, XX/XX/XXXX, I received notification from Experian of an email address change for my account with them. I did not initiate this change. My account was taken over. In an attempt to reset my credentials online, I discovered all the hacker needed was access to my email address, DOB and SSN. These XXXX pieces of confidential information have obviously been compromised. There is no obvious evidence of anyone unauthorized accessing my email ( although I acknowledge they are very capable of covering their tracks XXXX. On the Experian site, I also observed a partially masked email address of XXXX ( not my email address ) confirming their assertion changes had been made to my profile. Although I replied to the message I received from Experian, and sent an additional notification to the email address provided in their automated message, Experian does not have a phone number to speak to a human about this matter. Instead, I am left to contact each creditor and find apply all protections available to me with no assistance from Experian. They made this problem possible. I'm left to clean it up.
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Accounts : Capital One amt. claimed to be owed {$340.00}. XXXX XXXX XXXX amt. claimed to be owed {$400.00} I have sent 4 rounds of dispute letters to the 3 credit bureau 's. Starting in XXXX XXXX and the latest one was sent in XXXX of XXXX. After the 3rd round of letters, XXXX has been the only bureau to remove these 2 accounts mentioned above. The following was stated in my letters to XXXX and XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.

XXXX has responded to the 4th round of letters and have not provided verifiable proof as I requested. They also stated that they will no longer dispute these accounts again. Unverified accounts remain on my credit report. XXXX has not yet responded.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I payed off the largest of my student loans in full on XX/XX/2020 after negotiating that XXXX XXXX XXXX ( the debt collector for XXXX XXXX have the account completely removed from my credit within 2 reporting dates. They claimed to have submitted the files but there has been no report on my credit to ANY of the beauros, we're now going into XXXX and still nothing.