davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To whom it may concern, On a recent review of my credit report, I discovered your company, Bank of America continues to inaccurately report the account referenced herein. Previous attempts to resolve and dispute the debt has not resulted in a correction to my credit reports. Furthermore, in XXXX your company reported to derogatory/late payments to XXXX even though the account was never late and paid in full in XX/XX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing the derogatory payment history, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Account statement and an itemization of monies owed. 
Copy of bill showing last default date. 
Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 

I am also requesting that Bank of America cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to correct and/or remove the derogatory account payment history from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX   XXXX and Texas Attorney Generals Office.
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (NY)

Getting repeated calls from XXXX XXXX XXXX asking to speak to someone on their list that they are trying to collect a debt from. The people they tend to call about have my same last name and first initial, suggesting they are using intrusive automation ( I believe the term is 'raking ' ).
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I received a robo call on my husband 's cell phone ( XX/XX/XXXX at XXXX XXXX ) and was asked to hold for a live person. Live person identified as a debt collector. First violation that they did not have authorization to call this cell number. Claimed I owed {$3700.00}. I explained that I had settled the account on XX/XX/XXXX with the hospital XXXX and had a cancelled check showing it was cashed. I also explained that another agency XXXX had contacted me in XX/XX/XXXX about the same debt and they were given the same information and I had not heard anything else from them about the debt. I sent a letter to Capio Partners LLC on XX/XX/XXXX disputing the debt and advising that they had violated the FDCPA, FRCA and TPCA with a copy of the cancelled check showing that the account was paid. I requested they send a letter to me acknowledging that they removed from my credit file and show account paid and closed. They have not sent a letter and have posted this to my credit file.
Consumer complaint received 2022-03-29
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. (NC)

My credit report has over fifty inquires and it wasn't me that made inquires. My identity was stolen a couple year back and now there are lots of false claims of me. Along with other information ill be disputing I noticed this stuff recently. I've found that this is all false and fraud and I want something done immediately as it has halted my life. Its not fair at all that I'm suffering financially by this error and credit bureaus want do anything to help me. i have submitted police report as proof, as by law if they don't have my personal hand signature I'm not liable. I want this investigated and removed immediately.
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (IN)

I had an extended warranty that I canceled when i traded in a vehicle that I had financed through Santander. Once the loan was paid off in full The warranty company canceled it properly sent the refund check in the amount of {$1400.00} to the dealership who then sent the check to Santander on XX/XX/21. I submitted a ticket with the executive office on XX/XX/21 and gave them all of my accounts info in addition to a copy of the check and ledger that the dealership wrote to Santander with amounts and dates and check numbers who at first told me they never received any check from the dealership, then a few days later they told me that that The dealership mailed it to the wrong address and that the accounting team cant find it. Only after that conversation was it brought to my attention by the dealership and their bank that Santander had in fact not only recognized but had actually cashed the check on XX/XX/21. Santander then requested that I send them a copy of the back of the cashed check in order to verify this info. Santander has my money and has had it for weeks and is willfully withholding it from me and is attempting to pretend like they cant find it. 

Attached will be a copy of the check info as well as a statement from the dealerships bank showing that the check had been cashed and money withdrawn from their account on XX/XX/21
Consumer complaint received 2022-01-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Company Toyota motors : debt amount XXXX Account was open fraudulently I filed a complaint with identity theft I want this account removed from my report immediately my name was even spelled incorrectly it was opened XX/XX/2017 2017
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

Filed my taxes through XXXX and at the end of filing it stated I could receive my funds early, a refund advance if I used Credit Karma Money. They made it incredibly easy to open an account and get my advance sent there. Within an hour of receiving my money, my account was locked. They stated I could use my virtual card to make purchases and I made two purchases before it locked. I attempted to chat online with Credit Karma Money and said it was unavailable. The next day I sat on hold for over an hour to finally be told on the phone that there is an account hold and they need to verify information I told her thats fine I can verify whatever they need and she told me they cant do it over the phone. I chatted with 3 people during my call wait time, one ended the chat immediately after I state my problem, two told me they couldnt do anything and left the chat. The only way to fix my account is via email which Im not 100 % comfortable with but I am left no other choice. In my opinion, XXXX and Credit Karma Money are using predatory practices to get people to open a Credit Karma Money account but have no full intentions of allowing people to access that money. And give no solution as to how to fix the problem. Ive now been told I have to wait at least 24-72 hours for my problem to be resolved via email.
Consumer complaint received 2017-12-28
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. (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Sir or Madam : Re :  XXXX Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . XXXX is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I recently disputed a bankruptcy with Equifax. They came back and " verified '' it with XXXX XXXX. Problem is I have never given XXXX XXXX any permission to house a report on me let alone disclose any info to any 3rd party. If the US Courts don't share this information who has given Equifax or XXXX the authority to do so. I am demanding Equifax ceases and desist of this reporting or I will exercise ALL of my rights under the FCRA. XXXX XXXX has been sent this same communication since they are partners
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: LEXISNEXIS (NY)

I recently quoted with XXXX. I provided accurate information to XXXX in order to obtain auto insurance to replace my current policy with XXXX XXXX, which ends on XXXX XXXX. I was quoted $ XXXX/month for 6 months under terms that provided for several liability coverages, and also included {$200.00} deductibles for comprehensive and collision. 

Upon entering my license, XXXX stated they they found additional information in my reporting file from LexisNexis, and increased the rate to approximately {$1100.00} for a 6-month policy term. This rate was increased from about {$690.00}, a total increase of almost {$500.00}. 

XXXX indicated that the increase in the quoted amount was due to the LexisNexis report signaling that I have failed to continuously maintain insurance for the past 6 months. This is untrue ; I have maintained continuous insurance for over 2 years on various vehicles and my current policy does not expire until XXXX XXXX. 

This inaccurate information is going to cause me damages of approximately {$500.00} over the next 6 months. I want LexisNexis to correct the inaccurate information about me in their file, and for XXXX to honor their original quote, which reflected the accurate information that I provided them.
Consumer complaint received 2018-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TN)

XXXX XXXX - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
XXXX credit card - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
USBANK - Business account illegally opened without my presence, had a party unrelated to the company on the account who was in fact the one who had opened the account. A total of XXXX in fraudulent charges to this account. Only recently discovered this when an investor was looking into purchasing my business and began questioning all of the non business related expenses. Have reported to local law enforcement, company fraud division, FTC. 
XXXX XXXX XXXX  - unauthorized signer wrote XXXX check to a friend. Have reported to the bank, local law enforcement and federal reserve.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hired someone to assist me in helping me with some items that were due to identity theft and reporting them to the credit reporting agencies. I also faxed my information. I have not received a response and it has been been past the time frame. I have attached copies of everything I sent to them including the agreement I signed giving them permission to help me and contact me on your behalf.
Consumer complaint received 2020-05-29
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-03-25
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: Convergent Resources, Inc. (AZ)

A collection agency has a collection with my name as the user for XXXX XXXX, I never had XXXX XXXX and its not Associated with any of my known addresses. Its not my bill.
Consumer complaint received 2018-03-25
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. (TX)

I hired someone to assist me in helping me with some items that were due to identity theft and reporting them to the credit reporting agencies. I also faxed my information. I have not received a response and it has been been past the time frame. I have attached copies of everything I sent to them including the agreement I signed giving them permission to help me and contact me on your behalf.
Consumer complaint received 2021-02-06
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. (IL)

I have attempted to resolve these issue numerus time with the credit bureaus with no resolution. XXXX XXXX is reporting inaccurate and incorrectly. To start the account is still reporting as open and 120-149 days late, although the last payment is listed as XX/XX/2018. This would make the account way more than 149 days late forcing it into charge off status. Next the late day of payment is different on each credit bureau. If the information being reported is supposed to be " verified '' how are the dates different. Finally there is a collection from XXXX XXXX XXXX and a Bankruptcy that need to be removed as well because the information does not match mine. This entire situation is completely disheartening. How can these companies just report stuff then make us American prove that what is being isn't true of correct. The entire credit reporting world needs to be revamped. Because right now it is completely unjust!
Consumer complaint received 2018-03-25
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. (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per XXXX reporting regulations and the XXXX XXXX XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim XXXX XXXX ). Per law, any deficient of substantial and evident matters of fact XXXX XXXX ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > XXX
Consumer complaint received 2021-02-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from Experian, XXXX, and XXXX.
Consumer complaint received 2018-03-25
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: AES/PHEAA (MD)

The student loan company XXXX XXXX XXXX has giving me incorrect information about student forgiveness program. In XX/XX/XXXX I was told I would have a grace period and not make payments till XX/XX/XXXX. I missed payments XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX because given the wrong information. I have never missed a payment before that or was I late. I tried to dispute it but they denied it which is unfair. It hurt my credit very much and I would like a second opinion. This was not my fault.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am writing to dispute the accuracy of information being reported on my credit reports with Experian and XXXX. Upon reviewing my credit reports, I have identified several inaccuracies related to the fraud accounts from XXXX XXXX XXXX, which are not in compliance with XXXX XXXX guidelines and are in violation of the Fair Credit Reporting Act ( FCRA ). 
Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$16000.00} Current Balance : {$18000.00} Status : Account charged off. {$16000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate! 
Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$25000.00} Current Balance : {$26000.00} Status : XXXX XXXX XXXX. {$23000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate!
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NM)

About 20 years ago I purchased a small notebook from Best Buy. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with Best Buy and their pit bull debt collectors from XXXX XXXX, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.
Consumer complaint received 2021-02-06
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. (IL)

I have attempted to resolve these issue numerus time with the credit bureaus with no resolution. XXXX XXXX is reporting inaccurate and incorrectly. To start the account is still reporting as open and 120-149 days late, although the last payment is listed as XX/XX/2018. This would make the account way more than 149 days late forcing it into charge off status. Next the late day of payment is different on each credit bureau. If the information being reported is supposed to be " verified '' how are the dates different. Finally there is a collection from XXXX XXXX XXXX and a Bankruptcy that need to be removed as well because the information does not match mine. This entire situation is completely disheartening. How can these companies just report stuff then make us American prove that what is being isn't true of correct. The entire credit reporting world needs to be revamped. Because right now it is completely unjust!