davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dobberstein Law Firm, LLC (WI)

This agency/law firm/debt collector sent collection letters for an extended amount of time to the WRONG ATTORNEY IN WISCONSIN XXXX, WI. Per the XXXX XXXX XXXX XXXX XXXX, this complaint closed and the attorney was found to have made the error unintentionally. As of XX/XX/XXXX, a judgement for {$3400.00} was filed and ordered. Currently, incorrect information is listed on this case. The Wisconsin Public Records states for this case has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI as a c/o recipient to receive mail effective XX/XX/XXXX. This information is false. XXXX XXXX was not retained as my attorney for this case on that date. Neither XXXX nor I were aware of any attempt of debt collection prior to XX/XX/XXXX. Dobberstein Law Firm, Attorney XXXX XXXX, admitted to mailing any and all collection documents to the wrong attorney. I, XXXX XXXX, was unaware of attempts for contact or collection in XX/XX/XXXX until I received solicitation letter mail from Bankruptcy Attorneys notifying me that I was being sued. Not only did this law firm send all attempts to collect debt to the wrong attorney, the county court house included the wrong address to send correspondence to after the judgement was filed. I will not receive any documents regarding a pending garnishment, nor will my attorney, since the debt collection law firm made valuable mistakes with legal documents. I was not notified in the proper amount of time to work out a repayment plan before a court date was scheduled. After the court date was ruled in favor of a garnishment, the debt collection law firm continued making mistakes when submitting information to the county clerk. As of XX/XX/XXXX, the name of the representating attorney is correct, but the wrong mailing address. This law firm should be held liable for malpractice.
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank XXXX are reporting XXXX accounts on my credit report. I have sent them letters asking to validate the date, also my Affidavit from XXXX along with copy 's of the police report and my ID card has been sent requesting to have the information removed from my report. I am not able to get any information from them nor has this information been removed. I contacted XXXX again in XXXX and it has not been removed with all information that was sent to them but information is still reporting on XXXX. I need help with getting this information reported as to I do not owe this debt
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I trust this letter finds you well. I am writing to bring to your attention a critical matter regarding my credit report obtained from your bureau. Upon reviewing the report, I discovered fraudulent accounts, particularly XXXX XXXX XXXXXXXX, inaccurately associated with my name and Social Security number. I believe I am a victim of identity theft, and I am taking immediate action to address this issue.
Consumer complaint received 2018-01-04
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. (IL)

I have disputed a inaccurate information pertaining to a chapter XXXX bankruptcy that is showing on my Equifax Credit report on more than one occasion. Each time Equifax "investigates" the inaccurate information they respond back and say that the information has been verified through the 3rd party company "XXXX XXXX". There is a chapter XXXX bankruptcy with case XXXX  showing on my credit report with a filing date of XX/XX/XXXX. I have contacted XXXX XXXX as well as the IL Fed Bk Ct and they show no records of a bankruptcy being filed by me with case # XXXX on XX/XX/XXXX. But yet Equifax insist that the information is correct and has been verified. Further more XXXX XXXX states that they have never verified this information to Equifax nor any other credit bureau as this information does not exist. I have contacted Equifax on several occasions to have this inaccurate and unverified information removed from my credit report as required under the FCRA since the information is not accurate and can not be verified as accurate. Equifax continuously violates my rights under the FCRA and and deliberately lies in their responses to myself and the CFPB.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IN)

I received an alert on my XXXX XXXX account that there had been a change on my credit report, I logged into my XXXX account to review. On XX/XX/XXXX XXXX ran an inquiry on my credit. I contacted XXXX XXXX and was told I had to contact XXXX ( XXXX XXXX XXXX XXXX XXXX SD XXXX ) .to find out why they ran the inquiry and to have it removed from my credit report. 

I talked to 4 different people there including a supervisor none of which could tell me why the inquiry was done. I have not applied for any new credit or for a credit increase. To my knowledge it is illegal to run an inquiry without my consent, In these days of identity thief XXXX an very concerned about this.XXXX also told me that they could not remove this from my credit report since I did not have an account with them. Then how and why did they run an inquiry,
Consumer complaint received 2017-11-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent dispute letters to Transunion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX certified mail. I have not heard from them. I have not received any of the documents I have requested to verify the information that is on my credit report. There are a number of inaccuracies that are on there. The same dispute letter was sent to XXXX  and all accounts that were disputed were removed.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2017-11-29
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: AMERICAN EXPRESS COMPANY (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXX XXXX dated XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and AMERICAN EXPRESS dated XXXX/XXXX/XXXX, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION (WI)

This involves a car loan ( XXXX ). The first issue I have is that the credit union was misleading in omitting to inform me of fees associated with the payment of the loan. In this case, now that I paid off the loan is when I learned there is " {$35.00} '' fee for the credit union recording a lien with WI 's DMV. 

Second, I have been in contact with the credit union since XXXX.17 about my issues and have requested several times proof that the credit union paid this fee and that the matter be escalated to someone with authority to dig deeper into my request. So far, nothing. They claim the paid it, but that there is no invoice/documentation for it. What if the fee was actually {$5.00}? {$0.00}?
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have submitted an offer on the home for a short pay because the home is an underwater loan. I offered to pay the note holder the FULL amount of the appraisal on the property. I've sent letter since last year letting them know I was in financial XXXX and that it was getting harder and harder to pay the mortgage. I was choosing between paying for the home or food on the table. Finally I had to stop paying on the home because the payment was to much. However, if they would have worked with me I have a loan secured to pay the amount I offered which is the appraisal amount. This seems like a good solution to me since it would benefit both parties. I wouldn't lose my home and the note holder wouldn't incur foreclosure fees. I have a loan secured until XX/XX/2021 to take care of this and have told this company numerous times I need to know if this can happen before this date or I will lose my home. I have worked since I was XXXX XXXX XXXX, always had a job and raised XXXX kids. This company is determined to see me lose my home and if it wouldn't have been for this pandemic I don't think this would have ever happen. My whole family had XXXX and we have struggled with the virus and financial problems since the start but I held on as long as I could and instead of helping me retain my home this company would rather see me lose it. I have even told them I have a XXXX son but does that matter. It a sad day in this country when a XXXX dollar company would see a family lose everything it has worked for instead of helping them. I have paid more so much in interest on this loan it's done paid for the money borrowed and then some but XXXX is the new Normal in our country. 
It's not about helping the person that has worked hard all their life. Or to the family that whose husband served in the XXXX to defend their freedoms so they could take advantage of people like me. This company is all about taking and taking!
Consumer complaint received 2020-07-13
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. (NV)

I reached out to XXXX  and Experian diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate
Consumer complaint received 2021-09-25
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: ENCORE CAPITAL GROUP INC. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-09-25
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: FRESNO CREDIT BUREAU (CA)

The monthly payment, terms, credit limit, past due, and date of last payment are not reported. Your agency continues to report this account inaccurately. Your agency failed to provide complete and only correct information.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

After pulling all 3 of my credit reports, I 've notice a collection debt from National Credit Systems INC after my own research for an apartment complex that do not exist said XXXX XXXX is called XXXX XXXX XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no  judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the National Credit Systems has reported and it is not mine. I request that NATIONAL CREDIT SYSTEMS INC IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED INACCURACY MUST BE DELETED BY LAW!
Consumer complaint received 2022-01-06
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: CITIBANK, N.A. (CA)

On XX/XX/2021 I purchased some car floor covers on XXXX using my CitiCard, I was billed {$310.00}. I returned these items, and XXXX confirmed receipt of the return and claimed they were giving me a full refund. This refund never occurred. I disputed the charge and CitiCard has not resolved the matter although they were given evidence of the items being returned via UPS tracking number and the email confirmation from XXXX. It has been over six months no resolution and they ignored by evidence. I sent it back with UPS trackingXXXX. Oddly, this was confirmed by XXXX but they then only refunded {$21.00} of the order, not the full {$310.00}. This partial refund confused CitiCard and they claimed I was full refunded. I attach the original invoice, and the proof of only partial credt.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX XXXX, I attempted to make a transfer through XXXX XXXX using my debit card. XXXX declined the transaction due to a mis-match on my phone number, though the {$83.00} was charged as pending to my BOA account XXXX ( RT ) XXXX ( acct ). I called XXXX XXXX to instruct them that the transaction was approved and already posted XXXX as pending. They advised that they showed no {$83.00} transaction pending in their system. 

They participated in a 3 way all between myself and BOA to explain why the transaction would not be processed by XXXX. The BOA representative told me to call back on Tuesday ( today, XXXX XXXX, XXXX ) if the pending transaction for {$83.00} was n't refunded to my account. NOW the associate tells me that I ca n't have my money back until Friday. 

This is {$83.00} authorized, but never captured from BOA ... you still have the money. There is no reason why this error should be withheld from my available balance for a week. 

The pending transaction is UNAUTHORIZED as a transaction that will never be processed. Under Federal Regulation E, I have the right to that money right now. At the time of the 3-way call, BOA confirmed that all these instructions would be noted with the transaction, which appears not to be the case. I was told by BOA ... it 's just a computer, beyond any human control to change it.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 I put a refundable deposit down for a XXXX XXXX for {$100.00}. In XX/XX/2021 I cancelled the order and the deposit was to refunded within 7-10 days. It was not issued. I disputed the charge and sent the refund documentation to Bank of America XX/XX/2021 and have heard no response. Here is the B of A charge information : XXXX XXXX XXXX XXXX CA Transaction date : XX/XX/2021 Card type : Visa Transaction type : Purchases Merchant description : CAR AND TRUCK DEALERS ( NEW & USED ) -SALES, SERVIC Merchant information : XXXX, CA Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX XXXX XXXX merchant name Transaction Category : get more information about transaction category Transportation : Automotive Expenses Select toEditthe transaction category Online Purchase : N
Consumer complaint received 2021-09-25
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. (FL)

In 2017, I was a victim of the XXXX data breach and my personal information was stolen. The thieves used my information to open credit cards, checking accounts, auto loans, personal loans, even get a job with my information which left me completely distraught and my credit score in complete disrepair. I contacted Experian several times to remove these fraudulent accounts that were reported on my credit bureau file and they neglected me to no avail. Experian stated in their last response to me, contact the creditor 's directly, which I had already did prior to reaching out the Experian and was awaiting a response from the creditor. This specific complaint is about a XXXX XXXX XXXX credit card account that shows a charged-off status with a recent {$8600.00} written-off balance that was fraudulently opened. Please see the attached letter from XXXX XXXX XXXX where they confirm that the account was opened fraudulently, I highlighted the most important sections for easier understanding.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focus Holding Company (IL)

FOCUS FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY. 

IGNORED CEASE AND DESIST AND AND DO N'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL ( GOT PROOF ).
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Larry H. Miller Group of Companies (CO)

In XX/XX/XXXX I purchased a XXXX XXXX XXXX from the dealership XXXX XXXX XXXX XXXX XXXX. I was told I only received financing from 1 company. I believed them since I knew I had credit issues and this was a new start fresh. I did not know at the time the company I received financing thru was owned by the dealership. If I had known I probably would not have gotten the car. When there is no disclosure of business relationships its hard as a consumer to make informed decisions. 
I was later been made aware that I received an offer from XXXX XXXX as well as XXXX XXXX but was never given the option of this other financing company. Since obtaining this loan I have been unable to trade it in because of a lawsuit with the car and the amker and the value has since been cut in half of what I owe.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY XXXX  LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.
Consumer complaint received 2018-01-04
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. (GA)

On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.