davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
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. (GA)

TransUnion did not investigate an account on my credit profile for XXXX XXXX XXXX this is not my account and I have never had an account with them TransUnion did not investigate an account on my credit profile for Dept of Ed/ XXXX this is not my account and I have never had an account with them TransUnion did not investigate an account on my credit profile for Us Dept . Of Education/XXXX
Consumer complaint received 2020-06-02
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: JPMORGAN CHASE & CO. (NM)

singed up for a Chase credit card in order to receive discount on a purchase on XX/XX/2020 through Amazon. Did not intent to use card I just signed up for card to get discount. I intended to use existing debit card on file. Since I did not activate the card I thought I was paying with debit. Purchase went through on new chase card and I did not realize. I thought I needed to activate card in order to make purchases. Chase reported me to the credit reporting agencies and has damaged my credit. Chase refused to issue letter to reporting companies.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

The following fraud checks were written on our business checking account at XXXXXXXX XXXX, the checks had our incorrect zip code on the fraud checks. # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX There was another check that came to the bank after these checks but the bank send that check back as a fraud. We first called XXXX XXXX on XX/XX/XXXX to report the checks sent through our account were not our checks. We were advised to come to the bank the next day to sign an affidavit. We went to XXXXXXXX XXXX  on XX/XX/XXXX to complete all the necessary paperwork, we were advised on that date that we would be reimbursed for the money taken out of our account but was told it could be several weeks. On XX/XX/XXXX we received an e-mail that in order to be reimbursed we would also need to file a police report. We filed the police report on XX/XX/XXXX. We received the report from the police station on XX/XX/XXXX and submitted it to XXXXXXXX XXXX  at that time. The checks were cashed at a Bank of American in New York. XXXXXXXX XXXX  has advised us that Bank of American has not refunded the money to XXXXXXXX XXXX, therefore we have not received our funds back in our account.
Consumer complaint received 2020-09-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

In XXXX of XXXX I filed a dispute with XXXX  in regards to a collection account being reported on my credit report i received a response in late XX/XX/XXXX that the account had been VERIFIED as belonging to me and would continue to be reported on my XXXX  credit file. I since a 2nd dispute notification to XXXX  in XXXX of this year XXXX, I received a response from XXXX  dated XX/XX/XXXX that stated " The disputed item is not currently reporting on the XXXX  credit file '' which was FALSE and I suspected that so I pulled my report via my personal XXXX  account and sure enough the collection account was still being reported on my XXXX  credit file as of XX/XX/XXXX. In XXXX of this year I filed two separate disputes with XXXX  because I have yet to be provided with detailed VERIFICATION that this account belongs to me nor is by dispute even being investigated. I received two separate responses from XXXX  none that provided Verification of the account belonging to me. In XXXX of this year I contacted the debt collector and the company responded that the debt was SOLD to them in XXXX to XXXX but provided NO information that VERIFIED I owed Portfolio Recovery Associates {$940.00},
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MI)

I am requesting to file a complaint against Kia Motors Finance for incorrectly reporting my account as a charge off. I was involved in a car accident in XX/XX/2019, ( which I may include my air bags did not go off ). Following the accident, I received a balance of {$1500.00} in XX/XX/2019, that was still owed for my deductible and miscellaneous issues ( low tire tread, etc ), even though my car was considered a total loss. I did not have {$1500.00} to pay Kia up front, so I contacted them and was told by a representative of Kia, that I would need to pay {$250.00} a month until it was paid off. ( All calls are recorded, which I also requested to pull and listen to ). I had zero issue with that and I agreed to this {$250.00} per month payment and made payments monthly until I paid it completely off on XX/XX/2019. 
XX/XX/2019, I received an alert from the Credit Bureau that I had a negative remark on my account. After reviewing the remark and my severally dropped credit score, I noticed Kia had reported my account paid charge off. I was completely shocked considering I made the payments requested every single month. I contacted the Credit Bureau immediately, XXXX, to dispute this remark. I also took time out to write Kia my own dispute via mail on XX/XX/2019, stating that I never have been late on any payment with them, or ANY payments in almost 6 years of credit history. I attached all of the information located on my credit report for XXXX, XXXX, XXXX and XXXX as reported ON TIME. They did not report any months as late. Also, the summary of my Kia account stated zero late payments. I requested that Kia report my account as paid off, closed. On XX/XX/2019, I contacted XXXX to get the results of my dispute and was told that Kia stated my account was reported correctly as charge off. On XX/XX/2019, I was alerted of yet another remark of a late payment on my credit report for XX/XX/2019. Kia went back on my credit report and change my ON TIME payment to LATE! I can not believe they changed it, to cover themselves. 
Charge offs typically dont happen unless payments are severely late. When you start missing payments, creditors first send letters reminding you of your past-due bill. I never received a past due bill and my account was never sent to collections. 
This charge off remark dropped my credit score from a 750+ to XXXX. I have never had derogatory remark on my credit score and always have made my payments on time. Kia is dramatically hurting my credit now and my future. Especially of being a home buyer by inaccurately reporting information incorrectly. If this does not get removed from my credit report, I will be contacting an attorney for future investigation.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

My XXXX XXXXXXXX XXXX was totaled out after a car accident in XXXX of XXXX. Fifth Third bank completely shutdown their total loss department duty to covid and was only accepting emails. They continued to count my car payment late for months because they took their time responding back to my insurance and gap warranty companies. Eventually they reported that my car was being repoed which is impossible because the car was totaled. Eventually I got a letter in the mail stating I owed an additional {$890.00} after my car insurance and warranty paid their balances. They falsely reported to my credit report off of that information.
Consumer complaint received 2020-10-21
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 — Their investigation did not fix an error on your report
Company: CarMax, Inc. (TX)

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX CARMAX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
Consumer complaint received 2020-10-21
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: Westlake Services, LLC (TX)

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last XXXX digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (VA)

Due to COVID and a lack of need for a second car, I decided to turn my XXXX  XXXX back in to the dealer. I was assured no termination fee would be assessed. At the dealership, I asked once again before handing in my keys, what do I owe? The dealer said, " Nothing. Good to go. '' We signed releases and left. 

I received a notice from XXXX the next day that not only did I owe payments for the car I just turned in for the next 3 months, I was assessed a XXXX dollar termination fee. I reached out to the dealer 's manager, and have heard nothing back. I reached out to XXXX XXXXXXXX XXXX and they said if I purchased a XXXX they would waive the fees. They said if I had any issues to talk to the dealer who " made a deal with me '' to see if they can waive the costs. 

To avoid the hit on my credit, I am paying the fee on the due date. But I believe this to be an unfair treatment of a customer who has been a loyal XXXX customer for 10 years. The vehicle at least maturity was supposed to have XXXX miles on it. I turned it in with less than XXXX. How is this fair? They've likely sold it already and made a profit.
Consumer complaint received 2020-10-21
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: Santander Consumer USA Holdings Inc. (TX)

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  SANTANDER CONSUMER USA XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
Consumer complaint received 2023-02-21
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: BARCLAYS BANK DELAWARE (FL)

XX/XX/2021 I bought tickets with Jet Blue to XXXX XXXX that were non refundable tickets so I bought travel insurance which was charged to the Barclay 's bank credit card associated with Jet Blue. One of my family members XXXX XXXX and I cancelled the trip. When I called Jet Blue they said the tickets were non refundable tickets upon which I replied yes but I have travel insurance. I called Barclay 's and initially they refunded the money but then they sent me a letter stating that the merchant had not violated the terms and conditions. This was not true since I had purchased trip insurance through Jet Blue as well on the same transaction. They finally sent my account to XXXX XXXX XXXX XXXX to try to collect on the account.I have never failed to pay anything but I feel this account was incorrectly handled. I tried to correct it on my own but have failed. I would appreciate any help I can get to resolve this matter and get it off my record.
Consumer complaint received 2020-05-06
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. (FL)

I have been fighting with all three credit bureau for two years now. i have been sending letters by certified mail to dispute things on my credit report .they have not taken the time to fully investigate anything. for example if i dispute four things with XXXX they will dispute one item then remove it from my credit report then two weeks later the same information pop up but under a different debt collector name. 

XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX All three continue to disregard any request to fully investigate. Every letter that was sent have been notarized.Within a week these credit bureaus will come back and say they have fully verified all the information on my credit report I thought it normally take 30 days to investigate. They allow any company out there to report false information on your credit .This has caused alot of stress in my life, the fact that they allow this thing to happen as if they just get paid just to report and dont care on the lives they ruin in the process. This needs to stop.
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

XX/XX/2016 Portfolio Recovery Associates falsely reported to my Credit Reports that I owe them a debt of {$460.00} that was not mine. My identity was stolen by my ex-husband. He opened up credit cards and sent all kinds of collections to my Credit Report. I have successfully removed all of them except this company. They wont even talk to me, they just yell at me. One of them even cussed me out when I was on the phone with them trying to do a pay for delete. I need this removed.
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (IL)

I recently noticed incorrect and false information on my credit report. please see attached Ftc report that was filled to remove false wrong information from my credit report as I have also been compromised due to the Equifax data breach. pLEASE remove the public record accounts immediately.
Consumer complaint received 2020-05-06
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-08-07
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: JPMORGAN CHASE & CO. (CA)

XXXX ' client XXXX XXXX is an ID theft victim ; his information was used without his consent to apply for several credit cards. While those applications were denied the applications resulted in an inquiry left on his credit reports. We have notified the card issuer officially with a dispute in writing as outlined by the FCRA however a credit report shows Chase is still reporting the inquiry to XXXX. The fraudulent application was submitted XX/XX/XXXX ; our office started the dispute process XX/XX/XXXX and again XX/XX/XXXX when Chase violated the FCRA and continued to report the inquiry.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. 

Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


XXXX XXXX XXXX  XXXX XXXX # XXXX
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (IL)

I recently noticed incorrect and false information on my credit report. please see attached FtC report that was filled to remove false wrong information from my credit report as I have also been compromised due to the XXXX  data breach. pLEASE remove the public record accounts immediately.