davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized inquiries.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I closed my Bank of America checking account on XX/XX/2020 and they told me that I would receive a check in the mail containing the remaining balance on the account. As of today, XX/XX/2020, I have not received the amount. When I called Bank of America today, the customer service representative told me that they can't reissue the check as they don't have a tracking number on the previous check. As a result, I will be losing all of the bank account 's funds that I am owed.
Consumer complaint received 2018-06-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXXXXXX XXXX, XXXX, the loan servicer for XXXX XXXX, received my loan payoff via wire to their bank on XX/XX/XXXX. The payoff amount was given to me on XX/XX/XXXX by a different representative. The online activity statement shows the payment posted to my account effective XX/XX/XXXX.Their call center representative and supervisor said they posted the payment effective XX/XX/XXXX and therefore charged me 2 extra days of interest ( XXXX and XXXX ). They attempted to rectify this by offering to adjust for one day. I communicated that was unacceptable. Then the supervisor offered to take the full adjustment for approvals, but that wasn't certain. I'm concerned they are post dating loan payments and unwitting students and parents are over charged.
Consumer complaint received 2021-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

I XXXX XXXX entered into a consumer credit transaction with USAA in XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XX/XX/2019 USAA sent me a bill which is a violation of 15 USC 1692b.
Consumer complaint received 2021-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 


LVNV FUNDING LLC # XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. amount {$610.00}
Consumer complaint received 2020-04-30
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 (LA)

XXXX XXXX XXXX charges of {$380.00} were claimed as fraudulent charges. 
Received letter from Bank of America that fraudulent claim on account ending XXXX had been resolved and would be removed from my account. Previous account of XXXX Mastercard ending in XXXX was also involved but had been cancelled and closed. I also requested account ending in XXXX be closed and card cancelled. Subsequently I received a new card with account ending in XXXX. I never activated nor used this card but my statement arrived under the XXXX account with the fraudulent charges still on it. I attempted to rectify this by phone but was instructed by Bank  America employee to phone the vendor and tell them to stop billing me. This was absurd because I have no idea who the vendor was nor had any contact with them. Recently received my XX/XX/20 statement with the fraudulent amount on it plus late fees and interest fees on the fraudulent charges. Please assist in having these charges and the inaccurate reporting of the same on all three credit reports rescinded.
Consumer complaint received 2020-04-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Well basically, I have 6 hard inquiries on XXXX  which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false  -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ^ XXXX XXXX   XXXX XXXX XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, Usa inquiry from XX/XX/XXXX XXXX XXXX   inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on TransUnion, I have 4 hard inquiries which are -XX/XX/Amazon- inquiry from XX/XX/XXXX -XXXX   XXXX- XX/XX/amazon XXXX, FL XXXX ( XXXX ) XXXX -XXXX- XX/XX/PublicAccommodations inquiry from XX/XX/XXXX XXXX XXXX- XXXX   XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX   XXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

Credit card company : American express Issue : 1 ) I requested for a name change on one of my addition cards that I gave to my friend. This request was to change the card name from XXXX XXXX to XXXX XXXX 2 ) however, after serveral unsuccessful attempts, Amex effected a name change erroneously for my card and account. Amex had erroneously change the principal card and account from XXXX XXXX XXXX to XXXX XXXX instead of the request in ( 1 ) 3 ) upon realising this error, I contacted amex on various channels - online banking, online chat, tweeter for more than 10 times to rectify the error, however, they refused to rectify the error they had made.
Consumer complaint received 2021-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

chase bank - XXXX - XXXX XXXX NY. XXXX XXXX, international representative for XXXXXXXX XXXXXXXX XXXX XXXX  - XXXX and XXXX? somewhere - XX/XX/2021, I sent XXXX to XXXX XXXX to release a package for XXXX XXXX thru customs by XXXX XXXX. 
A couple of days later I sent $ XXXX to release from customs in XXXX a briefcase containing the money and a diamond necklace. 

They/XXXX and XXXX funding set up an account in my name as go between for XXXX XXXX. I have documentation of all of this. and emails and phone numbers. 

there is XXXX XXXX XXXX in XXXX - I am suppose to give another XXXX to have the XXXX code release all the money to me. 

allegedly - there has been XXXX taken out to pay an electricity bill to XXXX XXXX in XXXX XXXX CA. XXXX XXXX 's account that has not been paid for several months. - something about limited access to his funds by manager and wife. 

I have spoken to an FBI agent who said to contact my bank - no help there and Chase that received the funds ( XXXX XXXX ) and Cyber Security - XXXX XXXX / allegedly one of the same / does not know I have contacted any agencies in reference to this complaint. 

If I can get my monies back - that would be a great help - and alert others to these people. got nothing else to do with Covid rampant. 

call me or text or email anytime for more info.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX funding has no right reporting this account to my credit file. XXXX XXXX Bank is aware this is a fraudulent account and has deemed this account a fraudulent account. XXXX XXXX Bank sent me notice already stating this account was a fraudulent account and its documented on the account. At this point XXXX funding and all three credit bureaus will be sued for allowing XXXX funding to report this account. I want each credit bureau to reach out to the original creditor credit XXXX bank for verification. I already spoke with an attorney and I have a the right to sue for punitive damages. emotional stress and harassment due to this account being reported. Each credit bureau has 30 days to verify this account with the original creditor. I am going to request the XXXX XXXX XXXX investigate XXXX XXXX. I am fed up at this point.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (NV)

Sir/Madam, I wish to dispute a late fee that was passed on to the Reporting Bureau. This is in reference to Mercedes Acct # XXXX. Vehicle - XXXX Mercedes Benz XXXX convertible. The late fees were for XXXX and XXXX of XXXX. We are also asking to vacate the 30 day+ overdue on this Acct. The Covid-19 virus has disrupted my life and I'm trying to get back on track. Please contact Mercedes Benz Finance at XXXX continue the dispute process. 
Respectifully, XXXX XXXX
Consumer complaint received 2020-10-19
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. (NY)

I have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (CA)

I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt was taken care when I had purchase another car and the lender had taken care of the debt prior to purchase a new car after which is already more that 6 years never had any information on this matter. So when I saw this I deiced to write a letter to them and to the bureaus which I also send a copy of the letters of respond by Ally on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) On XXXX XXXX Ally had respond me stating that they could not find any information regarding this account and they need more information from me which some of it I do not have since I do not have the car and the other information they have it on records since i am receiving respond from them and if I am in collection they should have all this information on file ( see attached respond ) On XXXX XXXX I send them a respond to there letter and I have not heard anything else. 
On the same dates as I send the above letter I also send the same documentation to XXXX  to see if any of them can correct this mistake
Consumer complaint received 2021-07-14
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. (CA)

I am buying a house. I am a loyal customer of XXXX financial services for many years since XXXX. I have leased XXXX  each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XXXX sick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. XXXX  of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MO)

TD Bank revolving account on my credit file ( XXXX ) shows as negative for the mo and year of XX/XX/20 and under bankruptcy petition. Bankruptcy XXXX ( XXXX district of MO ) discharged XX/XX/20. Numerous disputes, nothing changes. After automatic stay this lender also has sent me collection statements more than once.
Consumer complaint received 2020-04-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to XXXX, XXXX, and Experian 30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (SC)

I had an old account with XXXX XXXX XXXX and Mid West Recovery Systems. I contacted both of the agencies and settled to pay my bills in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I gave boa {$3000.00} to secure a credit card in XX/XX/2019. 14 months later they have not returned the funds. Lying cheating thieves, this has been voiced in previous complaints. So far cfpb has done NOTHING.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harvard Collections, LLC (FL)

On XX/XX/XXXX I received a call from " XXXX XXXX '' at Harvard Collection Services LLC claiming that I allegedly owe a debt to their client, XXXX XXXX XXXX XXXX for a purchase made under my name with XXXX  on XX/XX/XXXX in the amount of {$410.00}. During the call, I asked her for information about where the company 's office located, who she was employed by, and whether her client claimed that it owed the debt. She stated that Harvard had an office in Illinois but refused to provide any information on XXXX XXXX. She finally admitted that she was calling from XXXX. Ms. XXXX was nearly impossible to speak with because she continuously spoke over me and then told me that under the law " I did not have the right to speak. '' I told her that I did indeed have the right to speak. Ms. XXXX asked me if I was " affirming the debt '' and " agreeing that I owed the debt. '' I advised Ms. XXXX that I did not have any record of such debt and that her actions were illegal under the FDCPA and the FCCPA because she was attempting to convince me into affirming a debt after I had advised that I disputed it and refused to acknowledge that the debt was not legally enforceable under Florida 's statute of limitations, Fla. Stat. 95.11 ( 5 year statute of limitations on debts based on written contracts and 4 year statute of limitations on debts based on oral agreements ). At this point she became enraged and insisted that her company " followed all the rules '' and that " I owed the money and should just pay the debt. '' When I attempted to explain how the statute of limitations works, she refused to listen to me and transferred me to her supervisor, " XXXX XXXX. '' Mr. XXXX reacted likewise when I advised him that I disputed the debt and that I believed his scheme was an attempt to trick consumers into affirming a legally unenforceable debt and restart the statute of limitations. He represented to me that he knew how everything worked with Florida 's statute of limitations and that I knew nothing and that I should not speak on the subject. Like Ms. XXXX, he became enraged and started to make abusive comments when provided him with a citation to the statute. I requested that Harvard Collections stop calling me. I do not have any written communication from either Harvard Collections or XXXX XXXX in my possession.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc. (TX)

NCB MANAGEMENT SERVICES for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through XXXX XXXX XXXX. This was written off in XX/XX/XXXXand and should have been removed from my credit report in XX/XX/XXXX. At that time NCB purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.