davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

I had a complaint with a company called XXXX XXXX XXXX - Acct # XXXX that was collecting a debt on behalf of XXXX in the amount of {$2400.00}. They were sent a certified debt validation letter on XX/XX/XXXX to provide validation of debt in which they failed to provide the following documents : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

Due to the debt not being able to be validated they removed the collection from my credit reports. I now see a the same collection for XXXX with with a different collection agency " Diversified Adjustment Service , Inc. - Acct # XXXX '' collecting in the amount of {$2400.00}. This company was also send a debt validation letter on XX/XX/XXXX requesting them to provide the following documents above. The company proceeds to send me a bill and a lease agreement with and address in OHIO that is not affiliated with me nor belongs to me. I also included a police report to this company advising I have filed a fraud report and this debt does not belong to me. 

The documentation that was provided by not only XXXX XXXX XXXX ; but from Diversified Adjustment Service Inc. as well are entirely inaccurate and incomplete. I have no knowledge of this debt and this debt does not belong to me. Just as the previous company could not validate this debt and removed from credit report ; Diversified Adjustment Service Inc. should do the same as well as they are selling these debts to different agencies when they have failed to validate these debts in compliance of the FDCPA guidelines 15 U.S.C. 1692. 

I asked that if they could not validate my debt by providing the following documents within 15 days of this complaint they will need to remove from my credit reports or I reserve the right to sue their company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. I have also included proof of my signature which DOES NOT match with the same documentation sent to me by both XXXX XXXX XXXX and Diversified Adjustment Service Inc.
Consumer complaint received 2020-09-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I lost my job in early XXXX due to the pandemic I struggled to make payments however I made them. Kia Motor Finance has refused to help when I finally spoke to them it took them over 4 weeks to send me documentation for the modification of the loan. Through no fault of Mines even though I contacted them before my payments showed late and due to their continued lack of urgency they sent all documentation late and have refused to help when they finally. Sent documentation I was over 30 days late due to their lack of trying. Then they continued to report me late even though we have a current agreement signed of my modification of the loan. This has impacted me negatively they arw charging me for late payments and reported late 's even though a fully executed modification agreement was signed on time. 

I need help they will not assist nor answer in a timely manner. This is plain out consumer ripout.
Consumer complaint received 2018-07-27
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. (GA)

My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with Experian and XXXX  and they keep denying my dispute stating it is accurate when it is not at all accurate.
Consumer complaint received 2023-03-29
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2019-08-17
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. (CA)

I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXXthru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Consumer complaint received 2018-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XXXX XXXX XXXX XXXX, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX reports open collection days after unauthorized hard inquiry of capital one account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt Capital One charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt
Consumer complaint received 2019-08-13
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: Alco Collections, Inc. (CA)

I have a collections account on my credit report that I have no knowledge of and it has been disputed multiple times.. I have been trying to contact the creditor for over four years to take care of this debt. I have called the number listed numerous times and left messages. I have not received a call back. The debt is minimal and I would like to pay it after I verify that it is mine.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA likes to find magically ways to charge NSF fees. They will post some deposits the same day but other deposits the next day. NSF charges with most banks are charged the same day a transaction is returned, USAA will charge this fee on a day a transaction was not presented. This time I moved the money to cover the balance needed and instead of them paying the transaction, they sent the transaction back and posted a few the next day. The fee puts the account below the amount needed to pay the transaction of course, but had they posted the deposit as they should before any debits, this wouldn't happen. This is the 2nd time this has happened, oddly enough had an account with another bank and these types of things never happened. Please investigate the unnecessary fees being charged by this bank.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

I received notification that a collection account was added to my credit reports on XX/XX/2019. I filed a complaint with CFPB on XX/XX/19. The company responded on XX/XX/19 that they would contact the creditor and send me documentation of this alleged debt. I never received the documentation. On XX/XX/19, I sent a debt validation letter to the company addressed to XXXX XXXX at XXXX as per his response to my CFPB complaint. It is now XX/XX/19 and I have not heard from the company at all in regards to this alleged debt. They have not been able to provide any documentation showing that this debt belongs to me. I want this account removed from all credit reporting agencies immediately. 

Please see CFPB Complaint XXXX
Consumer complaint received 2020-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

I opened a Chase bank account online on XX/XX/XXXX. The account was created successfully and I received the account number a several emails welcoming me to Chase bank.

On XX/XX/XXXX I was unable to login to Chase.com to access products I currently have with Chase, credit cards and mortgage. The message I received was " We weren't able to sign you in ; please call us so we can help. Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ... '' After calling customer service I

was routed to Operating Loss Prevention, which informed me that Chase decided to end their banking relationship with me and that no reason would be provided. My account access would be unlocked in 10 days, once they've had a chance to fully close my Chase banking account and any deposits I had made before the account was closed would be returned to me via check in 10 business days, any future deposits would be rejected. After calling several times and asking management for an answer, I was read the same script and provided answers such as Chase can choose to end a banking relationship for no reason, similar to how a consumer can chose to end a relationship for no reason. 
I have already purchase checks for this account around {$30.00}. I also rerouted my direct deposits to this account from my old XXXX XXXX XXXX account, which had to be undone on XX/XX/XXXX. My direct deposits did not reach my XXXX  XXXX XXXX account and were likely declined by Chase. I now have to see what options my payroll department has for resolving this issue. I have lost significant time and effort and funds trying to determine why Chase decided to close an account of a current customer without notice or explanation. This is an unfair practice.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX  XXXX Account # : XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX  XXXX Account # : XXXX
Consumer complaint received 2020-11-22
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. (VA)

I checked my bank account back in XXXX and noticed a deposit of {$100.00} to my main, personal checking account from XXXX. I had never heard of this service before this date. There were many other fraudulent issues on these accounts as well that have all been resolved except for this one. I tried to reach out to them, which is nearly impossible unless you have an account there, and I was directed to their fraud department. 

I don't remember this exact date, but it was some time in early XXXX. I was told I would receive information to send back to them and this was never sent my way. 

On XX/XX/XXXX, I called and got a fraud case set up for me and they sent me information to fill out. I sent them an email to the email address they provided with questions regarding the documents required on the XXXX. In this email, they explicitly stated I had 15 days to return all these documents. 

On the XXXX, the same day I sent my questions, I got an email saying the case has been resolved/closed due to lack of response from me to the company. I then sent another response to that email saying I had questions that didn't get answered and then asked if my case was actually resolved or if they were just closing it for inactivity - even though there was activity. 

On the XXXX, I received another email claiming a different ticket was closed. Again, no questions were ever answered. 

I was reaching out to them to begin with because the account that was opened in my name is late and is hurting my credit score. I have filed disputes with the 3 main bureaus and I am concerned that they are going to reach out to MoneyLion and XXXX will claim that I haven't tried to resolve it with them - even though I clearly have. Another concern of mine is the fact that they have a different amount than what I see. I received {$100.00}, they have that it was {$150.00}, but my credit report is showing approximately {$500.00}.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

can you please help me out my account was closed recently I really apologize if Ive done anything wrong I do not know what Ive done I have been a customer of since 2006 Bank of America they kept my money and I dont know how long is gon na take to send me a check Can you please help me out to get it in the branch I need to pay my rent I have XXXX kids That's all the money I had my name please help me out I need to get it in a branch. I do not know how to pay my rent how to buy a food For my kids please you guys don't do this to me I need my money that I made it with my own Hinge working hard Day-and-night to support my family Please that's what I have I'm struggling right now Please help me GET MY {$4000.00} MY MONEY PLEASE God-bless
Consumer complaint received 2020-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Hi Team, Thank you for your time. 

A gentleman used his credit twice to lease XXXX and XXXX Hyundai. I made the payments. XX/XX/XXXX loan papers completed to buy out lease of the XXXX. I am listed as the buyer and the gentleman as the co-buyer. 

{$36000.00} financed, {$780.00} per month covered by me for XXXX months. With no communication or request, the gentleman paid the next XXXX payments. I paid XXXX. On 29 days past due, the gentleman hadnt surprised me with the mystery gifting. Hyundais website would not allow me to make payment as it had the XXXX previous times. Photographed and later sent to Hyundai dispute department, the screen notice reads : Your account is not eligible to make a one time payment at this time because your account is inactive or you have no more payments remaining .... Customer Service : XXXX XXXX XXXX XXXX. 

XXXX XXXX, financial services rep available. I made the payment. The rep said to me, good thing you paid, you can be towed on the 31st late day when there is a LEGAL HOLD on your car. What is that? ... .. she talked to management and then relayed to me that she could only talk to the buyer or his ATTORNEY. What attorney? 

My XXXX club could not tell me what a Legal Hold was, in this scenario. DMV could only tell me that the record looked good from their end. Hyundai dealership that sold me the car could only instruct me to try corporate again. I did, and same as before, they would not tell me what was going on. I was told it was being escalated to the RECOVERY DEPARTMENT. 

I use my name and social for all login and verbal communication with finance. The finance website labels the account with gentlemans name. A payment history I recently requested came to my temporary mailing address in the gentlemans name. Hyundai Assurance Car Care mailings are addressed to me. The California DMV registration reads : Me or the Gentleman. 

Why did the dealership have the XXXX year old gentleman sign as co-buyer if it was only his credit that makes the sale possible? Why did Corporate then reverse those positions? Is this just a Legal way to make the sale and get the numbers to crunch? Why does the attorneys presence get the company to stop treating me as a loyal customer? 

A Promise to Us written in the sales contract I signed reads : You ( I ) agree not to expose the vehicle to misuse, seizure, confiscation, or INVOLUNTARY TRANSFER. I will keep this aspect of the contractual promise just as I have kept my payment promise. What possibly could I have done improperly to deserve being kept in the dark about why the car I am faithfully making the payments on is being referred to the Recovery Department?
Consumer complaint received 2018-07-27
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. (WV)

I disputed a negative account on my Equifax credit report where I was a authorized user only and not responsible for payment XXXX and XXXX  deleted this account from my credit report with them but Equifax refuses to do so
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

On XX/XX/2018, USAA closed all of my banking and investment accounts- no reason was given. They also closed my wifes investment accounts and credit card. We have excellent credit scores and are shocked that this has happened.

We are confused and feel that we have been taken advantage of.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in XX/XX/XXXX for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate. 

I will be escalating this matter further! 

A creditor is not allowed BY LAW to continue punish you after a legal discharge of the debt. Capital one is in violation of the FCRA by reporting a balance other than XXXX dollars to the credit bureau. This matter needs to be address immediately. This Bankruptcy was filed in XX/XX/XXXX, why am I still dealing with this issue???
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

On XX/XX/2018, 18 fraudulent transactions were debited from our PNC checking account totaling almost {$1800.00}. I promptly disputed the transactions, opened a new account as per their advice so that we dont touch or use the account while the bank conducted their investigation. Our account had a positive balance of {$150.00} before the occurrence of the fraudulent transactions. 

I visited the PNC branch on XXXX and XXXX in XXXX to get updates re : this account. Several times I visited with XXXX XXXX, branch service associate, who was helpful in trying to understand what was happening. He had contacted customer service/escalation dept. to get information so I can recoup our {$150.00}. 

I did some phone calls myself and was completely surprised on one of those calls to learn from customer service/ escalation dept that they can not help me anymore because the account was closed and was charged off/sent to collections because of a negative balance of {$570.00}. There were several shockers in this : the account having a negative balance ; the account being sent to collections without any effort to contact us ; and me learning about all these only after calling to follow up on the investigation. 

After several more visits with Mr. XXXX, the bank was proud to be able to reverse/refund some fees/transactions ( that should have happened anyway relating to disputed fraudulent transactions ). They sent us a check in the amount of {$37.00}.