davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (VA)

I received a bill for personal property tax from my previously financed XXXX XXXX XXXX for {$230.00} from XXXX County ( see attached notification from XXXX ). This bill is incorrect, as it was levied based on the car being registered for 7 months ( see attached bill from XXXX County ) -- this is impossible since the plates were transferred from the XXXX XXXX to the new XXXX XXXX XXXX I leased in XX/XX/XXXX. I can provide a copy of the registration for my new XXXX showing this. XXXX County informed me the disposal date with the DMV needs to be updated and/or paperwork filed. 

I was informed by XXXX ( refused to provide her last name for " personal privacy '' ) with Honda Financial Services today, XX/XX/XXXX, that I must pay the full, incorrect amount, wait 2-3 weeks for XXXX/Honda Financial Services to file an abatement, then wait another 8-12 ( " possibly longer '' ) weeks for the state of Virginia to respond and THEN be issued a refund. 

The fact that XXXX paid an incorrect bill is not my fault. The fact that Virginia issued an incorrect bill is not my fault. 

I estimate my actual tax burden to be around {$100.00} ( 25 % or 3 months ' of the full years ' tax ), and I am happy to pay that amount.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

In XX/XX/XXXX the vehicle was repossessed by Santander USA, and sold. It was reported to my credit bureaus that the remaining balance was {$18000.00} after paying on it since XXXX. I never received a letter showing how much the vehicle was sold for, nor did they show any deductions for this. I have disputed this information directly with Santander, and they sold the debt to a debt collector. This has made my credit worthiness decline, and has caused a great deal of financial strain. Please resolve this issue between me and Santander USA.
Consumer complaint received 2020-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I submitted my original dispute, via TransUnion, with XXXX XXXX XXXX XXXX stating the amount reported and status of the account is wrong. ( This account has been closed with a {$0.00} balance since XX/XX/XXXX, with the deposit returned to me on XXXX ). TransUnion came back and stated that the information was updated on my credit report - only for it to somehow end up back at the original amount with a LAST REPORTED DATE of XX/XX/XXXX. I then resubmitted for a new dispute to correct the information and yet again, TransUnion came back and said that this is correct. It shows a 100 % utilization on a card that I do not have, and have not had for MONTHS! How is this possible!?!
Consumer complaint received 2020-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX notifying them of the accounts that did not belong to me over 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX of this year, I submitted a dispute letter to both XXXX and XXXX. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED XX/XX/XXXX
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear Investigator -- My home loan servicing company was changed from XXXX XXXX  to Select Portfolio Servicing , Inc. approximately 6-months ago. In setting up my new servicing account, XXXX XXXX  transferred a change for " XXXX XXXX '' in the amount of {$280.00}. I notified Select Portfolio Services ( SPS ) of this error immediately, and explained that for several years I had attempted to get XXXX to correct the error. XXXX had agreed to correct it many times, but never followed through. My attempts with XXXX, as with SPS were made all the more difficult because I was never allowed to speak to the same person twice. Every time I called, I had to start from the beginning. I did this for years -- approximately 6 or 7 years, to be exact! Now I find that SPS is no different. In the past 6-months I have made over a dozen attempts to get them to fix this error. I can never get the same person. There is supposed to be an account Rep Assigned to me XXXX XXXX XXXX XXXX, who has never returned an email or called me back. Even though a customer supervisor supervisor ( XXXX XXXX acknowledged today that I had made full payments, they refuse to remove the " Over-Charges '' that XXXX had added. 

Why should it take a consumer 6 or 7 or 8 years to get an accounting error corrected???? 

At this point, I'm ready to stop making payments to this company, all together who blatantly wants to steal from me, and presumably all their other customers. 

Please sanction Select Portfolio Servicing , Inc. to the greatest extent within your power. 

Thank you, XXXX XXXX
Consumer complaint received 2020-10-27
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. (GA)

The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX  {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXXl {$730.00} 9 ) XXXX XXXX {$160.00} 10 ) XXXX XXXX {$110.00} 11 ) XXXX XXXX {$60.00}
Consumer complaint received 2017-09-22
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. (CT)

I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative  impact to my credit.
Consumer complaint received 2019-11-12
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 have been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these accounts.
Consumer complaint received 2017-09-22
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. (CT)

I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative  impact to my credit.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-04
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: Accounts Receivable Inc. (WA)

I am writing to ACCOUNTS RECEIVABLE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX report prevents me from achieving the desired results. 
I am kindly requesting ACCOUNTS RECEIVABLE agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-10-27
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. (GA)

The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXX  {$730.00} 9 ) XXXX XXXX  {$160.00} 10 ) XXXX XXXX XXXX$110.00} 11 ) XXXX XXXX  {$60.00}
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (AZ)

I was a victim of identity theft in XX/XX/XXXX, I reported it to all credit bureaus and was able to have several fraudulent accounts removed, except for one. this account started under XXXX, which I have never done any business with either personal or professional. The account was then sent to collections in XX/XX/XXXX. I contacted the collection company and verified that the email address, telephone number and mailing address on the account are not mine, neither are they any that I have associated with. I filed for a dispute with the credit agency, but all updates were sent to the wrong email address and/or mailing address, so I had no way of confirming the disputed information. The collection is for a total of {$5300.00}.
Consumer complaint received 2021-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

I have a derogatory remark just on my XXXX  credit report from Portfolio Recovery Associates, LLC that I want removed immediately. XXXX  and XXXX  removed it due to is being a lie once I disputed it. For some reason XXXX  will not remove it and I have filed a dispute 3-4 times. The original debt was with XXXX XXXX for {$190.00} with a credit limit of {$200.00} and that was a secured credit card with a {$200.00} limit that I paid for before even getting that card. So once I closed that account that {$200.00} I gave them for a secure line of credit wiped that debt out. They actually owe me money, {$7.00}. Portfolio is saying I owe them {$190.00} which isnt even the same as the XXXX  XXXX balance which also says I owed them {$280.00} from the letter Portfolio sent me and they also claim I only had a {$99.00} security deposit and once they took that off it too my balance to {$190.00} which is less than what Portfolio says I owe them. Its all a lie to collect money that I already paid. There is a lot of discrepancies in their letters. I know I paid this account off and I want it removed from my XXXX  report ASAP. Also, once Portfolio Recovery bought this account my contract with XXXX XXXX was voided. That alone should be grounds for removal immediately. Either way, debt was paid with deposit and my contract with XXXX XXXX is voided. Thank you so much.
Consumer complaint received 2018-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America (FL)

On XX/XX/2018 i received a letter from a collection agency - Financial Corporation of America trying to collect a debt in the amount of {$190.00} for XXXX XXXX XXXX XXXX. I sent a check to XXXX XXXX a check on XXXX-XXXX-18 and the check was deposited in their account on XX/XX/18. Per conversation with a representative at Financial Corporation of America, the collection request sent to them on XX/XX/2018. 
I need to have this investigated
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XXXX of this year XXXX Bank lowered my credit card available balance Based on information they had received from TransUnion. They gave me a very low credit score and I was never even made aware of the fact the XXXX XXXX who 's card is issued by the said mentioned bank had run a credit check on me. I never gave them authorization to do a credit report on me I have been with them for so long this had never happened. When I explained that the majority the information was incorrect the time. At that time I figured that the issue would correct itself with proper monitoring and for a while it did. Until again XXXX Bank ran a SECOND credit report for me on my XXXX XXXX XXXX in XXXX. The first XXXX was done in XXXX the second in XXXX. It was n't until I contacted XXXX and XXXX from the Consumer Affairs division told me what had happened. Low and behold TransUnion sent them the same information they had sent previously to this bank. Same generic letter issued and same reasons. Nowhere in that report does it have the installment loans I pay for each with through payroll deduction. XXXX is in denial as to what has happened until I contacted XXXX again today and informed her of this problem. 

She was supposedly contacting XXXX Bank and informing them of the situation. At no time did I give them authorization to run BACK TO BACK CREDIT REPORTS!!!! This is clearly a big issue why if you had run XXXX previously and you were informed of discrepancies would you run another XXXX a month later from the same bank..This lowers my credit as well as XXXX scores. Which according to several of my credit cards which are monitored by TransUnion ALL HAVE DIFFERENT SCORES. 

There is also a XXXX point discrepancy according to the current report issued and on XXXX XXXX by TransUnion to my creditors. I believe that both XXXX Bank and TransUnion should be held accountable and liable for these erroneous mistakes. Playing with someones credit is beyond comprehension. I am asking for a resolution to this matter if at all possible. If this can happen to me how many others out there are going through the same thing.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 there was a charge for XXXX, XXXX, XXXX, XXXX, that were not. Mine j called Bank of America to inform them of this and they are telling me that it is me the one who made these charges when it wasnt
Consumer complaint received 2021-08-12
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 (AL)

I have filed numerous disputes about portfolio recovery services. They have placed a fraudulent collection that is also too old to be on my report but XXXX  keeps verifying it as accurate even though it is not
Consumer complaint received 2020-12-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Adjusters, LLC (CA)

On XXXX XXXX I received a debt collection statement from National Credit Adjusters from XXXX  XXXX via XXXX, California to collect a debt from XXXX XXXX XXXX in California in which this debt was discharged by XXXX XXXX XXXX Executive Office. 

Federal Complaints was filed on debt collection of {$300.00} and it was discharged because of unlawful fees and charge. 
I never receive any official letter confirmation on deletion of debt. 

I am respectfully XXXX Lifetime and Retired. 

Why is XXXX XXXX XXXX is trying to collect {$300.00}, and {$150.00} knowing that I am XXXX.?
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Dear bank of America after reviewing my credit file on all three of the reporting agencies I know you have charged off account XXXX and you are no longer the Owner of this account. But you left some major FCRA Violation on the credit report. and you could be sued for {$1000.00} on each of the reporting agencies for this violation! you are reporting late payment on a charged off account per the FCRA this CAN NOT Report like this so I asked for you to delete this entire account from all three of the reporting agencies immediately!
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.