davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (HI)

In just the past month ( XXXX XXXX ), without any prior notice whatsoever, I have found a collection that has shown up on my credit report. I only found out about this through checking my credit score. The XXXX XXXX XXXX only had my name and a completely fraudulent phone number for me that I do not recognize. The NRA claims that I have a collection from an outstanding bill from XXXX from XXXX XXXX. I never had a account with XXXX in XXXX. The address associated with this account is an address that I moved out of in XXXX XXXX. When I left, I closed my account with XXXX, and transferred the service to a woman who took over my room and lease in this apartment. I confirmed that I had closed out my account with XXXX in good standing in XXXX. I never had an account with XXXX since, and I am not responsible for any outstanding bill from XXXX. Even the woman who took over the account confirmed that she closed the account and moved out of that apartment in XXXX XXXX, so this claim is completely fraudulent.
Consumer complaint received 2021-06-30
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: Experian Information Solutions Inc. (PA)

i had a XXXX charge from XXXX. It went straight to a collection agency. I never received a bill from XXXX. It is XXXX and this is STILL on my credit report. Even though the date of first delinquency is over the maximum allowed time. I have disputed this and nothing has been resolved. i can not even get an explaination for what the bill is for.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, federal loans, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.
Consumer complaint received 2017-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc. (GA)

I inquired as to auto loan rates on XXXX and after a few days I started receiving credit inquiries on my credit report. I did not apply for an auto loan with XXXX, but they sent out loan requests to creditors. My complaint is against XXXX for unscrupulous business practices and dealings regarding my credit.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I noticed from an online inquiry {$2400.00} being taken from my joint checking account without my or my wife 's authorization. I called the involved bank 's hot line and told them to stop the transaction as it was still pending. The bank representative on the phone said they could not do that and I would have to wait 24 hours to see if it became posted. Next morning I checked and it was posted to our account, causing an overdraft. I called the bank again and was told the account would have to be closed and I should either call a different number to open a new account or visit my branch. My wife and I immediately went to the branch and expressed our frustration at being unable to stop this illegal transaction and our concern about losing such a large sum of money. Also, we wanted to know who had done this, how did it happen and what will be done about it. The bank was very compassionate. They helped us open a new account, transferred the existing balance from the old account into the new one and put {$2400.00} into our new account pending an investigation into this matter which they called a " dispute '' and which required me to formally submit in writing. We were pleased with the cooperation of the branch ( which took over two hours to complete ) but still concerned as to why this was allowed to happen in the first place after calling and warning them it was an illegal and unauthorized transaction. Further, I was told that the results of the dispute process likely will not be revealed to me in any detail, only the result. I was and remain very concerned with this dispute process. I want a detailed explanation how this happened, why I could not stop it once I noticed it was in process and notified the bank, and what I should do in the future to prevent it from happening again. And I want assurances in writing that my private account information is safe with this bank. On a broader note, I would appreciate knowing if other customers of this bank ( and possible all banks ) may also be vulnerable to the same situation as me and whether notices or other warnings should be provided to banking customers to beware of illegal activity in checking accounts. I have been the subject of illegal activity in credit cards but never in a personal checking account, hence my concern.
Consumer complaint received 2017-10-03
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: EQUIFAX, INC. (AZ)

Equifax needs to be put out of business. 

As critical as credit scores and credit history have become, I find it appalling that of all the things we can opt into or out of, we can not control to whom financial agencies report our credit history. 

Equifax has proven it can not safeguard our data and I for one do not want them to have my data any longer or to make any money from having my data.
I would like to see the CFPB propose legislation that mandates every company that reports financial information to any of the 3 credit bureaus give their customers the option to choose which bureau ( s ), if any, they are allowed to report our credit history to -- and that is before reporting anything to any credit bureau. 

With this power, all of us can opt out of allowing companies to send data to Equifax. With no new data coming in, Equifax will become history, as it justifiably needs to. 

Thank you.
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation (MO)

On XXXX I noticed and unfamiliar account on all 3 major credit bureaus and sent Accout Resolution Corp a certified request for validation letter ( Conf # XXXX ) advising I did not have enough info on the account and was unable to accurately identify the collection account as belonging to me. I was unable to receive any documents from the company. The company willfully and intentionly has disregarded my request to verify/validate this information as it is defined by law. Please remove this listing from all credit bureaus as it is inaccurate based on the lack of documentation provided by the company in question.
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting to follow up on my previous dispute concerning the fraudulent items present on my credit reports. Upon reviewing my updated credit file, I have noted that the items in question persist, despite my earlier dispute. Additionally, I have not received any supporting documentation from the credit bureaus substantiating the legitimacy of these items. Consequently, I am urging for the immediate update of these items in accordance with Section 605b of the Fair Credit Reporting Act ( FCRA ). As stipulated in FCRA Section 605b, credit bureaus are obligated to expeditiously rectify any inaccurate, incomplete, or unverifiable information from an individual 's credit file. I have provided evidence supporting my assertion that these items are fraudulent and do not accurately reflect my credit history. It is disconcerting that the credit bureaus have not furnished any supporting documents to counter my claim : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} TRANSUNION 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I respectfully request a thorough investigation into this matter and the expeditious removal of these fraudulent items from my credit file. Furthermore, I request that you provide me with any supporting documents you have received regarding these items, as mandated by FCRA Section 609. Enclosed is a copy of my credit report, highlighting the fraudulent items in question, along with any additional supporting documentation that may facilitate your investigation.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — Store credit card
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 (CA)

On XX/XX/19 my full balance payment of {$280.00} to Kohls charge card posted to my account 2 days late ( due on XX/XX/19 and XX/XX/19 was legal holiday ). I did not realize that it posted late or that I had accrued a late fee. I thought I had a XXXX   balance. I was not aware of any other statements that stated I had a late fee. 
On XX/XX/19, my XXXX account notified me of a 75 point drop in credit ( from over 800 score previously ). I immediately investigated and found that I had a {$27.00} late fee + {$2.00} interest incurred from XX/XX/19 and called Kohls to pay the late fee charge over the phone. 
Over the past 6 months, I have disputed with XXXX and sent letters to Kohls to get the late payment charge for the late fee removed. The last response from Kohls refusing to change the credit reporting was XX/XX/19. The purchase balance was never 30 days late-it was 2 days late. It was the late fee that I did not know about that affected my credit report. I contacted Kohls last month and they actually reversed the {$27.00} fee that was charged on XX/XX/19 but they will not remove the late payment reporting for that {$27.00} charge plus the {$2.00} interest fee for a total of {$29.00}. I am unsure why I am still being penalized for a late payment for a late payment fee that was reversed. This has taken my credit score from over 800 points to XXXX and affected my ability to get a good interest rate on a refinance ( it is now in my husbands name only since my score affected our ability to get a prime interest rate ). 
Sincerely, XXXX XXXX
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After Checking My Credit Report Thru XXXX....XX/XX/XXXX...It Was A Charged Off Account From Capital One XXXX  That Was Not Mine On My Report....I Called Capital One, XX/XX/XXXX..Using My Social Security Number....Nothing After Waiting For Several Minutes...I Was Connected To A XXXX XXXX...Which Transferred To A XXXX In The Dispute Department That Put Me Onhold....She Then Stated She Can Not Locate Such Account...She Then Stated She Will Turn This Over To Their Investigation Department For Further Review....So After Spending Over A Hour With Capital One On Several Occasions, I Have No Solution But Have Now Not Only Is It Reflecting Negatively On My Credit Report But I Received Several Calls From A XXXX XXXX At XXXX....XX/XX/XXXX....Stating He Is From XXXX XXXX XXXX.....
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MA)

On XX/XX/2020 certified letters were mailed to CCS Services XXXX XXXX XXXX Ma XXXX in regards to : Account # XXXX Consumer Protection MGL Chapter XXXX  Demand letter was mailed XX/XX/2020 and received ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Request for Validation of Debt letter was mailed XX/XX/2020 ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Consumer Protection MGL Chapter XXXX  Demand letter was mailed XX/XX/2020 and received ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Request for Validation of Debt letter was mailed XX/XX/2020 ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX ) On those letter Chapter XXXX gives CCS the opportunity to make a good-faith response within 30days. It has been more than 30Days and they have refused to validate my debt or remove this account from Collection.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

Hello, My billing statement does not make sense. It says my mininum payment is {$150.00}. If I pay only the minimum payment, it will take me XXXX  years to pay it off. The next line states that if I pay {$140.00} a month, it will only take me XXXX  years to pay it off. How is that if I pay less the minimum payment it will take me less time? I have called, emailed, posted on social media to deaf ears.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (TX)

FCRA violatons ; Wrong info XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMI
Consumer complaint received 2017-07-13
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: EQUIFAX, INC. (CA)

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

I XXXX XXXX a consumer Federally protected under the law have been violated. I've done my research and fully understand the law. Santander Comsumer USA has been reporting inaccurate information on a account. I am a consumer and know my rights and under 15 usc 1666b you have clearly violated me. I the consumer operate under a open end credit plan. There are 14 late payments reporting and each are a violation of {$1000.00} a piece under the FDCPA.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

XXXX notified me with an email that THD/CBNA had did an account inquiry. 
Notice said Installment Loan or New Bank Account Inquiry. 
Address of Bank : XXXX XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates has been repeatedly calling me and harassing me from different phone numbers all times of the day. I have asked them to stop calling me and they have failed to cease calling me. I have blocked more than 20 different phone numbers that this company and its employees use to call me. They have also sent letters threatening to sue me. I am really tired of the repeated harassment. I am tired of blocking numbers every other day. Stop harassing me.
Consumer complaint received 2019-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

Payment made via check # XXXX shown by bank as withdrawn on XX/XX/19 by XXXXXXXX XXXX. Account has NOT been credited yet and interest accrues daily. I emailed them and got back a " sorry we did not receive it " email.
Consumer complaint received 2021-11-28
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

ALL OF THE ACCOUNT LISTED BELOW ARE ON MY REPORT FRAUDULENT ON MY CREDIT REPORT I WAS A VICTIM OF IDENTITY. THEFT AND THESE ARE THE ACCOUNT AS FOLLOWS XXXX XXXX/XXXX/XXXX BALANCE {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX BALANCE {$200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$15000.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XXXX FIN XX/XX/XXXX INDEITITY THEFT AND CHAPTER XXXX WAS FILED
Consumer complaint received 2019-10-30
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. (TX)

I have accounts that do not belong to me reporting on my Experian report. I have tried to address the issue with Experian. They have not provided verification of the accounts to me. I also requested verification of the account from the creditor XXXX XXXX and they sent me a letter stating that I was not responsible for the debt. They also sent the letter to Experian. I have since sent the letter to Experian 3 times. They refuse to remove the account. The only response I get from Experian to my letters is that they do not have enough information to verify my identity to complete my request. This makes no sense since each time I have sent a copy of my ID, my Social, and a Utility bill verifying my identity, and address. Experian is deliberately reporting incorrect information. This letter is dated XX/XX/2019. That is 60 days that Experian has had to correct their mistake, and yet they have not corrected it.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a call from a woman from an " unavailable '' number stating that she was trying to see if I would be home the following day so she could serve me a notice for a civil dispute. When I asked her what this was in regards to, she said she was unable to tell me any details as the notice was sealed and she could not open it, but that if I had any questions I could call the number ( XXXX ) XXXX with a case number that she provided. Upon calling this number I was connected to another woman named XXXX XXXX who claimed she was from a company called XXXX XXXX on behalf of XXXX XXXX and was responsible for determining whether or not I had maliciously attempted to not pay for an overdrawn but closed checking account opened in my name at Wells Fargo back in XX/XX/XXXX that had defaulted in XX/XX/XXXX. When I told her that I only had one checking account with Wells Fargo and that it was still open and in good standing, she said that this must be another account and that I would either have to pay to settle this immediately in the amount of $ 1300+ or I could be sent to court and have to pay a minimum of $ 4000+ dollars plus any legal fees incurred from this judgement. I again told her I had never opened such an account and hadn't been provided with any documentation of this debt, nor received any letter or communication from anyone attempting to collect said debt prior to today when I was informed I was being summoned to court for a pending civil judgement. She stated that she had documentation that I had been sent several letters and phone calls about this debt and that a response was never received. When I asked what contact information had been used, she stated incorrect contact information. I told her that the information was not correct and she again stated it didn't matter, that it was up to me to make sure my account was updated with my proper information. I stated again that I wasn't even aware there was a second checking account in my name, and that Wells Fargo indeed had my proper contact information since I currently have an account in good standing with them. She stated that Wells Fargo does not have the resources to contact me in this case and that I would either need to pay the voluntary restitution before the call ends or would be sent to court for the direct refusal to pay for this account.