davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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. 

-- INSTALLMENT LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I moved out of XXXX XXXX in XX/XX/XXXX. When I turned my keys in, I asked how would I pay the utilities bill for XXXX ( it was always due with the next month 's rent ). I was told to login and pay on the portal. I couldn't access the portal because I was no longer a resident. They then gave me an email to reach out to. I was told my account information was still being processed ( in XX/XX/XXXX ). 
Then XXXX turned to XXXX and I still hadnt heard from the company. I reached out on XX/XX/XXXX but didnt receive an answer. Finally, I received my returned move-in deposit in the mail a few days later. It was my original {$500.00} with the utilities taken out. They finally processed my payment by subtracting it from my deposit. I was so thankful to finally be done with the company. 
Then in XXXX of XXXX, I was reached out by a debt collector from Genesis. I responded the very same day explaining the situation. I gathered documentation and sent in my appeal the very next day. I have tried emailing and calling multiple times since then. The collections company refuses to respond to any of my emails, but every so often I receive an email with a new statement balance as the interest increases. 

It is now XX/XX/XXXX, and I am still dealing with this company. I moved out a year ago and am beyond frustrated that they are still causing me grief when I dont even live there. The collections company wont respond to my emails, and my credit has now been impacted by the incorrect collections account. I have tried disputing the debt with the credit bureaus too, in vain. I am at a loss and dont know what to do. I do not owe this company anything. 

Attached is my proof of my returned deposit cheque with the utilities subtracted. Also attached is a few of my email attempts to the company to appeal/resolve this debt issue. They have not responded to any of my emails.
Consumer complaint received 2018-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

today is XX/XX/XXXX of 2018 i got an email that there is a change on my credit report. 
Im trying now to pay my credit cards so my credit score will go up.Any way i sign in to the report and i see that was an inquire under my name and social security.

I suspect for long time that my credit score is low .cause im always paying my credit cards on time .The reason i thought is law, my husband had an XXXX card and he got for me also a card .Ans he straggle paying it and XXXX close his account and it react his credit. 
but this morning when i got that email i got really scared .a few weeks ago someone used also my debit card but since i check my online banking everyday immediately i called my contact at the bank and they issue for me a new card. 
i will attach the email i got and so is my credit score page Visit Capital One Theres been a change to your XXXX  credit report. 
Heads up : A lender requested a copy of your credit file. 

Visit the Alerts section of XXXX  from Capital One to review a recent change in your XXXX  credit report. To protect your privacy, we arent including any confidential details here. 
Sign in soonstaying on top of your credit can help you defend yourself against potential fraud or identity theft. 
Sign in to XXXX Download the XXXX mobile app, if you dont already have it. 
( This is the email i got today ) Ill attach a screenshot of my credit page
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I already filed a complaint, # XXXX, Bank of America denies to accept my claim because they say they have documents that show that I used the atm card or authorized someone to use the card to make a charge of XXXX dollars. 
I have requested them, over 7 times, to send me those documents but they never send them to me and I keep receiving letters telling me the same thing over and over again, now they want me to send them the bank statements where it shows I didn't authorize the charge, I know, doesn't make any sense, this is going in since the first week of XXXX. 
Bank of America does not accept this is an unauthorized charge to my checking account, what else can I do?
Consumer complaint received 2021-08-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is reporting a XXXX  XXXX account ending in XXXX on my credit of which I have no knowledge of this account Portfolio Recovery needs to furnish full proof within 30 days that this account is mine and if no proof is given then by law under FCRA this needs to be removed from all three credit bureaus immediately
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX {$4900.00}
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (LA)

Making an on-line purchase with Discover card and transaction was declined. Received an e-mail indicating a suspicious transaction with. the amount of {$39.00}, I indicated that it was not what I was attempting to purchase. The account was shut down and I was instructed to call the fraud dept. Called the number and auto answer stated wait time was over 10 minutes. I made several attempts to call Discover for 2 days ( XXXX and XX/XX/10 ) and each time was on hold for over 15 minutes and up to 30 minutes with no answer. In the meantime, I received e-mail messages to call the fraud department each time I attempted to go online and contact Discover. I also recieved an automated call from Discover advising it was the fraud department regarding a suspicious charge and once again, put on hold for over 15 minutes and then their system stated that there was no fraud specialist available and hung up. My payment is due on the XXXX and I was attempting to make a payment, but the account is locked, yet I get a reminder that my payment is due shortly. No one answers the phones on the general number or the fraud department number. This is no way to run a business and time spent was wasted.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (KS)

XX/XX/2021 - I opened an account with CitiBank and deposited {$15000.00}. 
XX/XX/2021 - CitiBank closes my account without notifying me other than my statement that was released XX/XX/XXXX. 
XX/XX/2021 - I notice that CitiBank has closed my account and I call to retrieve my funds that I deposited. I'm told that CitiBank closed my account due to suspected fraud activity and they will issue a check for the amount that was deposited. I'm told by a Customer Service Rep that they will issue a check for the {$15000.00}. 
XX/XX/2021 - I'm told that the account was closed by the fraud department and so my request to have a check issued was denied since it was issued by the wrong department. I'm told I will have to go through the fraud department to have my check issued. I'm told that my account will be referred to a fraud specialist who will check into my account to identify where my funds are and when a check will be issued to me. I'm told to wait 48 hours for the fraud specialist to reach out to me. 
XX/XX/2021 - I called to get an update on the progress of my funds. I'm told again to wait 48 hours because no update has been received from the fraud specialist. 
XX/XX/2021 - I called to get an update on the progress of my funds. I'm told again that the fraud specialist has not update my account and there is no timeline for when they will review it.
Consumer complaint received 2020-09-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I applied for two personal loans for my educational expenses while enrolled at XXXX University. This loan was applied through XXXX. This loan is managed through American Education Services. One loan was dispersed XX/XX/XXXX the loan amount was {$4000.00}. As of XX/XX/XXXX I have paid {$2600.00}. According to American Education Services this loan as of XX/XX/XXXX the total due is {$3400.00}. 

I have written letters asking for clarification regarding the balance and lack of regular statements. 
I have written letters on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is not a complete.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TX)

I had a phone bill with XXXX  which went into collections because of the financial situation I had. XXXX XXXX XXXX  report my account to FRANKLIN Collection account number XXXX. After my financial hardship was resolved, I contacted Franklin collection and resolved the bill. Frankrin agreed to delete this from my credit report through the credit agencies. Today, the account is still showing on my credit report as paid not not deleted as agreed. i have tried to resolve this with franklin to no success. Please assist so Franklin Collection can get this record deleted from my credit report. Thank you
Consumer complaint received 2020-09-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX from XXXX XXXX XXXX XXXX, 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 an account without my written instructions. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I don't recognize this account ; and I have never been applied for a Credit Card from XXXX XXXX XXXX, this account is a Fraudulent account. 
Failure to conduct a reinvestigation ; request for damages under the FCRA
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-10
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. (DE)

XXXX and Transunion are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

XXXX is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified XXXX multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX   XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}
Consumer complaint received 2024-03-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has lost my XXXX XXXX for 2021 XXXX : I currently have a credit card with Wells we Fargo. I closed my mortgage with them in XXXX of 2021. According to Wells Fargo XXXX Department my XXXX  XXXX for taxes should still be online but its not Wells Fargo also lost a document critical to maintaining my mortgage which is why I no longer have my mortgage or my checking account with them. I kept the credit card expressly for making sure my records didnt PREMATURELY disappear but they did anyway For days, nobody I called could locate proof that my mortgage existed. Now Ive been waiting for my 2021 XXXX  XXXX WHICH STATES how much interest I paid Wells Fargo in 2021. 

The email Wells Fargo sent me regarding my 2021 form connects to nothing I need that form XXXX for account number XXXX. This is the account number on the previous years XXXX XXXX
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (TN)

The collectora called RENT DEBT AUTOMATED COLLECTIONS contacted me via phone arguing that I owe XXXX from.a debt in XX/XX/2018 because I left the rental unit in XXXX Tennessee before the contract was due. I left because the bathroom did not work. And I have XXXX children that were using the yard to XXXX and XXXX. I wrote letters to the leasing office, but they never responded me back. 
They are damaging my credit score because of that. So, I agreed to pay it in parts. But it is too high. 
Thank you XXXX XXXX
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-09-17
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)

ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " THE XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611
Consumer complaint received 2019-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I signed up for a Loan with Nelnet. The terms were as follows. Total amount XXXX with four payments of approx. XXXX. They charged the first payment amount correctly, in XX/XX/2019 But then increased the amount due to a school error. They charged me XXXX and refuse to refund it. Even though the school has corrected their records. When I call them they say there is nothing they can do. Agreement Number XXXX
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (SC)

Chrysler Capital intentionally drew an overpayment on XX/XX/2021 for the final payment on a 48 month auto loan. The final payoff amount should have been {$610.00} and instead of this amount which was printed on their invoice and was the amount verbally given by their representative as the payoff their automated system withdrew {$1200.00}. When I became aware of the extra amount withdrawn I contacted Chrysler Capital and was told by their representative that the acknowledge that they were overpaid but they would not be issuing a refund XXXX {$620.00} ) for the overage incorrectly drawn by their system until XX/XX/2021 more than a month after they wrongly overdrew their payment. I verbally explained to Chrysler Capitals representative that if I owed them money Im sure they would turn me over to a debt collector if I delayed their payment by a month. 

I believe that they have intentionally programmed their system to fraudulently overpay themselves and that they are then intentionally delaying repaying the funds the have fraudulently obtained to give themselves a capital cushion. I paid the entire loan on time for four years using a bank auto draft and I feel like they do not have a legal right to hold {$620.00} of my money for 21 days beyond the date they have told me they will send me the vehicle title. I do not believe this is an accident on their part, I believe that they have intentionally programmed their system to achieve additional payments they are not entitled to receive.