davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

I opened my credit account on XX/XX/XXXX when I was notified that I had a XXXX doll in outstanding balance in collections from A company name AFN I have no knowledge of an I suppose to open the account on XX/XX/XXXX! But thats impossible.because I have not opened an account or made any arrangements with anyone to make any payments during XX/XX/XXXX..
Consumer complaint received 2020-01-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (OH)

QWR NOTICE OF ERROR SETTLEMENT OFFER ENCLOSED WITH SUPPORTING DOCUMENTS SHOWING XXXX 'S STAFF COMMITTING FRAUD AND TRYING TO COLLECT DISCHARGED DEBT.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (MA)

GM Financial is the company I used for my auto loan. They were incorrectly reporting information on my credit which caused so much damage to my financial situation. I paid off my car loan over 3 months ago and have yet to receive the title for my vehicle. I contacted them and was told I had to wait 45 days. It's now 3 months and still nothing. Dealing with this company has been a total nightmare and would never recommend anyone to take a loan from them. They completely damaged my credit and I'm not sure how to fix what they have done.
Consumer complaint received 2023-01-30
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. (DC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX 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
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (NY)

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.
Consumer complaint received 2019-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (AZ)

Mortgage company fraudulently debited bank account for mortgage payment in XX/XX/XXXX resulting in overpayment of account and overdraft of bank account, discussion held with bank representative in XX/XX/XXXX reflecting the overpayment and credit being issued for payment due in XX/XX/XXXX, payment for account had already been sent and should have credited for XX/XX/XXXX which brought account current, notice sent sometime later in XX/XX/XXXX stating that payment had not been received and that account was behind. Tried to contact bank rep that assisted in bringing account current but was advised that no such bank rep could be found. Continuous contact with bank reps have not remedied the situation and late charges and other fees have been added to the account fraudulently since XX/XX/XXXX, have exhausted recourse through bank reps that have all this information in the record but have refused to review it. Contacted XXXX XXXX to help with this matter in XX/XX/XXXX but have had no remedy from the mortgage company now in XX/XX/XXXX.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IN)

I checked my XXXX credit report on XX/XX/2019 and I noticed that a collection in the amount of {$310.00} was reported as a bad debt from the creditor Credence Resource Management. I do not owe this debt, and I have no knowledge of this debt at all. I was not properly notified by Credence Resource Management about this debt at all before they reported this to the credit bureaus. By law, creditors are required to contact a debtor in writing to give them knowledge of the alleged debt. I did not receive such notice to be able to to dispute this alleged debt. This is an illegal collection. This has ruined my reputation and credit score.
Consumer complaint received 2023-01-30
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. (DC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD 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
Consumer complaint received 2023-07-14
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
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: EQUIFAX, INC. (GA)

Filed a dispute with the three credit reporting agencies, XXXX, Equifax, and XXXX. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX  and XXXX.. Its not on Equifax. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That one is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one.  Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Filed a dispute with the three credit reporting agencies, Transunion, XXXX, and XXXX. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. transunion and XXXX.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on Transunion. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That one is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one.  Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (IN)

Notice To Sue from XX/XX/2024 Final Request To Remove Or Delete disputed accounts and Resolution. 
To whom it may concern, I am writing regarding the continued detailed accounts below, for which I have received yet another generic response, the same response as usual from Experian Credit Reporting Agency. XXXXXXXX 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 This letter marks another attempt in a series of communications aimed at resolving this issue. The lack of a thorough investigation in this matter by Experian Credit Bureau is not only frustrating, but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously considering the involvement of my consumer rights attorney to assess potential violation of my rights. This is a final appeal for Experian Credit Bureau to correct or remove the inaccurate information on my credit report. Failure to address this issue satisfactory, will compel me to pursue all legal available avenues, including filing complaints with the Justice Department, office of the Comptroller of currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for credit reporting, as well as my State Senator, Congress, the National Association of Consumer Advocates, and the National Consumer Law League. The resolution in this matter now rest with Experian as they requested to get these disputed accounts removed from my credit file and Experian still did not correct my credit file. 15 USC 1681 ( I ) ( 5 ) states : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, or incomplete or can not be verified, the consumer reporting agency shall promptly remove or delete the item of information from consumer 's file or modify that item of information as appropriate based on the results of the reinvestigation. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2021-07-19
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: Bread Financial Holdings, Inc. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/XXXX submitted identity verification materials to BinanceUS and was able to fund account via transfer of crypto from another exchange. While the fiat currency identity verification was pending, I was able to begin trading using the crypto funds that had transferred in and continued to do so without issue until the week of XX/XX/XXXX when all trading capability was locked along with my ability to withdraw my USD balance. Tickets to company attempting to resolve the problem have gone unanswered. There is no way to contact them. Their XXXX page @ BinanceUS is full of similar complaints. They are stealing people 's money
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IL)

My wife paid off a debt in XX/XX/XXXX to Synchrony bank regarding a care credit card she took out in my name. She had proof the debt was paid and after dealings with a collection agency in Ohio ( XXXX XXXX XXXX ). The payment was confirmed by both Synchrony and by XXXX. At that time ( XXXX XXXX ) this matter was closed and the debt was paid in full. she had previously filed a complaint with CFPB to help resolve this matter and your file show case closed. Then in XXXX XXXX I began to receive advertisements from local attorneys regarding a lawsuit against me from Synchrony Bank in the amount of {$1900.00} in XXXX County IL. Not knowing what this is about I called Synchrony and got nowhere. ( I have also filed a complaint with your office against Synchrony and their tactics ). Finally I was referred to a XXXX attorney XXXX XXXX XXXX, Synchrony advised that they could help me with my questions. I tried calling their office and was told they did n't know who I was or had anything on file. Then I mailed a letter to XXXX XXXX XXXX in XX/XX/XXXX and received no response from them. Then in XX/XX/XXXX I receive a notice that they are filing a lawsuit against me. I have contacted them to advise that this debt was paid, what do you need to resolve this and those emails have gone unanswered. Should I have not received something from XXXX XXXX XXXX prior to getting notices form XXXX XXXX XXXX 's advertising mailings??? I would have been more that happy to address this matter way before we arrived at this point. There were no collection inferences on my credit so I had no idea this was coming. My wife got this card in my name which was part of the problem.
Consumer complaint received 2021-07-19
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: TD BANK US HOLDING COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/XXXX I received written notification from Midland Credit Management that my account with XXXX XXXX account ending XXXX ( XXXX  ) had been sent to them on XX/XX/XXXX for not paying the amount of {$460.00}. 

Upon receiving this notification, I checked all of my bank records and found no such account in my records. I do have 3 other XXXX XXXX  accounts : XXXX ending XXXX, XXXX ending XXXX, and XXXX 's ending XXXX. I then called XXXX XXXX to see if they had charged-off a debt on any of my accounts, and they confirmed that they had not and went as far back as XXXX. 

I have never received a bill ending in XXXX and this is the only document that I have received.
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (LA)

I have mailed 2 debt validation letters to this company and have not received any response from this company. A debt of {$180.00} is showing on my credit files and I am unaware of owing this debt. Two certified letters were mailed to this company one on XX/XX/2019 and another on XX/XX/2019.
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX & XX/XX/XXXX, 2 loan modification was done on our mortgage. We, the occupants never received monies. We have made several calls to Wells Fargo, FHA, & XXXX with no success on how they came up with the total {$72000.00}. Per Wells Fargo, FHA & XXXX they informed us there are 2 liens filed on our property. When taking the XXXX modifications we were informed that the non payment would be applied to the back of our mortgage loan not that we the occupancies would be responsible via a lien. 
Wells Fargo - XXXX-was informed to call FHA because they have no record that we own the above. 
FHA-03/09/2021 & XX/XX/XXXX was informed to callXX/XX/XXXX ( the consultant company XXXX to received the full understanding of the liens. 
XXXX was informed that they would send us an email which I will attached. 
Sending documents below : Wells Fargo XXXX & XXXX statements- will show you that they received the monies but adjusted it off. 
Wells Fargo XXXX - most recent statement Land Records - XXXX & XXXX FHA - XXXX & XXXX Letters XXXX - Letter
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Tuesday XX/XX/2021 I called Capital one credit card to remove a late fee of {$40.00} and they refused to remove it because it happened the month before, I have 4 accounts with Capital one credit card I was never late with any of the other 3 credit cards, and I explained to them my online banking for some reason did not want send my payment for the master card, but the other 3 visa capitol one I have no problems, and I called my bank and they did not know why I asked the customer service lady to speak to the manager and it took long time to get the manger to speak to me, and the manger refused to remove the late fee, I called Capitol one credit card again today XX/XX/2021 and I offered XXXX from Capitol one credit card to pay off the Master Capital one credit card so she can remove the {$40.00} fee so I would not have in my credit report but she refused.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I closed my Citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was assessed a {$95.00} annual fee for the 12 month period from XX/XX/XXXX - XX/XX/XXXX. Upon contacting Citi around the issue I was told the annual fee would be refunded to my account within 1-2 statements. I thus dutifully paid this annual fee as otherwise I would have been assessed a late fee.This refund never occurred. On XX/XX/XXXX I contacted Citi via phone and explained that I never received the {$95.00} refund. I was told that the refund could be expected via a check within 10 days, or by XX/XX/XXXX. 

I have spent 6+ hours in web chats and phone calls trying to sort out this situation with Citi , to no avail. As of XX/XX/XXXX I am now being told that the {$95.00} will be credited to my account on XX/XX/XXXX. Citi 's story keeps changing. I would like to be ensured that I will receive the annual fee refund, as well as be compensated for my time and the hassle. Citi should not be treating their customers in such a way.
Consumer complaint received 2019-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC (MA)

Carvana knowingly sold me a car with the following problems : - Oil cap loose and leaking oil ; - Oil filter loose ; - Damaged brake pads ; - No windshield washer fluid reservoir cap ; - Two bald, dangerous, unfit for the road back tires ; and - Four inoperable TPMS sensors. 

The check TPMS system light remains on. 

I have been to the repair sho p three times.

Carvana refuses to reimburse me for all of the costs.
Consumer complaint received 2021-07-19
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (TX)

I received a letter from Medicredit saying : This is inform you that XXXX   XXXX XXXX has placed your account with this agency with the full intention of collecting this account ... 

I'm calling that company and they're not responding. I can't access the account on your website.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MN)

A collection company has filed a negative report on my account. No debt is owed that I am aware. Attempts to contact the company were to no avail. I talked to XXXX XXXX with Wakefield & Associates and he could not find the debt I owed. He also refused to let me speak with a supervisor. He branch was located in Colorado. I also spoke with some one at the same company in XXXX TN and they were unable to find the debt that I owed either and would not attempt to help me clear the negative report off my record.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

On the Experian credit report it say I have had an address of XXXX XXXX XXXX, XXXX MD, XXXX. 

I have never lived or had an address outside of North Dakota. So I would like this removed from my credit report and any information with this state and address also removed from my report. 

There are lots of people there with my name in common but this is not me.