davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MA)

In XX/XX/XXXX I received an auto loan from Credit Acceptance Corporation. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by Credit Acceptance on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with Credit Acceptance Directly, yet  additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and Credit Acceptance is one of them. After looking into the payment history, I realized that Credit Acceptance has multiple 30, 60, 90 day  late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with Credit Acceptance and that was in XX/XX/XXXX. I have tried to call CAC directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Randolph, Boyd, Cherry and Vaughan (VA)

I have received three to fouXXXX suits/judgements to garnish my wages despite the collection company validating the alleged debt. I have asked via affidavit for the collection company to verify/validate the debit. From my understanding, an uncontested affidavit stands as law. However, they have refused to respond via affidavit and have continued to pursue legal action to garnish my wages without proper verification/validation. I have recently received a judgement/summons where they have initiated garnishment action yet again after the last two orders were removed. There is also a collection company reporting derogatory information to the credit bureaus under a completely different name XXXX XXXX XXXX XXXX XXXX for this same account with a different amount showing as owed. 

The current debt collector/company that has sued or taken legal action against me is a law firm/attorney. A debt collector can not be an attorney. Due to this, this is a violation of 15 USC 1692e. ( 3 ). 

The most recent garnish summons ( attached ) shows the following : Statement : {$2800.00} ( Judgement principal ) {$2800.00} ( Credits ) {$230.00} ( Interest ) {$59.00} ( Judgement costs ) {$710.00} ( Attorney 's fees ) {$210.00} ( Garnishment costs ) Total balance due : {$1300.00} ( Garnishee shall rely on this amount ) This is a violation of 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this sections : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2019-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I settled with Citi in XX/XX/XXXX on a HELOC. They provided me a settled letter ( attached ) as of XX/XX/XXXX. They continue to report 120-day lates XX/XX/XXXX-XX/XX/XXXX on  XXXX which is causing that score to be 100 points less than the other two bureaus and the reporting of lates is hindering me from a new home loan. The status is also 120 days late instead of settled for less than the full amount. SEE ATTACHED DOCS
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE XXXX MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED. I ALWAYS PAID ON TIME AND IM RESPONSIBLE FOR ALL MY PAYMENTS
Consumer complaint received 2020-10-20
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 (WA)

I have continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX  and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody. 
Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XXXX which is when I was born. 
The creditors that show on all 3 reports are : XXXX XXXX for {$3200.00} XXXX Portfolio Services for {$2600.00} Portfolio Recovery for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money. 
Please Help as the reporting agencies just get a " verified '' back which doesn't help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (FL)

I was a member of Wells Fargo for over 10 years, I had a credit card that was placed in collection since I was running late with payments due to change of jobs. I was a credit card of {$300.00} dollars. I called to negotiate the amount and I was able to settled for {$230.00} now balance is XXXX. I called the other day to send them a " Goodwill letter '' and have this account removed from credit report. They say NO, since the account was settled at $ 60 % of the original balance. They say that I still have a balance. I told them that my balance was XXXX, and that was unfair. They are not able to negotiate with me and in the other hand they are highly hurting my credit report.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

Submitted ACH withdraw of XXXX USD from coinbase.com on XXXX XXXX, was given a receive date of XXXX XXXX. Coinbase shows the the withdraw has been completed to my bank account but funds have not been credited. Contacted my bank and they have no evidence of an ACH transfer to my account. Contacted Coinbase through email and phone with no response.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (FL)

CitiBank Customer Service reps sound like they re in a fish bowl. Transferred 5x and everyone sounded same. Trying to resolve issue but can't understand a word they say.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX XXXX  XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also the late remarks doesn't report consistently with the other bureaus. I really want this to be deleted since I was disputing this for a long time.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Northwood Asset Management Group (UT)

Northwood Asset Management Company   calls my phone several times per day leaving messages that either myself or my representative need to return their calls. When I have called back I am not told what they are trying to collect for so I do n't even know if it is something legitimate. They have not sent me anything in the mail concerning the debt. Just ask where they can find me so they can serve me with papers to sue me. I am in Utah and I know this company is either in NY or Florida but when they call it 's from a number that looks like it is a local Utah number.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (TN)

Collector called multiple times even after i told them to stop .The person they are calling for i do not know told them that several times but they continue calling!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX     XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I lived with a foster parent years and I pulled up my credit report. I found out that she is using my name and information without my consent. I have n't lived that former foster parent since     XXXX   So she should n't be using my information. I also saw some things on my report that was n't from me and it shows my name being used in ways that I do n't spell my name.
Consumer complaint received 2017-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at XXXX telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. XXXX XXXX case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was XXXX. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and XXXX to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and XXXX  makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX
Consumer complaint received 2024-01-29
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. (TX)

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several XXXX, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. 

I appreciate your immediate attention to this matter and your commitment to rectifying the inaccuracies on my credit file. Thank you for your prompt action in resolving this critical issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} 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  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

The father of my son is using our sons social as his own. Social security office had my sons incorrect information. My sons name is XXXX XXXX XXXX XXXX My sons fathers name is XXXX XXXX XXXX. The social security office had my sons name in its system reading XXXX XXXX XXXX, just like his father, without the XXXX, XXXX. So therefore my sons father has been using his identity to open bank accounts and is doing business under our sons social to avoid paying child support owed. He hasnt file taxes in 3 yrs as well.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC (FL)

XX/XX/2XXXX XXXX XXXX XXXX {$1600.00} i call i never open credit with XXXX XXXX XXXX was victim of fraud
Consumer complaint received 2021-08-05
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

my card was working fine yesterday XX/XX/22 i wake up this morning i cant login XX/XX/22 and bank of america telling my account is closed with no reason at all i needed my money for bills now i dont have none and confused on too whats going on because i also got business accouny with then and my business account is fine.
Consumer complaint received 2024-01-29
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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  Balance : {$290000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXX  Balance : {$32000.00}.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

3 credit bureaus. are reporting late payments I have never been late on any payments.they stated 1 being mortgage I sent then full copy of all payments they didnt correct. They are Fabracating and reporting to banks credit card cos. etc. THE REPORTS I SEE FROM THEN DONT SHOW ANY LATE PAYMENTS ON ANY 10 ACCOUNTS.THEY ARE REFERING TO.
Consumer complaint received 2018-01-04
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 (CA)

We applied for Non Owner Occupied Loan Modification program with Bank of America in XXXX and after Trial Period of three months XXXX, XXXX and XXXX our loan modification was approved. 
Few months later we found out that Bank of America reported our payments for three months trial period as late to all credit bureaus, which as a serious delinquency caused our credit scores to go down 60 points. 
We made our payments on time before and during modification period. Please see attached history of payments. During trial period we were asked to pay different amount instead of our existing monthly home equity payment. Please see attached BofA letter from XXXX XXXX, XXXX and FAQ. 
According to BofA letter from XXXX XXXX, XXXX " During the trial period loans that were up to date at the start of the trial period will continue to be reported as up to date as long as customers make trial periods on time. " Please see attached. 
Since we were current with our payments before and during trial period BofA had no right to report us being late and ruin our credit. We ask BofA to correct their mistake.
Consumer complaint received 2022-03-11
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: CORELOGIC INC (FL)

I make a complain on XX/XX/2022 ID XXXX to CORELOGIC CREDC The reason they improper use of my report, they today response that send me a letter and they not receive any information for me, That information is false, I send a fax to they to the number show me in a letter, this is ( XXXX ) XXXX, is very irresponsible That afirmation, I have a copy of the fax that I send from XXXX XXXX XXXX for this reason I need reopen my case, because they are traet my case without attention that this matter need, they make me a serios damage in my credit report without my consent
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Good evening - I have contacted this company a total of four times since XX/XX/XXXX. The latest certified letter was sent to Portfolio Recovery on XX/XX/XXXX requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. Twice I received a letter billing ledger as validation. This ledger does not assign the debt to me and frankly, it looks like someone in the office drafter the ledger. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my kohl 's account there is a history code with a number 1 next  to it which means there was a late payment I resolved this issue with kohls directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX  rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is Capital One '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.