davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
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)

In XXXX I disputed XXXX with XXXX, XXXX, and experian. XXXX and experian said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.
Consumer complaint received 2017-07-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (TN)

XX/XX/XXXX : Purchased vehicle from XXXX XX/XX/XXXX : I was behind on a payment. Santander Consumer USA contacted my grandparents ( not a reference ). They compromised my information by providing the amount and the time I was behind. ( They assumed it was me on the phone due to not clearly hearing due to connection. They did not ask for any other information verify it was me they were speaking to. ) I contacted the company and my complaint was sent to several different levels of the company. XX/XX/XXXX/XX/XX/XXXX : I spoke with the VP of The Office of the President, where he set me up on a financial assistance plan for 6 months. This would lower my interest rate, but extend my contract to eight years. This did not lower the amount contracted. It only gave me assistance for a few months. XX/XX/XXXX : I am behind on a loan. I called to seek assistance, which a manager granted, if I would pay {$200.00}. The assistance would push two months payments to the back of the loan, allowing me to become completely caught up ( when I recieve regular paychecks again ). When I called the next day, the company would not honor the request and said I needed to pay more.
Consumer complaint received 2018-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX I contacted XXXX XXXX XXXX and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with XXXX XXXX XXXX that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of  Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

they call non stop and now have contacted a friend of mine. I have no idea how they got his telephone number, but said they were calling for me to collect a debt. I also paid them in the past and they still call and say it 's not paid. it is XXXX and they called from XXXX
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (WA)

In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

Opened XXXX account. Made several phone payments that were returned company citing " wrong account. '' XXXX XXXX and myself both provided company with bank routing, checking account number, and account balance to show all information provided was correct. This still did not correct problem. Payments could not be made via phone or online services. Several calls were made back and forth to correct the problem myself providing all the information requested. Problem still happening. Bank recommends having my financial institution submit payment on my behalf. XXXX XXXX agrees. XXXX XXXX still encountered payment processing problems. After several attempts and persistence from XXXX XXXX, a payment was processed to bring the account to close. However, T D bank wants me to pay the late fees that have accumulated over time and have also reported the late payments to my credit report due to a problem that resulted from their company. I don't think this is fair practice. I shouldn't pay for error and lack of knowledge of their clerks.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (NY)

On XX/XX/XXXX, a MoneyLion account was fraudulently opened in my name. A loan for {$1000.00} appears to have been taken out. Additionally, several payments were charged to my personal checking account and sent to Moneylion : 2 on XX/XX/XXXX for {$19.00} each, and 4 on XX/XX/XXXX for {$97.00}, {$45.00}, {$19.00}, and {$19.00}. I reported these fraudulent charges to my bank, XXXX, and they were reversed. However, the loan account has remained open. I filed a dispute through XXXX, but they deemed the account information as " accurate ''. Missed payments are beginning to show up on my credit report and affecting my credit score.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

We had leased phones from XXXX/CIT Finance LLC located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX on XX/XX/XXXX. 
We were always in good payment standing. In XX/XX/XXXX, we downsized from our storefront XXXX XXXX to a 5th-floor space. We also downsized our employee force to meet ends. When we interrogated the new leasing agents for the phone installation, they informed us that their building did not have wired phones but only digital phone connections. I went back and told the company to take the phones back and cancel my account. They keep insisting that I have to pay for 60 months. It clearly says, the XXXX, CIT Finance LLC are authorized to purchase the equipment but they told me they can not. I see it clearly mentioned in the contract. I went to their legal department to cancel this account and take the phones back, they informed me that the only time they will do that when you business structure has changed. I told them, my business structure did change. I downsized and the new building and ALSO does not support wired phones from CIT. All of a sudden, they said that is not enough reason to cancel the account. 
I have already paid {$2900.00} for 34 months until XX/XX/XXXX. The original lease was 60 months at {$86.00}. They invoiced me for another $ XXXX-Total buyout with equipment keep. 

This is not fair. They need to take the equipment back. 
Kindly resolve this matter as we do not need the phones and we paid them enough already. This contract and terms are very ambiguous. 
Best, XXXX XXXX XXXX XXXX XXXX Tax ID # XXXX New Address-XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC (SC)

The collection agency  Havard Collection,   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , Il  XXXX , called my house number asking for my father-in-law 3 times today. They called at  XXXX ,  XXXX , and  XXXX  each time it was the same gentleman with an extremely heavy  XXXX  accent I asked this person to remove my number since I am not my father-in-law. On the call at  XXXX  this gentleman raised his voice at me in an abusive aggressive manner telling me that if I am not my father-in-law I was to put him on the phone. I am female so I am clearly not him. I am aware that this gentleman called my father-in-law 's cell phone around  XXXX . During that conversation an  XXXX  gentleman demanded payment. My father-in-law told him that his bill from   XXXX   was a charity write off and asked him to send a bill. The gentleman refused demanding payment threatening him saying have you bothered to check your credit lately, he said no, the man said I think you should. This person attempted to call again around  XXXX . My father-in-law was with me describing what had happened earlier when the second attempt at contact within the same day happened. I called the number spoke with a man named  XXXX  who claimed to be the collection manager. After numerous attempts to get  a street  address to mail a letter of dispute he finally provided it.  XXXX  assured me that all calls would stop. I also explained that in   XXXX   he did not have insurance and was contacted by  XXXX   XXXX  about a charity write off of this debt.  XXXX  did provide me with the account reference number of  XXXX . This company has violated the FDCPA by attempting numerous contacts with my father-in-law within the same day and by harassing me with  XXXX  calls to my residence when I am not him. They are continuing to attempt to collect a debt that is not owed or should not be owed. I personally feel that the statement about thinking my father-in-law should check his credit report was a threatening tactic. My father-in-law is elderly, battling  XXXX , and just recently got on social security which has been expressed to this company numerous times today. My father-in-law also has  XXXX   XXXX   XXXX . The added  XXXX  of these abusive tactics is not good for his health.
Consumer complaint received 2021-03-24
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 recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before I file a lawsuit.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To All Concerned Parties, This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!
Consumer complaint received 2021-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX, my Bank of America Unemployment Benefits account was charged {$1000.00} per each of these days ( total of {$3000.00} ). These transactions were fraudulent. Upon noticing this, I immediately contacted the Bank of America Claims Department and filed a claim for fraudulent transactions. They informed me that there would be a review process and that I would eventually know the decision. Later, I received a letter explaining that they concluded that they would not return the stolen {$3000.00}. I immediately contacted Bank of America again, and they had me file a police report. I promptly submitted the police report to the Claims Department. They assured me the claim would be reopened for review. However, I later received a letter saying that the original decision to deny my claim would stand. I have called the Bank of America Claims Department at least three times regarding this fraud issue, and every time they reopen the claim and then deny any compensation. No reason was given for the decision at any time for this case of clearly fraudulent transaction. Yesterday was my latest attempt to open the case, at which case I was asked to resubmit the police report, which I have done. It has now been approximately six months since my initial contacting of the Bank of America Claims Department, with no progress.
Consumer complaint received 2018-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

On XXXX/XXXX/XXXX I contacted NCB Management Services and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with NCB Management Services that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX Account : # XXXX XXXX XXXX XXXX XXXX is reporting XXXX late payments on an account that is now closed and paid in full on my XXXX and Tranunion Credit Reports. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written XXXX XXXX XXXX  XXXX to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report on the account listed as XXXX XXXX XXXX there are several inconsistencies which means neither credit bureau took the necessary steps to ensure they were reporting accurate information. The account report XXXX different ways. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type Government Student Loans Federal Federal Creditor Remarks : -- Current account/was a collection account, insurance claim or government claim or terminated for default. 
Student loan Fixed rate Term Length : -- XXXX  Month ( s ) -- Last Payment : -- -- XX/XX/XXXX XXXX is reporting the account as a CO XX/XX/XXXX to XX/XX/XXXX but then the account updates to OK this can not be possible and the other XXXX credit bureaus are not reporting it like that at all. The credit bureaus have failed to follow reasonable procedures outline in the FCRA.
Consumer complaint received 2017-07-29
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)

On XX/XX/XXXX, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CT)

I have a Fraudelent ID Theft problem because of a breach of XXXX XXXX XXXX XXXX 's data base. This is the second time I have had a problem calling Experian to initiate a renewal of my free 90 day ID Theft Credit Fraud alert via the phone number shown on the FTC website : XXXX XXXX XXXX. They do not have a distinct option ( or number ) for dialing into and resolving this problem. I submitted a similar complaint to the CFPB on XXXX/XXXX/2015 Case number XXXX, which was resolved in my favor. This problem constantly recurs, and there is a distinct attempt to direct the consumer to a credit freeze, because that is the closest option available for a ID Theft Alert, and it is a service the consumer must pay for. Please help me resolve this problem, not only for myself, but for other consumers as well. 
Thank you, XXXX XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (TN)

have been trying to close account forXXXX dollars and some change as per there web site able to c lose by web but cant log into accont they XXXX it and im not able to drive or have no way to go to branch i have sent letters and faxes demanding account closed and check mailed to me but all have went unanswered
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MD)

I had a loan with GM Financial that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with GM multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.
Consumer complaint received 2022-02-19
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: CNG FINANCIAL CORPORATION (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CHECKNGO/AXF XXXX Date Opened : XX/XX/2016 Balance : {$87.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.