davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (CA)

I took out a payday loan with XXXX XXXX XXXX on XX/XX/XXXX for {$2600.00} which I was unable to repay and XXXX XXXX XXXX enlisted the services of XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) to collect on their behalf. I settled with XXXX for {$1600.00} and made 16 payments of {$100.00} ( totaling {$1600.00} ). Per XXXX XXXX XXXX, XXXX only sent them {$260.00} as payment on my loan and thus XXXX XXXX XXXX sold the loan to Real Time Resolutions, who began collection efforts. I sent Real Time Resolutions ( RTR ) a fax containing my bank statements documenting my 16 payments to XXXX, but they have stated that they can not prove that the payments to XXXX are linked to the XXXX XXXX XXXX account. When I called XXXX to ask for proof of my payments, a switchboard operator informed me that XXXX is no longer in business and thus can not provide me with documentation. RTR has put the account on my credit report as a collection for {$3000.00}, which is false, as I made the settlement payments as agreed to XXXX. RTR has refused to remove the account from my report.
Consumer complaint received 2018-01-23
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: BBVA FINANCIAL CORPORATION (IL)

BBVA has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified BBVA customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to BBVA they promised a call back but never did. On XX/XX/XXXX I called BBVA offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The BBVA rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by BBVA. I then called back BBVA and advised them of my investigative findings. BBVA promised a call back and I never received one.  Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.
Consumer complaint received 2016-04-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MA)

Hello, My principal loan amount on my XXXX 2016 statement from Seterus went up XXXX. I have called and written the office for a explanation and the company can not provide any documentation of the increase of my principal balance. I was not given any written corpsependence regarding why. After calling multiple times and faxing for a answer im now being hung up on.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

As of today XX/XX/XXXX Toyota/ Lexus financial services is still reporting my account for the leased Lexus XXXXXXXX XXXX XXXX as an open revolving account in the amount of {$31000.00} with intial starting loan balance of {$45.00}, XXXX with beginning intial payment XX/XX/XXXX as I have attached as proof. This is inaccurate as the account was closed as of XX/XX/XXXX with a XXXX balance as payment had been received by XXXX to Lexus in the amount of {$42.00}, XXXX as a total loss with a mailed letter of guarantee for the title to XXXX on XX/XX/XXXX per Lexus intial response to deceptive credit reporting complaint to Consumer Financial Bureau on XX/XX/XXXX stating that account had been closed with XXXX balance per Lexus. I have also attached this intial reponse to this complaint as well for review. This account is inaccurate in the amount and open status and Toyota/Lexus is fraudelent and deceptive in thier credit reporting actions. I have also attached the dispute I submitted with the credit bureaus on XX/XX/XXXX as well to show account is still inaccurately reporting on my credit report.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Transunion ( credit bureau ). This was actually a third letter to the bureau, stating that the capital one account with a {$200.00} balance is fraudulent. The company refuses to abide by the law and remove this fraudulent account under section 605b of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-24
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. (MO)

How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX I recently checked my credit report and noticed inaccurate account reporting. Below named company.
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: EQUIFAX, INC. (GA)

XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX- This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX - Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.
Consumer complaint received 2018-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account :
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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I received a call from Chase Bank fraud prevention department on XX/XX/XXXX, that they see some transactions done in XXXX on XX/XX/XXXX and XX/XX/XXXX at below stores using XXXX XXXX . As per Chase bank they declined few transactions as it was suspicious but posted below transactions to my account. 

{$1100.00} ( XXXX XXXX XXXX ) {$810.00} ( XXXX ) {$800.00} ( XXXX XXXX ) I immediately mentioned that charges were fraud and not done by me as I did not use XXXX XXXX  ever and was physically present in USA during that period.The Credit card was in my possession during that time. 

Chase bank removed the charges from my account for few days and reposted back the same amount on XX/XX/2021 without any intimation. Upon contacting fraud department of Chase bank they mentioned that " I was benefited from transaction '' so they charged me the amount. I provided all the facts of my physical presence in US during that time and also mentioned that this charges were fraud and I have no link tied to this. I provided my passport copies which clearly mentioned my physical presence in US during that period. Also the charges are fraud which I am being billed by Chase bank. There is no communication from Chase bank on what basis my fraud case was closed and did not provide any justification. 

My passport was under renewal at XXXX XXXX XXXX XXXX, XXXX from XX/XX/2021 till XX/XX/2021. The fraud transaction date was on XX/XX/XXXX during which my passport was under renewal process and definitely I could not travel without my passport. Attaching the same info along with CBP data for my recent US entry/exit dates. With all this proofs I decline the charges charged to my Credit card using XXXX XXXX, which I believe I am victim of this fraudulent crime held.
Consumer complaint received 2018-01-24
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: Experian Information Solutions Inc. (MO)

How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I sent an identity theft complaint to Experian XXXX XXXX XXXX XXXX by certified mail. According to the XXXX, Experian was supposed to block the information deemed as fraudulent due to identity theft on my credit report. As of XX/XX/XXXX Experian never blocked any information deemed as fraudulent due to identity theft on my credit report. Also, Experian never gave me notice as to why the information was never blocked from my Experian credit report. Experian is in violation of section XXXX ( XXXX ) ( XXXX ) of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-24
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: CarFinance Capital LLC, Irvine, CA Branch (CA)

On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- CARFINANCE.COM Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Berndt & Associates, P.C. (MI)

I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only equifex deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX XXXX XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is Berndt & associates, P.C XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (MS)

I closed this account from XXXX almost a year ago. I paid off my equipment fee and last bill, and even called XXXX to verify it after I received a bill from them again. They told me they would call the local store and verify and never contacted me again. Furthermore, I have NEVER, I repeat, NEVER EVER received any form of communication from a debt collector concerning this debt. I am just now seeing this debt, thanks to XXXX XXXX, and it infuriates me that no debt collectors, nor XXXX XXXX, has tried to contact me to inform me of any such debts, although I paid them the day I closed my service with them. There should not even be a debt to begin with. Either way, I want this settled ASAP.
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: BARCLAYS BANK DELAWARE (TX)

I have an inquiry from Barclays on my credit report. I never authorized this. I have a fraud alert on my account and I am to be notified when my credit is pulled. I was not contacted. I have contacted Barclays 3 times. When I provide my social security number, they aim to not be able to locate me. However, their inquiry remains on my credit.
Consumer complaint received 2018-01-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NY)

This is a follow up to case # XXXX. I was not able to respond to Hyundai 's " response '' prior to it being closed. I turned in my leased Hyundai on XX/XX/XXXX. In XX/XX/XXXX I received a bill from Hyundai for {$630.00}. I was aware of the {$400.00} disposition fee which was clearly disclosed in my signed lease agreement. I paid it on XX/XX/XXXX. I called and spoke with XXXX at Hyundai who informed me that the extra XXXX was for damages to the vehicle. I vehemently disagreed, there were NO damages to the vehicle ... NONE. He proceeded to tell me that they had photos to prove it, and described it as `` road rash '' on the right front bumper. I had at least one other conversation with people at Hyundai where they were very insistent that the fee was for these claimed damages. As a matter of principle, I chose to dispute this. Now, imagine my surprise when the in response to my last complaint, Hyundai themselves admit that the fee was NOT for damages ... .but rather for an early lease turn in. Make up your mind Hyundai!! I called XXXX XXXX several months prior to turning in the vehicle to find out about turning in early and was clearly told that I could turn the car back in as early as 120 days as long as all my payments were satisfied. I paid all of the contracted 36 payments on time, in fact ahead of time. No one at the dealership mentioned that I might be turning in early. So, Hyundai ( since they ca n't prove damages - because they were n't any ) now  conveniently has come up with another reason for this fee. In the meantime they have reported the {$230.00} as " late payments '' and essentially tanked my credit score. Case of big business harassing the little guy.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a home mortgage loan with Bank of America for a rental property I own that went through a loan modification from XX/XX/XXXX-XX/XX/XXXX. I made all of the modification payments on time, and I received a permanent modification of the loan in XX/XX/XXXX. Bank of America has sent information to all XXXX credit bureaus showing that the XX/XX/XXXX payment was late. I only realized this error was on my credit report recently after going through the process of trying to refinance the mortgage at my primary residence. I spoke with Bank of America several times about it, and they have consistently stated that their records do n't show that my payment was late. I have tried to dispute the item with XXXX and XXXX several times, but they are telling me that Bank of America 's records show the payment as late. It is very difficult to talk with someone at the credit bureau to understand the source of the records, but it clear at this point that Bank of America has sent erroneous payment history to all XXXX credit reporting agencies. I also completed a loan refinance for my primary residence last year, and I had to accept a higher interest rates because my mortgage FICO scores were higher than my regular FICO, due to the error from Bank of America, which is the only late mortgage payment on my credit report for the last 10 years ( and half of that time, I had XXXX mortgages ) .s.
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I was told today by your offices to file another complaint to try to force Wells Fargo to answer through your offices. The original CFPB Complaint number was XXXX, which was filed in XX/XX/2016. i will attempt to attach subsequent correspondence between myself and Wells Fargo via phone calls, E-mails and faxes in chronological order. Basically, all Wells Fargo has done is to stall by forwarding the information between California, Oregon and North Carolina and force me to keep answering the same questions repeatedly.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX  XX/XX/23, has violated my rights. 

XXXX  XX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. 

5 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-10
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. (TX)

I recently looked at my credit report and it shows I have two late payments showing on my credit report from XXXX. I am a current student at XXXX XXXX University. I had already received a email that my student loan payment was extended til XX/XX/XXXX back on XX/XX/XXXX, however, I have returned back to school as of XX/XX/XXXX. I called XXXX this morning to inform them of the error on my report and the lady said I don't start paying anything back until XX/XX/XXXX, which is the year I graduate. So if they are not reporting it and it is showing under their name on my credit report, then why is it there to say I have a late payment in red? I received a letter in XXXX that it was going back to XXXX from the U.S. Department of Education. I have all the documents that was sent to me. I just spoke with XXXX as well and they gave me a breakdown and I am on a deferment until XX/XX/XXXX and then it will start over until I am done with school in XXXX. I have provided all my documents.