davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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: Consumer Portfolio Services, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Yamaha Motor Finance Corporation USA (OH)

On XX/XX/XXXX I purchased a Yamaha Jet Ski from XXXX XXXX  XXXX XXXX   in XXXX, Ohio. They arranged financing through XXXX XXXX which was serviced by XXXX XXXX Therefore, the Title to the Jet Ski in the State of Ohio has a lien against from XXXX XXXX. In XXXX of XXXX, Yamaha Financing took over the Loan from XXXX XXXX. On XX/XX/XXXX I paid off Jet Ski with a final Lump sum payment of {$6600.00}. At that time, Yamaha Financing who I made final payment too, told me it would take 15-30 business days to send me the title. Since that time frame expired, around XX/XX/XXXX have been making multiple phone calls to Yamaha Financing and XXXX XXXX. Yamaha Financing continues to repeat they are waiting for " title '' from XXXX XXXX, XXXX XXXX says everything was transferred to Yamaha Financing in XXXX of XXXX. By my count we are at 60 Business Days since I made final payment, I feel I should have my title by now, I do not understand how Yamaha Financing can take my final payment of {$6600.00} while XXXX XXXX still has a Lien against title. Or how XXXX XXXX can still have a lien against my Title if they transferred everything to Yamaha Financing in XXXX of XXXX. Do I have any legal rights as far as getting the Lien removed in a timely fashion after making final payment coming up on 3 months ago?
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint against EXPERIAN credit bureau, pursuant to the Fair Credit Reporting Act Section 623. I sent a notarized letter ( See EXHIBIT ( A ) via certified mail ( See EXHIBIT ( B ) return mail receipt ). 

The purpose of this REQUEST is to have only CERTIFIABLY COMPLIANT REPORTED, physically verified, valid personal identifier information that EXPERIAN create, retain, receive, and or release. Experian has refused to honor my request, for no reason. Attached is a copy of the investigation results dated XX/XX/2022 Report number # XXXX ( See EXHIBIT ( C ) The purpose of my request was because at age XXXX, I am concerned about Fraud. That wrong address information could jeopardize my identity or lead to fraud or various credit scams. So, my request was for identity protection.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX, Company Inquiries : 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 2022-04-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 u.s.c. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-22
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX is the name of the business based out of Virginia, yet I get calls every single day from around the U.S. These are not from their designated other locations and they use a different phone number every single time. You block it, they call you from another fake location. Starting from the most recent : XX/XX/XXXXXXXX XXXX, IL, XX/XX/XXXX XXXX, MA, XXXX XXXX, CA, XXXX XXXX Kentucky. They have called me from four different locations, four times in the past seven days. When you answer the phone, they very clearly are some scheme because they hang up after ten seconds of silence, every single time, and it is under the guise of attempting to collect debt if you ever call the number back, if it doesnt say the line is disconnected.
Consumer complaint received 2020-08-24
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: Kimball, Tirey & St. John LLP (CA)

I called this company and they apologized for the inconvenience. A former resident named XXXX XXXX used my name for the lease of that property when really it was his own son XXXX XXXX that was living there. I never lived there. This is fraudulent information. I have also spoke with XXXX XXXX himself and he informed me that he notified the company of this error and has paid the debt. I had nothing to do with this property.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

XX/XX/2019 Auto debt for my Citibank thank you card in the amount of XXXX $ was supposed to be debted out of my checking account. Instead close to {$4000.00} was debted out. Leading to a missed payments of my mortgage, daycare, and other utility bills. The company states that they will look into the situation and get back to me within 2-3 business days. By that time I will have racked up over {$300.00} in return charges.
Consumer complaint received 2022-09-14
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. (MS)

On XX/XX/XXXX, I contacted XXXX to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from XXXX stating they were making a negative entry to my credit report. I called XXXX  and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about XXXX correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from XXXX XXXX relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking XXXX to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.
Consumer complaint received 2020-07-22
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 (AL)

Capital one bank is reporting a late payment on my account after i have asked them as a goodwill to remove the late payment.i disputed these late payments on this account with the credit bureaus and it came back verified i have since then contacted the company and haven't received proof of late payments. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

it started XX/XX/2019 and they sent me a bill staying that i owe {$7500.00}. I sent multiple letters and called multiple times and they told me that they wont update my account due to me not giving my social security number.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One charged me a {$15.00} late fee on XX/XX/XXXX and a {$15.00} late fee on XX/XX/XXXX. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. Please note, I have did not sign up for paperless statements for those billing periods. If Capital One disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. 


In addition to this, I obtained refunds from several companies for returning merchandise. 
{$29.00} refund on XX/XX/XXXX, {$380.00} refund on XX/XX/XXXX, {$29.00} refund on XX/XX/XXXX, {$480.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$270.00} refund on XX/XX/XXXX, and a {$180.00} refund on XX/XX/XXXX. Please provide a credit for the interest charges associated with these charges that were refunded. 

Please note, I am requesting a refund for the late fees, interest charges associated with those late fees, and interest charges associated with the charges/transactions that were refunded by the merchants. Thank you.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2019 my checking and savings account at Boeing Employees Credit Union was almost completely cleaned out by someone who was able to easily gain access to my account, despite my best efforts to use a complex and unique password for online banking. Three outgoing transfers, via the XXXX instant transfer service, totaling {$970.00}, took place all within the same minute, according to notification emails I received. I had until this time never enrolled in the XXXX service. Immediately upon seeing these emails, I placed a call to BECU and was on hold for a short amount of time before a customer service representative was able to speak with me, confirming the successful login earlier by the criminal. It was apparent BECU had not flagged any of these actions as potentially fraudulent, and only after I called did they freeze my account. I was then placed on hold for an extended period for an unclear reason, so I could speak to a technical support representative. I had to repeat the same conversation with this rep, who told me they had frozen my account and an investigation would be started. Both representatives did not appear to take the situation very seriously, and I was not given any information regarding investigation for my own reference. This event is particularly disturbing, considering that I have contacted BECU numerous times in the past to complain about how weak their password reset system was, and their lack of a robust two factor authentication system. Currently their online banking system should ( and seldom does ) ask for a XXXX based token when logging in from a device their system deems new, but this is easily bypassed by answering some personal information questions. I have implored BECU to strengthen their online banking security, only to be brushed off. Their gross negligence exposes their members to unnecessary risk of fraudulent transactions, despite proactive members best efforts to use a strong, unique password.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (TN)

A XXXX XXXX credit card was opened in my name. I received the 1st month 's bill. I contacted XXXX XXXX and told them I never applied for a credit card, and told them to cancel the card. XXXX XXXX neglected to cancel the card. So whomever had the card maxed it out. Didn't hear anything else about the card until Midland Credit Management contacted me. I explained the situation to them. They stated the would start an investigation. I never heard anything back from them. When I disputed the account through XXXX. When this took place Midland Management sent the account back to the credit bureau with a different amount on the collection.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates changed the AGE DATE of ( 2 ) debts appearing on my credit reports to XXXX and XXXX from original dates of XXXX and XXXX, respectively, knowing both were currently OUTSIDE THE STATUTE OF LIMITATIONS since appearing on my report in XXXX. The agency known as Portfolio RC at that time originally reported his dept to XXXX, XXXX  and XXXX. I have disputed these numerous times through XXXX  XXXX, each of the credit reporting agencies separately in writing and electronically, yet this agency has FAILED TO PROVIDE DOCUMENTATION about these debts, refuse to adjust the age date AND CONTINUE TO CHANGE THE DATE OF COLLECTION. They have recently changed the age date from XX/XX/XXXX to XX/XX/XXXX on one of these accounts that they refuse to have removed from my credit reports! I have not contacted them directly in any way prior to XXXX because when I do they reset the clock on the age date of the accounts. Additionally they have threatened me, used foul and abusive language and deceived me into believing they can garnish any of my income.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERIS BANCORP (GA)

On XX/XX/XXXX, I contacted Ameris Bank regarding their reporting of my account accurately. They reported that I was 30 days past due when I was not. I am currently in temporary modification until XX/XX/year>. After XXXX, my regular payments will be {$1600.00}, the temporary modification payment. When reporting that I am late, they say I'm 30 days late and am not behind on {$2100.00}, which is accurate. My original monthly payment is {$2000.00}, not {$2100.00}. I paid my modified payment of {$1600.00}. In XXXX, when I called, they performed a credit dispute, and it fixed the error. I called on XX/XX/year>, with the same issue, and the rep refused to perform a credit dispute and told me to email XXXX, their research team, so they can research it and fix it. I kept getting error messages when I emailed, and my email was not going through. All reps have advised me they are legal to provide information when I say it is inaccurate. Their response is we are legally supposed to report, and I respond with yeah, accurate info, they its accurate when its no. I have attached a copy of the emails that bounced back, the XXXX report showing the inaccurate reporting & showing the accurate monthly payment not in the payment plan. Loan number is XXXX
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

In the midst of COVID-19, I never completed a forbearance application from New Rez at Shellpoint Mortgage Servicing which they processed anyway even though I called to tell them I did not agree to this and have been making all my monthly mortgage payments. It now appears on my credit report which is keeping me from refinancing my house at a great low rate until it gets corrected and shows that my mortgage loan is not in forbearance. It has been almost 2 weeks since initially contacting New Rez when my refi loan  officer told me they could not process my loan until this credit report information was corrected by New Rez. I have taken notes and talked with a number of representatives but keep getting the run around. I have tried to follow their recommendations and emailed the XXXX XXXX XXXX and called and emailed the " authorized point of contact '' person but have been completely ignored by them. I do not want to lose this low interest rate refi loan opportunity and 2 weeks is plenty of time for their error to be corrected. I want this corrected by them immediately!
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

During the month ofXX/XX/2019 through initial days ofXX/XX/2019, IC Systems Intl , Inc, has refuted disputes, I filed specifically with XXXX to request they ( IC Systems Intl , Inc ) produce any evidence supporting that their reporting to XXXX is valid. I did not retain XXXX XXXX XXXX, service ( s ) at any point. I am XXXX and receive XXXX. XXXX  has not resolved this issue. The only reason, I have not filed suit and a Motion to Compel, removal of this falsehood, is because, I am uncertain where to serve the reporting agency with a Duces Tecum subpoena included. 
Please interceded. I requested in XX/XX/2019, from IC Systems , Inc, any proof of a contract or service and type of service. The only repetitive statement, they have to substantiate this false alleged debt is that it matches my social security number. This disparity in reporting has had a substantial adverse effect on me psychologically, physically and financially. No legal basis exists for any contract in this case. I have not hired or requested any products from the agency IC Systems Intl , Inc, bought this issue from ( XXXX XXXX ). I am on public assistance and XXXX with very restricted financial services to challenge the falsehood this company asserts against me. 
Thank you for your, time, courtesies and efforts in advance.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

I filed a dispute with Experian as they have greatly reduced my credit score due to a voluntary surrender on a mortgage loan that was awarded to my ex husband in our divorce in 2009. I NEVER signed anything voluntarily surrendering the home back to XXXX and in fact tried my best to stop that process and without my signature and proper notification they repossessed and sold the home against my will. I do not feel it is proper for them to report on MY credit report that I voluntarily surrendered the home.
Consumer complaint received 2020-08-27
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: V and H Portfolio (GA)

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.