davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

I rented a car from XXXX in XXXX on XXXX XXXX, XXXX. A few days later the car completely stopped running and I had to call a tow truck to have it towed. I paid US {$380.00} for this car that died. I then had to rent another car, which was supposed to be a 4 wheel drive, and when I picked it up at the airport the car was not a 4 wheel drive. I had to wait an additional day to get a 4 wheel drive car, using up 2 days of my vacation. I paid an additional XXXX {$600.00} for the second car. I paid for both cars on a XXXX credit card. 

XXXX told me the car died because I drove through a puddle. This was not at all possible, as the car was FACING the puddle when it died, and I had not even gotten to the beginning of the puddle at all. In addition, when I picked up the second car the XXXX merchant told me I would not be charged anything additional for the car that died. 

On XX/XX/XXXXXXXX charged my credit card an additional US {$3300.00} for the car that died. I disputed this charge with my credit card company on XX/XX/XXXX. Attached is letter I sent in dispute of this amount to XXXX credit card. The credit card company resolved the dispute on XX/XX/XXXX in my favor and I did not pay the disputed amount. 


On XX/XX/XXXXI received a letter in the mail from XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX / XXXX claim No. XXXX The letter claimed I owe US {$3300.00} the letter is attached and states : " recently you requested information to support the creditor 's request for payment of this account. Enclosed is the necessary information for you to identify the account. '' I NEVER requested any information from them or anyone else. 

I called the tel. number on the letter on XX/XX/XXXX The person who answered would only give his first name ( XXXX ), would not give his last name or physical street address of his office. He said he was located in the XXXX, said there was no professional license, then hung up on me.
Consumer complaint received 2023-01-31
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2020-06-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NJ)

I returned my leased XXXX XXXX  XXXX  to XXXX XXXX  at the end of XX/XX/XXXX. The final lease payment had been made on XX/XX/XXXX. My lease stated that I may owe an end of lease amount upon return of the vehicle. I asked three different people at the dealership, including the manager, if I owed any money as I was prepared to pay it that day. They all told me that nothing further was owed. In XX/XX/XXXX, four months after return of the vehicle, I received a bill from Hyundai Financial  in the amount of {$460.00}. I returned the statement with a note to contact XXXX XXXX  as they had told me that I didnt owe anything. I received another bill in XX/XX/XXXX. I again returned it with a note to contact the dealership. In XX/XX/XXXX I was notified by my credit monitoring company that my XXXX credit score had decreased by almost 200 points because of a report of a late payment by Hyundai Finance. I have called Hyundai on multiple occasions and was told to file a written dispute, which I immediately did. The Dispute Resolution Department does not take phone calls. I also filed a dispute with all three credit bureaus. I received a form letter from a Hyundai stating that my inquiry is complete and that if appropriate I would see a change in my credit score, which Has not changed since the 200 point drop. I dont understand how a company can bill me 4 months late and then report an invalid debt to the credit bureaus. I have had perfect credit for my entire life, I have never once had a late or missed payment. One erroneous entry from Hyundai has taken my score from excellent to fair. Noonefrom Hyundai Finance, XXXX XXXX  or the credit bureaus will speak with me. How do I get this resolved?
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

This happens every time I re-order checks from Wells Fargo bank. Each time I end up using a customer service agent who does not listen and submits the order incorrectly. I was sent the duplicate check package ( rather than single checks with no carbon copy ). It takes 2-4 weeks for delivery. The checks arrive and the are wrong ... the checks are double/not single. I call about the issue and am told they will replace the checks ( least they could do ) but it would take an additional 2-4 weeks for them to arrive [ making the process more like 4-8 weeks from my perspective. 1 ) I requested since it was their error that they would expidite the shipping, they refused ; 2 ) I needed to inquire if there was a difference in pricing between the dup ; licate vs single checks and yes ... there was an {$8.00} difference. Had I not made this inquiry and insisted, Wells Fargo inrtended to keep the {$8.00} difference in the cost of the checks. Over the space in any given period, how may times does this happen, begging the question how many times does Wells Fargo overcharge customer for products as a result of their mistake. I should have been notified ( without prompting and their having to research ) if the unit price for the order was different and that difference automatically refunded, not needing to be specifically requested ; and 2 ) the order since it was incorrect should have received the expedited shipping as a courtesy ( if not compensation ) in recognition of the inconvenience. I am : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Bank was Wells Fargo and the Case # is XXXX. Major to me that over millions of customers these fees which are overcharged add up and that they seem to take no responsibility for their ewrrors. Simply reprocessing is the bare minimum of their due responsibility. Thank you.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 section 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 any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch antedates the report by 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 the information is inaccurate
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

am a victim of identity theft and I want this fraudulent information removed from my credit report immediatly : XXXX XXXX XXXX, XXXX XXXX Mi XXXX
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: MicroBilt / PRBC (formerly CL Verify) (GA)

My identity was stolen and the person has use it to get services in my name for them! Most of the inquiries are for apartments. I purchased a home XX/XX/2017 all the inquiries are for an apartment or loans! I have police reports and my photo is to prove it wasnt me!
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I'm not swayed that XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX  are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX XX/XX/1969 my complaint is that there's a judgment on my equifax credit report from XXXX XXXX the credit reporting agency unlawfully report this fraud item on my equifax credit report. Judgment s no longer and tax Leins don't suppose to report on my credit report that applies to all consumers
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

On XXXX XXXX, XXXX, I requested in writing that Fair Collections & Outsourcing validate their claim for {$610.00} for carpet damage. They would never provide a ledger to prove age of carpet in order to calculate prorated cost as stipulated by state law. Also no proof of damage was given. On XXXX XXXX, XXXX, Fair Collections & Outsourcing offered a settlement of {$300.00} but provided no proof of debt. The collection is listed on my credit reports for {$610.00}.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (VA)

I have been trying for XXXX days straight to contact a live person at Direct Express. I am a XXXX XXXX who receives her social security XXXX on a Direct Express prepaid card every month. It seems ever since I file complaints with your agency before against Direct Express it's as if they are retaliating against me. Cuz whenever I try to call I have to put in my card number and then I am unable to ever get a human being on the phone they just totally disconnect me. I have a question about why I can't transfer money from my account to my XXXX XXXX card so I can use it to do my laundry with. I do not like using my actual Direct Express debit card to do transactions in public places. So I used to be able to transfer money from Direct Express to my XXXX XXXX card and then use my XXXX XXXX card. Ever since the last time I filed a complaint with Consumer financial protection bureau Direct Express has made it impossible for me to transfer anything they've made it impossible for me to get a human being on the phone and they keep hanging up on me. I'm getting tired of the way that they treat me as a customer. They should not be allowed to retaliate against people who have filed complaints against them before. I have other friends who have been able to get right through to Direct Express but when I call and put in my account information it just cuts me off. To me that's unacceptable I have valid account questions and I can not get anybody on the phone.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-01-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CA)

For YEARS i have been disputing with the department of Education about the erroneous information they continue to report to Credit Reporting Agencies, and for YEARS this company has refused to fix the problem. In XXXX of 2019, the accounts are reported as being paid on time, however, in XXXX of 2019, the accounts are reported as 90 days late! This same thing happens again at the end of the year. In XXXX the account is reported as paid on time, however in XXXX is reported as 90 Days past due. It is impossible to be on time one month and then 90 days past due the next month. XXXX is knowingly publishing information that is clearly false, solely because the company tells them to. This is being done despite the many efforts to inform not only the Department of Education but also XXXX of these violation of the FCRA
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CA)

I received the attached voice messages and email from Alternative Dispute Resolution on behalf of XXXX XXXX XXXX saying that I owe them an amount of {$940.00} in which I do not recognize. They also mentioned in the email that they will contact my employer regarding this matter. I suspect this is a collection scam.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (NJ)

I sent Experian several letters to dispute my account due to unable to verify or validate accounts. They responded sending me a credit report that belongs to my grandmother. They stated that the error is my fault because I didnt provide my ssn or date of birth. They say because I did not supply the information in my letter they assumed it was my grandmother who has a different address, name, Ssn, dob, etc. They refuse to own their mistake or reinvestivate my dispute which did indeed include all information to verify my identity. This is why the company is in trouble for security breach. They are sending information without authority. My grandmother is very upset and looking into a lawyer.
Consumer complaint received 2020-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

On XX/XX/2020 I was contacted by a collection agency about my private student loan. I checked Navient 's website and found my loan was in repayment with the last amount due showing in XX/XX/2020 which was paid. No amount due was shown after this, and with the cares act everything was assumed to be in order. XX/XX/2020 I contacted navient by phone and was told their website no longer updated even though it showed that it had been updated that day and my loan was still showing as in repayment with no amount due. Navient 's collection representative then informed me she had no access to my account other than the balance and that I would have to cl tact the collection agency to pay the amount in full within 30 days. According to the records I have access to on Navient 's website, they have been accepting payments for that account and my account is in good standing. 

Upon checking my credit report, Mavient is reporting my account as delinquent and has been for over a year along with making regular credit Inquiriees without my permission.
Consumer complaint received 2017-08-01
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. (MD)

The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with XXXX XXXX without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.
Consumer complaint received 2018-07-11
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: Santander Consumer USA Holdings Inc. (IL)

I recognize that XXXX XXXX submitted unauthorized inquiries on my credit report for financing 16 times on XX/XX/2018. 

Santander Consumer is one of the companies that it solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did this. It lowered my credit score by 200 points.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

XX/XX/XXXX my social security was deposited into my chime account I had moved it from checking to my XXXX XXXX XXXX. I received a XXXX security alert saying someone was changing phone number to my XXXX to take care of securing my account before I could log in they changed email and password which I couldn't recover then locked me out of XXXX which was changed as well I couldn't recover account then I searched for phone number to XXXX and the number XXXX search results gave a phone number I called they answered XXXX  support I explained they remotely was in my phone and went to XXXX  pay which XXXX was linked to and went to my bank account and transfer money back into checking and then paid themselves from my account.i notified chime and they denied claim said I was apart of it but they never notified me that there was a transaction for XXXX was I trying to pay this person. So right in frt of my eyes it was gone and they won't give it back and I'm afraid it will happen again.. XXXX XXXX XXXX email all cards and no help they made fun of me crying
Consumer complaint received 2020-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.