davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
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: ID Analytics, Inc. (FL)

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my XXXX  credit report had also been made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX, 2019, respectively, I received letters from XXXX XXXX XXXX ( SageStream LLC and XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (IN)

This all has to do with my first complaint against XXXX XXXX  They recieved payments from me that the hacker/scammer reversed that I made over the phone with my debit card that had posted and cleared for weeks that I didnt reverse or return or want it done. Well after this I provided multiple proof for the hacker and explained my situation and XXXXXXXX XXXX claimed they sent the money back to credit acceptance that now claims I never ever paid at all.. I provided bank statements or returned actions to prove the payment via email and gave permission talk to my bank we have spoke 3 way with my bank and them on the phone to be un hung up on. My money has just disappeared now not XXXX  or credit acceptance can explain where its all at. They sent the repo company out and forced me to pay XXXX or they was going to take my vehicle and all tools inside which they would not let me get out. I explained my situation made payments to be embrassed harassed and completely just shamed and stressed.
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (NC)

I have submitted several letters to the credit bureaus and have been ignored for the past 90 days, I have inaccurate information on my credit report and demanded on several occasions that they be taken off. Starting on XX/XX/2020 I disputed inaccuracies with my mailing addresses and names on the account, on XX/XX/2020 I disputed 5 accounts on each reporting bureau and certified the copies and have yet to hear a response, i also enclosed copies of my drivers license, w2 with social and two forms of residency proof and got one letter saying i failed to identify on my address cleanup. I am in the process of certifying another letter with 5 more disputes per bureaus and I am in frustration and am ready to file a law suit against the agencies for the damage of my report. I would appreciate if you can look into this further.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-09-22
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. (CA)

I have contacted XXXX  XXXX XXXX XXXX XXXX XXXX XXXX to clear fraudulent accounts off my credit report and have not gotten anywhere. They told me to submit my request directly with the 3 major credit bureaus. I have sent in 3 valid identity theft and police reports and still nothing has been done.
Consumer complaint received 2019-10-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

NMAC Charging adding additional fees to final payment amount. I used to get montly bill for payment XXXX $ they charged XXXX $ and while i'm trying to purchase vehicle and called customer service around XX/XX/2019 got pay off quote for XXXX $ and customer service agent said that I need to pay any extra amount as my lease is ending on XX/XX/XXXX and I have Grace period of 10 days till XX/XX/2019 with out any extra fees I can return or purchase the vehicle. On XX/XX/2019 when dealer got pay off quote for purchase they increased to XXXX $ and says the previous quote is valid till XX/XX/XXXX. After talking to customer rep XXXX she says it is extra taxes and she disconnected my call and I called and connected to XXXX and he says it is interest rate charged for next month. He tries to argue I need to pay extra amount they can't do anything. Every representative gives different prespective for extra charged amount. They are fishy and they don't stand on words they speak on phone. Each representative has different context on extra billed amount.
Consumer complaint received 2019-10-30
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: LEXISNEXIS (FL)

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my TXXXX credit report had also been made by XXXX XXXX XXXXT-WH XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX,XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX ( XXXX XXXX and LexisNexis Risk Solutions ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (VA)

On XX/XX/21, I purchased furniture from Conn 's Appliance , Inc. invoice XXXX in XXXX, VA. The amount of the items purchased was {$4200.00} ( with fees XXXX + XXXX + XXXX ) a total of {$4600.00}. However the amount of the contract was for {$5800.00}. An overcharge of {$1100.00}. The math is wrong. ( The Lamp and end table were promotional items and were paid for in cash ). I was also charged for a Gaming Desk which purchase was cancelled. In addition the service contract was cancelled inadvertently without my knowledge. Attached please see a copy of the contract.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

See complaint # XXXX. The issue discussed in that complaint is not resolved. In a letter dated XX/XX/XXXX, Barclaycard responded to my complaint, informing me of a statement credit dated XXXXXX/XX/XXXX. The value of that credit, however, was only 50 % of two of my five qualifying onboard purchases. No credit was provided or has since been provided for my qualifying onboard purchases appearing on the statements that closed on XX/XX/XXXX and XX/XX/XXXX. Accordingly, despite the XX/XX/XXXX, credit, Barclaycard still has refused to provide the advertised benefits in the Business Card Agreement.
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (SC)

Service by XXXX XXXX XXXX was provided on XX/XX/XXXX. 

New bill was provided by XXXX XXXX XXXX on XX/XX/XXXX. 

Payment was made to XXXX XXXX XXXX and receipt received the same XXXX, XX/XX/XXXX, matching the amount of {$100.00} and the account number later provided by debt collectors. 

H & R Accounts Inc called to collect the debt in XXXX XXXX, at which point I indicated that the payment had already been submitted directly to XXXX XXXX XXXX and that they needed to get updated records from XXXX XXXX XXXX. 

XX/XX/XXXX, XXXX PM, the same representative from H & R Accounts Inc called again for the same debt, claiming it had not been paid. I provided the information from my receipt, which matched the debt he was calling about ; however, he insisted their records state differently, and I requested again that they get updated records from their partner, XXXX XXXX XXXX. While trying to clarify what other information was needed and the next steps they would be taking, the representative hung up on me while I was asking questions. 

XX/XX/XXXX, XXXX PM, I immediately called back and reached another representative who confirmed my identity and repeated the debt they have according to their records. I again provided information from my XXXX XXXX XXXX receipt, all of which matched the debt in question. I pointed out to the representative that there appears to be a systemic issue with their record synchronization between H & R Accounts and XXXX XXXX XXXX and was told that they will request updated data from XXXX XXXX XXXX. 

I have lost XXXX minutes of time during my workdays dealing with H & R Accounts Inc 's false debt claims.
Consumer complaint received 2017-08-09
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: TOYOTA MOTOR CREDIT CORPORATION (TN)

In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) Toyota ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that Toyota would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, Toyota Financial, and XXXX. In XXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XXXX XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (IL)

I purchased XXXX prepaid cards and loaded them with XXXX dollars. They are from ( XXXX ) XXXX from netspend and ( XXXX ) XXXX from XXXX and I have reached out to both companies and all they did was gave me the runner round. I sent in all of the documentation regarding this issue and they said 5 days, and this has been going on for a month now. They asked if the cards was in my possession and told them they was. And the cards that I purchased has another name to these cards. So XXXX of the recipes are fading from being in my wallet. So the cards that I submitted will not be in my name and it will have someone else name on them.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NV)

Sunday the XXXX of XXXX I received an email form TD Bank that said I had opened a bank account. I then received XXXX additional emails saying that the phone number and email was changed. I called the bank and reported to them what had happened. They told me the account was closed as of right then on Sunday the XXXX. On Tuesday the XXXX, I received another email saying thanks for choosing us again, and looks like a visa debit card was sent out. The morning of Wednesday the XXXX I called in again to report the additional email and make sure the account was indeed closed, which I was told it had been closed. I was told by the fraud department to report the incident to FTC.gov which rerouted me to this site.
Consumer complaint received 2019-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), Capital One Auto Finance ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my XXXX credit report had also been made by XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX and Capital One Auto Finance indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from Capital One Auto Finance stated that " the only addition to your credit report will be an inquiry from us. ''
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

On XXXX XX/XX/2022, I sent a sum of {$1000.00} to a XXXX XXXX after I was introduce to an crypto- currency investment for profits that I was convince to be legitimate type of investment. 

I sent {$1000.00} from Citi Bank account - XX/XX/2022 I found out later that this whole investment was a scam. I contact both bank right away. I have received a notice from Citibank that they are unable to assist in retracting the funds.
Consumer complaint received 2020-10-21
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

After recently reviewing my credit report I noticed several inconsistencies regarding account XXXX in the payment history section. In my XXXX all three bureaus reported late payments in the month of XX/XX/XXXX and XX/XX/XXXX. In my XXXX credit report XXXX and XXXX reported late payments in XXXX and XX/XX/XXXX, while XXXX reported three late payments in XXXX, XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, all three credit bureaus report late payments in XXXX and XX/XX/XXXX.  There are also several inconsistencies regarding account XXXX in the payment history section. EXXXX is reporting late payments in the month of XX/XX/XXXX, XXXX in the month of XX/XX/XXXX, and XXXX in the months of XXXX, XXXX, and XX/XX/XXXX. All of these reports can not be accurate and I have submitted several disputes with all credit bureaus over the last 2 years only for them not to thoroughly investigate and see what I see and correct theses errors and I would like for them to be deleted immediately.
Consumer complaint received 2019-10-30
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: Exeter Finance, LLC. (FL)

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and Exeter Finance Corp ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my XXXX credit report had also been made by XXXX XXXX XXXXWH XXXX XXXX XXXX XXXX XXXX MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019 respectively, I received letters from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (IL)

I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have attached a copy of all supportive documents for my statement
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made an international wire transfer through my account with bank of America for USD XXXX on XX/XX/XXXX to an account in XXXX. To date the money has never made it to the recipient account. I have made numerous calls ( an average of 1 call a day to bank of america since then ). I have spoken to their online banking team, digital banking team, wire transfer team, regulatory compliance team and even been to the a physical branch in XXXX GA after being advised to do so by a wire specialist and have had no luck. On Thursday XX/XX/XXXX, after enduring a lot of frustrations with no clear resolution, I decided to do a wire recall. I called back today XX/XX/XXXX and was still being given the run around. 

None of the BOA personnel seems to know what to do. I have been given so many conflicting information but no one can tell me if or when I will get the money. Of course I have lost out on the purpose for the money sustaining huge losses but BOA does not seem to care about me getting the cash back. 

Today XX/XX/XXXX, after being shunted around for almost an hour with no clear information, I was lucky to get connected to a supervisor out of NY who was kind enough to listen and empathize. However, he too could not give me exact information. 

I am reaching out to your group to see if you can talk to BOA on my behalf so I don't loose my cash ( more so after loosing out on the business ).
Consumer complaint received 2019-10-30
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: CarMax, Inc. (LA)

This company CarMax has placed a debt on my XXXX report in the amount of {$7200.00} that was removed from the other two reports as it couldnt be validated. I also proved that I had no knowledge of the account. It is also passed the statue of limitations of seven years. I would like for it to be removed promptly from my credit report.