davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wrote BofA check number XXXX ( {$1700.00} ) to XXXX XXXX   for a mortgage payment in XX/XX/XXXX. XXXX did not credit my account. Upon review of check that was submitted for payment, the pay to name had been changed ( check fraud occurred ).  XXXX asked that BofA submit a claim to XXXX. BofA sent me a check fraud claim form in XX/XX/XXXX. I filled out this form, got it notarized and submitted to BofA, per BofA instructions. 
BofA received this on XX/XX/XXXX per USPS tracking for the response I sent. 
In Late XX/XX/XXXX, I got a letter from XXXX indicating they had stopped investigating this claim because they never received the notarized claim from BofA. I have called BofA numerous times and they still can not confirm that they sent my claim to XXXX. 
I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I  spoke to an XXXX at XXXX and XXXX. Each time, they said they had to talk to people in the back office to find out what was happening. To date, no one can tell me what BofA has done with my claim. 
Ive attached the USPS tracking form that shows delivery to BofA on XX/XX/XXXX and a copy of my notarized claim that I also emailed to BofA 2-3 weeks ago.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (TX)

On XX/XX/2024 I started a multiple step process to apply for financing with Carvana. 
I was told I was pre approved initially. 
After submitting all of the documents required there was an identity check questionnaire I had to complete. I attempted to answer all questions correctly, however because I didnt answer correctly they could not move forward with loan. 
I feel that this company is using deceptive practices by pre approving consumers, then when they decide its not an approval the company presents impossibly questions that will not be answered correctly in order to circumvent the adverse action process.
Consumer complaint received 2022-09-08
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2019-10-27
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: Experian Information Solutions Inc. (NJ)

First lf all my ame is XXXX XXXX XXXX.In the list months i have tried to get more credit and they denied it the. Tried to get a loan and they denied it the person that submitted the loan i asked him why they denied everything and he checked and saw the social is wrong but the name is wrong i contacted experian and they sent a report of credit number XXXX with name XXXX XXXX id # XXXX, XXXX XXXX XXXX ID # XXXX, XXXX XXXX XXXX ID # XXXX I only have only one name XXXX XXXX XXXX and one social security i dont have account associated witt no one else I never lived in XXXX XXXX XXXX XXXX Nor in XXXX XXXX place i havent lived in XXXX XXXX XXXX those are not my directions the social number XXXX, are not my socials the last time i work in XXXX XXXX XXXX XXXX was is XXXX from there from i worked as a XXXX  XXXX and for XXXX XXXX in XXXX XXXX XXXX my phone number is XXXX i havent had an account with XXXX XXXX and another bank i found on this list. I only have a credit Crd from XXXX  And XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i dont know what is the motive that this company experian has put me in these two account together When i dont have an account with these people the names of these people are common but the social are not it would be nice of you can get me out of this i have worked my credit then XXXX up to XXXX and today i found myself without credit because the company they suppose to have the information of the person that didnt do a good good with the info and have mixed the accounts of diffrent people only because of the name experian doesnt want to Fix this problem that i am in i will send a photo of my passport waiting for you to Fix this problem and a recipt of XXXX XXXX of XXXX that use for my finger print when you write back please write back in XXXX at XXXX XXXX
Consumer complaint received 2015-04-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I called to extend my lease for 1month. I was told the fee would be XXXX. I was told XXXX times that I would be sent the extension paperwork-not to send in the payment alone but with the document of extension. I was told this and waited. The paperwork did not come until 19 das later. My phone has been ringing with them calling me telling me that I am late ; I have explained my situation but to no avail. I have asked for the harassment to stop. I blocked their phone number but now another one of their phone numbers call. My last appeal for the incessant calls I was told that until they received the paperwork the calls would and could not stop. Interesting though I thought since they did receive my check. I have never been late with a payment and want others to know about the awfulincompetent service. I am afraid this will never be righted and my credit will be affected. The XXXX has had XXXX complaints in 30 days.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XX/XX/XXXX I returned a XXXX XXXX XXXX as instructed by XXXX. XXXX had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. XXXX still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, XXXX finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but XXXX continued to send me invoices each month. As you can see in the attached XXXX report the balance changed almost monthly for no apparent reason or without any clear itemization. 

Finally, XXXX claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask XXXX to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that XXXX had charged off {$2800.00} dollars. 

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call. 

I ask XXXX to update the credit bureaus with the status of the account has been paid in full. XXXX agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off. 

This was a 3-year lease. Not a single payment was ever late. 

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to XXXX they didn't seem to care. Thank you for any help you can provide.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IN)

I have recently reviewed my credit report from XXXX and have identified discrepancies pertaining to late payments on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers. 
SANTANDER CONSUMER USA Account Number : XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) AND 15 U.S. Code 1681b, it is evident there may have been a violation of my consumer rights. The law explicitly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I must inquire whether I provided written instructions for the inclusions of these late payments. In my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

In light of this, I kindly request the removal of the aforementioned late payments from XX/XX/year> through XX/XX/year> from my consumer report, as they may be in violation of 15 USC 1681. I look forward to promptly attention to this matter and a timely resolution.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

On XX/XX/2019, I sent a validation to enhance recovery asking them to validate, i requested proof that I am indeed the party they were asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I asked for a signed contract. 
Instead the documentation I received was a copy of a phone bill statement, What Did the COllection agency use? what did they send the credit bureaus to verify that the account was accurate and please ask them to validate the debt. 
If they are unable to validate this debt all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I Spoke with XXXX customer service Rep from XXXX XXXX XX/XX/2020 @ XXXX. I C System is reporting Balance being reported to credit bureau is an inaccurate balance. Balance XXXX XXXX has on file is substantially lower than the balance I C SYSTEM is reporting and seeking. My fair credit rights are in violation. I have sent letters off to I C System through a third party consumer called Smart credit with out any resolution.
Consumer complaint received 2016-12-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

I have had a paypal account in good standing linked to an ebay account in good standing for over 10 years. I sell on ebay, this is my living. I 'm a single mom of XXXX, and this is my sole income. Today, like every day before, I transferred funds, {$5200.00}, from my paypal account to another account in preparation to deposit into our business bank account. Every day I do this. However, until this weekend, I 've only had to transfer amounts up to {$2000.00} at once. I DO NOT KNOW that this is what created the issue. Today I transferred the {$5200.00} and it instantly became on " Paypal Hold ''. It did not show up in the receiving account nor was it available there for cancellation and it did n't show up in my paypal sending account so it could be canceled or available. Upon contacting Paypal, I was told that I needed to talk to their COMPLIANCE department and I was refused a contact number to get in touch with said department. I was also refused a reason as to why my funds were held. After repeated attempts to get information, I will still denied a way to contact the " right department '' within paypal and I was denied a reason for the funds being held. There has to be some protection for consumers. This is my money, its all the money I have, without it, I have {$12.00} in my bank account to care for me and my XXXX children. Why do we grow dependent on a banking or money transfer system for over 10 years and not feel comfort knowing our money is safe there? As I did, and now, instead, I am not able to access this money nor get information in regards to how to get my money back. 

The paypal account email address is XXXX. XXXX, XXXX, # XXXX. 

PLEASE help me with this. It does n't seem legal that they can seize our funds without cause and without any information. 



All of the below apply Money not available when promised Incorrect/missing disclosure or info Unauthorized cancellation Fraud
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-09
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. (DC)

I use Equifax, as well as XXXX and XXXX, to periodically check my credit report. In the last few days, improper IT security measures at Equifax led to their systems being " hacked '' and 143 million US customers ' information being leaked. This includes social security numbers, and poses an increased risk of identity theft. This happened in the first week of XXXX 2017.
I have placed a 90-day Fraud Alert on my credit report, however, I believe this hack was the result of insufficient and inadequate cybersecurity processes used by Equifax. If companies continue to neglect their cybersecurity, and continue to under-invest in what is an increasingly important and critical part of a company 's ( and democracy 's! ) infrastructure, then we will have increasing and more dangerous hacks.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC (TX)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belong to me without providing proof as requested. This is causing me great stress and if this is not fixed asap I will be suing ALL.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/2022, a customer of Wells Fargo Bank obtained a withdrawal from my checking account at the bank teller window. The cashier failed to verify the hand written account information, and funds were removed from my personal checking account because the customer used the wrong account number. I saw a " pending '' transaction on my account when reviewing it online that day and immediately notified Wells Fargo Bank. Unknown to me, the Wells Fargo Bank customer service representative incorrectly classified the bank error that should have gone to their fraud department, however, no action was taken for 2 days until I called to see what was being done to return the funds to my account. I was informed that another error had been made by not correctly classifying the problem and I would need to wait an additional 10 to 15 days for their investigation. The funds had not been returned to my account, and they have no plans to do so until the investigation is complete.
Consumer complaint received 2018-02-01
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. (PA)

Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the Experian to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB :XX/XX/XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (PA)

This company is harming my reputation with its false and deceptive collection practices. They claim that I owe a debt however when I asked for this information to be verified by providing me the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries which basically is the procedures for accounting records that all financial institutions must follow as federal law dictates, this company refuses to give me what I asked. Additionally, they decided to report this false and unverified information to consumer reporting agencies which is a violation of 15 U.S. Code 1681s-2 as they can not furnish information that they know is inaccurate.
Consumer complaint received 2022-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

Im a victim of identity theft and keep receiving notification about a fraud account that does not belong to me I submitted a report over a month ago please see attachemnts
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MIB Group, Inc. (TX)

On my MIB report from the company XXXX XXXX XXXX XXXX report date XXXX XXXX 2017 states that I have a XXXX XXXX. This report is wrong I have never had this medical condition.. Please remove this false statement from my MIB report. 
Thank you MIB Ref # XXXX