davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-10
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. (FL)

In XXXX of XXXX, I was checking my credit when I realized that my car payment had not been reporting since XX/XX/XXXX. At that time I didn't realize that part of the Cares Act prohibited creditors from reporting any payments. So I called my finance company and told them it was okay to go ahead and report my payments since they were all on time. At that time, every payment since XX/XX/XXXX ( when I purchased the car ) was reported as " On Time '' and Paying as Agreed. The next month XXXX XX/XX/XXXX ) I checked my credit report again to find that my XX/XX/XXXX and XX/XX/XXXX were suddenly reported to all three bureaus as " 30 days late '' and my credit scores dropped 30 points. I was VERY surprised because these payments had been reported ON TIME for 6 and 9 months and then suddenly reported " 30 days late '' I immediately called my finance company who stated they could not fix the error. I asked for my account manager but was told I did not have one. I then consulted with a credit specialist who told me I should write a letter to each of the bureaus explaining the error and also send copies of each credit report showing where it had been reported on time for many months, and then also my bank statements showing the on time payments coming from my bank account. I promptly did so XX/XX/XXXX. I sent each bureau a letter explaining the mistake, a copy of my credit report before the error, a copy of my credit report after the mistake, and a copy of my bank statement for each month showing the payment drafted from my account before or on my respected due date. XXXX XXXX and XXXX promptly removed the late payment and restored me to 100 % payment history, but Experian did not. So in XXXX of XXXX, I sent them the same information again disputing the late payments. They responded saying the payments had been verified as late and they would remain. How can payments that were clearly never late be verified? So in XXXX of XXXX I sent Again the same information and a letter demanding this error be fixed on my Experian report. Unfortunately as of today, Experian still refuses to remove the late payments even with proof they are reporting incorrect information.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$720.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$720.00} Balance updated XX/XX/XXXX Delete account never had open with XXXX XXXX. 
Similar person with name.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ARVEST BANK GROUP, INC. (CO)

On XX/XX/XXXX I attempted to deposit a tax refund check into my checking account. I received a call from Arvest that afternoon, saying because the check was in both my wife and I 's names, and the account was just in my name, they would not be able to verify and deposit, so it was being cancelled. Understandable, so when the hold was placed on the money I deposited into an account my wife and I share with XXXX XXXX. On the XXXX while balancing our accounts, I noticed the funds from that check were verified and approved in our Arvest account. I called to alert them, and after a significant amount of time, transfers and holds, they said they would remove the funds. Today, XX/XX/XXXX, I received a letter from our other bank, XXXX XXXX, that because of duplicate presentment, they were pulling the funds from that account. I have spent hours on the phone with Arvest, they have offered no assistance and told me I should be receiving a call back from an associate named XXXX, whom I have not heard anything from. My other bank has been considerably more helpful, and was able to determine that Arvest did in fact process the check and it is no longer eligible for payment, per state taxation records. At this time we don't have the money in any account, and Arvest Bank is refusing to do anything to rectify their errors.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (DC)

I am a federally protected consumer and I have requested validation of the debt owed to Carvana for my XXXX XXXX XXXX XXXX. I sent the letter on XX/XX/XXXX and it was received and signed for but I have not received a response. Additionally, upon receiving the vehicle I noticed an error in my name on the registration and was told by Carvana staff that there is no way for them to fix this error. This is liable to cause harm to me and my family if pulled over, which is unacceptable.
Consumer complaint received 2021-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased my vehicle in the month of XXXX of XXXX, the car was repossessed a year later in XXXX due to a very high payment of {$490.00} that was impossible to keep up with. Due to the loss of the car, I lost my job and was unable to provide for my family and my children. 

A couple of days ago, I came across an article on the " XXXX XXXX website '' stating that Santander Consumers USA INC. was involved in a nationwide investigation throughout 34 states ( Including Georgia ) and found evidence of sophisticated credit-score tracking methods designed to prey on those with the highest risk of loan default. Santander Consumer USA INC.was later found guilty in the class-action lawsuit for deception and predatory lending practices. In the settlement, Santander had agreed to relieve all defaulted loans and to help repair the credit of the individuals that were affected by Santander 's deceptive actions from the timeline of XX/XX/XXXX through XX/XX/XXXX ( In which my account falls within the timeframe ). 

XXXX reported the date of last payment was XX/XX/XXXX, but XXXX and XXXX are reporting a different date of XX/XX/XXXX which is a 3 years and 9 days difference. 

Lastly, XXXX had another inaccurate information of the date last active that shows a date of XX/XX/XXXX, while XXXX reports:XXXX and XXXX reports:XXXX.
Consumer complaint received 2022-08-08
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. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
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 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
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The account is old and closed. The car was purchase in XXXX and paid. And close XXXX and they charge it off with a balance of XXXX. They still have the account on my current report has open. The account is reporting on Experian and XXXX XXXX. The account was remove on XXXX fax credit report. Do to old account and closed.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I have been harassed by this company they have called repeated time and sent repeated things in the mail. On XX/XX/2021 I got a letter from Revenue Group that states that they are collecting and alleged debt. This letter is false and misleading. On XX/XX/2021 I received a phone call at approximately XXXX XXXX  they also called me 4 days later on XX/XX/2021 at approximately XXXX XXXX  these phone calls and things in the mail have received from Revenue Group has been very stressful and has caused me and my family unwanted XXXX  and other health problems. Im currently on XXXX XXXX medicine. The amount is {$320.00} I never gave Revenue Group to contact me and they have called me repeatedly.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account is old and closed. The car was purchase in XXXX and paid. And close XXXX and they charge it off with a balance of XXXX. They still have the account on my current report has open. The account is reporting on XXXX and Trans Union. The account was remove on XXXX XXXX credit report. Do to old account and closed.
Consumer complaint received 2020-09-01
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: National Credit Systems,Inc. (TX)

On XXXX, 2016 NATIONAL CREDIT SYSTEM added derogatory marks on my credit file, per XXXX, upon further research this account was transferred/sold and I am no longer responsible for these accounts. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it's mines. According to the FCRA, NATIONAL CREDIT SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove these accounts immediately. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2020-06-03
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. (GA)

These accounts were opened from someone stealing my identity. I have notified Experian and they have added the fraud alert on my credit report but did not delete the accounts that was opened. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received anything from these companies or give them permission to open any accounts. Please delete XXXX XXXX XXXX, several DEPT OF EDUCATION/XXXX and several XXXX. I have never been a college student & these accounts are not mine. 
Someone applied for things in my name from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX these should be deleted as well. 
Thank you for helping me get this matter taken care of.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been trying for over 3 months to close an account that had a fraudulent ACH charge processed on the account. I have called Bank of America in excess of a dozen times to try to resolve this and been on hold and/or with multiple representatives for multiple hours, with no progress in resolving this problem. The account is presently showing an almost $ XXXX deficit when I log in on line even though it should have a small positive balance. This is causing problems with all of my account summary views since they include this negative balance. I would appreciate it if someone at Bank of America could attend to this before the end of 2020.
Consumer complaint received 2017-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (CO)

I have been continually harassed by Great Lakes since XXXX XXXX. At first I was being harassed on the phone ( a business phone ) during business hours which I had requested not happen, regarding a loan repayment plan and then about in-school deferment. Calls needed to be for emergencies only. After several phone conversations, my number was finally removed from the system so that I would not receive harassing phone calls during business hours. Now, I get threatening emails because I do n't have a phone number on file. There does not seem to be a solution. I do n't have a personal phone number because it truly is n't affordable or a priority, I have internet and that covers everything I need.
Consumer complaint received 2021-04-10
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. (NM)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MD)

Issue summarized : I've been unable to buy/sell crypto coins, withdraw coins, and withdraw my XXXX USD for over 30 days ( yet somehow I'm allowed to deposit USD with no warning funds will be trapped ). I've sent 2 support tickets ( # XXXX, # XXXX XXXX, requested help on Binance US ' official twitter/IG accounts and the Binance subreddit. I only got one reply 2 weeks after submitting # XXXX - attached screenshot - asking 'If you still need assistance ', which I replied 'yes, please ' to, and was never replied to thereafter and left on read. I can tell Binance US saw my plea since I have Streak for XXXX. 

Screenshots attached of my deposit history along with dates and current wallet balance. Although the funds I have on your platform does not seem like a lot to you, it is a huge deal for small investors like me and it hurts that all my funds have been frozen in such volatile market environments like today.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$820.00} Balance updated XX/XX/XXXX Recent payment Delete account. Never open or had XXXX XXXX XXXX Contacted company violation of FDCPA law by not reading my rights and threatening if not paid
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The first week of XXXX XXXX, Capital One was advertising ( 1 year 0 % interest rate promotion ) online. I applied online and the second day a representative from Capital One called me on a recorded line to notify me that I was approved for a 1 year 0 % capital one credit card. After XXXX XXXX if I do not pay my balance I will be charge an interest rate of 25.4 %. However, my first statement dated XXXX had 0 % interest rate which was good as agreed. The next statement dated XXXX I saw a interest charge of {$48.00}. I called Capital one and representative said to me that they apologize for the mistake that my account was indeed 0 % interest for 1 year and that they will waive the charges. 2 months later I see my statements and I noticed Capital One continue charging me interest rates and my credits were never given back to my account as I was told previously that I will get credited for the inconvinience. I called Capital one and requested to speak to Supervisor and she told me that my account in a program for 6 months 0 % rate only and then she changed her story and told me I was in a 9 month 0 % interest and I will begin getting 25.4 % interest charges effective XXXX XXXX. But I told Supervisor that I 've been charged interest since XXXX XXXX so it does n't make sense to me. I called again Capital One and I requested to know what program am I enrolled and representative responded " your enrolled 25.4 % program from day one ''. I asked representative what happened to my credits capital one was supposed to remove last month I called and another representative said that I was charge interest in an error and that they had apologized and were going to remove those fees but I never saw any credits on my account. This representative responded that they were no credits on my account b/c I was never enrolled into a 0 % interest rate program. So far I 've been charged over {$480.00} in interest. Every time I call I get different responses and there always apparently investigating my account. I do n't understand.!! ... All calls are monitored and recorded so I know if they are heard they will find discrepancies from CapitalOne representatives.
Consumer complaint received 2021-10-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit acceptance had a representative to contact me that was suppose to be a part of their legal team. I have informed them that one the vehicle debt has gone beyond the statue of limitations to collect. Two the account is not on me for collection because XXXX XXXX XXXX along with Credit Acceptance Authorized sale of this vehicle at an auction and I was never informed or made aware of this. The vehicle was damaged in the flood of Hurricane Harvey and it was taken to XXXX XXXX and it was not inspected by the insurance company until XXXX because they were so far behind. They lied and stated that they tried to send me a message by mail and that makes no sense when the Service Manager literally came to my job to discuss the vehicle. I went to the dealership and the vehicle was not there. I was told it was sold in an auction and It could not been sold unless Credit Acceptance approved and at no point was I informed of this. I have not been infirmed how much the vehicle was sold for. I have no idea If there was a surplus of of funds and if the proceeds was applied to the balance. I believe that this debt is fraudulent and it remains on my credit as an active account being reported as a late payment and open account as of XX/XX/2021. I no longer expect them to be honest in their reporting of this account.
Consumer complaint received 2017-12-13
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: National Credit Systems,Inc. (AL)

XX/XX/XXXX - Submitted debt validation in writing. Company originally removed from credit and the replaced back without written notice.

XX/XX/XXXX - never received written notice to validate debt.

XX/XX/XXXX - currently reporting that the debt is refinanced. How do you refinance a collection and incorrectly reporting amount.