davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
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. (IL)

XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX & XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.
Consumer complaint received 2021-10-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

To : Customer Financial Protection Bureau First, we want to thank you for your assistances in this matter, but unfortunately, we are in the same position. We are reaching out to you again as our last resort. 
We filed a complaint with CFPB on XX/XX/21 and PHH responded stating that they can not remove the lien from the title because they do not have any other outstanding account other than our principal mortgage and a copy has been attached. 
MERS records stating that XXXX XXXX ( XXXX ) has the lien on our property, but when we contact XXXX they said that they do not have any account under our names. ( Copy has been attached ). 

We humbly request your assistance with this urgent matter. We would like a written response from XXXX XXXX stating that they do not have any outstanding account with us or any other pertinent document that allows us to clean the title.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. 

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$68.00} on XX/XX/2020 through XXXX from Ace Prospect International Limited with my credit card from Capital One. I contacted Capital One on XX/XX/2020 to file a dispute with the company. The company sent a via ups Tracking XXXX. 
On XX/XX/2020 at XXXX XXXX  I contacted XXXX  customer service ( XXXX ) stated that the item was delivered at XXXX XXXX XXXX XXXX XXXX, IL XXXX and purchase from XXXX. My purchase was made through XXXX which have my correct address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX. Neither I nor anyone authorized by me has signed for or received the merchandise. 
contacted customer Capital One service and I was getting the run around on the phone for about 42 minutes the last person I spoke was XXXX from fraud that kept me on hold after asking her to speak to a supervisor
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX and XXXXXXXX  two hard pulls were reported on my account. I never applied for a Walmart credit card. A day later I get a report that the card is being made. I did not put an inquiry in for a credit card. I do not need another one and I dont know what or who did that. Please help.
Consumer complaint received 2019-03-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I had lease a vehicle from XXXX XXXX back in XX/XX/XXXX. I was a 24 months lease with monthly payments of {$640.00}. Lease was term was completed in XX/XX/XXXX. No missing payment or property taxes owed. Vehicle was returned almost XXXX miles under miles agreed. Vehicle was returned in great conditions. Today I received a letter from Toyota charging me a disposition fee of {$350.00} plus XXXX of sales taxes. When we got or returned the lease nothing of this nature was explain to us. We were not even given a copy of the lease agreement at the beginning of the lease. I when to de dealership today XX/XX/XXXX demanding an explanation from the sells man XXXX. He said to me the Toyota was charging me the fee because I no longer wanted to leased a vehicle from them. I find this observe and not legal. I going to be punish for not leasing another vehicle from them instead of being rewarded for completing the lease as was verbaly explained to me. I prepaid for milage and didn't use it. They made over {$700.00} of used milage and Im receiving a bill. When I returned the vehicle I ask Pitor is I owed anything else. He assure me I was all set. The nothing else was going to be charged and today when I asked him about the bill I received he did know what to come up with. I paid this company enough money already. Also I should not be penalize for not wanting to lease from them again. Please help me with this matter. These people made there leaving lying and taking advantage of consumer like me.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CT)

So, basically Penfed Credit Union isn't honoring the removal of a credit card I paid in full in settlement offer of {$4500.00} with XXXX XXXX XXXX XXXX XXXX. It's damaging my credit score for awhile now. I disputed it to all 3 credit bureaus multiple times but no changes were made in deleted or correcting the payment status and account status on XXXX, XXXX, and XXXX. 2nd offender is XXXX XXXX XXXX XXXX they are not updated my balance on account on all 3 credit reporting agencies at all. After I called them too many times to remember, but kept the call logs of on me calling to explain. XXXX XXXX XXXX XXXX XXXX have not updated my credit report on XXXX, XXXX, and XXXX  neither after I paid in settlement deal. They are hurting ym credit score bad by not reporting to the credit reporting agencies since XX/XX/2021 2021
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I opened my Bank of America Business Credit Card in XXXX of this year. It came with a promotional 0 % APR. I have been trying to set up auto-pay on my account since my first statement in XXXX. I have spoken to about a dozen customer service agents about this issue ; many of them gave me bad information about why I was unable to set up auto-pay for my business card. They also gave me incorrect instructions on how to set up auto-pay. To this day, on XX/XX/2023, I am still unable to set up auto-pay. I am told that I should have the capability when my next statement is processed in the following week. Most other financial institutions make this process much more simple and intuitive. This is the most difficulty I have ever experienced in setting up auto-pay. These difficulties in setting up auto-pay have made it difficult to pay my credit card bill in a timely manner. Furthermore, I thought that my 0 % APR was valid for 12 months. However, I discovered an interest charge on my XXXX statement. I called Bank of America to request that this interest charge be refunded, considering the circumstances. BofA declined to refund the interest charge. I have subsequently reviewed my emails and credit card statements and I don't see any information about when my interest rate was scheduled to change, nor did I receive any notification in email or on my statements to inform me that my interest rate would be changing in a coming billing cycle. This information is included in other monthly statements from other financial institutions. I have spoken to two customer service agents and one agent from the hardship department about the interest charge and they all say that the request was reviewed and declined. These difficulties and the unwillingness to refund the charges under the circumstances leaves me not wanting to use my BofA Business Credit Card or any BofA services for that matter.
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Made a ACH in the amount of {$1500.00} from my bank XXXX XXXX XXXX XXXX ( XXXX ) to Wells Fargo on XXXX XX/XX/2021 for the purchase of a transmission from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2021 I submitted a complaint with my bank informing them that I was a victim of fraud and requested they investigate and retrieve my money. I also made contact with Wells Fargo to inform and inquire what I could do to stop ACH or retrieve money back, they told me to contact my bank. 

Prior to contacting both banks I attempted numerous times to contact company by text, email, and phone. Only contact from company reference my order after initial payment was on XXXX and XXXX XXXX to request additional money for shipment which was included in purchase price. 

XXXX XX/XX/2021 I received message back from my bank stating they can't help me and to contact Wells Fargo.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (CA)

I have been getting telephone calls from someone who identifies herself as " XXXX XXXX '' who claims she is a debt collector but refused to give the name of the company with which is was supposedly associated. She said that in order to stop further action on this issue I needed to call XXXX. 

Then today, I got what was obviously a bogus collections email, from some place claiming to be True Accord ( XXXX, XXXXXXXXXXXX ) and claiming that I owed " XXXX XXXX XXXX the Current Creditor-Debt Purchaser '' {$1400.00} for some balance on an old XXXX account. It claims the account went into default in XXXX ... 

I have n't done any business with XXXX for about a decade. I was provided with NO PROOF of any debt owed. 

I looked up True Accord online and found that : " TrueAccord Corp has been sued for using debt collection practices that allegedly violate the FDCPA. '' Since they came back to back, I 'm assuming that the bogus telephone call ( which obviously violated debt collections rules ), and the bogus email which claimed I owed money I do not owe for an account that is over a decade old ( also in violation of debt collections rules ) were from the same company/individual.
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (FL)

On XX/XX/20 I sent in a dispute for inaccurate information reporting on my Experian Credit report, and a following up request about the dispute on XX/XX/20 and XX/XX/20 for the following accounts showing that I owe the following amounts XXXX XXXX XXXX XXXX They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau.
Consumer complaint received 2020-12-02
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. (FL)

On XX/XX/20 I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a following up request about the dispute on XX/XX/20 and XX/XX/20 for the following accounts showing XXXX XXXX XXXX XXXXXXXX They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau. This is a serious error in my reporting and according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

Tis is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. 
Same amount same everything just a different collection agency. 
It keeps on coming up every few month through a different collector. 
Will it ever end? It was never me I never had anything to do with XXXX. 
Thank you XXXX XXXX Account nameENHANCED RECOVERY Account XXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$1600.00} Balance updatedXXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms XXXX XXXX  On record untilXXXX XXXX
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (GA)

On XX/XX/2020, I went to check my credit report before applying for a new apartment since I was interested in moving to a new location a much larger place for my family and I. when I noticed a collection item on my credit report, I had no idea who the agency was so I tried to contact them, according to ( VANCEHUFFMAN ) the collection agency. I had a balance of {$730.00} I asked what was this balance for they stated they couldn't share the information and they had to send me details by mail, which in turn they stated an address that was not mine by any means. I brought that to their attention and immediately they asked for my current address which I refused to give to someone I don't even know and never the less to someone who can't even validate my name, address, or even ssn. I proceeded to ask them to email me the following proof of the debt owed, a signed contract by me, proof of my identity which I asked for my id, and ssn, and I also asked for proof of address which I already knew they had an address I never lived in. They refused to email me any of the required documents they stated they contact the credit bureaus to have the item removed and it was not removed. This is defamation of character I can not get approved for a home or an apartment due to this matter. I will like this inaccurate item removed from my account immediately.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (RI)

on XX/XX/XXXX I made a deposit at a td bank branch atm of XXXX. The atm took my money which was two XXXX XXXX dollar bills then an error code came up on screen saying unable to process bulk deposits, gave me back my card, and not my money and then screen cleared. I immediately called td bank while there and they said they are filling a dispute and I should receive my funds in 3 business days. on the XXXX there was still no funds returned so I called again and was told that the claim on the XXXX was not done properly and they would have file another claim. now it is XX/XX/XXXX and I was told it has not been looked at still.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Equifax is reporting two accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere, Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Consumer complaint received 2021-10-20
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: TD BANK US HOLDING COMPANY (NJ)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with 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 creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BYL Collection Services (GA)

On XX/XX/2020, I went to check my credit report before applying for a new apartment since I was interested in moving to a new location a much larger place for my family and I. when I noticed a collection item on my credit report, I had no idea who the agency was so I tried to contact them, according to ( BYL SRV ) the collection agency. I had a balance of {$52.00} I asked what was this balance for they stated it was from XXXX XXXX XXXX,. I clearly stated to the rep on the phone that the balance was paid for and it was reported to my credit report at PAID! why would they need to get paid again?! They stated the balance was not paid, I emailed them the proof stated the balance was {$0.00} and I didn't owe the creditor nor the collection agency any more money, I also contacted XXXX XXXX XXXX and they stated the balance was {$0.00} and I had no other charges. This is defamation of character I can not get approved for a home or an apartment due to this matter. I will like this inaccurate item removed from my account immediately.
Consumer complaint received 2022-04-26
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. (NJ)

I had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with XXXX but I never received anything in the mail.
Consumer complaint received 2019-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC (FL)

In mars Im found out I have XXXX $ in my credit report for XXXX XXXX now change in XXXX the name in chapter XXXX XXXX I was call the first number they can fount nothing in my name I call XXXX they cant found nothing in my name I told them try my social security they told me they found I have a all account in my social security in different name I try to talk to them to told me I have to pay for that bill I have XXXX   XXXX in past but I was returning the equipment in pay I told them to found in different office for my payment they said to me I have to done that by my self