davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (CO)

i'm married and over XXXX XXXX XXXX. i make XXXX a year cutting grass for the city of XXXX AS AN XXXX  XXXX. my wife an i lived on the XXXX yearly income. The city of XXXX don't provide any medical or other benefits. On XX/XX/2020 i felt illed. i visited the emergency room. i was there around 30 minutes. The bill was {$5000.00}. they charge {$160.00} per minute. my wife called many times asking for a reduction due to our limited income but they refused. they agreed to a $ 100 monthly payment. see attached the proof i was making my payments when suddenly a collection from XXXX  XXXX  AARGON AGENCY INC called me that XXXX XXXX sent my account to them because i wasn't making my payments. please see attached proof. it's a lie. i'm accusing XXXX XXXX of elderly abuse and fraudulent collection practices.
Consumer complaint received 2024-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-02-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Autovest, L.L.C. (CA)

In XX/XX/XXXX a car I was making monthly payments on was repossessed after I lost my job and was unable to keep up with payments. I do not know what happened to the car after getting repossessed. On the XX/XX/XXXX, XXXX Autovest LLC purchased my debt to XXXX XXXX XXXX Their contract shows no amount. I was never aware that Autovest LLC did this until I was served a summons on XX/XX/XXXX. I have been living in the same address as the one they sent my summons to since XXXX and I never once received a written document showing me they ( Autovest ) had purchased my debt and never received a written document to settle this debt. Instead they are suing me for {$2900.00}. An amount they say I owed the original lender XXXX XXXX XXXX ( the company they bought my debt from ) In an attempt to determine the deficiency balance I may owe I contacted XXXX they told me I owed {$2800.00} at the time the car had gotten repossessed in XXXX. They did not tell me if the car was resold. All they told me was the debt was sold to Autovest LLC. They also could not tell me how much Autovest LLC purchased the debt for and that I can get that by calling Autovest directly which I ended up doing. But when talking to Autovest they still would not tell me how much they bought the debt for and told me to contact their lawyer to get more info and then hung up on me.
Consumer complaint received 2017-07-06
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: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

the company Universal Aceptence Corp/ Car Hop they always say that your credit will go all the way up. they say they can help me while them while they have the free will to cotinue calling me emailing me stating if i dont pay they will repo my car or turn off the car. which scared me respect
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (CA)

I contacted XXXX XXXX XXXX/Duvera Billing via phone and email to dispute a fraudulent account listed on my credit report. I provided their company my FTC Identity Theft Report and Police Report along with my dispute. Within 3 hours of sending the email I received what seems to be a generic/templated response stating they have completed their investigation and did not find sufficient evidence to classify the account as Identity theft. I called to speak with a manager to request the details of their investigation and was told the only way to communicate with the fraud team is via email and that based on the email response I received they are not willing to remove this fraudulent account despite me providing all of the required Identity theft documentation.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

My husband died in XX/XX/ 2017. About this time he started getting advertising and credit card information from XXXX XXXX XXXX. He had been ill for many years and had not even before then been in a XXXX XXXX XXXX let alone opened a credit account. They had never asked for payments. 
Today someone called from XXXX  (? ) agency seeking payments. He knew my husband had died and asked the date. When he started talking about money I hung up. I'm sure this kind of scam would have planted seeds of doubt in many widows. 
I'm am just reporting that this is happening.
Consumer complaint received 2017-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/XXXX I received a phone call to my home landline phone ( XXXX ) from a gentleman requesting I pay XXXX owed to XXXX XXXX. Also that they could negotiate a lesser amount or take payments. I informed him that I did owe a debt 20 plus years ago but that it had been written off. I asked him to cease and desist all communication with me. On XX/XX/XXXX I received a second phone call to my cell phone from a lady over the same debt. Again I told her to cease and desist communication. She told me she would move my file. While I was on the phone with her my son in Texas received a call looking for me over same account. Then we come to XX/XX/XXXX I had a voice mail on my landline and cell regarding they were tracing my identity to get a hold of me.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (NJ)

I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. 

This then prompted me to look at my own credit report after not doing so for many years. I noticed that I was reported 30 days late in XXXX & XXXX of XXXX. How is that possible? I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to BMW, I was. This must be some kind of error because since XX/XX/XXXX when I started this lease, I have always maintained a on-time payments and always pay more than the minimum payment. But yet, I was reported 30 days late twice? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.
Consumer complaint received 2017-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC (OK)

I have tried many times to come to a suitable arrangement with the company and what I can afford. I have multiple emails with them threatening me with fraud charges and them saying this is the best offer you 're going to get. They have also called me multiple times at work after me advising them not to do so because I could lose my job. I had to choose between repairing my car and having a place to live and they would not work with me at all.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I issued a check from my Bank of America checking account on XX/XX/2024 to pay off a mortgage on my residence. The amount of the check was approximately {$960000.00}. My checking account at Bank of America is open and active and had a balance of greater than {$960000.00} when my check was presented for payment.. Without any notice to me or my joint account owner spouse, Bank of America returned the check and refused to pay the money. As a result of Bank of America 's actions, I have been charged several days of interest at approximately {$170.00} per day. In addition, the return of the check caused the mortgagee bank to charge me a fine for a returned check. My losses resulting from Bank of America 's wrongful refusal to pay my check are greater than {$750.00}. 

I called Bank of America and requested that they provide a resolution and they refused to do so. They said the check was mistakenly rejected, but they would do nothing to make up the losses. They indicated that the mortgage bank might agree to waive its charges. I requested a letter indicating they had made an error so that I could request a waiver of the charges. Bank of America initially agreed to provide a letter, but then transferred me to someone else who said they would not do so. I visited a Bank of America branch in XXXX, VA in person onXX/XX/2024 and requested a resolution. Personnel at Bank of America said they would have a market leader call me, however, no one from Bank of America ever called and no resolution has been offered. 

The mortgagee bank said it could not waive any of the fees or interest caused by Bank of America 's refusal to honor my check.
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. (UT)

EQUIFAX INC. CONSUMER REPORT SERVICE, HAS TWO INQUIRIES ON MY EQUIFAX REPORT THAT I DID ( NOT ) '' AUTHORIZE, WHICH ARE : XXXX XXXX  INQUIRY DATE XXXX XXXX, 2022. 
XXXX XXXX INQUIRY XXXX XXXX XXXX, 2022 THESE INQUIRIES ARE IN FACT FRAUDULENT. DUE TO ID THEFT.
Consumer complaint received 2022-03-10
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. (GA)

The account listed has fraud on the contract, full disclosure was not made to me, the consumer. Proof of claim affidavit was mailed via register mail XXXX but no reply. 
XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo XXXX issues in Colorado XXXX XXXX, XXXX XXXX, handled my account, I ran up a bill totaling around XXXX and could not pay it on time because I was hurt somehow in the Town of XXXX and XXXX to leave. 
Ended up changing address this happened in XXXX. 
Wells fargo could not reach me and by the time they did it had already gone to collections. We tried to settle but they gave us a very hard time. 
I also had Issues with XXXX XXXX XXXX and XXXX with a girl named XXXX XXXX from XXXX XXXX XXXX Florida. 
XXXX XXXX who works for the XXXX XXXX XXXX in NY. may also be involved in something. XXXX XXXX of XXXX XXXX XXXX might know something t
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery took me to court in XXXX XXXX Georgia and caused me to miss HALF A DAY OF PAY from my job. They did not even show up to court. I made numerous phone calls and was given no reason as to why they did not show and they did not care that I missed PAID WAGES AT MY JOB.
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. (LA)

Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft Affidavit Please delete the items as soon as possible.
Consumer complaint received 2020-05-29
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. (FL)

EXPERIAN REPORT NUMBER : Report Number : XXXX I'M VERY DISAPPOINTED ON HOW Search Results Web Result with Site Links Experian HANDLED MY REPORT IVE SUBMITTED OVER 7 DISPUTE THRU PHONE CALLS AND ONLINE AND EXPERIAN FAILED TO SOLVED THIS ISSUE EXPERIAN EVEN WROTE ME BACK SAYING I WASN'T THE ONE FILING THIS COMPLAINT WHICH IS NOT TRUE I DON'T EVEN THINK EXPERIAN EVEN READ MY FIRST COMPLAINT I EVEN READ OTHER PEOPLE FEEDBACK 'S THAT HAVE THE SIMILAR PROBLEMS EXPERIAN LEFT THE SAME EXACT RESPONSE AS THE ONE THEY LEFT ME I THINK THE CFPB SHOULD INVESTIGATE THIS MATTER 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : EXPERIAN REPORT NUMBER : Report Number : XXXX Equifax Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2017-09-30
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: SYNCHRONY FINANCIAL (AZ)

XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 +  XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Someone applied for credit, unknown person, and this company had 2 hard hits on my credit, ran my credit without my permission. Someone applied online and had items shipped to Florida, Walmart is still sending bills, I want these hard hits removed from my credit and I want Walmart to remove this credit card and stop sending bills. This is dropping my credit score and needs to be taken care of immediately! I am seeking an attorney, and will take action against them in the event I do find one.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft Affidavit Please delete the items as soon as possible.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc. (KS)

I submitted multiple claims about multiple {$0.00} unauthorized charges to my card by Google on XXXX. I was told they researched and decided that there was nothing wrong. Then over the weekend I received 16 more charges of {$0.00} to the same card by the same " person '' at the same company so I've submitted unauthorized charge inquiries in regards to the charges and it is pending.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. incorrect historical data listed below : Incorrect DOB - XX/XX/1985 Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

Here we go AGAIN with XXXX XXXX, XXXX, XXXX  XXXX, otherwise known as XXXX, XXXX, and Experian!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient directed me towards multiple deferments and forbearances and I believe that this was done in a misleading or disadvantageous way to me. Periods of deferment/forbearance include but are not limited to XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX I feel that there were better options that could have resulted in low payments instead of these excessive forbearances and deferments. This has come to light as I am applying for student loan forgiveness and was shocked to learn the number of months I had actually spent in deferment/forbearance, which do not count towards the 120 payments to get loan forgiveness, whereas if I had been steered towards income based repayment plans with payments as low as {$0.00} I would have been able to count many of these months towards the 120 payments. I feel that I was misled away from these types of payments and towards these excessively lengthy holds on payments. I also feel that it was not properly explained to me up until very recently, summer of XX/XX/XXXX, that any and all income based repayment plans are not meant to have the loan ever be paid off but rather forgiven instead.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IN)

This alleged debt was purchased by another company. I am requesting the original wet ink contract signed by principal XXXX XXXX with this company making her responsible for the said debt. According to 15 USC 1681G it is the company 's obligation to determine the proper identification of the consumer. Please fully identity XXXX XXXX and all provide proof including signatures in contract with your company. If this can not be proven, this account shall be deleted and all communication will cease and desist.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Here we go AGAIN with Tweedle Dee, XXXX, and XXXX, otherwise known as Transunion, XXXX, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.