davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (TX)

I got a letter from XXXX. They say I owe a debt on a membership from 1986. Yes, believe it or not, 1986!!!! I told them I do not have a XXXX. I have n't had a membership to a gym in years. As soon as I was dumb enough to call them from the letter, they got my phone number. They call me XXXX or XXXX times a day. I asked them what was the amount of the debt and they tell me XXXX that is current. I say ... current from 1986? These people continue to fish for more and more information. I am actually scared these people will continue to try to get info from me and try to get more info and use it against me. 

ABC FinancialXXXX XXXX XXXX, AR XXXXXXXXHow can we stop them? What are my rights?
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XXXX XXXX  XX/XX/2022
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (CA)

I have received a collection notice from Monterey Collections. Their client is XXXX, XXXX. This company went into bankruptcy because they were paying doctors for XXXX and performing unnecessary tests, and were sued. 2 years ago my dr sent me to XXXX for my basic labs ( usual cost around {$200.00} ). XXXX performed numerous other tests and charged my insurance co, XXXX XXXX {$3400.00}. The dr said I would not be charged for these tests which I never consented to. I was not billed by XXXX. XXXX told me it would only bill insurance company, that I was not responsible for amount insurance did not pay. Now that the company has gone into bankrupcy, the liquidation company is apparently putting people in collection for med tests that XXXX never billed us for, told us we were not liable for. I only needed a XXXX, XXXX, XXXX etc.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

Wakefiled and Associates continue to try to collect and debt that was included within the Bankruptcy, after 2 yrs they have finally stop bothering me and has removed the item from my credit. what actions can be taken because they disregarded the stay?
Consumer complaint received 2022-09-06
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX One/Walmart- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX added to account were incorrect XXXX. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. Finwise/OppLoans - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX pay status and payment history XXXX. NC XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX remarks and payment history 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Good Mor ning- I made my payment to Bank of America and found out last week that Bank of America cancelled my payment because my mortgage had been sold to another loan servicer. I had not been notified of this  and now have no idea where to send my mortgage payment. I received a letter from Bank of America dated  XXXX / XXXX / 2017 . I had been off work on medical leave and did get  behind three months. Bank of America received all documents including but not limited to medical records, FMLA,   pay stubs etc. I have no idea where the process is currently with the past due payments, HOWEVER I began making payments again in  XXXX  and they have been accepted by Bank of America. I have no idea what to do or who to make payments.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. One of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order I used for payment ( XXXX/XXXX/XXXX ), and the US Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report.I was shocked to learn that I had been a victim of identity theft.I found numerous account on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family.Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

I have documentation that I can fax or upload to you. Also, the XXXX businesses that I have dealing with ( XXXX XXXX, XXXX, and Synerprise Consulting ) have all verified that the XXXX HAS been paid. This can potentially cost me thousands of dollars with a mistake that was not mine. Please help. Nobody can explain.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

XXXX  {$10000.00}  Santander Auto Loan sa ys I owe Dispute after dispute after dispute to no avail ...   Contacted the Better Business Bureau and reported incident Reported  to The Attorney Generals Office and told entire story Called Santander  XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: DriveTime (GA)

XX/XX/XXXX I reached out to DriveTime and requested the original car contract. The DriveTime car company told me that they sold the contract to XXXX a day after the car was purchased. XXXX had time to contact me and not 1 time did they make any attempt to do so. They mixed consumer credit with a cash transaction, which is illegal. A {$3600.00} down payment was given to DriveTime after they ran my credit. ( 15 u.s.c 1662 b ) down payment illegal ) They never offered or provided car insurance which is also something they are supposed to provide. Instead, they loaned me {$11000.00}. Then charged me {$7600.00} for finance charges and {$590.00} for XXXX XXXX insurance. Taking my total of {$10000.00} to {$22000.00}. They are operating with a false contract with forged digital signatures, which is also illegal. They have repossessed the car without a valid contract, which is also illegal. Since they sold the car contract to DriveTime, that now means I am paying for this car twice, which is also illegal. They never sent out paperwork for the right to rescind within 3 business days. ( 12 CFR 226.15 Right of rescission ) They sent a text message stating that they would repossess the car by XX/XX/XXXX but they got on XX/XX/XXXX.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PROSPERITY BANCSHARES, INC. (TX)

Following XXXX XXXX XXXX  acquisition of my bank ( XXXX ), we have had at several instances where the Bill Pay system adjusted the payment amount without our knowledge or consent. We updated our mortgage payment to reflect a recent escrow increase and, following a few payments, the amount reverted back to the prior amount. This happened at least twice leaving us with a mess in trying to repair the damage done to our credit. As of late, our HOA dues which have been in place for several years, simply ceased. We have been clients for over 20 years and I can only imagine the number of individuals to whom this is also happening.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

EXPERIAN is not INVESTIGATING PERSONAL INFORMATION and ACCOUNTS LAWFULLY, simply telling me they are verified is not the law. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''
Consumer complaint received 2022-09-06
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. (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 XXXX. 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (NJ)

I am writing to file a formal complaint against CKS Prime for multiple violations of consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Recently, I looked at my credit report and see CKS Prime reporting an alleged debt. However, their communication failed to comply with several critical provisions outlined in both the FDCPA and the FCRA, which I believe constitutes serious violations of consumer rights. The specific violations are as follows : Violation of 1 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : CKS Prime failed to provide me with the required notice informing me of my right to dispute the debt within 30 days of receiving their initial communication. This omission directly violates both the FDCPA and the FCRA.

Violation of 12 CFR 1006.34 ( d ) : Despite my request for verification of the debt in accordance with my rights under the FDCPA, CKS Prime has failed to provide adequate verification. This refusal to verify the debt further compounds their violation of consumer rights.

These violations have not only caused me undue stress and confusion but also may have negatively impacted my credit score and financial well-being. As a consumer, I am entitled to fair treatment and accurate information under both the FDCPA and the FCRA.

In light of these violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against CKS Prime. Additionally, I ask for your assistance in having the negative account associated with CKS Prime removed from my credit report, as it was reported in violation of consumer protection laws.
Consumer complaint received 2024-03-11
Product: Credit 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 (NY)

On XX/XX/XXXX, I charged a deposit of {$710.00} to my Capital One credit card for the replacement of a small back porch. As I explained to their customer service, inferior materials were used by the merchant. After trying to resolve the problem with the merchant, on XX/XX/XXXX I reached out to Capital One to file a dispute. Im not sure if they understood my situation because after speaking to their customer service on XX/XX/XXXX, I was told that the information that I gave them had to be changed several times. They kept debiting and crediting the disputed amount as the months went by as well as sending me six conflicting letter. In their letter dated XX/XX/XXXX, additional documentation was requested to be received by XX/XX/XXXX. I received a letter dated XX/XX/XXXX denying the claim on the same day that I electronically sent all the emails with the merchant along with photos relating to the dispute. I called again, and was told at first they hadnt received anything, but after a while admitted that they had my documents. I dont believe that they understood my dispute that was not handled in a professional manner.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IA)

I financed a vehicle through TD Auto Finance in XXXX. I was on autopay for the entire 5 year loan. I have credit monitoring and noticed I had a 30 day late so I called the company. They explained that contractually I agreed to make the final payment not using autopay and that is why the last payment was not taken out. I asked them why they didnt send me a notice or give me a call as a reminder as I have paid on time the entire contract. The rep did not have an answer for this question. I asked him if he would remove the delinquency based on my situation and he agreed to do that and I made the final payment. 

This was back in XXXX or XXXX of XXXX and I checked a couple months later and it still was showing on my credit report. I called TD Auto and talked with a rep who said that the 30 day delinquency was valid b/c I contractually agreed to it. I went through the same story I did with the prior rep and she said that a request to remove the delinquency was never submitted and that I would need to do this through the formal dispute process. 

This is extremely frustrating given I paid a five year loan on time, through auto pay and had a TD representative confirm he would remove the delinquency.
Consumer complaint received 2019-02-26
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (DE)

I have been trying to get Wells Fargo to talk to about my mortgage to save my house from foreclosure for the past 4 years with no resolution. I attended the workshop that the DOJ held on XXXX in XXXX and was told that I needed more paperwork sent ( again ) which I sent on XXXX as I agreed. Wells Fargo was suppose to contact me on XXXX to confirm and to date I still have not heard back from them.
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Steven A. Booska (CA)

Fraudulent, never served, default judgment for a dept that is not mine. calls me at work repeatedly, never mailed a notice of Judgment, then leined my property. Levied my Bank, I don't know this person, never owed this person. garnish my wages by provideing false information to the court. 

doubled in amount with interest that I never owed in the first place.