davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

Im requesting a deletion from Fair Collections and Out. I have requested a copy of the original contract between me and the Overlook who is the Alleged original creditor. I still havent received any proof of any contract with either party and its been over 60 days. The is has been an inconvenience to my life and I with like to be compensated
Consumer complaint received 2020-12-04
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. (VT)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MI)

on XX/XX/2020 a claim was entered to the major reporting companies for XXXX dollars. the debt reported was once removed from the major reporting companies ( XXXX and XXXX  ) This was old debt from an ambulance ride. in 2020 it is hard to tell what is real and what is a scam anymore. I asked 3 times for a verification of debt in the mail. however, nothing was received on my end. Phoenix said they sent 2 letters out. the third time I asked the man I spoke with laughed and said " Nah man '' and hung up.this was at XXXX XXXX. I also said I would call back the following day after looking to see if my father confused this mail with his. the collector was very rude. so I figured it was a scam. in the beginning of XXXX it was back on my report. assuming phoenix bought it from the previous collection agency. they have called multiple times daily, at all hours of the day and night. IN THE MIDDLE OF A PANDEMIC. nothing in the mail, and an insane amount of phone calls at all hours of the day.
Consumer complaint received 2023-01-12
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. (CA)

Transunion received my order of disputes on XXXX XXXX XXXX 

Transunion has passed its 30 day Allowable time. Now Transunion is in VIOLATION of my FEDERAL CONSUMER RIGHTS. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy : TRANSUNION DID NOT RECEIVE ANY OTHER RELEVANT INFORMATION FROM ME... For them to extend their Investigation Results... 

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance This is MY SECOND NOTICE TO THE CFPB...
Consumer complaint received 2020-12-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (GA)

My car was damaged severly, I made the decision not to repair car or report to my ins.co.the car was picked up less then 24hours after accident.when my towed truck went to pick up vehicle, the vehicle had been picked up by another towing company.Ally Fin. [ title holder ] contacted me around XXXX and asked me what was my intentions on picking up car, I advised them that I no longer wanted the car and I would continue to make ontime payments as agreed until paid off.I was advised by them that I would not be allowed to make online payments in the future and would have to XXXX XXXX payment.When I called on XXXX to get info on making XXXX.payment, I was advised that car had been repo from junkyard and I owed additional fees.At this point I did get a little upset and XXXX.payment was late maybe about 12 days.My complaint is I have a Repo on my credit report, also co-signer has repo on his report, I feel I didnot break agreement with Ally in any way, car was insured, not behind on payments ( I am still making ontime payments, If I was advised upon first phone call from Ally, that I would need to pick up car from towing company or I would face repo, I would gladly have done so, I would like to payoff original amount which is around $ XXXX.as of today and have repo removed from my and co signer credit report upon final payment.I am not behind on payments to this day.Your help in this matter is greatly appreciated.XXXX XXXX
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (PA)

XXXX, Experian, XXXX and their nonaffiliated 3rd parties are in direct violation of the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX! They are violating my federally right to Privacy and sharing my nonpublic personal information without my consent which is damaging my character and ruining my reputation. SEE ATTACHMENTS
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION (AL)

I paid off my vehicle loan on XX/XX/XXXXat the local BBVA branch with a personal check. The teller provided a number to call to receive my title faster than the normal 30 day period. On monday XX/XX/XXXX after checking my bank account ( making sure the check had cleared ) I called the number provided by the teller, I was told to email a copy of the deposit slip showing that I had paid the loan off, I was informed that I would get my tittle in 7 to 10 days. I called back around the XX/XX/XXXX to ask where the title was, since I was told that it was coming from XXXX AL, which is 80 miles away, again I was told that it was in the mail. I called back and asked to speak to a manager to see if I can get a straight answer about the whereabouts of the tittle, I was told that I would receive it no later than friday XX/XX/XXXX or saturday XX/XX/XXXX. I called back on monday and was told again that it was in the mail and due to the pandemic it was taking longer than normal which is odd since I make lots on online purchases and receive my items delivered by the USPS just fine and in a timely manner. I then asked for a replacement title, since I am assuming that the title " they sent '' is lost in the mail, I was told that I would have to incur the cost of a replacement title. I also requested to elevate my formal complaint to a corporate representative, I was given a ticket # and that I would get a call in 24 to 72 hours. I still have not received a call.
Consumer complaint received 2023-01-12
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. (MD)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-10-28
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. (NV)

These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.
Consumer complaint received 2017-09-22
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: JPMORGAN CHASE & CO. (FL)

I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX Chase bank did another inquiry on my account. I have a new inquiry now on XXXX and XXXX. I really with this company leave me alone.
Consumer complaint received 2022-08-13
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. (MO)

There is fraudulent information that Experian has on my credit report. This information is being fraudulently reported by XXXX XXXX XXXX and says its from an XXXX XXXX XXXX account that I do not have. Experian says this account is verified and will not provide and verification means or method. The XXXX XXXX has not provided proof that this is mine debt either because it is not mine. I want this erroneous information off my report.
Consumer complaint received 2020-10-28
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: U.S. BANCORP (TN)

ELANFINANCIAL SERVICE IS REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT. I'VE NEVER OPEN ACCOUNT WITH THIS COMPANY I HAVE NEVER WENT INSIDE ANY BANK TO OPEN ANY KIND CREDIT CARD WITH THIS COMPANY AND I HAVE NEVER WORK FOR XXXX XXXX THIS COMPANY DOES NOT EXIST IN XXXX TN THIS COMPANY HAS NEVER PROVIDED ME A COPY OF THE APPLICATION NOR HAVE THEY PROVIDED ANY ID FOR THIS ACCOUNT THIS NEEDS TO BE REMOVE FROM MY CREDIT REPORT I WILL NEVER GIVE NOR WILL I STOP DISPUTING THIS ACCOUNT I WILL BE CONTACTING MY ATTORNEY.
Consumer complaint received 2020-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 3 closed charge off accounts that are passed the Florida statute of limits for revolving accounts. I have disputed them with the 3 credit agencies in XX/XX/XXXX. These accounts started being reported again on my credit report in XXXX of XXXX. The accounts were all charged off in XX/XX/XXXX. I went through a divorce and lost my home. I have written the collectors and ask for these accounts to be removed and they are still reporting as of XX/XX/XXXX. I have been negatively impacted by Covid-19 and have had to self quarantine 2 times besides the national emergency shut down. I have lost pay. The 4th company is reporting the account as open when it was charged off on XX/XX/XXXX. They wrote me back still trying to collect and stating they would not report or sue me. But they have reported as of XXXX. the companies are : Bank of America XXXX. XXXX   XXXX XXXX TX, XXXX CO XX/XX/XXXX. 
XXXX XXXX XXXX. XXXX  XXXX XXXX OH, XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX NY, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX SC XXXX
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Ive currently tried to pay rent and the bank bounced back my check. I currently have over XXXX in my bank account and they wont let me touch or pull it out. I need my money and its effecting a lot of things in my life. I need this resolved
Consumer complaint received 2020-10-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On multiple dates as follows : Date : XX/XX/2020 & XX/XX/2020 Company : Portfolio Recovery Debt amount : XXXX Date : XX/XX/2020 Company : Portfolio Recovery Debt amount : XXXX The companies mentioned above added derogatory marks on my credit report as per XXXX Upon further research, I discovered these accounts were transferred/sold and I ' am no longer responsible for said accounts. Debtor 's creditor did not verify these collections. 

Also there were NO written forms of communication, contract, or signature for the accused debit at all. A bill without a signature does not validate a debit and anybody can send a bill and say it is mines. According to the FCRA, Companies mentioned above has violated my rights as a consumer and I'm requesting legal action to remove these accounts.
Consumer complaint received 2021-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE BANK USA NA # XXXX
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

This company keeps on reporting false information on my credit report. They are claiming I owe a balance that I never had from the beginning. I have never done business or mad e an transaction with this company and yet they continue to report false information on my credit report. I have demanded them to remove the information that they reported. They refuse to send documents supporting them on why they are reporting false information on my credit report. At this point they are in violation of fair reporting credit act.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Recovery Group (TX)

I began receiving calls for a young lady that I dont know, and has never owned my phone number around XX/XX/2020. Alliance Recovery would send and automated message for this person stating that they had a judgment against that person and they needed to resolve it prior to serving this person with papers. I followed the prompts to speak with someone to be removed from the callin list, as I was NOT this person. The First Lady I spoke to around XX/XX/XXXX stated she would remove me from the list and apologized. But yet, I kept receiving phone calls, several times a day, everyday. Each time I answered, and attempted to reach someone, but would get a weird voicemail stating that I reached they after business hours, although it was the middle of the day. I would leave a message stating that I was not the person they were looking for and to remove my number from their list. No such luck. Yesterday, XX/XX/XXXX, I finally got ahold of someone when they called, yet again and was meet with a ver combative woman, who was not willing to remove my phone number and kept stating that she wasnt going to help me because she didnt have time to deal with me right now. I told her that a I have left several messages to stop calling, advising that I would notify my attorney and CFPB if this persists and she became hostile, saying they ( CFPB and my attorney ) would be able to get the calls to stop.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CT)

On XX/XX/XXXX I had a fraudulent activity on my account and notified my bank. They gave me the provisional credit on XX/XX/XXXX then reversed it XX/XX/XXXX its impossible to get anyone from the fraud dept on the phone. I never got the explanation letter for the reversal.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Why is the account XXXX XXXX XXXX  XXXX Missouri still reporting to my credit report when XXXX  XXXX told you to delete this account due to ID theft? I've attached the letter from XXXX XXXX below. Also attached is 2 forms of government ID. Delete this account immediately.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

XXXX credit refuses to allow me to pay off my regular balance and continues to reduce my fixed pay loan.I have been trying since XXXX of 2018 to straighten this out. Every month I call and they say it is taken care of but it never is.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc. (NJ)

Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank failed to follow the instructions for doing an ACH transfer and they try to steal the interest for their own internal decision making a delays. They declined to do a wire transfer for me and their website does not allow outgoing ACH transfers over $ XXXX. The only option is to call them and " request '' for an outgoing transfer if the amount is over $ XXXX. So here is what happened on a recorded line on Friday XX/XX/XXXX. This request was handled by XXXX. I was told that it would take 1 to 2 business days for them to process my phone request and they may either allow or deny the transfer. If it is allowed it will take another few business days to then do the transfer and for the funds to reach the destination account. I told him very clearly at least a few times that I do not want to initiate the transfer today and I would like me request to be submitted for Monday XX/XX/XXXX ( I do not want to lose the interest over the weekend ). He said if he sets up he request for Monday, they will tell me by either Tue or Wed if they are going to allow that transfer or not and if allowed funds will reach my other on Friday. He confirmed and sent me a secure message saying that he is setting up the request so that they will start processing it on Monday XX/XX/XXXX and nothing will happen before that. I have attached a proof of that. 

But to my surprise, when I logged in into my account later on, I saw that the funds had already been deducted from the account a few minutes after the call and the Current Balance was showing the amount after the deduction even though XXXX had assured me repeatedly on a recorded line and over a secure message that nothing is going to happen before Monday XX/XX/XXXX. 

So the current situation is that I have received no communication about the status of the transfer, dont even know if they will approve it or not. They already rejected a request to do a wire transfer. But they have went already gone ahead deducted the amount from my current balance and stopped paying interest on that. 

So XXXX things wrong here - why does the deduction show up on XX/XX/XXXX itself when the request was for to not even initiate anything before XX/XX/XXXX- why they deduct the amount and stop paying interest when the customer doesnt even know that they are going to allow the ACH transfer or not This whole thing sounds like a scam
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2021-11-18
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. (GA)

On XX/XX/21 someone fraudulently applied for a XXXX  XXXX credit card. I reached out to XXXX  XXXX and they stated I should submit a dispute to the credit bureau in order to have the inquiry removed. I submitted a dispute with all 3 bureaus. XXXX has completed 2 disputes and will not delete the inquiry. If they do the proper investigation they will be able to receive the information to verify in fraudulent inquiry from XXXX  XXXX. Transunion has not opened a dispute or responded to any request.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, I am inquiring about the XX/XX/XXXX missed payment on the Band of America XXXX XXXX. I scheduled an auto-pay on the Bank of America XXXX and XXXX XXXX  did not schedule the payment on XX/XX/XXXX to the XXXX  I spoke with Bank Of America and was told it may possibly be a systematic error that has occurred, but they have not changed the false record of the missed payment.
Consumer complaint received 2020-12-04
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. (OH)

As of XX/XX/2020 I received notification from Experian that the results of my third attempt to amend incorrect data on my consumer file was deemed accurate by the creditor. To add insult to injury, not only did Experian not remedy my file but they added additional incorrect reporting, which continues to hurt my credit worthiness. 

Despite me providing Experian with supporting documentation in writing to subsequent my claim, along with specific instructions to remove those inaccurate items and provide me with the tools they used to verify their decisionI was unable to preclude any of those items. 

On XXXX, XXXX I spoke with an Experian representative over the phone to air my grievances. We both agreed that the information was being reporting inaccurately. However, he advised he was unable to amend anything on his end without the confirmation from the original creditor. I then asked, if we both agree that it's inaccurate where does the responsibility fall on Experian to remedy the situation. Also, why isn't Experian being transparent about the investigation tools that are or are not being used to satisfy my claim. 

I feel both Experian and the original creditor ( US Dept of EduXXXX ) are in violation of the FCRA. I reached out to the creditor directly for resolution and they were unable to provide documentation to support the inaccurate information on my report. 

Someone has to step in. This is not ok