davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (LA)

Subject : Dispute of Charge-Off Violation of Right to Accuracy Dear Comenity Bank / Victoria secret I am writing to dispute the charge-off reported on my credit report associated with Account Number XXXX I believe this charge-off is inaccurate and violates my right to accuracy as established under the Fair Credit Reporting Act ( FCRA ). 

According to my credit report, this account shows a charge-off status, which I dispute for the following reasons : 1. **Inaccuracy** When a creditor writes off a debt and reports it to the IRS, it can not continue to report the forgiven amount as an active debt on the debtor 's credit report. Once a debt is written off, it should be marked as " charged off '' or " settled, '' but not as an open or outstanding balance. Reporting the debt as still due after writing it off would be inaccurate and could violate credit reporting laws under the **Fair Credit Reporting Act ( FCRA ) **.

I kindly request that you investigate this matter and provide me with the evidence that validates this charge-off. I would also like a correction of my credit report to reflect accurate information regarding this account. 

Under the FCRA, I am entitled to receive a response to my dispute, including an explanation of your findings. I have attached copies of relevant documentation to support my claim. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

XXXX  XXXX XXXX purchased {$600.00} medical bill originally from XXXX XXXX XXXX which is 4 years old was paid by insurance. 


this company keeps trying to collect on debt that were paid in full by insurance.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CA)

This is a follow up to XXXX # XXXX and XXXX. 

My apologies for opening another case regarding the same matter referenced above. But I received this email today and I believe this is the pattern of communication which will eventually reach the XXXX XXXX XXXX Department. 

If I do not respond by their XX/XX/XXXX deadline, they will automatically write up the levy and the XXXX XXXX XXXX Department will then automatically execute the levy to garnish my account, no questions asked. 

Please follow up to prevent this from happening again. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-17
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 XXXX I just receive credit report and seen inaccuracies on my credit report for XXXX XXXX XXXX a balance of {$7400.00}. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt, and I also stated to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. After the dispute the account came back verify and I do not agree with the results of this dispute. I Also stated they had 30 days to to mail me proof of the investigation and proof of the negative account or deleted the account.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I disputed a item for amount of XXXX due to it being the incorrect item as well as it being defective. I went in to the dealership as prompted and sent in all documentation of this incident and was wrongfully denied my claim. I am asking that this dispute thst was not handled in the correct manner by CAPTIAL ONE bank to be looked into ASAP As they are threathning to close my account due to thus matter
Consumer complaint received 2019-10-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IL)

I initially called Chrysler Capital over a month ago about my loan being paid off. On every car statement I have received from Chrysler Capital shows a 'maturity date ' of XX/XX/2019. Chrysler Capital sent me a letter stating that my account was paid in full on XX/XX/2019, but they had placed a 'late payment ' notification on the primary borrower 's credit report. I called to dispute, as all the information I had on this showed this was an error. I called and spoke to XXXX first where she said that she would escalate the situation because she could not find a reason for that 'late payment ' to show up on the primary borrower 's credit report, she also advised that I had a refund that I was supposed to get as well, for {$220.00} as there was an overage and that I had not received my title either. Her supervisor reviewed my account while I was on the phone with her and the supervisor stated that it was a reporting error. I was also advised to call 'XXXX XXXX ' for my refund, but 'XXXX XXXX ' couldn't find me when I called, so I called back into Chrysler Capital to see what was going on with my account and then this issue was escalated after I spoke to a supervisor. She assured me that someone would call me on Monday XX/XX/19. Someone did call me, but she was extremely argumentative and promised she would look into the issue, review the recorded calls, and then she would follow up with me. Shockingly, she never followed up. I then called back in a day or so later and spoke with XXXX. XXXX assured me that this would be fixable and from what he saw on my account it was a reporting issue. He never followed up with me ... we are at about a week and a half of me working on these issues. No one has ever followed up with me, regardless of the multiple promises, I have been the one to call every other day for an update. As someone who has worked in the 'XXXX   XXXX ' department for another company, Chrysler Capital 's 'escalation ' process reeks of unprofessionalism. Yesterday, XX/XX/2019, I finally received a response from XXXX via the phone and now my, as I am the co-borrower on the loan, credit report has been updated by them to show the 'late payment ' now that I brought their error to their attention. They did this two months after Chrysler Capital told me my account was paid off and closed now. The resolution I am looking for, is for Chrysler Capital to remove the negative marks for the 'late payment ' on the primary borrower and co-borrower 's credit reports, due in large part to the conflicting information and previous promises by their management and 'executive complaint ' department, as well as get my refund. The only part of this escalation that has been resolved is that I have received my title.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XXXX, XXXX I dispute with XXXX the Public Record Information on My report and they answer on XX/XX/XXXX with a verified response. They informed me in the letter the information came verified from XXXX XXXX, which is impossible because XXXX XXXX remove this item from my file on XX/XX/XXXX enclose the letter for your review.
Consumer complaint received 2022-10-12
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: CLGF Holdco 1, LLC (OH)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a comsumer reporting agency can not furnish my account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer credit plan as late.
Consumer complaint received 2020-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I sold my home yesterday. I had been trying to reach Caliber Home Loans to ask about what payments are due before selling a home to avoid a credit ding. Their customer service line does not reach a person. The only options are 1. Make a payment through automated system 2. Listen to automated info 3. Call consumer advocate. 

When you follow the prompt for consumer advocacy, the message gives a new phone number to call. When you call that number, you're taken back through the same automated system. 

I tried calling multiple local branches that do not answer the phone. 

I sent an email through the customer portal and was given an automatic response to call the same customer advocate number. I filled out their promise for payment form and selected pending sale and received an error message. 

Because of all this, I missed one payment due to lack of info from Caliber, knowing I was selling my home. 

When we arrived at closing yesterday, the payoff provided from Caliber looked incorrect. It shows we owe Caliber money in escrow, which didn't sound right because the county is sending me a refund for overpayment of taxes. I'm happy to pay if accurate, but need proof that this amount is owed Caliber. I tried calling again, and finally reached someone at the branch who transferred me to a customer service rep. Customer service transferred me to the property tax department, who said they don't handle new payoff paperwork. They also said that they paid over {$5000.00} from my escrow for taxes, which would still be an overpayment by about {$1200.00}, as I just received my tax statement from the county yesterday. I was told customer service would have to do the new/corrected payoff sheet. I then got transferred back to the same customer service number that is impossible to reach a live person. 

I have tried multiple numbers, including branches/sales offices today to reach someone and have gotten mostly no answer. I finally reached one person at a branch who transferred me to a live rep who introduced herself on the phone and immediately put me on hold for 10 minutes before hanging up. I hadn't had a chance to say a word. 

Our title company is holding funds for us until this is worked out, but if I am not able to resolve Caliber 's failures by Monday, I will have a second missed payment rather than a paid off mortgage. I'm furious that I'm doing everything right and the mortgage company 's incompetence is ruining my credit.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX OF XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX OF XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions i also have an unauthorized inquiry reporting XXXX XXXX - XXXX
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've been sending letters to TransUnion every month since XX/XX/2021, addressing inaccurate information/accounts. Since my initial dispute letter in XX/XX/XXXX, I've subsequently asked for Method of Verification, I've done Factual Disputes with attached proof of everything for my disputes - to include copy of emails from XXXX XXXX XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that TU is reporting differently than XXXX  & XXXX. I've also addressed and attached proof that TransUnion continues to report an account that was deleted by the other two CRA. With each letter sent, I attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately & that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting. That they're also supposed to provide me proof of how they got the information, steps for their investigation. Repeatedly they cite verified without providing proof if how or where they get supposed verified information. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty. TransUnion is blatantly violating several sections of the FCRA. I demand that TransUnion delete any and all derogatory remarks on my report pursuant to USC 1682 b ( 2 ). Furthermore, I feel they should be sanctioned for violations of the FCRA sections 609, 611 & 623.
Consumer complaint received 2020-12-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

Recently, I became aware of some unresolved medical bills on my credit report from XXXX XXXX, regarding some unresolved medical bills on my credit report. I have been discussion with Bull City Financial about how to resolve the 8 accounts that they are reporting. Altogether, the 8 accounts that they are reporting total over {$2000.00}. I recently pooled together about {$750.00} to resolve three of the eight collection accounts that they are reporting. But when I called Bull City to pay the three accounts, they told me that they would not delete any of the collection accounts I paid, unless I paid all eight of them. Since each of these debts are a separate listing on my credit report, this made no sense whatsoever to me. What good does it do me to pay any of the collections if they are not going to delete them, after I pay them? Quite frankly, this is extortion. And I told the representative just that. If they are reporting eight accounts separately, I should be able to address them separately.
Consumer complaint received 2019-10-25
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (NJ)

THIS IS NOT A DUPLICATE COMPLAINT. 
This complaint was mistakenly marked as a duplicate. I have a few repossessions listed on my credit report with the same company ... AMERICAN HONDA, which is why I uploaded copies of the VEHICLE IDENTIFICATION NUMBERS ( VIN # S ) with each complaint, to distinguish one from another.The purposeof this complaint is also different from the previous complaint. My credit reports did not show a balance owed for this vehicle previously, however my recent reports show that now there is a balance of {$2600.00} owed. There should be no balance owed as this vehicle was traded in for a different vehicle.AMERICAN HONDA in my opinion is indulging in unfair and deceptive business tactics ( practice ). They have not produced documents showing where this balance is owed or how they came to this calculation.
Consumer complaint received 2020-08-25
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2021-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Big City Finance, LLLP (TX)

Date is XX/XX/2021 Am  XXXX XXXX from XXXX Texas XXXX the complaint is about Power Finance Texas was sent to you via mail about the company Power Finance Texas about getting wrong Information about me about obtaining for some payday/loan. 
never got a reply twice. 
Today found go another saying they can not approve service at this time date XX/XX/2021. 
The denial is Dated is XX/XX/2021. 
The date XX/XX/2021 falls on a Friday I never tried to apply I call the abuse they need to stop and it is XXXX XXXX XXXX this abuse Am willing to fill a lawsuit against this company for for damages and abuse obtaining bogus pay/loan.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (CA)

I paid off my Comenity card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my credit score and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.
Consumer complaint received 2022-09-27
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

In XXXX I went online to pay my mortgage and saw an offer from Wells Fargo to allow me to apply for relief. First I clicked on it to see what the offer was and it automatically put me in the Covid 19 relief program with no way to say NO! I tried to call but was on hold for 2 hours each time and for several days and finally just decided to ride it out. However, it really worried me as I began to see this is in fact a deferment and not a forgiveness because I thought how the heck if you can't pay would you have all that money in 3 months so I called numerous times and was told by XXXX, XXXX, XXXX & XXXX that the FHA had already approved any amount accumulated to be moved to the back of my loan because my loan payment status was excellent. So, that helped but still I know that means next XX/XX/XXXX I'd owe a ton of escrow! Given that knowledge, and after receiving my stimulus check of {$1200.00}, I called on XX/XX/XXXX and spoke to XXXX. I paid my escrow overage of XXXX and 3 months of escrow for a total of {$1400.00}. Since that time the payment has not been applied properly and they still have me listed as participating in the program, even though I've clearly stated I no longer want to be in the Covid relief program in XXXX, when I was forced to call and pay my loan over the phone, due to them not correcting my info, and also in XXXX, when I again had to pay over the phone! 
I should only owe them $ {$1400.00} and they say on my new statement I have an unpaid balance of $ {$4800.00}!! 
XXXX mortgage amount due was {$970.00}, XXXX was XXXX due to paying overage on escrow, and XXXX was {$950.00} which = {$2800.00} minus the {$1400.00} paid = {$1400.00} not $ {$4800.00}! It doesn't even match what I'd actually owe if I did have to pay all three months!! How does {$2800.00} turn into {$4800.00}? I've paid my XXXX and XXXX mortgage payments and they show that amount of {$1900.00} as unapplied funds balance!!!!!! That is the XXXX payments I made for XXXX and XXXX of {$950.00}!! 
They are trying to defraud the government is what I believe and keep me in the Covid 19 status to gain funding!! I want my account taken out of this status, the unpaid amount of {$1400.00} moved to the back of my loan as they stated was approved, and everything corrected to show I owe them nothing but my monthly mortgage payment due in XXXX of {$950.00}.
Consumer complaint received 2021-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I paid this debt for my son 2 years ago while he was in XXXX. I have communication from the debt collection company stating that it was satisfied and it shows on his credit report as satisfied. Now 2 years later I get a call from another debt collector representing their call about a legal case in AZ and they sent a process server to my home and went and spoke to 1 of my neighbors about this matter for something that was resolved 2 years ago. When I spoke to them on Monday XX/XX/XXXX they were going to send me their information on the case ( which tells me they knew that it was closed ), however they never sent anything. I have my own records from the debt collector that I dealt with stating that it was paid in full and resolved. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the original debt collector that I dealt with ( XXXX XXXX ) and they confirm that it is paid in full but Ace Cash Express must have sold the debt again to this XXXX XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (AL)

Im estimating in between XXXX XXXX dollars were frozen in my account dating back to XXXX. All I ever wanted was my funds to be released to me. Unfortunately my fund were sent to the source that sent me the funds, but they denied theyve ever received anything. I have emailed this company over and over all the way up to now in year XXXX and still the same results.