davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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. (MA)

I received an alert that I had a 30 day late on my mortgage and I have never been late. the amount they are claiming is not even the amount i pay monthly. also, I have been in with mortgage company and dealing with an appeal about this and it is still going on but I have still paid my mortgage on time. I want this fixed immediately with all bureaus The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. ... Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic.XX/XX/2020 I am not late!!! see attached
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

I paid paid off my full balance that syncb in the amount of XXXX thru there attorney XXXX & XXXX and instead of reporting it as paid in full they report it as settled for less then total due. There was no settlement it was fully paid
Consumer complaint received 2020-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I attempted to extend myself a credit card through Capital One followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXX, XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.
Consumer complaint received 2020-12-21
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: TD BANK US HOLDING COMPANY (MA)

I've had a car loan with TD Auto Finance and have paid on-time every month for the past 4 years. I've sold the car and paid off the outstanding balance with good funds done electronically. I've now request 3 times for them to expedite the electronic release of the loan with the Massachusetts XXXX so that they will mail me a title and I can complete the sale of the car. I keep getting the run around from TD Auto Finance and have tried to get my request escalated to a manager but they refuse to help me with this issue. I can't believe they don't have anyone TD Auto Finance that can help. I've never had an issue with this loan and this is how they treat customer at the end of the contract. It's just horrible. Thank you fo your help. XXXX
Consumer complaint received 2020-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I applied for Public Service Loan Forgiveness ( PSLF ) and was denied and then applied for the Expanded ( TEPSLF ) and was also denied. This was done in the fall of XX/XX/XXXX. I have well over 120 payments required and have actually been employed as a public prosecutor for almost 16 years. However they refuse to count the majority of my payments claiming they or not the correct type of payment. But they are now counting my payments even though I never changed my payment plan. I moved my loans back to the Dept of Education in XXXX/XXXX once I could to take part in PSLF. No one ever told me that there was a specific repayment plan needed to qualify even though I specifically asked. I also thought the TEPSLF was intended to correct this issue but was denied under that as well. I have been paying back my student loans for over 21 years and have been in public service almost 16 years. If anyone is deserving of this program it is me. Please look into this and help me. I have continued to make my payments every month even through the Covid-19 pandemic.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I opened a business checking account XXXX at the XXXX NY office of Citibank. The account came with the promotional offer of {$700.00} after keeping at least {$25000.00} in the account for three months. I did keep the required balance but the bonus has never posted to my account. First I received a letter in mail from Citibank saying that I qualified for the bonus but Citibank claimed they did not have my tax information. I went to the XXXX XXXX branch and banker XXXX XXXX XXXX filed the tax form that I completed. No bonus yet. I asked XXXX to check the status. He received no answer and filed the form one more time. Then I received the tax form in the mail from the Citibank office in XXXX XXXX, MO which I completed and sent back to Citibank. After several phone calls to Citi Customer Service I was told that they received my form. Still no bonus. XXXX sent the tax form at least four times and I called the customer service at least three times. Both XXXX and I have no more avenues to proceed with the request.
Consumer complaint received 2020-12-16
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 (CA)

I had a Wells Fargo Dealer Services loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and WFDS accordingly. The car was paid off with WFDS for the amount of {$7900.00}. I've got the confirmation letter from WFDS attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score.

I have already talked to two representatives from Wells Fargo Dealer Services about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with Wells Fargo and their bad reputation I am requesting the CFPB for help with this issue
Consumer complaint received 2024-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I am writing to CFPB regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting validation of the alleged debt you claim I owe.

In order to comply with federal law, please provide the following documentation : 1. Proof of Ownership : A signed contract or agreement with my signature that verifies I owe this debt to your company or the original creditor.

2. Chain of Custody : Documentation showing the transfer or assignment of the debt from the original creditor to your agency, confirming that you have the legal right to collect this debt.

3. Itemized Breakdown : A complete and itemized statement of the alleged debt, including the original amount, any fees or interest applied, and the current balance.

4. Original Creditor Information : Complete contact information for the original creditor, along with a copy of any billing statements or other communications sent by them.

5. Proof of Compliance with State Laws : Any documentation verifying that you are licensed to collect debts in my state of residence and that the statute of limitations for collecting this debt has not expired.

6. Reporting to Credit Bureaus : Documentation showing that the debt has been reported accurately to any credit reporting agencies, including the dates of reporting and any disputes noted. 

By law, you are required to cease all collection activities and communication with me until you provide all of the requested information. I await your response. 

Please note, any failure to provide sufficient validation within the legally required time frame will result in your claim being considered invalid, and I will demand that you remove all references to this alleged debt from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2022-06-10
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. (WA)

On XX/XX/2022 I received an alert notifying me that a new collection had been reported on my credit bureaus. I checked and saw that a company called XXXX XXXX XXXX was showing a debt owed. This was a surprise to me because I had not received any type of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. 
I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/2022 which is fraud. 

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

One of the owners died Bank of America put hold on account. Went into the bank with XXXX year old father in law to fill out L8 to have hold taken off. Went through legal department and hold was released. Next day hold was back on. Bank of America always hard to get in touch with and never resolves problems. On the phone with customer service for over an hour transfer 3 times and STILL not resolved. Now have to go in for ANOTHER Appointment with XXXX year old father in law. They make banking hard for the elderly. He needs fund released to pay funeral expenses. Now Bank of America has different story of what needs to be done. Cant get in touch with a manager or upper level employee to get resolved in a timely manner.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Business account was opened and funded. Blocked for several days after trying to make a domestic wire for a supplier. Then unblocked, then blocked again. Account currently still blocked and no reasons given. Business about to fail since we can not pay bills.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$9700.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$750.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1500.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with PORTFOLIO RECOVERY ASSOCIATES LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, PORTFOLIO RECOVERY ASSOCIATES LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Advantage LNS Inc. (DE)

NCAC collections has continually changed the account type from joint to single and vice versa on several occasions, charged me incorrectly, never provided requested information.The debt belonged to my XXXX XXXX  father who has been deceased since XXXX, of which they received the death certificate and they are still reporting on my credit as an open debt. They have not responded to any requests or litigation communication to remove the debt amount of {$5300.00} from my reports. There was more than {$7900.00} worth of electronics and jewelry, etc. stolen while my fathers apartment was supposedly locked down while he was on XXXX. The debt was charged off and they purchased it from the original creditor XXXX XXXX XXXX without my deceased fathers consent.
Consumer complaint received 2021-09-15
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. (LA)

I've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My home received substantial flood and windstorm damage XX/XX/XXXX, yes I said XXXX. As of today XX/XX/XXXX Select Portfolio Servicing has refused to release all of the insurance funds they are holding despite over sixty pages of repair documentation from contractors, my attorney and myself. I gave up trying to deal with SPS directly and hired an attorney. SPS lied to the attorney several times and still refuses to release MY insurance proceeds. My attorney has had no luck trying to deal with this issue despite calls and emails. SPS is still calling me direct concerning the issue when they are suppose to talk to my attorney not me. They told me today that my issue is being reviewed by management. ( What!! Really!! ) My attorney suggest we may have to go to the next step which would be litigation as the only option. All is want is my insurance funds as I haven't been able to complete the repairs to my home almost four years later due the actions of SPS. I have been clearly damaged by the actions of SPS.
Consumer complaint received 2020-12-21
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 (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, US BANK CONSOLIDATED add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I contacted Equifax over 10 times in the course of 1 month to remove " dispute comments '' from a consumer report. Each customer service representative promised it was done correctly and 3 days later the comments would still be there. The process should take 1-2 days total. It took me over a month. The reason to remove the comments was extremely important. I was attempting to close on a mortgage. As you can guess that didn't happen in the time frame I needed and the loan was declined. I had to start completely over with the loan process and loss the bid on the house along with money. This is unacceptable on all levels. The English barrier continues to be a huge issue when calling. The customer service representative doesn't speak or understand English well. This needs to be addressed. You can not allow this to continue happening. Surely I am not the only person who has experienced this issue.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

CHase bank closed my debit/checking account i went to the branch had numerous conversations on the phone they requested 37 paystubs from my employer which were provided the account is being investigated and that can take a long time but i was told it was closed and given a number to call the wait is impossible it has been a year they are witholding my pay from my employer please help
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have had issue now for over 4 months with my CapitalOne account. I do not own a phone and have tried to log in to the account they won't let me. I am literally being held XXXX over this. They have actually been spending money not to assist me on this even though I told them I have a XXXX and I do not own a phone they will not work with me. 



I literally have had to over the last 4 months make back and forth trips to the capital one caf just to make payments and I'm getting irritated at this point if not irate!!! I spoke with the manager of the capital one caf Mr. XXXX XXXX back in XXXX and he seemed to want to resolve the issue. He explained to me that he was going to reach out to the escalations team. However, I didnt hear from in over a month. He then responded saying that he was on a leave and that I could make an appointment to speak with him and see what we could to resolve this however it's been a week and I have not heard d back from him. 



They sit here and say were not preventing you from making payments that you can have them mailed. Thats not what this is about folks it's about having the ability to have access to my account. I want to check my transaction history I want to make payments at the convivence of my home and I want access to the rewards that come with my quicksilver card. 



They put me through all that hoop de la garbage just so I could get a new card but refused to allow me access to my account online. Even though capital one has copies of my driver 's license and knows I'm the legitimate card holder I was able to go through the customer service chat and have a card order however when I spoke with them about simply having the rewards that have been accumulating on my account and they said they couldnt do that. 



I dont know what capital one 's deal is when it comes to this, I am under distress from this and im not backing down from this it's been 5 months and I have to have access to my account remotely I have to check my credit wise alerts I have to check my transaction history when needed in a timely basis And I am entitled to my reward on my quicksilver card And you can't tell someone because they dont have the ability or access to a phone that they can't log on to their account This company has some nerve to tell someone they have to go out and get not just a phone but a mobile phone plan that is under my name simply to receive one text message why can't the company just work to resolve this matter I have said it over and over I'm more than willing to provide other means of documentation or verification that I am the legitimate account holder But they will just rubber stamp this spent XXXX dollars to air mail a copy and pasted letter saying were not doing anything
Consumer complaint received 2021-04-01
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. (GA)

This is a confirmation that I am disputing several fraud inquiries on my Equifax report. I tried to get a solution in the past. I sent Equifax a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. 

I have attached a document. Please send it to Equifax. 

Thank you.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (NY)

i told them that debt wasn't mine and to stop calling me. i even called the cc that the debt was from and telling them that the debt wasn't mine but was told that this is no longer in there hands and they sold my debt to the company Resurgent /Lvnv funding. i asked multiple times that they stopped calling and to please fix this on there end and they never have, all i received was calls for collections on a debt that i don't own no matter how long i called them.
Consumer complaint received 2021-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I have applied for a {$15000.00} auto loan with schools first credit union. They originally asked for my paycheck stubs and after furnishing them they ask for other paper work like my 1040 schedule c and a schedule one, which is so new the phone agent didn't even know what it was. So, how am I suppose to have this document. They are making it almost impossible for me to get a loan. I believe I'm being racially profile and not getting equal treatment.