davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MD)

I received a letter dated XX/XX/22 regarding 3 accounts Phoenix Financial Services purchased. The letter stated that I had until XX/XX/22 to respond if I needed additional information related to the debt. After doing my own research, I determined that I need account detail because I believe that the accounts were already paid off. One account listed I was able to tie back to a paid in full letter the other 2 accounts did not have any recognizable information. I mailed a response on XX/XX/22 to request additional information. 

To date no information has been received. However, I received a notification that Phoenix Financial Services added 2 collection accounts to my XXXX Credit report on XX/XX/22 despite my letter stating that I had until XX/XX/22 to request account information. On XX/XX/22 I mailed another request via USPS priority mail w/ tracking to request the information again. The letter that I received is deceptive and damaging. Ive worked extremely hard to pay off outstanding debt to have this happen. Adding the debt to my Credit report before the date on the letter is a form of harassment in my opinion. No one wants to see collection accounts on their report or have their credit report impacted.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I reached out to Experian on XX/XX/XXXX, XX/XX/XXXX, and today ( XXXX, XXXX 2022 ) about updating my personal information and they never responded or correct my info. I sent letters, I called, faxed, and I exhausted all resources and they are still not correcting my information. Can you please help me out. There are 2 addresses on my credit profile that are not mine.
Consumer complaint received 2022-08-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX I recieved a copy of my consumer report with the intention of improving my credit and taking care of my responsibility and i noticed an account that i want a little more explanation on. I am not saying that its reporting wrong or right im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it said by law i can challenge anyhting i am not sure is 100 % correct. In 15 USC 1681 i ( a ) it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accurate. By law you have 30days to complete your investigation or delete the account. Please investigate this account and remove it if theres anything missing XXXX XXXX  Please investigate if every piece of information on this account in accurate or delete the item
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (LA)

I recently changed wireless carriers from XXXX to XXXX XXXX XXXX XXXX Of course, this was not without hiccups and challenges. While waiting for my final bill ( but not being behind on the XXXX  bill at all ), I received a collection notice from a company called Convergent. My account was not yet even 30 days from the final bill and I still have not received said bill. I had made at least one payment toward the bill directly to XXXX less than 5 days prior to receiving the notice from Convergent, and XXXX has verified that I my account has not been written off or put into collections. Despite this, I am fully aware that Convergent had to get my information from somewhere. With this reason, I would like to formally file complaints against both parties, XXXX and Convergent.
Consumer complaint received 2024-11-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (TX)

The debt collector XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX  stating that they are trying to collect a debt for Credit Acceptance Corp. The letter had a total amount of {$12000.00} owed to the creditor which is not correct.They are sending me threating collection letters about a debt that is not correct. I have notified them of this issue and my response.
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CO)

I have been on autopay for months. I received an email stating that my payment was returned due to nonsufficient funds, which was never the case since I can demonstrate that my bank account had plenty of funds for the payment. Additionally, I reached out to my bank and they stated that an electronic payment request was never submitted by Bridgecrest. 
When I called customer service ( twice ), the only thing the reps told me was that my payment was 'unable to locate. ' A short time later, I received a text message and email that my payment was made successfully. However, I noticed that my payment was not withdrawn from my account so I tried to make my payment online. At that time, I noticed that my bank account was missing from my account. There is an issue on Bridgecrest 's side and I can't get any information from them.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Thank you for the opportunity to explain the late payments and issues on my credit report. 

In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, XXXX for my daughter. 

From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her XXXX account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. 

Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses.

So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. 

I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. 
Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. 

I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. 

ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXX XXXX branch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in XXXX. I have been working with the police in both XXXX and XXXX to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! 

I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Thank you for the opportunity to explain the late payments and issues on my credit report. 

In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, XXXX for my daughter. 

From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her XXXX account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. 

Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses. 

So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. 

I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. 
Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. 

I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. 

ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXXXXXX XXXX XXXXranch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in XXXX. I have been working with the police in both XXXX and XXXX to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! 

I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I deposited a check # XXXX in the amount of {$90000.00} from account ending in # XXXX that I hold with XXXX XXXX XXXX XXXX for a HELOC loan that I own into my personal checking account with Bank of America on XX/XX/XXXX. BOA accepted the funds on XX/XX/XXXX and have been holding these funds since then in a " pending '' status as they deemed the check counterfeit. They have since closed all of my personal banking accounts and have refused to release these funds to me that I rightfully own. I have contacted bank of America numerous times over the past three weeks along with representatives of XXXX and a personal hired attorney to provide validation of funds and rightful ownership over these funds. I am suppose to close on a home on XX/XX/XXXX next Friday. BOA is jeopardizing my home purchase and I am in the process of filing a lawsuit against BOA for damages that I may incur should I fault on this real estate contract. BOA has refused to work with me or provide me with any information regarding updates nor have they allowed me to provide any proof or material to show legitimacy of ownership over these funds.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was XXXX from XXXX. 
XXXX, TransUnion and XXXX XXXX XXXX have unpaid Medical charges on my credit report during that time. 
I have sent them my prison records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (OH)

On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to Zwicker and Associates for an XXXX XXXX debt that I owed. I reached out to Zwicker and Associates PC collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXX 's direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX  County Court to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from Zwicker informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.
Consumer complaint received 2022-08-08
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)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for credit one bank 15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (MS)

I noticed my scored dropped. After checking my report I notice these accounts should not be on my report and need to be removed. I don't have a contract or own these accounts. 
XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX {$670.00} XXXX XXXX {$4000.00}
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX my husband and I purchased a large tile order in store at XXXXXXXX XXXX XXXXXXXX and opened a XXXX XXXX XXXX  credit card at that time with 0 % interest for 1 year. 
XXXX XXXX we realized the tile we purchased which we were given part of the order on site and the rest we were told was back ordered was actually discontinued. 
XX/XX/XXXX the company resolved the issue returning the tile already purchased and selling us a new tile that was not discontinued, we had to pay our contractor a large fee to remove the tile already installed XXXX XXXX we had paid off almost all of the balance except for {$600.00} at which time I called XXXXXXXX XXXX XXXXXXXX to understand when the 1 year 0 % interest ended because the statements were saying XXXX but we had returned and made a new purchase. I was told at this time that they would update the credit card company to tell them the XXXX purchase date XXXX XXXX the date had still not been updated so I called XX/XX/XXXXagain at which time i was told again it would be updated XXXX XXXX I paid off the remaining {$500.00} balance but when the statement arrived I had been charged interest as if I hadn't paid the balance in time for the 1 year as the still had not updated it to XX/XX/XXXX XXXX XXXX I call Comenity bank who tells me to file an official dispute and i upload evidence and receive format letters saying that the date of the ending of the 1 year interest free was on the statements and not addressing that I had been told it would be changed to the correct purchase date -XX/XX/XXXX and XX/XX/XXXX I call repeatedly to try to fix the issues XXXX XXXX I call comenity bank again at which point I am escalated to a manage who tells me I shouldn't pay the bill when I expressed my concerns that it is showing on my credit report as a delinquent account but rather to get a letter fromXX/XX/XXXX explain what has happened XXXX XXXX I work with the store manager who tells me they have asked corporate headquarters to communicate with the credit card company to resolve the issue after no resolution I called comentiy bank again and spoke to them for 2 hours and a supervisor told me she was going to investigate but I have still not heard anything back, I am being harassed by their collection branch who refuse to help me and my credit score goes down every month
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NJ)

I received a {$200.00} Vanilla Gift Card as a gift on XXXX XXXX. I had saved it and kept it in my dresser drawer until XX/XX/XXXX. On that day, I had planned to do some grocery shopping and called the XXXX number on the back of the card to make sure I didn't have to activate the card prior to use. 

To my surprise, the card had only {$6.00} and change remaining. A purchase for approximately {$190.00} had been processed on XXXX Knowing that I had not made the transaction, I immediately called Vanilla and reported that the card had been stolen. I filed a dispute for the transaction on that day, XX/XX/XXXX. I was told that in order to investigate my claim, I would have to fill out paperwork. However, knowing that federal Regulation E requires that the investigation commence upon my verbal notification that an error ( fraud ) had occurred, I was looking forward to a speedy resolution. The card was closed immediately leaving me with no access to even the {$6.00} that had not been stolen. I did, however, complete the required paperwork and returned it per Vanilla 's email instruction on XX/XX/XXXX. 

I heard nothing from them and, on XX/XX/XXXX, resubmitted the completed paperwork. Still no response, no communication whatsoever was received. Today, XX/XX/XXXX, I called to follow-up again and was told that since " they didn't receive my paperwork '' ( which I had submitted twice ), there was nothing that they could do and that they would get to it " when they can. '' I remain out the {$200.00} today and am having to jump through hoops to get back money that was stolen from me.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (MD)

There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

These accounts on my consumer report is effecting my life in devastating ways.
Consumer complaint received 2023-06-14
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. (FL)

For XXXX XXXX years straight I paid all my bills on time XXXX score would never go over XXXX but my income change in XX/XX/2023 so I have some 60 days late and my credit score was dropped by XXXX points. They never gave me XXXX points when I waXXXX XXXX straight years on time also within those all paid on time bills the decrease my {$2000.00} with XXXX XXXX to {$1200.00} which was my balance when they decreased so that made my debt to ratio high. Just XXXX points is outrageous but I never advanced with the XXXX years been timely. Please help me this feels unethical wrong.