davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (WI)

My previous complaint was closed, XXXX, but not resolved to my satisfaction. A small amount was deducted but my point was not addressed. I received a notice for the first time 8 months after the leased vehicle was returned and was refused to be present. This should not happen and now BMW expects full payment in 2 weeks.Also the online amt due is not reflected to what it was adjusted to.
Consumer complaint received 2020-12-07
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: BMO Bank, N.A. (WA)

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

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, BMO HARRIS BK N A add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX 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 2020-12-07
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. (MI)

I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX  card to a XXXX XXXX XXXX card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Id called Capital One on Monday, XX/XX/XXXX to set up a 3-installment payment plan for my over-limit balance. Dates which my bank account was to be debited were meticulously picked out and thoroughly discussed during that recorded phone call on XX/XX/XXXX. The first of which was to be Friday that same week, XX/XX/XXXX. When the payment wasnt withdrawn on the XXXX I figured okay, maybe itll take the weekend since its the first payment. Maybe theres some sort of timing issue with it being a Friday. But when the payment still wasnt withdrawn from my account on Monday, XX/XX/XXXX, I called Capital One to inquire as to why. They told me the payment plan was not properly processed on XX/XX/XXXX. They then told me the payment of {$330.00} was now ~ {$410.00}. This upset me because Id already budgeted and prepared for the agreed-upon amount of {$330.00}. So my account was sent for review. Then I get an email from my credit bureau stating theres been a change to my score. Come to find out Capital One reported a missed payment ( the payment they hadnt properly processed ) to my credit bureau on XX/XX/XXXX. When theyd done it a second time the following month I again became upset and discovered its illegal for a credit card company to report anything to any bureau for an account that has a dispute. Which mine does. Furthermore, the missed payment was the inaccurate {$410.00} amount. Many phone calls later Capital One tells me theyre adjusting the credit reporting and credited my account {$50.00} which allegedly got applied a month ago. Yet I hadnt heard until a month had passed? Weird. {$50.00} in no way helps anything. And today I receive an email stating that my credit card will be charged off if I dont make a payment. All I want to do is make the payments that were agreed upon on XXXX XXXX, 2020. Seems like Capital One is aware they messed up but they want to rush things and close my account while Im trying to fix things.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2020-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (CO)

We have received two phone calls from the same number ( XXXX ) reporting to be from Sequim Asset Solutions, LLC representing XXXX (? ) Collector attempting to collect a debt. One caller gave a call back number as XXXX, the second gave XXXX. Both gave the same reference number for the debt. The first call was on XX/XX/2020, the second on XX/XX/2020. We generally do not answer calls not in our contact list and therefore both calls were allowed to go to voice mail. We have no overdue debt.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

XXXX Receivables Performance XXXX. XXXX  XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX number Phone Service Contract ended XX/XX/2019 I switched to XXXX  in XXXX Paid the two months owed Returned the phone. 
They are say the second line was continued without Payment. 
For 1 month. But I have a receipt they started a new service 1 month before contract ended. 
Note : I was with XXXX for 16 years. No way I am not going to not know when my contract ends and not pay my bill if it is really owed. 
This is been passed around by debt collection companies as a bad debt on their behalf. This is the XXXX. And they posted it on my credit report. And score dropped from XXXX to below 650. With this one derogatory issue. I use less than 2 % of my credit line which $ XXXX apx. No way I want to mess up my credit. I simply do not owe this pittance. Research has shown XXXX generates fake bills historically after a customer leave. Its on the internet. Up sell you having their sales people meet quotas, dropped calls. Company is garbage The fact I ported my number two months before my contract ended with XXXX. 
Returned the phone in new condition. 
So again paid for two month service and my phone # was already with another company. And two months of XXXX charges and I didnt have service. Speaks a truth to the matter. The attached photos below is reciept accounting shows the line they say was in service with usage. Was also not in use. So someone is lying!
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (MA)

I applied for a refinance on XX/XX/XXXX, at which time I authorized TD Bank to run a credit check. After multiple missed deadlines on their part, they decided to run another credit check on XX/XX/XXXX without my consent. I've emailed them multiple times asking for proof of my authorization and for them to remove the hard inquiry if they're unable to provide proof.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello! I had made some financial mistakes about 5-6 months ago and just this past month I had to borrow money from a family member to pay off all my debt. I dont understand why XXXX was able to waive my late fee after paying off all my debt on XX/XX/XXXX with everything on my bill specified and capital one is unable to. I was charged residual interest on XX/XX/XXXX after I paid off everything. I believe capital one is trying to steal {$75.00} dollars from me! I am currently unemployed and {$75.00} is a lot for me. Ive tried calling capital one multiple times and they wont budge. They keep giving me terms and conditions which I dont understand. Please help me resolve this quickly!
Consumer complaint received 2020-12-07
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 (CA)

On XX/XX/2020, PORTFOLIO RECOV ASSOC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Caliber Loan Number : XXXX On XX/XX/2020, I spoke with a loan agent by the name of XXXX XXXX about refinancing options and interest rates only. He asked if I wanted to submit a loan application and I explicitly told him, " No ''. I filed a complaint with Caliber Homes and no excuse or reason was provided for his unethical actions. Their response was, " Since you decided not to move forward with the loan refinance process, the Loan Consultant was required to withdraw your application in our system. " ( Direct quote ). As if this solves the problem. The issue is, I told him not to submit a loan application in the first place from the beginning. The call was recorded on their end. Caliber is saying that a loan number was required to be opened as part of their inquiry, so that the Loan Consultant could gather my information and be able to provide me the most accurate information available in regards to my refinance options. Even if this were the case, I should have been told that upfront and then why did he even ask if I wanted to move forward with submitting a loan application if this is normal/routine practice. I have spoken with plenty of other refinance companies and they were able to provide me with information that I requested without submitting an actual loan application. I believe that they are just trying to " beef '' up their numbers.
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I graduated from XXXX XXXX XXXX in XXXX. I immediately received info about federal loans from XXXX XXXX. It was about XXXX and I paid those off while I was in graduate school which was from XXXX. This past month I found out I had outstanding student debt from XXXX when it suddenly appeared on my credit report ( and dropped my credit score ) and my husband ( who has no connection to my student loans ) was contacted by a debt collector. From the debt collector, I found out my XXXX XXXX  ( about {$1700.00} ) were serviced by a company called ECSI. My major problem is they never contacted me. I had never heard from them about my loans so I didnt even know these loans existed until now. They are adding on a debt collector fee and my credit score dropped significantly. If I had known these loans existed, I would have paid them off years ago. I can not get any help from ECSI, they basically just said its my responsibility. I understand that, but they have a responsibility to make sure I know that Im even in debt! These were never shown on my credit report until now.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment during the pandemic on XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-12-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

I attempted to purchase a CD from Citibank online. The purchase appeared to be successful but at the end of the process I got an error message that said Citi was unable to create an account and I should go to a branch. I visited a branch and they were unable to create the account but they informed me that if the money wasn't withdrawn on the same day, the transaction would be cancelled. As a precaution I disabled the XXXX access to my XXXX account that Citi had requested. The next day I purchased a CD from another institution. Today I discovered that my XXXX account was overdrawn because Citi had withdrawn the funds. I called Citi several times in an attempt to resolve the issue and cancel the CD. They informed me that the CD can not be cancelled without penalty, yet they are still unable to create an account online for me, so I am left with a product I have no access to ( since they can not create an online account ), which I didn't want in the first place.
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (MI)

My car was repossessed but theyre telling me it wasnt. I posted a down payment along with an additional XXXX to cover my monthly payments for the following months, however the dealer failed to provide my additional payment into my paperwork so now it seems as if I broke my contract when the dealer and bank is acting of out bad faith. I went through XXXX XXXX XXXX XXXX XXXX and the bank that provided the loan goes by Westlake Financial XXXX
Consumer complaint received 2021-06-03
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: Professional Recovery Management (TN)

XXXX, Acct # XXXX, SSN XXXX discrepancies in the High Credit amount, showing XXXX for XXXX  Student Loans showing late payments during Month of Pandemic when it was decided by the FCRA that all student loans payments would be suspended during those months. Acct # XXXX XXXX  Acct # XXXX, showing derogatory when there is a XXXX balance XXXX XXXX  Acct # XXXX, Auto Loan, showing collections with XXXX, balances are inaccurate. I was affected by the pandemic and did not have the means of making the payments. Natural disaster beyond my control XXXX XXXX XXXX XXXX, Acct # XXXX, inaccurate reporting on my report XXXX XXXX XXXX XXXX XXXX Acct # XXXX, inaccurately reported Inquiries that are bad and not authorized by me
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (FL)

On XXXX-XX/XX/2020 I was contacted by phone by debt collection firm saying I owe them money. Lately they contacted me by my email. On XX/XX/2020 I was asking for debt verification information, and never received any competent evidence that I have any legal obligation to pay to the order of Cedars Business Services. I was contacted again on XX/XX/2020 asking to pay a debt. The representative never sent me any Agreement with the client that grants them the authority to collect on this alleged debt. 

Also I never received any notice of debt thought the regular mail.
Consumer complaint received 2023-08-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-07
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. (TX)

THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected my credit report.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MD)

I had an account sent to collections that I do not recognize, and I received no written notice of this debt. I can not verify I owe the money, and all my other accounts are in excellent standing, this makes no sense. 

The account is with " RMP Services '' and the amount is {$740.00}. Again, this is not mine, and I have never heard of them, nor do I have any delinquent debts.
Consumer complaint received 2023-05-22
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: BARCLAYS BANK DELAWARE (NJ)

I called and let them know a hard inquiry was put on my credit report from them that I never authorized. They basically said that they couldn't do anything because they didn't have an account under my name in their system. Neither XXXX or Barclay 's bank Delaware were will to communicate with each other to resolve the situation.
Consumer complaint received 2020-12-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Global Lending Services LLC (MO)

My wife and I bought a XXXX  XXXX XXXX from XXXX XXXX, back in XX/XX/XXXX. We were financed through Global Lending Services, and have been paying on it ever since. 

Then of XX/XX/XXXX, my wife & I ask for the payoff amount to pay the car off. The total came to {$5800.00}, so we had to make two payments to them. One for {$4900.00}, and one for {$800.00}, due to they could only take a payment up to {$5000.00}. 

We figured that it was done, and now owed the vehicle. That was until XX/XX/XXXX, when my wife & I were trying to buy a house, and found out they reported to all three credit bureaus that our account status was repossession/foreclosure. 

I call Global Lending up, and they said they wails correct their mistake, and once again .... I figured that was the end of it. 

Until I took my title to the DMV. They told me I needed a Lien Release Letter from them, to have them taken of as the lien holder. 

I call them today, to get that .... To find out they gave the lien to an auction company. 

This is now getting to become a problem. 

They are messing up my credit score with XXXX XXXX and XXXX, as well as giving some auction company property that I have in my possession, and have paid off as agreed to the contract. 

This has to be illegal, and my wife and I need help.