davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2017 I put a credit freeze on Experian, XXXX, XXXX and XXXX. I made note of the PIN numbers but did not have a PIN number for Experian. My husband and I are refinancing our mortgage and I was able to temporarily unfreeze on XXXX and XXXX. When I tried to unfreeze on Experian both by phone and online, it did not recognize my information. My only recourse is to request by mail, which will take too long and potentially jeopardize the refinance. I was not able to reach a customer service person to help me resolve this. My complaint is that with time sensitive issues like this, the consumer should not have to wait for a mail request to be processed. These companies, which we have no control over, should have a way for customers to reach an actual person. Is there any way for a consumer to opt out of these reporting agencies? Is there any recourse or penalty for this company for not providing appropriate consumer service? Are we simply at the mercy of these companies?
Consumer complaint received 2020-12-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: LOBEL FINANCIAL CORPORATION (CA)

In 2015 I had an auto loan with lobel financial. I got into a car accident and the vehicle was totaled and I didnt have insurance. I was irresponsible young adult Ill admit that. I couldnt afford it that month. Lobel did tack on some type of LDW insurance on top of my car payment for insufficient insurance. Which I recently found out was suppose to cancel my loan in the event of a total loss. 2 weeks later I moved from California to Colorado. I Never heard from lobel again. I just recently was notified of the garnishment on my check. I called lobel asked about the lawsuit and why I wasnt notified, XXXX insurance that they added onto my monthly amount every month for insufficient insurance. The man I spoke with was very rude and said they did a substitute service and a man named XXXX signed the papers they gave him to give me. XXXX XXXX is my cousins girlfriends dad who lived in California while I was in Colorado. ( I dont ever talk to that cousin ever nor his girlfriend or her dad since before I got the auto loan and till this day I still dont. ) The man also said that I didnt have insurance thats why I still owe them. I asked him again about the XXXX insurance that they were adding on monthly. Then he said I didnt pay the XXXX insurance part just my loan balance. ( But then I wouldve been behind on my car payments right? ). Then he said my XXXX claim was denied because they couldnt get ahold of me or find me. So I asked how they served, sued, and obtained a judgement against me if they couldnt find me and he hung up. 5 years have gone by since I was sued and I never knew! They havent tried to contact me in 5 years.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

Dispute # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Filed all disputes and showed proof of refund for them as well dispute denied same day I will be resubmitting my dispute for this as this is ridiculous and I am owed the refund for these transactions and a proper investigation into my claim
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2019 I noticed an unauthorized charge in the amount of {$750.00}. I contacted American Express immediately to inform them the charge was pending and to cancel the transaction. They advised me that once the charge clears I can dispute it. When I put in my dispute I made it very clear that I was a victim of fraud and I did not authorize this transaction. I received an email to submit a Declaration of Fraud form. I completed the form and submitted it via email. They informed me that my dispute was denied.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Good Afternoon. This complaint is regarding report number XXXX that was opened today over the phone by a XXXX or XXXX that I spoke with in the Consumer Finance Department of Experian. XXXX refused to block the XXXX XXXX XXXX that is showing up on my report due to Identity Theft. She stated that my Police Report was not a real report. I called XXXX County Police Department and spoke with an XXXX at XXXX. He stated that my police report is a very real report. He stated that just because it was filed online, doesn't mean anything. He stated that it is just like me coming into the station or an officer coming to my home. He also stated that they are doing all reports of identity theft online or over the phone due to Covid-19 to limit exposure. He also told me that Experian is going against the law by not accepting my report because it is a very real report. He stated that it makes no sense to duplicate the report because again it is a real report. He stated if anyone questions the authenticity of the report they can always call to verify the report number. He told me to consult with an attorney, which I have, and stated that I have options if Experian refuses to cooperate and use the Police Report that I have submitted numerous times. 

I need this issue escalated to a supervisor asap. I have spent so much time on this. It took me calling in, after filing 3 complaints, for this issue to even be looked at and I am not pleased with this issue at all. 

I need the account XXXX XXXX XXXX removed and blocked from my report asap. 

Also, this is a very real report and I am a very real person. I, XXXX XXXX XXXX is filing this complaint. This is a real and legitimate complaint. I called and spoke with XXXX or XXXX this morning XX/XX/2020 and you can pull the call to verify that.
Consumer complaint received 2019-05-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Since our VA XXXX mortgages  were serviced by Carrington Mortgage Services, payment amounts fluctuate month to month. Our auto-pay payments were held 'unapplied ' to our accounts. Meanwhile Carrington charged us fees and report to credit agencies for non payments. Auto-paid payments arrive at Carrington on time every month. When the paid amount does not match their ever-changing new mortgage amount, they hold the money in their account instead of applying to our account. They keep the money, charge us fees for non-payment and report to credit agencies. This is on-going and recurrent affairs to us. We have multiple mortgages with them and other institutions. No other banks conduct business this way. Our experience is not unique. There is a group called 'Carrington Mortgage XXXX ' with hundred of members with same experience. They prey on their customers whom they acquired from other banks such as XXXX. Carrington 's business tactics must be illegal and consumers must be protected.
Consumer complaint received 2019-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original XXXX : 10 XXXX XXXX XXXX XXXX ) XXXX ,
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this company.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Run Solutions, LLC (GA)

This company continues to violate my rights. After I notice they have an invalid account on my credit I notified them and asked for valid verification AND Validation if the account bearing my wet signature, providing proof of their license and being anole to even report a debt. Which they have failed to provide. I explained to them that Ive never signed any contract with them or anyone to sell my information to and any alledged debt should be sent back to original creditor. I asked that any communication is done by mail however they continue to call me on my phone, email and through my business accounts which is accessible by employees.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (WI)

Your Name Your Address City, State, Zip Code CREDIT SYSTEMS INT INC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in XXXX along with your license numbers and Registered Agent or Agent of Service. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Consumer complaint received 2019-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (AL)

on XX/XX/XXXX I wrote to Trident Asset Management to request a Debt validation. I did not hear from them for over 30 days, so I then wrote them again requesting the debt validation. The second time I sent the letter certified mail. Tracking number XXXX. Tracking showed that they received the second letter on XX/XX/XXXX. It has been over 44 days and still no response from Trident Asset. No letter to say that they received my letters, no debt validation, or anything. I have never received anything from them. No letter, email, call, fax, or text to let me know that I had a potential debt with them. I just noticed it on my credit report. This account was placed on my credit report on XX/XX/XXXX, and it is reporting for the sum of {$610.00}.
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect XXXX XXXX to XXXX Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: Birchwood Credit Services, Inc. (DC)

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

i am a member of the Military. I was suddenly XXXX XX/XX/XXXX and did not give me time to call all of my creditors, ... ..Credit Acceptance has reported me late from XX/XX/XXXX until XX/XX/XXXX ... ... I sent them a letter explaining what happened and they did nothing to correct the late payment history reporting ... this is absolute bullshit..i go out to serve our country during a pandemic and this company has the nerve to report all of those late payments and ruin my credit ... .my next step is a complaint to the state attorney general and even to speak to a consumer attorney if this is not corrected.
Consumer complaint received 2019-05-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION (KS)

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, XXXX and XXXX immediately.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I recently challenged the validity of Bankruptcy Account Reference Number XXXX account thats being reported on my recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian that they verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Experian used to verify this account in writing. If such documents can not be produced, Experian needs to DELETE this account from my credit report immediately.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (OH)

On Saturday XX/XX/XXXX I called XXXX XXXX to make a payment for XXXX 's payment as it was due before XX/XX/XXXX on Monday as it would be consider late. The lady said I qualified for a payment deferment and I said great and next payment would be due XX/XX/XXXX. The lady mentioned she completed for XX/XX/XXXX and took payment for the interest. I had ask the lady that if my payment is due on the XXXX would it be considered late. She said no since I did the deferment on the XXXX and took payment for the interest ( which came out of my account on the XXXX ). On the XX/XX/XXXX I received a alert from XXXX XXXX that I was 30 days pass due on my XXXX. I called right away to XXXX XXXX and asked them why this was done. They said they see that the deferment was done on the XXXX but the interest payment was taken out after the due date so it's considered late. They said to dispute with their department and I did but they did not see a dispute???? I asked the lady who made the payment deferment and she assured me since it was done on XX/XX/XXXX it would not ( which I trusted since it was before the date needed to be made ). This is an error on XXXX and customer service rep who seems as they did not know their process on payment deferment. Or I would of just made my payment on XX/XX/XXXX if that was the case. Please remove lates for all three credit reports.