davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (IN)

Over the past several days, a company has called myself, members of my family, and has threatened to call my employer MULTIPLE TIMES. I have no idea who this company is and what the matter is. The last voicemail I received was from XXXX who did not state she was with any particular company, and only gave me her telephone number of ( XXXX ) XXXX and a file number XXXX. 

I googled the telephone number and it matched with Atlantic Recovery Solutions. I called and the first person who answered was silent and then hung up the phone. I called back and it went straight to XXXX XXXX voicemail, but nothing that states I was calling Atlantic Recovery Solutions. There is no " thank you for calling ... '' message. It appears to go directly to someone's personal cell phone. 

I am extremely concerned for two reasons : 1 ) That this may be a scam to get me to pay a bogus collection, and 2 ) That they are harassing me, members of my family ( I have no idea how they have their telephone numbers ), and have already threatened to contact my employer.
Consumer complaint received 2022-05-18
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. (MA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-08
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: Yamaha Motor Finance Corporation USA (TX)

InXX/XX/XXXX, I paid off a boat loan that originated with XXXX XXXX, but taken over by Yamaha Motor Finance in  XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX showing that the loan had been paid off and the account was closed. I still had not received the title as of that time. I had contacted Yamaha Customer Service in XXXX after I received confirmation that the money I sent to pay off the loan had cleared my bank. I asked how I could expect before I received the title and was told 30-45 days. When I still had not received the title by XXXX, I contacted Yamaha again and spoke to a supervisor. He told me that he had placed another request in to the department that takes care of titles to see where it was and why it was taking so long. I waited the allotted time that the supervisor told me to wait and still no title, no phone call or no email. I called Customer Service again and asked to speak to the same supervisor. He was there and told me that the only thing he could do was place another requisition to the collateral department and told me that he would absolutely contact me back with 24-48 hours to give me an update. He also informed me that the only way he could converse to the collateral department was through company email, that he could not call them directly. I waited four days and no return call or information. I began researching online for Yamaha Motor financing and was able to locate an email address for the collateral department. I gave them all the pertinent information about my account and the problem I was having with the title. As of today, I still have had no call back, no notification, no outreach or comment from Yamaha or their collateral department. It has been four months now since this process began and no email or contact from Yamaha. The sale of this boat to an individual is pending the delivery of the title. I am already very displeased with the service I am receiving from the company. If the gentleman backs out of the purchase of my boat, I will be extremely upset as it will intensify my already struggling financial situation. I am unable to attach a copy of the email sent to the collateral department, as well as the email I received from XXXX XXXX. I can inform you that the email from me to the collateral department was made XX/XX/2020 and the email from XXXX XXXX showing the account had be closed was received by me on XX/XX/2020.
Consumer complaint received 2021-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've submitted many complaints against the credit bureaus. THey have not been sticking to the 60 day investigation time-frame investigation put fourth by the CFPB. Each complaint they respond that they will notify me in 60 days, to this date i have received no results into the 9 complaints I have filed. I am filling again. I have attached both my 609 letter disputing the inaccuracies. as well as my demand to comply letter written by my attorney. We will be filing a lawsuit against all 3 companies, if the results of this complaint are not satisfactory.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I paid the balance on my CARE CREDIT account of {$38.00}. 
On XX/XX/XXXX I was informed that they have closed my account. 
I called and spoke to a Representative then to a Manager about the Closing of my account. Both told me that their electronic system periodically checks the credit status of the accounts. My account was deemed unfit, so it was closed. I explained that I have had this account for the past 4 years and have always paid my bill. I do admit that I had missed a payment but always paid the following month due to financial situations. I explained that I only use this card for my dog 's Vet bills. 
This action also has affected my Credit Score which I am trying to repair after some difficult years financially. 
I was told there is nothing that I could do to reinstate my account.
Consumer complaint received 2020-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I made two payments on my loan. The first payment was due on XX/XX/XXXX. I made the payment on XX/XX/XXXX. The payment amount that was due was {$170.00}. I made a payment of {$350.00}, of which, I was told, {$190.00} was applied towards the interest. I made a subsequent payment on XX/XX/XXXX, in the amount of {$170.00}, just four days later. 
When I checked the balance on the loan today, I noticed that my balance was still very high after paying {$520.00}. I contacted CashNetUSA to inquire as to why my balance was so high after making early payments on the loan. They told me that most of the payments were applied to my next interest payment. 

I explained that I did not want to pay interest before it had accrued and that any additional payments made prior to my next due date, I would want applied towards the principle balance-obviously. 

They told me that I could not make early principle only payments-that I had to make additional payments when my loan payment was due. However, that would defeat the purpose of paying additional payments prior to the due date because if I have to wait to make principle only payments, due to the high interest on the loan, I would not be in a good position to pay the loan off early. Furthermore, they were unable to tell me how much interest had accrued since my last payment. 

Someone needs to explain to me how they are able to steal from customers who do not mind paying high interest rates on a short term loan, but who wish to make additional principle only payments to pay the loan off early. How can I pay it off early if they are taking all of my extra payments and applying them to the interest, that has not accrued yet??? 

I simply want all additional payments made, applied to the principle balance of the loan. I also want someone to explain to me in plain English how I can make two payments totaling, {$520.00} pithing a four day time period, and less than {$300.00} is applied towards my principle balance.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This letter serves as my final notice regarding your agencys ongoing failure to comply with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report ; however, your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations : Failure to valida

te the debt as required under 15 U.S.C. 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, in violation of 15 U.S.C. 1692c ( Section 805 ( c ) ).

Harassment under 15 U.S.C. 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, yet the disputed accounts remain on my credit report. These accounts are not only inaccurate but also unauthorized by me. No valid contract exists, and I have never provided written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

ERC is reporting an account from XXXX that is fraud. I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION (NV)

My complaint is against Nevada State Bank. 

When a costumer have problem with his/her credit or debit card at certain time of the day, he/she is unable to get help from costumer service calling to the XXXX or XXXX line provided for the same bank provides in those cases. They just limit to say " Please call on regular hours, the department is closed!!!! It is incredible and doesn't make sense at all!!! 

It have happened to me several times because I usually consult my account in the evenings. The times it has happened I have been even when I have written my ID and password correctly, but my account HAD BEEN LOCK! Then, when I have tried to reach someone in costumer service to help me with the matter, like others banks do, the representative always says " you have to call in regulars hours because I did not have access t the account ''. The service is really awful! 

The last time that my account was locked was on XX/XX/2022 about XXXX XXXX XXXX time. I was thinking that the worst is that it could happen in a holiday like XXXX XXXX or a weekend that the bank do not work, it means that Nevada State Bank XXXX clients would have to be with their accounts Lock just because Nevada State Banks REFUSES to hire more representatives to help their clients as suppose to on evenings. It shows that XXXX XXXX is very poor and INCOMPETENT!!! 

I think this matter deserves attention to be corrected & this institution must takes care about ASAP, because it is very wrong and it represents an unfair business practice. 

Thank you very much
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NC)

I have a Comenity Master card. I originally applied to Wayfair and the company change the Wayfair card to a Master card a few months later. As of the 2021 I am charged 2 interest rates one for the Wayfair purchases and one for the Comenity purchase I did not receive any notification of the double interest. This doesnt seem legal, per the customer service rep the payments are split in half.. I asked if I could receive a separate bill for the 2 charges I would like to pay the Wayfair charge off ASAP I was told I can only make additional payments..on my last statement XX/XX/2021 my interest was {$89.00} my balance is XXXX Again this doesnt seem legal
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (NJ)

My parents have been receiving a call repeatedly from XXXX. They weren't answering it, because they usually are wary of picking up the phone for unknown callers. My mom picked it up just the other day to see if it was important and to see why they kept calling. The woman on the phone said she wanted to speak to me ( I have gotten married in the last year, and I am no longer living with my parents ). My mom asked why she wanted to speak to me, and the woman just said, " It's a private, personal matter. '' She didn't say anything else. My mom said I wasn't available, and then the woman hung up. My mom told me, so I looked up the number, and it is associated with the National Recovery Agency, a debt collection agency. My husband and I are on top of our finances, have excellent credit scores, and we have paid off my student loans and our car loans. We pay our bills and our mortgage on time, so I have no outstanding debt. These calls sound like an attempt to get money out of me that I do not owe.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The Superior Court of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-07-14
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX Accounts below have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions - XXXX XXXXXXXX Account # XXXX XXXX  XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX  XX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX  XXXX XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXX  Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

In late 2020 I set up a my.equifax.com account and in the beginning all my accounts would be there to view, but shortly after opening the account all of my accounts vanished. I reported to them more than 10 times. They will not connect me to a tech support so I am having to deal with the inexperience of the people who answer the phones. Most do not even understand the subject of the call, I have to constantly ask for supervisors then they take my report and all end with nothing being done to correct this and every call ends with they will escalate this to tech support and this repeats every time I call them. I have been hung up on when asking for a supervisor, I have been told to delete my account wait 6 months then sign back up. Yes... wait 6 months but I did it because when AI deleted it i was never going to open it again. But out of bordom I signed back up and signed in and still the same issue. No accounts appear. However if I want to see that I have accounts I can click on file a dispute and there they are, all my accounts will show there but they dont show all the info in that account. For example and this is huge... read carefully...

Credit accounts You have 1 account items that may negatively impact your credit scores...

When I click on that link to see what that negative info is, it says on that page " You currently do not have this type of account. '' It should have named the negative account. So this is a problem. I dont know if this is identity theft since no information is showing. Just the statement that there is a negative in my report is not good enough for me to identify the account. 

So for almost 2 yrs I can't get anyone at equifax to take this seriously. Maybe this complaint will change their mind. But if the CFPB does nothing but collect reports then it will likely just go ignored like it has after more then 10 calls.

I have also been told to get my credit report sent in the mail. I dont want to wait weeks to get a report. I want them to fix my account on my.equifax.com but as of today its all the same. No accounts appear on the credit summery and the ones in the dispute part do not show all the info in it. Also my credit score on the account is missing. 

The email address on the account is XXXX and because I always have trouble even signing in I ended up with a second account that has the same issue XXXX XXXX
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX  XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.
Consumer complaint received 2022-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (FL)

i received this email from speedycash claiming i took out payday loan with this company which is lie. if taken this loan there would be evidence of loan being deposited into my account no record because never took. XXXX XXXX XXXX is the person who sent me email
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I applied for a mortgage with Bank Of America. They were doing underwriting. Ten days before closing, they requested me to switch the property 's occupancy from primary to investment so that Bank of America could raise the interest rate and fee. I provided them with the fact that I have to live on that property as my primary home because my current home will be given to my older brothers, my parents, and my grandma to live. My family will relocate to America soon, and they will have nowhere to stay, but the Bank of America has forced me to change the facts because they know that the seller will not extend the closing date for me to look for a different lender. Bank of America has placed us in a situation where we have no other option. I would like to request the CFBP to investigate bank of America, as they have been using this tactic to exploit mortgagees.
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX  XXXX {$820.00} DTEDXXXX XXXX {$820.00}