davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (MS)

In the month of XXXX I requested a copy of my loan closing documents by phone. I am trying to obtain the Note ( 4 pages ) to provide to the company I am refinancing with. Village Capital has not provided these documents to me as of today. I just made a second request online today.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

This account is not accurate CONVERGENT OUTSOURCING # XXXX. My bill was PAID IN FULL XX/XX/2021 directly to XXXX XXXX. I do not have any contracts with CONVERGENT OUTSOURCING. This account has no business being on my credit file.
Consumer complaint received 2022-02-11
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. (PA)

There is a account reporting as XXXX XXXX XXXX XXXX on my credit report. I am NOT responsible for this account. I have reached out to transunion on multiple occasionally asking them to investigate and send me the finding of the investigation. They have failed to do so. There is already a fraud alert on my credit report.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This debt is not mine. However I have received a collection on my credit report about the debt and the collection company has now reached out to me. I tried to dispute with the creditor, but the debt is now sent to the collections agency who notified my on XX/XX/2021 about the debt.
Consumer complaint received 2021-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (ID)

I looked on my credit report and it shows that I have a collections account with speedy cash from a XXXX $ loan that I know for a fact I never received nor applied for. I have absolutely no knowledge of this account with them. I dont know any information as to where this amount was deposited into what banking account, I have no records nor do I have any mail or emails from speedycash with a loan agreement or any communications in the mail. I have not received any phone calls from this company about this loan either. It shows the loan was opened on XX/XX/2019. As I stated above I know absolutely nothing about this account with speedy cash. I have filed an identity theft report with my local police department.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

They disable my account the XXXX of XXXX, And their is no way to get back to them, because the answer in the email is from a robot, and They send me to auto support service and that does not work, because it does not allow me to enable my account. 

this is what they send to me, the " Hello, Thank you for contacting Coinbase. As Coinbase experiments with expanding into more markets, there will be varying levels of support provided. Initially, Coinbase will only offer self-help customer support " I need to recover the money that I have in the account is {$300.00}
Consumer complaint received 2021-09-13
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: Experian Information Solutions Inc. (CA)

Experian reports as negative information ( showing late payment ) the date of the filing of my bankruptcy. 

The creditor is XXXX XXXX XXXX XXXX XXXX ( XXXX ) with three accounts, auto loan, and personal loans. 

I disputed the late payments of all the accounts of XXXX. They corrected or not disputed my statement of never being late. 

Experian shows both, payments current in the month of XX/XX/XXXX ( the month of my bankruptcy filing ) and in red as negative. 

On XX/XX/XXXX at XXXX XXXX  I spoke to an Experian employee ( she refused to give me her name ) and said angrily that it would be corrected by the end of XXXX. It has not happened as of today. 

The Student loans information reporting is being mishandled by the previous holder, XXXX, the present holder, XXXX XXXX XXXX ( both under the umbrella of the US Department of Education, and Experian. What they show, is incorrect.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America branch on XXXX XXXX in XXXX XXXX has remodeled its branch to include seven office cubicles and only one teller window. I was told by the branch employee that they no longer need tellers for people as you can do all your banking on-line. Meanwhile, the office cubicles are empty - no one in them, and the line is forming in the bank. I said that I felt this was inconsiderate to the average bank goer to be made to wait for services in the bank because there are no employees to help or an infrastructure to support the needs of the community. I was also told that I could not get coinage due to the shortage of coins and to complain to the Federal reserve about this. I asked what the plan was to remedy the coinage problem and I did not get an answer- instead I was told to complain to the Federal reserve . I understand Covid has created many issues for all of us, but service continue in hospitals, police and fire stations, schools etc .... why are the banks not supporting the needs of the community. Every neighborhood should have at least one full service bank branch. Our bank branch has turned into basically a glorified ATM. Please let me know what you can do about this problem. It seems that all I get is run around about this issue.

Thanks
Consumer complaint received 2022-02-11
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. (TN)

I called all three bureaus. And I did the dispute process. They acknowledge that XXXX reported the debt was sold to another company and therefore XXXX DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a zero balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
Consumer complaint received 2022-02-11
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. (WI)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BK OF AMER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CA)

ACCOUNT LOCKED WITH APPLE CARD GOLDMAN SACHS I have been contacting Apple Card Support for 10 days regarding my card account being locked. They keep mentioning that it's for some safety and security reasons, but I'm waiting for outbound calls that haven't come. One was with technical difficulties where i couldn't hear anyone, the other was outside of the hours of availability I gave them.

I keep contacting support who says that someone will call me, but it's the same answer every single day, either through the Apple Support messages or over the phone. They've notated my account, but I have not received the call. 

It's unfair that I have to wait this long without a deeper answer. I still have a balance and line, I am still ME, and Apple Support can't even be bothered to call me.
Consumer complaint received 2021-01-18
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. (TX)

I notified the bureaus that the information that is being reported is not only inaccurate but also a violation of my federally protected rights as a consumer and they continue to report the information continuing to cause irreversible damage to my reputation as well as causing financial harm to me as a consumer.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (GA)

I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested and not the inquires.
Consumer complaint received 2022-02-11
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (CA)

they have reported that i have been funded since XX/XX/XXXX to the XXXX - i have not. 
i also applied for XXXX loans not XXXX they only have me listed for XXXX. 


i have a string of mails of trying to reach them no on calls me back or answer the emails from their company they have not given me the {$42000.00} in XXXX disbursements as of this date
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I received my morgage statement for XX/XX/2019. I paid the amount shown in full. They casged my check on XX/XX/XXXX. On XX/XX/XXXX I received a notice of late payment plus added late fee. I called and was told the original mortgage bill was in error and that they had sent me an escrow statement and it had my correct mortgage amount on the back. Nowhere on the statement was there anything saying it was a bill. They did not send a bill saying the made a mistake and I owed more money. Instead they send the notice of not receiving any payment at all and I have to pay a late fee and i will be reported to the credit bureau. They refused to delete the late fee. Under duress I paid it. I feel I am owed an apology and a refund of the late fee.
Consumer complaint received 2022-02-11
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. (TX)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX, XXXX, AND EQUIFAX are doing identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # :XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX EQUIFAXXXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX PLEASE DELETE
Consumer complaint received 2024-09-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (FL)

American Credit Acceptance Account No. XXXX XXXX XXXX XXXX XXXX XXXX My vehicle ( described above ) was recently repossessed from my home in XXXX, Florida, on XX/XX/XXXX, and taken to a location in XXXX XXXX. Im contacted Credit Acceptance and was advised that if she made all payments on or before XX/XX/XXXX, im could go and retrieve my vehicle in XXXX XXXX. On XX/XX/XXXX, six ( 6 ) days before the deadline, i made all payments owed and due to Credit acceptance. After me made the payments, i contacted Credit Acceptance to schedule the pickup of my vehicle. I was then advised that the vehicle was sent to XXXX, Florida, 4 hours away from my home. 
It is obvious that properly reinstated my loan. It is also obvious that the transfer of the vehicle to XXXX after promising to keep the vehicle in XXXX XXXX until XX/XX/XXXXh was improper and violates the FDCPA. 
I have a XXXX year old son with XXXX XXXX XXXX, my husband is a XXXX and he is not home right now. It is very hard for me with a XXXX XXXX without a car. I can't go to XXXX to get my car.
Consumer complaint received 2022-02-11
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. (TX)

XXXX XXXX XXXX and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
Consumer complaint received 2021-01-18
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: Experian Information Solutions Inc. (GA)

I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested but did not address the inquires.
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MCMC Auto LTD (TX)

I had co-signed for an ex to purchase a vehicle from MCMC in XXXX XXXX, TX. We ended our relationship soon after. She let the vehicle go into repossession. The company failed to notify me of the repossession to at least give me the opportunity to assume the loan and they never contacted me with notice of collection or intent to report to the bureaus. I contacted the company some time ago and they said they would remove the account from my credit report if I were to dispute. I have disputed and they changed the status from " Involuntary Repossession '' to " Voluntary ''. I have contacted the company SEVERAL times in the past weeks and now can not get passed an account representative. I have left several voicemails with what I am told is a supervisor but I have never received a call back.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.