davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (FL)

On XX/XX/XXXX a payoff check was mailed from XXXX XXXX to XXXX XXXX to pay off our traded in XXXX XXXX XXXX XXXX. On XXXX XXXX I called them for the status of why I still had a balance listed on their website. I was informed the check had been received but it was XXXX short. I was told that if I paid them that they would backdate the check and it would be taken care of. We are now getting emails about late payments and its now three days away from reporting late on our credit bureau.
Consumer complaint received 2024-10-25
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERVICES ( XXXX ). PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENN CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-06-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

there is still a fraudulent account listed on my credit report. I have disputed this information numerous times and yet this fraudulent account still remains on my credit report. I have submitted the FTC and all supporting documents. This is not fair to me that fraudulent information in on my report
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (GA)

I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated under the Truth in Lending act.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. 

I could have lost my job. 
My boss says personal calls should not come to that number. The voicemail clearly states it is a XXXX XXXX that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.
Consumer complaint received 2021-10-21
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 (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft USDOE/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

14. Identity Theft Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-21
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. (AR)

So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due zero. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My balance of {$15000.00} was set up to automatically be drafted ( ACH ) on the due date of XX/XX/2021. The USAA ( United States Automobile Association ) statement said it was drafted on XX/XX/2021 and a note which said, " Thank you for the payment, {$15000.00}. '' I checked my credit union XXXX  XXXX XXXX XXXX XXXX ( XXXX ). The XXXX statement said the fund of {$15000.00} was drafted to USAA at XXXX XXXX  XX/XX/2021. I tried to charge the remaining balance for our grandkids XXXX trip with AAA, but the charges were denied. I called USAA at around XXXX XXXX  on XX/XX/2021. I went through a maze of phone transfers and speaking which took over 1.5 hours. Finally, I talked with XXXX who consistently talked over me, and she would not let me complete my sentence. She informed me that there was nothing she can do to release the fund payment hold until XX/XX/2021 which is over 7 days. In this high speed electronics age, USAA 's system is antiquated. I believe that this is an unfair business practice. I would like to know if this is a part of federal regulation/statute/CFR/Act or just USAA policy. Thank you. Sincerely, XXXX XXXX
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

I sent a electric bill payment from my account on XXXX for {$110.00} to my mortgage account OnXX/XX/XXXX I received a call from my mortgage company asking me to make a payment. I let them I send a electric payment from my bank on XXXX and they said they do not accept electric payments. I contacted my bank to see what was going and to cancel that payment because I had to payment over the phone. After speaking with my bank I was told that they were unable to cancel or recall the transaction because it was sent as a electric transaction. I let them know that my mortgage company does not accept payments that was and I needed to get my money back. I had to escalate my compliant because the company that it was sent to did not have my payment and was unable to locate because it was sent to a lender who I don't have account with. My bank is telling me that there is nothing they can do to help me get my money back and when I reached out to the company it was sent to they are saying I have to contact my bank and they do not have my transaction. I have exhausted all my actions and have done everything I was asked from both parties and I still don't have a resolution. I really need help with this matter.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P. (FL)

XXXX  XXXX XXXX Account has been reported by multiple Collection Agencies over the years. It had been removed from my credit report ( see attached -- -- ) and recently resurfaced from XXXX under PARAMOUNT RECOVERY as Opened Account XX/XX/2021 which is inaccurate and has reduced my credit score by 48 points! as a result.
Consumer complaint received 2021-10-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

DISPUTED XXXX XXXX THE ACCOUNT WAS DISPUTED AND REMOVED FROM CREDIT REPORT AND IT WAS PUT BACK ON THATS ILLEGAL I WANT THIS TAKEN OFF MY CREDIT REPORT
Consumer complaint received 2021-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (TX)

I applied and received the pay day loan last year around the end-middle of XXXX. I made payments and stayed in contact with my loan officer through it all. My previous loan officer left the company leaving me with someone new. This person does not call, she texts me. She texts me all day asking for a payment, I asked if there was anything I could do to get a pause or anything because of a sudden unemployment in the family that was a loss of {$30000.00} a year and extreme medical problems. I was in debt and bills kept on piling on me. I had a XXXX, was working 2 full time jobs and going to school to provide for my family & taking care of my sister and her child because of a dangerous situation that they were in. I didn't feel like my loan officer needed to know all of this, it was never any of their business but I felt like I had to provide proof that I XXXX  a XXXX  for them to believe that I wasn't just trying to get out of the loan .... My loan officer texted me today, and threatened to take my fianc and I to court. She also discusses my finances loan with me when I have no authorization to be told any of the information, other than being a reference number to call when he doesn't answer. These people are inhumane... I know they have a job but I know that there is a way to also help your customers instead of being insensitive. This loan officer also blamed her supervisor saying they are " on her back '' about my payments.
Consumer complaint received 2021-07-08
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. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America failed to offer me their $ XXXX  monthly fee account until I requested to close my account on XX/XX/XXXX. Bank of America Misinformed me on XX/XX/XXXX when I first called in about this fee saying it was bank error when I could have been advised of the correct reason as to the problem. 

XXXX, I called Bank of America about a monthly fee of {$12.00}. I spoke to XXXX. I advised the rep I had called in previously about this fee and prior rep said it was a bank error and reversed the fee as I was making direct deposits more than the amount required from employer and payactive. Rep was very unhelpful and blamed the fee on me not making enough direct deposits. I requested the rep 's supervisor. I spoke to XXXX. XXXX for the first time advised me that she showed the direct deposit coming in from my employer and the other was coming in as a debit deposit from " XXXX '' which was not considered a direct deposit. I advised her that the rep named XXXX that I spoke to about the same issue on XX/XX/XXXX had advised me it was a bank error as she confirmed the direct deposit from employer and XXXX  were more than the minimum direct deposit required to have a free checking account. I asked to close my account. XXXX then offered me for the first time a checking account with a monthly fee of {$4.00} which I accepted. XXXX however did not reverse the $ XXXX monthly fee charged on XX/XX/XXXX. 

I have had my account with Bank of America for more than 15 years since I was a freshman in college. I have direct deposit coming into this account from one of my employers through the employer itself and XXXX. This account had always been an account with no monthly fee. Many changes had happened with Bank of America over the past year 's and I had always seek an account with no fee with Bank of America. Bank of America never offered me their $ XXXX  monthly fee account until I requested to cancel it. 

I feel Bank of America reps XXXX and XXXX had treated me unfairly and could have resolved this issue regarding the XXXX XXXX monthly fee assessed for the second time based on the misinformation and lack of information provided to be by the rep named XXXX.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

Santander consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate information.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2021-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I went under a forbearance in XXXX  for having a hard time making ends meet in the wake of covid. My mortgage told me this would be the best way to go to help get me back on track and that the amount skipped would be added to the end of my loan the term was three months. At the end of that three months I was still struggling so I requested three more month extension with no issues. At the end of that I was ready to restart my payments I have called in to tell them so. since then which has been a year and a half now my payments are still not restarted I call in all the time with each time being told something different i have to do its never the same thing. I have received modification papers called and ask about them they told me o was under partial claim they was the wrong papers to get rid of the modification papers so I did and I waited a mo XXXX called back to see what was going on was then told I was to wait on modification papers the same papers o that was wrong so I did and then the forbearance had to be extended again. I received modification papers got them noterized right away and sent back still couldnt make a payment called back in was told the papers were under review call back on a couple weeks a couple weeks still cant make a payment call back not in forbearance anymore not under modification the modification papers did not cover the entire time so they were wrong and I had to request an extension of a forbearance again and start the process over so I did and now here o am still cant make payments still not getting any answer that makes sense I het told its under review and the modification is being set up so I have reached out to XXXX XXXX XXXX  thay is now helping me they were able to get a hold of them yesterday and told my partial claim was being set up which just a week before I was told that wasnt an option for me at this point it was just a modification but either one is fine with me I just want to het my house payments started back up and get it back in the right direction so as of now Im waiting 6 days for partial claim papers and in seven days I will see what happens Ive been through this wait on and off for the last six months with no success yet just hoping its taken care of this timer not to mention when I call in the XXXX he recordings about my loan says my Appeal has been reviewed and approved whatever that is and no representative has an explanation for that.in a short version a three month break to make my life easier had turned on to a year and a half of stress, worry and a lot of confusion it has also strained my relationship with my mother whom os a co-signer for me who she said it effected her credit and doesn't agree with me taking the three month break and now look at where it has me on my home my roof over my head. So in fact with how it has gone for me the forbearance has caused more stress and hardship then help.
Consumer complaint received 2022-08-12
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. (NJ)

I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of 2022 because I disputed those accounts again and was just told why it got added back previously as per Experian reps.i was told they will not be doing a reinvestigation into this dispute. Experian told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. 


Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX, XXXX, EXPERIAN have aided this fraud by not properly verifying these accounts. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently immediately.