davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

Over the last several months, I have tried to cancel my account with Experian.com. The last time I called their 1 ( 866 ) number, Iwas informed that my account had been closed. However, they continue drawing {$19.00} from my bank account every month and there is no way to get a human on the line to resolve this problem! 

Very frustrating.
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (LA)

False reportimg on late paymenta to all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all reportimg late payments an is false an i would beg for help removing them from XXXX, XXXX, XXXX
Consumer complaint received 2024-10-31
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc. (IL)

I tried to withdraw XXXX XXXX  from the ATM  using my dasher direct debt card on XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX didn't any money dispense but it was still taken out of my account when I spoke with them they told that the investigation should take 60 days to complete and I won't be able to get my funds back before then I explained that my rent was do and I could not wait for 60 days to get my money back they said that this is a business card and a provisional credit do not apply I told them that this card is protected and falls under the cusumer protection law were a provisional credit is issued to the customer if the investigation is not resolved 10 days, my rent is do tomorrow please help me resolve this before the XX/XX/XXXX or a late fee will be added to my rent and Will go on my credit
Consumer complaint received 2020-02-17
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: Synovus Bank (GA)

In XX/XX/XXXX a collection from 1st progress/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year XXXX and 1st Progress started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but XXXX will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. XXXX is the only credit report showing this unknown debt and each month reports it as a past-due payment.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (MO)

Pro Collect is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe Pro Collect is in my violation of my 30 day right to dispute & feel that account needs to be removed.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

Purchased a plant growing kit from a XXXX marketplace seller called XXXX for {$240.00}. Seller shipped item to an incorrect address. XXXX representatives were able to confirm this verbally. A significant amount of documentation has been provided to XXXX and PayPal providing evidence that the item was shipped incorrectly. Attempted to obtain a refund for {$240.00} on XX/XX/year>. XXXX representatives have repeatedly stated that they are looking into the matter, but have provided no resolution as of XX/XX/year>. I have also attempted to dispute the matter with PayPal, which is the payment service used for the purchase. To make matters worse, PayPal has mishandled the dispute in several ways. They used incorrect information provided by XXXX to make a decision in XXXX  favor. I believe that the XXXX  seller XXXX conducting business on XXXX website committed a type of consumer fraud, where they likely shipped an empty box to a random address ( FYI, XXXX will not provide me with a copy of the shipping label for my order, which is what PayPal insists they need to show that the vendor is at fault, nor will XXXX  provide me with the label since it has someone elses information on it ) knowing that it would be difficult for me to obtain a refund. This suspected dummy box was successfully delivered to some other address in my area, so XXXX is using this as proof of successful delivery. However, the delivery confirmation provided by XXXX shows that this was delivered to the wrong address, and also displays an incorrect delivery zip code. XXXX will not provide with a shipping label as it does not reflect my name and address, and subsequently, I can not obtain a refund via PayPal due to their requirements. I believe this to be a consumer fraud tactic, and can provide extensive email and chat conversations to support the accusation that Im making.
Consumer complaint received 2024-10-29
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: SANTANDER HOLDINGS USA, INC. (MI)

I purchased a new XXXX XXXX XXXX in XXXX of XXXX from a XXXX XXXX. I financed this vehicle through Chrysler Capital. The loan was paid in full in XXXX of XXXX. I have letters stating the vehicle was paid in full however none are signed or notarized. I had tried to sell/transfer the vehicle to my daughter in XXXX and discovered that the secretary of state will not accept the documentation I do have to release the lien on the vehicle. I have called XXXX XXXX several times since then and also paid a fee to XXXX XXXX to get a clean title or signed release of lien letter so that I can remove the lien from the vehicle but have not been able to rectify the situation. The dealer that I purchased the vehicle has changed hands and was unable to help either.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (OH)

Mariner finance XXXX XXXX is still reporting on my report XXXX dollars submitted identity theft reports XX/XX/year>, XX/XX/year>, XX/XX/year> no response. 

XXXX XXXX XXXX XX/XX/year>, XX/XX/year> and XX/XX/year> sunmitted identify theft reports.
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (LA)

Formal Complaint Against Rushmore Loan Management Services Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against Rushmore Loan Management Services regarding their handling of my mortgage loan ( Loan Number : XXXX ) for the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Despite multiple attempts to obtain a payoff statement through various communication channelsincluding phone calls, emails, and escrow communicationsmy requests have been consistently ignored. This refusal to provide the necessary payoff information is not only unethical but may also violate federal laws, including the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ).

As a result of their inaction, I am facing significant financial strain, as I am currently locked into a loan with an interest rate substantially higher than the current market rates. I have been approved for a new loan with an interest rate three points lower ; however, I can not proceed with closing due to Rushmore 's failure to provide the required payoff information.

Their lack of communication and refusal to fulfill my formal requests constitutes a breach of contract and unfair, deceptive practices, effectively holding me hostage in this loan agreement.

I have made formal requests for the payoff information, which have gone unanswered, and I am now seeking your assistance in resolving this matter. I urge the CFPB to investigate this situation and take appropriate action against Rushmore Loan Management Services for their failure to comply with federal regulations and their unethical treatment of borrowers.

Thank you for your attention to this serious matter. I look forward to your prompt response.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Harley Davidson Financial Services Inc (IL)

Harley Davidson Financial. Been paying 8 months on time and they haven't report the loan and payment history to credit report. Called them they say the been reporting it to the credit bureau so it your fault it's not showing.
Consumer complaint received 2024-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

This is in regard to charge off auto loan reported by 5/3rd Bank NA with account number XXXX reporting on my credit report, has falsely been reported to my credit report and credit profile, XXXX of last year i have sent a dispute verification letter asking for verification of the several inaccuracy reporting to my credit report by XXXX, XXXX, and XXXX. I have never received the information I requested in the Verification letter, such as a copy of the original auto loan promissory note, a accurate amount of the funds received from the sell off of the vehicle and also the different dates reporting to the three credit bureaus i mention above and the different open dates reporting on my credit report. i was never counted about this account being charge off nor was I serve a 1099c for the debt written off and charged off by the lender Fifth Third Bank.

i requesting to have this false information remove from my credit report immediately, including all three credit reporting agencies mention above, i have tried several times to contact the original creditor several times to settle this manor but i was told it was in collections, but it clearly shows it has been charged off which is a violation of my rights for not receiving a letter of information and a 1099 because by consumer law charge off debt is consider income. I need this to be removed from my credit report immediately.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

XX/XX/year> Requested a new credit card and balance transfer of close to {$5900.00} with Discover. 

Approved for a credit line of {$2000.00}. 

Called the company to cancel my balance transfer since my credit line was less than the balance transfer request but was notified that they could not do it because it would take 48 hours to get me in the system, but I was notified that I would have two weeks to cancel the balance transfer. 

I did not agree to the terms and conditions on the discover website once I found out that my credit limit was less than the balance transfer request, but my credit card request was processed anyway. 

XX/XX/year> Called to cancel the balance transfer within the two-week window but I was told that the balance transfer was already processing and that it couldn't be canceled. I do not approve of this balance transfer, and I wanted to cancel it.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

This company keeps calling after XXXX pm. Filed a complaint in XXXX after they called at XXXX & XXXX pm in XXXX and tonight called at XXXX pm my time. Never heard anything when I complained in XXXX.
Consumer complaint received 2023-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LJ Ross Associates (MI)

On or around XX/XX/XXXX, I received a call from an L.J. Ross & Associates. At the time of the call, an agent informed me of a debt that was reported to have been mine. 

During this call verification of debt was requested of L.J. Ross & Associates, and I provided my new address as of XX/XX/XXXX, along with my email address to have the verification documents provided to me, as I wanted something documented to ; ( 1 ) .Clearly explain the debt/amount. ( 2 ). Verify that L.J. Ross was a legitimate collections agency before agreeing to repayment/settlement and providing my payment information. 

After months I received another call from L.J Ross & Associates on XX/XX/XXXX, pertaining to this same issue, and I informed the phone assoicate of my prior request of verification document. The associate was again provided with my physical.mailing address and email address and she infomred me that the information had not been entered in there system previously? 

On XX/XX/XXXX, I received an emailed alert from my Credit Union informing me that that there had been a change to my report that could have a negative impact on my credit score, so I logged in to the credit monitoring app to find that L.J.Ross and Associates placed a collections on my report. 

On XX/XX/XXXX, I contacted L.J.Ross and Associates with the contact information listed on the collection entry of my credit report and ultimately requested to speak with a supervisor because the associate that I was connected to was very rude and unprofessional. Upon being connected to a supervisor the communication worstened and the supervisor ignored my concern that the agency did not follow the law and provide me with some documentation that confirmed this debt and confirmed that the attempt to collect my payment information were all legit, he just bantered with me and there no no resolve met with this agency in explaing how/why they placed a collections on my report. 

On XX/XX/XXXX, I received a verification of debt and a letter verifying collections from L. J Ross & Associate, after they failed to negatively impacted my credit and failed to uphold consumer reporting laws.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (VA)

GOOD MORNING THIS IS MY XXXX TIME PUTTING IN THIS APPLACATION FOR A CREDIT CARD AND KEEP GETTING DENIED. DUE TO 15 USC 1691 AND 12 CFR 1002 STATES THAT YOU CANT BE DENIED CREDIT DUE TO CREDIT SCORE OR CREDIT HISTORY OR INCOME. ANYONE ADVERSE ACTIONS IN A CONSUMER CREDIT TRANSACTION IS ILLEGAL. ALSO I WOULD LIKE A LIST OF ALL THE FACTORS THAT WAS INVOLVED IN THIS CONSUMER TRANSACTION.
Consumer complaint received 2020-02-17
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. (CA)

us dept of ed/XXXX is a negative account, account no XXXX .... appearing, wrongfully with damage to my credit rating on experian and transunion accts. 
The famously wrongdoing creditor was cited recently in the news as one of their chief executives quit because he couldn't stand the chaos.He said we get over 500000 requests for credit correction per month.They are not being investigated but verified without any investigation on the part of the creditor.This executive was 2nd or 3rd in power to XXXX, the presidents new appointee to head the DEPT OF EDUCATION. 

ON MY ACCOUNT THE FINAL PAYMENT WAS MADE BY ME ON XX/XX/XXXX

I NEVER MADE A SINGLE PAYMENT AFTERWARDS, THE DATE OF FIRST DELINQUENCY IS XX/XX/XXXX LEADING TO CLOSURE/TRANSFER.THIS ACCOUNT ACCORDING TO CURRENT CREDIT LAW OF CALIFORNIA SHOULD HAVE BEEN DELETED NO LATER THAN XX/XX/XXXX.YET BOTH BUREAUS CONTINUE TO REPORT WITH THEIR INACCURATE PAYMENT HISTORIES AND ILLEGAL DAMAGING REPORTING, QUITE GRAVELY SO WITH STATUTORY DAMAGES ACCORDING TO THE FCRA
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Reporting of UCC-1 Financing Statement Follow-up to CFPB Complaint Dear XXXX Representative, I am writing in response to your recent communication regarding my dispute, where it was noted that the UCC-1 Financing Statement I submitted is not currently reporting on my XXXX credit file. 

To clarify, this UCC-1 Financing Statement is a public record filed with the California Secretary of State under filing number XXXX, and as such, it should be accurately reported on my credit file. This is not related to a trade line or any traditional credit account, but a public filing that reflects a lien on collateral under the Uniform Commercial Code. Public records such as UCC filings are essential components of a complete credit report and should be included to provide an accurate financial profile.

I have attached the following documents again for your reference and action : 1. Initial UCC-1 Financing Statement filed on XX/XX/XXXX. 


2. Restated collateral filings on XX/XX/XXXX and XX/XX/XXXX. 


XXXX. Termination and additional collateral filings from XX/XX/XXXX. 



This information must be accurately reported as part of my credit history, and I respectfully request that you correct the omission and update my credit file immediately to reflect this public record. 

Please confirm once this action has been completed or provide a detailed explanation of any further steps required. Additionally, I request a copy of the revised credit report once the update has been made. 

I trust that XXXX will ensure the complete and accurate reporting of my public records, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : XXXX Financing Statement ( Initial Filing and Amendments ) -- -
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Checking account closed in XX/XX/year> by Citibank fraud department without any notice. When I called to check what would happen with my funds deposited from the social security I was told a a check would be sent to me via mail. I have called continuously since XX/XX/year> and have updated my mailing address with Citibank. But I still have not received my check. I am a XXXX XXXX XXXX and depend solely on my income from XXXX XXXX. I dont know how else to request this check from Citibank and have decided to request assistance from CFPB with this matter.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

tonight ( XX/XX/20 ) I called Equifax at XXXX to unfreeze my credit file. 
Since my credit is now unfrozen, I asked them about the status of the free credit monitoring services I was supposed to get as a result of the Equifax breach ( I choose that instead of money ). 
The 1st person ( who unfroze my credit ) didn't even know Equifax had ever been hacked. The supervisor he sent me to, tried to sell me a policy for {$13.00} and when I tried to explain that I was inquiring about the FREE service that was promised to me because my credit was accessed during the breach, he said that was handled by a Court Administrator and Equifax knew nothing about it!! I then was sent to another supervisor who said his name was XXXX ( and wouldn't give me more than that because he claimed it was Equifax 's security policy ). He told me the same thing the other supervisor did ( it sounded like the same person ). He told me to call XXXX XXXX XXXX or XXXX. XXXX. 

WHY am I getting a run around from Equifax now that my credit is unfrozen, and how can I find out what protection I have in the form of the free premier credit monitoring package I was promised after my information was compromised during the breach. What on earth are they doing over there!!!!
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

HI, i have summited stolen identity report before but still affected my credit but in the grace of God i was able to buy my house here in XXXX ill and now im applying for a very good job career and i dont want this to affect me, they were many companies charging me for credit cards also light bills, gas bills and phone bills in other states, ic systems was the last one i remember and the amounts were many too, XXXX {$500.00} , XXXX $ and other amounts, i hope this doesnt affect me in continuing my dream career as a public servant with one of the most respectful federal companies in the world. thanks.
Consumer complaint received 2020-01-25
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

This just appeared on my credit report ( collection ) as in XXXX XXXX XXXX with a debt of {$1700.00} of open balance, nothing else, I havent received any type of notification about this and I have no idea what is this about. No phone calls, no mail, nothing from this agency.