davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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: Lockhart, Morris & Montgomery Inc. (AR)

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B A creditor may not treat a payment on a credit card account understand an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (UT)

I have 2 previous complaints about this company harassing me.

They still will not stop. I contacted an attorney and sent them a cease and desist letter. Im in the process of filing a lawsuit.

It started with emails. I was receiving emails for an account that was not mine. I emailed them back, I filed a complaint here. Im filing the complaint here the company received my phone number and address and have been harassing me and any people who come to my home since. I filed another complaint about this expecting it to stop, it has not. On XX/XX/2023 and agent attempting to serve court papers to a person whom does not live at my address beat on my door so hard that it broke the hinges. My home has become terrifying for me to live in, with the constant threats and harassment. This company will not stop harassment of THE WRONG PERSON. I am now asking for XXXX XXXX as compensation for emotional distress, damage of personal property, defamation of character invasion on privacy, loss of sleep and income. Making my home unsafe for me to occupy as I can no longer lock my dead bolt as they broke my door. Emotional distress and an hourly wage for trying to resolve this, trespassing and refusal to stop.
Consumer complaint received 2023-04-08
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. (NC)

I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors. friends. or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2018 I traded two cars into a dealership that had loans with USAA. The dealership arranged credit for the two new vehicle purchases and obtained a 14 day payoff from USAA. I called USAA that night to cancel my automatic payments on those loans. I was given an effective date on the XXXX and the XX/XX/XXXX for each automatic payment cancellation request and told that I would not be charged. On the XX/XX/XXXX one loan payment in the amount of {$170.00} acct # ( XXXX ) and the following day on the XX/XX/XXXX the second loan payment processed in the amount of {$170.00} acct # ( XXXX ) I contacted USAA on the XXXX to notify them of this issue and was assured that the second payment would not process. I was also assured that they would refund my money as quickly as the following week. 

On the XX/XX/XXXX I called back and was informed that it was a mistake and that I should have called in earlier on the XXXX to cancel the automatic payments ( ACH ) transactions as I was already past the cutoff time for a cancelled payment on the XXXX. They could not explain why the two previous employees informed me that the payments would not process and they did not offer any support in acquiring a refund. 

Over the next week I called several times, provided a detalied verbal statement to three additional customer service represenatives and two managers and was told that the mistake way my fault. 

It took an entire month for the refund to be issued. During that period my existing auto loan was paid in full by the new lenders for the new vehicles I had financed with other lenders and a loan overpayement deposit was made to my account. 

Throughout this error the employees at USAA consistantly gave me wrong or contradictaroy information and finally admitted that a system error caused the initial problem and a processing error delayed the payment of my erroneous loan payment refunds. 

I filed a formal complaint and I recived and apology from USAA. They did not pay any intrest or offer any real support due to this hardship and I was forced to work extra shifts to make up the difference in funds that I did not get for an entire month.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (GA)

On XX/XX/2022, I was approved for auto loan with AmeriCredit. Then on XX/XX/2022, I received a welcome letter in the mail from GM Financial. In the letter it didn't state GM will be servicing my auto loan nor did AmeriCredit inform me that GM will be servicing my auto loan. In the meantime, I had sent GM billing error notice asking them to provide with contract binding, validation of the debt to pay them. I received in the mail account summary, TILA dealer contract, my credit application, and notary documentation that AmeriCredit and GM are one company. They never provided me with right to rescind disclosures. Those are not what I'm asking for and I'm so confuse because one company is in Maryland and the other is in Texas but the notarize shows both address state in the state of Maryland. As a consumer every document is supposed to be clear for the consumer to understand. I have spoken with dealership regarding my contract as to who was my original creditor and the finance manager stated Americredit not GM. I told him I wanted to make sure. I extended my credit to Americredit. I do not want to hear this is like a mortgage loan. A mortgage servicer informs their consumers on this date we will start servicing your loan all payments go here. I recently sent GM a Cease-and-Desist letter to them because they have violated FDCPA and as a federally protected consumer I have the right for GM to provide with the correct information I'm requesting. This company needs to be investigated for their deceptive misleading practices.
Consumer complaint received 2021-12-10
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: General Motors Financial Company, Inc. (MO)

It has beem 10 years that GMFINACIAL reported the account closed and paid and charge off I disputed to remove to XXXX, XXXX, and XXXX. The credit reporting agencies has not removed from my credit report.
Consumer complaint received 2021-06-07
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. (NV)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/2022, I applied for a credit card through Citizens Bank and was denied. application ID # : XXXX. The only reason Citizens bank claims I was denied is due to " NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT '' Citizens Banks claims they received this information from XXXX. However when I pulled a copy of my XXXX credit file I was unable to confirm and Derogatory accounts. 

SO that I may be able to confirm whether I am a victim of possible fraud I am asking for Citizens Bank to please provide me with two ( 2 ) simple answers.

1. What month and year is the most recent Derogatory account they found in my credit file? 
2. How many Derogatory accounts did XXXX report to Citizens banks? 

I would like to believe Citizens bank has an interest to protect consumers there is no reason to deny me this information
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is based on the bank that CREATED the problem by Bank of America transferring my account and balance to a NEW bank ( XXXX  ) that has failed to provide a card, and a way to access my account to pay the bill which was transferred to the new bank. I understand that XXXX is the bank that failed to do its job HOWEVER Bank of America was responsible for doing this without our agreement ( it is a joint credit card ) and putting us at risk. I will be unable to pay my bill because I don't have the card after repeated promises to that effect nor do I have access to the account OR a bill since I can not create an account without a card number and they will not provide the account number over the phone. I am very concerned what this will do to my credit rating. I have excellent credit and am beyond worried about what this will do to my credit. I always pay my bills on time and will suffer consequences out of my control that occurred by the actions of Bank of America. On the next page I will provide the account number of the card I HAD with them but the account no longer exists. I no longer exist.
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (MA)

I am filing a complaint cause I have already notified Paramount Recovery systems on several occasions that the XXXX collections they have in their office they are collecting for Sterling emergency services account XXXX and XXXX I have let them Know and they continue to report account.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) sections state : no consumer reporting agency make any consumer report contenting any of the following items of information any other adverse item of information, other than records of convections of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IL)

I have an checking account with U.S. Bank Account Number XXXX. 
Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX emal XXXX I was informed on XX/XX/2018 that my account XXXX XXXX XXXX XXXX is in an over draft state negative {$570.00} and that On XX/XX/2018 my account will be charged off and closed if it is not brought current. I was informed by XXXX via telephone on XX/XX/2018. 
I had spoken to XXXX XXXX, the U.S. Bank Branch manager of the XXXX U.S. Bank before XXXX and informed her that my bank account had an entity make an unauthorized withdrawal of over {$200.00} un beknowst to me in XXXX. That all of the charges against my account have been made by U.S. Bank as a result of the unauthorized overdraft, through no fault of my own. 
Prior to XXXX  Ms. XXXX promised that she would have my account credited for all of the over draft charges which would bring my account current. Thus far Ms. XXXX has failed to take the necessary remedial action to have all of the U.S. Bank over draft charges removed from my account. 

I am XXXX, a senior citizen, a XXXX person, a protected person as defined by the Americans for Disability Act and need and value my U.S. Bank Checking account which I have had now for several years. 
XXXX, I am requesting that the CFPB contact U.S. Ban k Ms. XXXX XXXX license to work in the Banking industry for her failure to remove all of the U.S. Bank Over drafts from my account as she said she would do.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AR)

Did not receive the terms which were advertised. In 2011, Citibank credit card changed my interest rate service times. I was a Citi XXXX  XXXX MasterCard holder. Citibank did not accurate stick to their own policy. They denied working with me in order to settle the matter, I strongly disagree with the denial. I don't believe the company performed due diligence or even reviewed the appropriate policy terms when evaluating my claim.The credit card was offered to young college students at the location sandwich shop, by applying for the Citibank credit card the students received a free sub-sandwich. Account was garnished and ended up paying over 6,000 in settlement. When the original balance on the card was only XXXX dollars. Citibank told advantage of young college students by discriminating and unfairly targeting students. I recieved no notification of the court order nor was I allowed a chance to plead my case in front of a judge.
Consumer complaint received 2023-08-04
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. (PA)

The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my credit score to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their investigation.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

i tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX points to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I initiated a biweekly payment program with Amerihome Mortgage to pay down interest faster in XXXX of 2020. In doing so this required me to give them access to my bank account. When I received my statements the payments were being deemed 'partial / unapplied ' payments. I called on this in XXXX of 2020, where I was told there was an issue and I was being escalated and a manager would call me back and the issues would be fixed. I was informed on this call that it would take 24-48 hours for a manager to call me and 30 days to fix the issue. After waiting 6 weeks my I received my next statement read the same way 'partial/unapplied payments. ' I called again where I told that Amerihome didn't offer a program where the payments would be applied to pay down the mortgage faster, but a manager would call me back. After no call back I called 5 days later, I was told a different story that it was supposed to be applied, they would fix and a manager would call me back. I finally called and canceled this program, I finally got a call back! It was not a manager it was a customer service rep stating I owed another 1/2 payment prior to XX/XX/XXXX to not fall behind ( again told a manager would call ). On XX/XX/XXXX I made the agreed upon 1/2 payment. At point after having 2 confirmations that my bye weekly payment was canceled Amerihome stole money from account in the amount of a 1/2 payment. I called to complain, the rep said the monies would be returned in 24 hours and a manager would call me back. 3 days later I had another 1/2 payment stolen from my account. I have now called every 2-3 days talking 5 additional people saying I would have my money overnighted back and have within 24 hours and a manager would call back in 24-48 hours. In all, I believe I now have called 11 times, no manager call back, no monies returned to me. This company has no issues in stealing your money and hope you go away. In this time of a panademic, if they are doing to this people without a concern for there well being it is just sad. I could not even speed up their process of getting a call back using the term you, 'stole my money. ' Please help! 
Last 5 people spoken to XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX