davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (GA)

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my Equifax, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (VA)

I was contacted on or around XXXX about potential fraud charges on my Barclay 's XXXX XXXX. At that time, I confirmed that two charges were in fact fraud. The representative stated that they would close the account, submit a fraud claim, and send me new cards. About a week later I was looking at my account ( since I had not received my cards ) and noticed additional fraud charges that posted within a day or so of the first set of fraud charges ( the additional charges total {$680.00} ). The charges are : XX/XX/XXXX : XXXX XXXXXXXX NY {$98.00} XX/XX/XXXX : XXXX XXXX NY {$160.00} XX/XX/XXXX XXXX XXXX NY {$32.00} XX/XX/XXXX XXXX XXXX NY {$44.00} XX/XX/XXXX XXXX XXXX NY {$34.00} XX/XX/XXXX XXXX XXXX XXXX FL {$310.00} I called Barclay 's and they took another fraud report and we walked through each charge that was fraud. The agent then said that they needed to close this second account and send me new cards. I frankly did not understand why this would be, as the fraud charges just appeared to have posted late. But the representative insisted that someone must have stolen my new cards. On XX/XX/XXXX Barclay 's sent me a letter saying that the charges were confirmed as fraud ( it didn't specify which charges ). By XX/XX/XXXX I received some new cards ( the cards from the first lost / stolen report ), I had not received the cards from the newest account, and the fraud charges that total {$680.00} were still on my account, with no credit issued. After an hour on the phone their was no resolution. The initial agent could not help me, besides reading me the letter, and transferred me to another agent in fraud who said they were the wrong fraud group. That agent told me I have to call back another number ( the right fraud group ), but they were only there from XXXX XXXX - XXXX XXXX., XXXX  through XXXX. He did say I should give the credits 10 - 15 days to post. Today, XXXX I called again as the charges STILL have not been removed and I STILL have not received the right new cards. It is now almost a month since I've had an account I could use and I'm being told I have to make a payment for a balance that includes the fraud charges. After being on the phone for quite a while and being put on hold about three times, I was told that the new cards must have been lost and they have to AGAIN shut down the card and send me another new set of cards. And, by the way, they don't know what's going on with the fraud claim. When processing the new cards, I was told that the system is down and I should call back in 24 - 48 hours. This is ridiculous. I should not have to jump through these hoops to get a fraud claim taken care of, I should not be held responsible for these charges, and I should not have my account effectively being unavailable for an extended timeframe without proper notice.
Consumer complaint received 2020-05-14
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: CITIBANK, N.A. (CA)

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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. 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 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2018, Midland Funding released trying to collect a false debt through legal action. The debt would not be pursued or sold and they were supposed to remove it completely from my credit file but as of this date, it still remains and it still reporting monthly that I owe them money. Midland Funding is still reporting monthly on my XXXX  and XXXX  credit reports and is in violation of our legal agreement.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

PNC recently changed their policy to not allow it's users to link their accounts or debit cards to third parties, thus denying access to my money that they are holding. This is illegal and needs to stop. I was told by my investment company PNC no longer allows me to link my account with them so I can not automatically deposit funds.
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (NY)

I purchased the first vehicle from CARVANA LLC on or about XX/XX/2019 they sent me a 2015 XXXX Terrain when it arrived the gas tank would not fill up all the way. The battery would continuously die on startup. I had them replace it with their 7 day return policy. They then sent me a 2015 XXXX XXXX when I took it in for an oil change a severe oil leak was found. XXXX of XXXX NY found a bad O ring around the oil pan drain plug. Numerous dirty filters as well. I paid over {$200.00} which carvana claimed they would cover {$150.00} of. Now the car has become a serious safety risk after just having the used vehicle for just over 69 days. 
The vehicle refuses to accelerate upon entering the highway causing severe safety problems. 
The traction control light remains on affecting the breaking system The break lights remain on after turning the vehicle off. 

During purchase of the vehicle I was NOT offered an extended warranty after contacting Carvana LLC numerous times about these safety issue they had stated since I was outside of their XXXX  ( 100 day or 4189 mile ) warranty I was on my own. The supervisor XXXX did not and would not assist me. 

I would beg and plead for anyone reading this report to NOT purchase a vehicle from CARVANA LLC as their QC process is an absolute disgrace. Now I have to take the vehicle back to the mechanic and I was told it is most likely not covered under a power train warranty. This company has basically sold me 2 lemons and refused to assist me with this latest issue. I would advise anyone looking to purchase a used vehicle to go elsewhere as CARVANA LLC does NOT stand by it's customers even after just under 60 days!
Consumer complaint received 2020-05-14
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. (WA)

Trans Union docked my credit score by XXXX points, about XXXX percent, even though my debt went down, all accounts were in good standing and my balances were lower than the prior months. I have a copy of my report attesting to this. 

I did a mortgage refinance and advance prepayment last month that dropped the money owed on my home from $ XXXX to $ XXXX. They told me over the phone that closing one account and opening another " can lead to your score being lower. '' Sure, but by that amount is ridiculous. 

I also asked two agents why my wife had her score go up significantly despite being a co-borrower with me on both mortgages. They could not answer that, which is unacceptable as it offers no accountability for a score that appears randomly plucked from thin air. Docking the score by that much is abusive, given the context. There is no reason I should be considered a higher credit risk for taking steps to lower debt. This is why the credit reporting agencies are considered a racket in this country and should be dealt with. 

The agents told me there is no way to obtain a written explanation for the drop. What I want is some written accountability behind their reasoning so I can take this to the proper channels and seek legal remedies if needed. They have to be accountable for their scores.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (AZ)

About 2017 I lost everything including my job. I was in the hospital for months. Due to my sickness, I was unable to work months after I got out of the hospital. These companies which I had no relationship start calling and harassing me. They sometimes would call and ask for me and would not make it known who they were.
Consumer complaint received 2022-07-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX was updated as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXX Account ID : XXXX Confirmation Number : XXXX
Consumer complaint received 2020-05-13
Product: Credit card or prepaid 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: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I made a charge {$10000.00} on my Fith Third Bank card. Then again on XX/XX/XXXX a charge of {$5000.00} totally {$15000.00}. I made the purchases with XXXX with the understanding that if i did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 

Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted XXXX XXXX customer service no less than 4 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where a dispute case was opened. The requested information and additional information supporting my situation was submitted via mail. I recieved two letters via postal mail dated XX/XX/XXXX requesting more information and another dated XX/XX/XXXX a denial to the resolution. I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. She asked for additional information to be sent. I emailed and mailed the requested information again. On XX/XX/XXXX another denial letter was sent. AS it turns out, more information was needed. Fith Third will deny and close the case immediately after sending a letter for further infomation and will only reopen the case if the consumer calls in to find out why? 
My call to Fifth Third to the second denial was on XX/XX/XXXX. I spoke with XXXX who connected me with XXXX in the Denial Department. XXXX said yet again, more information was needed. I asked how would I have know further information was needed if it's not on the letter? Her reply was " You don't. You will have to call in and ask. '' This company made the disputing process very difficult for the consumer as they only correspond via USPS. Plus the constant " false '' denial letters are distressing as that may be thier goal. Whatever thier culture is, it is not to be on the consumer 's side. I still have yet to hear back.
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC (VA)

This is the second time this has happened to me last year this same situation costed me getting my first home and now I owe thousands to my credit card because of the timing in which it happened to me.. mirmad revenue group keeps attempting to collect debts that I allegedly owe to XXXX XXXX hospital now I have spoken with my very doctor that the bill were presumably owed to he does not understand either .... I have two insurances one being XXXX as well for being XXXX ... I have been waiting for him XXXX XXXX XXXX to update my insurance for months they never have reviewed this at all I was never forwarded of this debt owed either. I moved on XX/XX/2020 this stated my first insurance did not take. Because they had outdated information at the time but just like the last time this happened I had a pending verification statues of the insurance data that I had placed into there XXXX software.. I just dont logically see how I could be liable for something that is not my error..
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NV)

My account with US Bank Home Mortgage is in the foreclosure process, so I made the decision to sell my home before the process can be completed. XXXX XXXX XXXX XXXX sent a payoff demand request on XX/XX/XXXX and US Bank has given me the run around stating they have no record showing such request, but the attorney 's office is telling me that they have the request and are waiting on the numbers from US Bank. It is now XX/XX/2020 and they have not completed anything, which has been in their hands for 2 weeks now. I was also informed by US Bank that this could take up to two additional weeks to completed which is past the contract date of XX/XX/XXXX. I'm trying to get the bank paid off in full and no one has completed the request to get this completed.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

1 - My mortgage was sold by XXXX XXXX to Rushmore Loan Management Services XX/XX/2020. Two months ago I was able to create an account, sign in, make payments etc. Since then every time I try to log in their system fails to recognize the correctly entered log in and password. I've gone through the password reset process 3 times in the last 3 weeks and each time their system is unable to let me into my account. 
Issue - their website is trash, won't let user log in, unable to access their accounts. 

2. Since my mortgage was purchased by Rushmore Loan Management Services in XX/XX/2020, they have not been reporting to the credit bureaus that I have a mortgage and am paying on it. I called them XX/XX/2020, they said when they take on a loan there is a 60 day period where they do not report to the credit bureaus. I asked her when the 60 day period would end, she said XX/XX/XXXX. I asked if we were past the 60 days and therefore they should be reporting to the bureaus by now, she began asking me questions about my loan from before Rushmore had instead of telling me why Rushmore was not reporting my payment history to the credit bureaus. 

3- Rushmore Loan Management Services does not have an email address where consumers can ask questions or work on resolving issues. They have a phone number which has an upfront message explaining there are high call volumes and not quite verbally literate script readers with no ability to answer questions. 
They also have an online log in portal which is beyond broken and does not allow consumers to log in.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

Worked for XXXX in approximately XXXX. Was under 10 month contract. Completed contract. Three years into working for another company I got bill in the mail from XXXX. 

So, I Called for an explination. Was told it was taxes on schooling. Was told not to worry about it, and never received a bill again. Now XXXX, I am working my credit to purchase home and noticed this is negatively affecting my credit report. I do not owe XXXX anything, I finished my contract, had them deduct the housing cost from my pay each week as in the contract, and drove for them for 10 months as in the contract. 

The collection agency is Lockhart, Morris & Montgo, opened on XX/XX/XXXX. according to credit report from XX/XX/XXXX until XX/XX/XXXX {$72.00} was owed, then in XX/XX/XXXX until present {$52.00} was owed.
Consumer complaint received 2021-12-08
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. (CT)

I have a " medical Debt '' from Eastern accounts on both my Equifax and XXXX reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX that is the information about the company behind XXXX on the contact us section. I haven't received confirmation or any contact once I submitted my complaint on their website. The situation being I can't access the free credit report weekly that they have now announced through the website through XX/XX/2021. I have tried to request the annual credit report online and it says that I have to call or through mail but I want the information now. They dont give an explanation. If it's because of identity they should have mechanisms to verify that and to my knowledge they have but they don't give that alternative. I am trying to mantain careful records to dispute information on my credit report and i need the information at the day i request it.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

On XXXX and XXXX, I learned through my credit monitoring services that someone applied for and was approved for an account via XXXX XXXX and the credit inquiry was from XXXX XXXX and I did not open any accounts. I spoke with a representative at XXXX XXXX on XXXX who confirmed that an account was opened in my name and informed me that they would close the account and put a fraud alert on there. I have not been able to get in touch with them since that time as the " system is down ''. I contacted Equifax who put a freeze on my credit report and a fraud alert. I was advised to contact the XXXX and file a police report.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I have disputed multiple times with Equifax concerning the collections account being reported on my consumer credit report from XXXX XXXX XXXX XXXX. In lieu of the disputed information, Equifax willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( XXXX ) requesting a written validation notice requesting the original contract with my signature for an account with XXXX XXXX XXXX XXXX Equifax XXXX failed to delete the disputed information as requested. 

Furthermore, XXXX XXXX XXXX XXXX violated my FCRA rights by intentionally returning the certified XXXX written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.