davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Banks after 3 years of stress and uncertainty, and after declining XXXX all cash offers finally Approve a short sale offer on my home. If selling a home that I have lived in for 21 years is not stressful enough. They gave the funding date a week before XXXX. Now because of that I only a one day to vacant the property. This caused me a considerable amount of Stress, I 'm a year old XXXX, and just about had a XXXX. So then the buyers agent comes to the door of my house to have the locks changed. I tried to find an apartment but it is very hard especially during the holiday season.
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (WA)

I have received several " robo calls '' from a company calling itself Dynamic Recovery Solutions, a debt collection agency. The calls come from various numbers. In his vague recorded messages, the caller asks me to call him about " important matters. '' I have not called him back, as I have no outstanding debt and it seems clear this is a scam. I do n't want to provide any more personal information than they already appear to have. The XXXX of complaints about Dynamic Recovery Solutions on the Internet also indicate that this is a scam. They have called me several times, and it appears harassment is their business. Can you please make these XXXX stop bothering people? Thanks.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd 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/updated.

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.

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!
Consumer complaint received 2015-11-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (NE)

Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company XXXX XXXX 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated XXXX XXXX 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated XXXX XXXX 2015 ) from American Credit Acceptance stating that consumer has until XXXX XXXX, 2015 to send payment of {$1100.00} on an account consumer was denied ( in writing ) and does not owe. Consumer was sent the fraudulent demand letter by US Mail ( certified return receipt ) which constitutes 'mail fraud ' and is indicative of 'extortion ' under South Carolina 's Code of Laws ( Section XXXX ) and Attorney General XXXX XXXX XXXX Office who has requested a formal complaint be filed by consumer along with evidence accompanying the complaint form as these types of fraudulent practices harms the general public. In an administrative process to begin a formal lawsuit against American Credit Acceptance finance company, consumer is documenting this complaint to attach to the complaint consumer is filing with the South Carolina Attorney General 's Office. Consumer will NOT pay American Credit Acceptance anything as consumer will not engage in extortion on ANY level. Consumer wishes to thank CFPB for providing this venue of mediation and documentation as it is greatly appreciated.
Consumer complaint received 2016-03-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

XXXX/XXXX/2007 a personal loan was taking out with XXXX to help with college tuition.The loan was later taken over by Springleaf Financial, we make payments of {$700.00} per month, we have paid over {$50000.00} on a loan that was {$20000.00}, and we still have an outstanding balance of $ XXXX.Now the bill is showing a late fee of {$250.00} and {$450.00} in interest so nothing is being applied even though i make the payments online and on time.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CT)

On XXXX XXXX, XXXX I was notified by Experian that my credit score had dropped significantly. When I checked into this, I found that a credit union which I settled with in court re-reported my account as 2 years past due. After seeing this, I contacted Experian to dispute this report. 
In XXXX, I took out a personal loan through my credit union. Towards the end of XXXX I ran into financial difficulty and could not afford to pay my debt back. In XXXX, my credit union reported my derogatory status and closed the account on my credit report. That same year they filed a judgement against me, which I ended up satisfying in XXXX. I have court documents stating this settlement. Now it 's XXXX and this credit union is just reporting that they charged off the account and are showing non payment for XXXX - XXXX. Because of this it has dropped my credit score XXXX points. Can you help in with this incorrect credit reporting? 
Regards!
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (DC)

Last year, I asked that the ( at the time ) XXXX XXXX XXXX ( now the XXXX ) take me off of automatic enrollment so that I would not be charged the automatic $ XXXX yearly fee. Yesterday, I looked at my monthly statement, and not only had Barclay 's ( presumably the organization responsible for overseeing the card payments ) deducted {$89.00} from my account again - they had done so twice. A total of {$170.00} was taken out of my account without my permission - despite having spoken to a representative last year and requesting that I be taken out of auto enrollment. Although I called them and my money is apparently being refunded ( I have not received a refund yet ), it is terrifying to think that a company such as XXXX, or Barclay Card, can simply deduct money from my personal bank account without permission - or even a request - despite me taking the time to attempt to eliminate this type of event from occurring.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc. (SC)

National Credit Systems continues to report the same account multiple times to my credit report. This reflects negatively on me even more so than the original claim. They have been doing this ever since they first started reporting. I understand that they report to all XXXX credit agencies, but they are currently reporting twice to XXXX. See attached.
Consumer complaint received 2016-03-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRSTBANK (AZ)

This bank ( XXXX ) seems to be really making a lot of rules on it 's own and enforcing in one way or the other to the customers. I followed the XXXX to open the anywhere checking account via online. Whatever they asked me to provide - I provided and that 's why the account was also opened. I provided my permanent resident card as part of the account opening process and they accepted it also. Now after opening the account they are asking me to come down to the branch and provide the driver 's license, why?? They have so many rules for e.g. if you have opt for online bill pay but do n't use it - they will charge fees. If one does n't have the direct deposit or certain minimum balance they will charge fees. It seems this bank just want to XXXX and money of the customers. They are not doing any favor to anybody by letting me open the bank account. They are also getting the business. Now they are doing everything to make it hard to do business with them and seems to do everything not to give me {$200.00} cash back bonus.
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I sent an offer in the form of a letter and check, I stated that if the offer was not accepted that I was advising that this is a cease and desist. They sent my check back and said that since I wrote in remarks in the memo of the check they could not accept it so that means the cease and desist is active.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: General Information Services, Inc (TX)

General Information Services ( GIS ) furnished a background report on me and submitted information to an employer that I applied with. The information that the reporting agency submitted is not supposed to be sent to the employer due to the fact that the state I live in has restrictions on what the agency can and can not report. On the background report, the agency submitted information that is past seven years but the state of Texas does not allow agencies to report information beyond seven years if the job pays less than {$75000.00} annually. Here is the Business and Commerce Code for the state of Texas XXXX : XXXX # XXXX Other research that I have found on this issue : XXXX The use of older cases Whereas the FCRA does not allow the use of any non-convictions older than seven years, several states go further and ban the use of any case older than seven years, even in instances when there was a conviction. XXXX states place restrictions on the reporting of ANY case information older than seven years. These types of restrictions are found in the following states : California, Colorado*, Kansas* , Maryland*, Massachusetts ( additional limitations are put on the reporting of misdemeanor offenses ), Montana, Nevada XXXX New Hampshire*, New York *, Texas *and Washington*. 

( * indicates exceptions based on salary. )
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Citizens Bank XXXX XXXX, RI sent me, by US mail, an offer to receive {$200.00} by opening an account and meeting stated requirements. The requirements were : open the account by XXXX XXXX, 2015, make a deposit each month XXXX of which would be a minimum of {$500.00} and the {$200.00} would show on the account after XXXX XXXX. I went to the Citizens Bank at XXXX XXXX XXXX, XXXX, NH on XXXX XXXX, 2015, discussed the offer with Branch Manager XXXX XXXX, opened the account, fulfilled all requirements and now have not received the money. I have talked with Supervisor XXXX XXXX and Bank Officer XXXX XXXX, Sr Advocate. She said she would see to it. The money is not in my account and she has not called me back. I have all the paperwork and pertinent notes and want Citizens to pay as promised NOW.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX County, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. Transunion still reports XXXX. XXXX still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I 've spent thousands of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX from XXXX Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently.
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (UT)

This is regarding the RCI Mastercard from Barclaycard. 

I set automated payments through my online banking for a transfer I did over a year ago and payments were happening without any problem. The on XXXX XXXX, XXXX I learned that I owed over {$200.00} dollars in late fees, which was unexpected given the automated payments. I called and was told there had been an interest rate change that I did n't know about. Anyway, not only I proceeded to pay that fee but I also asked what the balance amount was so that I could pay it in full and have XXXX balance. The proceeded to pay the full amount but then on XXXX XXXX, XXXX I get a statement indicating a balance of close to {$1000.00}. Note that I made no use whatsoever of the credit card. I called again and the representative said it was balance left from the last payment. I insisted that I paid the full amount I was told to be at XXXX balance because I did n't want to have to pay interests. So then I asked again for the full amount to have XXXX balance and I paid immediately. Then last night, XXXX XXXX, XXXX I get yet another statement indicating that I still owe {$2.00}. This is unacceptable! I called and was told it was interest. Why is RCI Mastercard Barclay doing this? The only explanation is that by ripping of a few dollars out of hundreds of thousands of customers they are ripping XXXX dollars from us. I the end the representative waved that payment but ( a ) I may still get another statement next month and ( b ) the issue is not the amount but the act. 
There should be a Class Action Suit against RCI Mastercard Barclay because this is deliberate abuse. I demanded all my conversations with RCI Mastercard Barclay to be recorded so that they can be subpoena. 
It is the responsibility of the authorities to take action on this.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have sent a hand written letter to dispute the false 30 day late report via certified mail. I have disputed to Transunion and XXXX. I have written a complaint to attorney general and various other agencies to help me resolve this matter, I have never been 30 days late and in XXXX 2015 I had spoke with a XXXX XXXX XXXX XXXX that had promised me a arrangement due to unemployment. That I could make the regular car payment and that if paid late would accrue fee however, I would never be reported due to late fees for not paying on time. So fast forward 8 months and arrangement was kept on there end. I made the payment for XXXX 29 days late due to financial struggle and they reported me as 30 days late. I wrote a letter in regards to the FRCA 611 ( a ) act that this was indeed false report and I have been hounded in regards to payment that I have always paid. The collection department refused to work with me and where so rude and I feel like I have no control of being bullied in this matter. I need help as XXXX is lieing and holding to keeping this false information active so they do n't get in trouble. They are reporting falsely and I am paying for this emotionally and it is got me so distraught that they continue to bully me in this matter. I can provide documentation however want to make sure it is taken care of to protect my identity. Please if you can help me in any way. I await your response, thankfully yours. XXXX XXXX
Consumer complaint received 2016-01-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP (AL)

In XXXX, I took out an installment loan with Republic Finance in XXXX, Alabama to help build my credit history. I paid the loan on time, except once. The reps called me constantly throughout the day, even at my job. I informed the location manager that I was going to come in to get a payment history printout so that I could pay the loan off because they were being very unprofessional regarding the matter. In XXXX, the manager filed a claim against me in court per se. He even went as far as to send garnishment papers to my employer without a verdict being rendered in court. I made a payment for {$450.00} via money order after that and he did n't even report it to the court. I disputed the matter on my credit and it came back as " satisfied/released '' but, Republic Finance has since placed another delienquent account on my credit for a balance {$200.00} shy of the amount they entered for the court claim. Also, in the court papers, they never reported any of my past payments, they tried to sue me for the full loan. When I went to the location where I got the loan to get a payment history printout, no one would give it to me. The representatives all told me I needed to see the manager XXXX, which was the person that filed the same claim in court against me. Upon meeting with the manager XXXX, he asked me what I needed a payment history printout for and asked was there something I needed explained to me regarding my loan? I do not owe the amount that Republic Finance is claiming that I owe. I was going into the actual location paying with cash and I would recieve receipts on thermal paper from a credit card machine and they have since faded. When I told XXXX, the location manager that I would like to make my future payments via bank draft, he suggested I continue to pay in cash because it posts to my account immediately and that bank drafts can take a few days to clear. This was a red flag for me and is why I made my {$450.00} payment via money order, so I could have proof of payment. If you notice on the court documents, all of the documents that were submitted, when he submitted my account information, there are payments areas blackened out, as well as my account number. I believe they have committed forgery and I would like this matter to be investigated and I would like it removed from my credit report because they have created XXXX separate accounts under my social security number. After the court case was released, Republic Finance went back and opened another account and have been reporting delinquencies on my credit report.
Consumer complaint received 2024-08-14
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)

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX Account number : XXXX Dates reporting NOT Accurate : XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and XXXX XXXX yrs old I have NEVER missed a PAYMENT EVER! 
these late payments are NOT Accurate. 
Thanks for your help, Sign Your Name
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX was the final creditor on an old account in the amount of {$3100.00}. account # XXXX XXXX. the account was settled with them on XXXX/XXXX/15 in the amount of {$1700.00}. I have tried to contact them to update my credit report but the phone numbers I have are either " having trouble '' on the line or out of service. I even tried contacting the CEO XXXX XXXX but have received no response from him either. I want this off my report as I am trying to rent a new apartment and this is effecting my options.