davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (OH)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (AZ)

My husband made a loan modification in the beginning of XXXX 2016 to bring the account current. Since then he has made 4 on-time bi-weekly payments as per the loan terms. When we disputed information reported to the credit bureaus in XXXX, the credit bureaus stated that they received information from the lender on XXXX XXXX, more than 30 days after bringing the account current, that my husband was still 60-89 days late and had not made a payment since XXXX. This is hurting his business very badly as it is for his work truck which is having problems and we need to trade for a more reliable vehicle and it is also preventing him from being able to obtain business credit. ( It is also hurting us regarding buying a home which we are in the process of qualifying for. ) The lender is aware of this as they were informed of this in XXXX and advised me they would report it current within 30 days ; they have yet to do so. I do have a letter on their letterhead dated XXXX XXXX that my husband is current, but they have not reported it accurately to the credit bureaus. I have evidence of our dispute with XXXX wherein they informed us the furnisher states the information they provided, that my husband was 60-89 days late and had n't made a payment since XXXX, is accurate. It is now XXXX XXXX. I believe they are in violation of the FCRA and we will sue as a result, and seek attorney 's and court fees, but this still needs to be amended immediately and recorded accordingly.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My daughter is an authorized user on my Bank of America credit card. She is only an authorized user, not financially obligated. She recently applied to refinance her home. When her CBR was run, her score had dropped significantly due to B of A reporting the balance I carry on her credit report as if she was carrying the balance. We had not authorized B of A to report on her CBR, my balance was shown on her report thereby violating my privacy ( I did not want my info for other 's to review on her report ), and the resulting drop in her score resulted in a XXXX basis point increase in her refinance rate ( which will cost app {$50000.00} over the life of her loan ). I addressed this with B of A through a number of channels, was initially told they ca n't do anything, then was told it was up to the CBR ( which I called and they affirmed they were only reporting as B of A submitted ), then was told I need to remove her as a user but her report would then show as account closed. I then submitted a complaint and finally was told they would remove the info from her CBRs, but it will take 60 days. She really needs to refinance now ; because of B of A her rate is higher, B of A should not have reported this on her CBR, should not have disclosed my info on her CBR, and should have not either lied or given me incorrect information through a rep, the rep 's supervisor, that supervisor 's supervisor, and finally the dept answering my complaint. This is a serious, and costly, breach of information sharing both for my daughter and me.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA COMPASS - ( ACCOUNT NUMBER XXXX ) XX/XX/2016 BBVA COMPASS FRAUD and INVESTIGATION Department RE : account number XXXX To whom it may concern : On XX/XX/2016, I received an email from your bank indication fraud was impacting my checking account. In fact, {$3300.00} was stolen from my account after BBVA COMPASS allowed someone to compromise it. I called BBVA COMPASS that evening and could not access my account as passwords and security questions had been changed. After a quick investigation by BBVS COMPASS, I was told someone called in to their customer service to change information, followed by the creation of a 'WALLET ' access to my account, followed by a request for a new debit card, and finally on XX/XX/2016 the {$3300.00} in purchases and debits were taken from my account. All happening in OHIO or IOWA. 

Prior to the big day of XX/XX/2016, BBVA COMPASS sent a new card to the criminal and sent a new card to me. That makes two active cards numbers on one account. 

The account was closed immediately by BBVA COMPASS and a new one was created and I quickly created my own 'WALLET '. The {$3300.00} deposited in my new account within a few days. This was the end for me even though I was told my account would be closely watched on every transaction for several weeks. 

Fast forward to a few days ago. I started receiving account statements on the closed account over drafted {$3300.00} plus fees. This is when I made a visit to the branch located on XXXX Texas. It was at this location where I was informed the investigation was closed since they did not receive a police report. 

No one ever contacted me concerning a police report and I thought my part was over in this process. I have been to this bank several times since this happened. I have an online account, a 'WALLET ' application with my account, and my email is associated with this account yet there was no requests made of me in any of these superior formats to get information. 

The police report information : XXXX Officer XXXX badge XXXX PD XXXX This is a request that BBVA COMPASS complete this investigation, shore up their practices and procedures, and leave me alone. 
Sincerely, XXXX TX XXXX
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had a student loan on my credit report from XXXX AND IT WAS REPORTING IN CORRECTLY. I HAVE DISPUTED THIS WITH TRANS UNION AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT FILE. THIS ACCOUNT IS NOT DUE TO COME OFF ANYTIME SOON. THIS ACCOUNT IS A CLOSE ACCOUNT PAY AS AGREE STATUS. WHEN I DISPUTED THIS I WANT THE HISTORY TO BE UPDATED FROM XX/XX/XXXX TILL IT WAS TRANSFER IN XX/XX/XXXX. IT WAS REPORTING IN ACCURATE DAtes SO I CONTACT XXXX AND THEY SENT ME A PAYMENT HISTORY THAT SHOWS THE CORRECT INFORMATION. A COUPLE OF DAYS LATER IT WAS DELETE. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT REPORT AND XXXX FROM XXXX STATED SHE SENT ALL OF THE CREDIT BUREAU ALL CORRECT INFORMATION REGADING THIS ACCOUNT.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (CA)

XXXX acquired my federal XXXX school student loans from XXXX and took the opportunity to remove the 2 % discount afforded to my loan repayments, because of auto debit. I called them out on this 4x and also filed a complaint with the XXXX office and still to this day, XXXX can not confirm how much in interest they have overcharged me in acquiring and handling my loans. 

I want a full and immediate refund of the interest charged on my loans. 

Also, what legal remedies do I have for this? I believe XXXX has institutionalized a criminal act and is probably overcharging interest on thousands of other student loans.
Consumer complaint received 2016-04-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I 'm having a problem with capital one bank they are supposedly to be doing a fraud investigation on XXXX of my accounts and yet it 's been almost a month and no one is giving me updates about my accounts and each time I call them they give me the run around on my account status and not giving me a straight answer plus on top of that I tried to open another account in the same bank and they are holding my tax refund check which is not related to my XXXX accounts that they are investigating. This is the XXXX bank that is just putting me in debt. I just assume they are doing some wrong like with XXXX the XXXX bank I had done business before and now capital one. So can you please resolve this for me.
Consumer complaint received 2016-12-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (AZ)

I received a letter from XXXX ( Receivable Management XXXX ) stating that I owe {$140.00} to XXXX. I 've never had insurance through this company and have never NOT paid a bill on time. 

Here is the info from the letter : XXXX Account No:XXXX Member ID XXXX to pay by phone : XXXX to pay by check : XXXX to pay online : XXXX Will you straighten this out for me? Thanks, XXXX XXXX
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (CT)

XXXX XXXX XXXX was sold to key bank. Upon re-enrolling in on-line banking my account for on-line was locked. I called customer service and re-re-enrolled. I was forced to change user name and password yet again. 2 days later my account was locked yet again. upon calling customer service I was told I needed to re-enroll yet again with another new user name and password. System would not accept my original user name as it had been used previously I was told. If my information is in the bank system as being used previously then I am in the system that wont let me in. Why? No one can explain that.
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Performance Management, LLC (NY)

Once XXXX confirmed that the final account charges of {$110.00} were paid, a debt verification letter was mailed ( XXXX/XXXX/16 ) to RPM LLC ( XXXX XXXX XXXX, XXXX, WA XXXX ). Its XX/XX/XXXX and proper notice has not been received. RPM, is again calling me ( XXXX/XXXX/16 ) with threats to escalate debt. When I asked the phone representative to please notify if a written response was sent, he states a certified letter was mailed XXXX/XXXX/16. Once i asked who signed it, representative became defensive and said " he did n't need to proof himself to me ''. Another call came in XXXX/XXXX/16 at XXXX, however i was already at work and missed call. 

Company has been unprofessional and rude every time they 've called. My FICO credit score is over XXXX and i would hate for this to affect my credit history.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-12-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ACCOUNT RESOLUTION SERVICES ACCOUNT NUMBERs : XXXX and XXXX XX/XX/2016 XXXX, XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT RESOLUTION SERVICES or any company associate with this account # XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT RESOLUTION SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (GA)

I contacted Discover Student Loans after a loan was reset and shown as requiring a payment I already made. I spoke with supervisor XXXX in XXXX XXXX XXXX, UT who advised me I could make the remaining payment and they could place an administrative forbearance on the loan but they could only do this after I had made a payment. 

To have a system reflect a loan as unsatisfied and require XXXX payments in one month on this loan is a direct violation of my loan agreement and I have received no follow up on if me paying a monthly payment twice would move my due date for that loan forward a month, or how Discover intends to remedy their system error. 

Executive office team member, XXXX XXXX was also aware of this and offered the same remedy of placing an administrative forbearance once the remaining loans had been paid. Discover showed a minimum payment due twice for the same loan, at this point they are aware the loan was paid twice-yet the due date for that loan was not moved further back nor have they made an attempts to rectify this issue. 

Finally I was advised when the loan was reset all the information would move over to the new loan number. The new loan does not show any of the interest paid to date on the loan they reset or any of the prior loan history.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX XXXX, I took out a mortgage with XXXX Mortgage XXXX, XXXX. They advertised the lowest interest rate and lowest monthly payments at the time, that was the reason I decided to take out the mortgage loan. However, the monthly payments ended up being to high that I was not able to afford them, which is the reason I defaulted on my loan in XXXX of that same year. Then in XXXX of XXXX, I received a Summons and Complaint that Wells Fargo started to foreclosed on my home. I tried making arrangements such as doing loan modifications with the bank but I have been denied several times. Lastly, I was selling my house as a short sale because it would help me not to accrue debt but the bank decided to place my home on an auction sale.
Consumer complaint received 2016-04-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been disputing a debt for many years with Portfolio Recovery Associates. I decided rather than dealing with their incorrect reporting and trying to resolve the issue with a company unwilling to ethically work with a consumer, I would pay the full amount they were collecting. I submitted a payment for {$1000.00} that I was told I owed since 2013. They withdrew only {$1000.00} from my bank account stating that they are not allowed to withdraw more than I owe and after further research the amount was different than what they had been trying to collect. My credit reports have shown the incorrect amount since 2013. The amount they had been collecting has been reported incorrectly for many years and has been disputed with all XXXX credit bureaus and verified with the words " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution '' added in the comments on my credit report.
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (MO)

Hello, I am an XXXX female XXXX Veteran. 
Upon my graduation in 2007, I was contacted by XXXX XXXX to start paying off my student loans unknowingly signing up to consolidate my loans right out of school. I have been struggling with finding stable employment to make the payments towards paying back my loan. 

My loan has reached default status, and was passed to XXXX. They 've recently passed my account to Transworld Systems who now manages my account. 

Transworld wants me to agree that I owe {$30000.00} when my understanding is that I owe {$24000.00} on my principal and I 've accrued {$3900.00} in interest. This total does not add up to {$30000.00}. I sent a dispute letter to Transworld Systems asking them to verify the amount. And, I wanted to report this situation as well. 

Although I want my loan out of default by participating in their loan rehabilitation program, I do not want to verbally agree to owing this much if it is n't my true balance.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am receiving phone calls periodically at work from Portfolio Recovery Associates stating that I owe a debt to XXXX XXXX resulting from a credit card account. I have stated that I am a current XXXX XXXX cardholder and know of no past due balance to XXXX XXXX and have told them to not call me. 

Upon further review of my credit reports, I have found that Portfolio Recovery has been doing a soft pull of my credit reports on a monthly basis for a very long time. 

I know of no debt to XXXX XXXX or Portfolio Recovery, and feel that their attempts to collect this debt ( which either does not exist, is an authorized user account under which I have no responsibility, or a time barred debt under the FCDPA ). I am demanding that Portfolio Recovery either provide proof of a legitmate debt, in writing, stating in full to include all pertinent information, or stop harassing me on the phone and stop pulling credit information as I feel that there is not a permissible purpose under the law for obtaining my credit information, and is certainly a violation of my right to privacy.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MO)

My name is XXXX XXXX XXXX. I sent Tower Loan a letter asking them to stop calling my work place XX/XX/XXXX, and they continue to do so, even calling my former workplace. Below is an e-mail that I received from my former job : Hello XXXX : I appreciate the message. I have asked them to stop calling. Also, I am contacting the consumer protection agency for them to stop calling. You can report them if they continue to call : http : //www.consumerfinance.gov/. 

Thanks, XXXX From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX To : XXXX, XXXX XXXX XXXX ; Subject : FW : Voice message from XXXX to XXXX Hi, This person seems to be trying to track you down. They called me again today. 

XXXX XXXX XXXX | Recruitment & Retention Advisor | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone : XXXX ( Pronouns : She/Her/Hers )
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A {$25.00} fee was charged to my account in XXXX. I called and it was reversed. It was charged again in XX/XX/2016. I spoke with XXXX and her supervisor XXXX. It seems the terms of this type of checking account have changed. I asked when and if I received written notification. I did not get any information. Again I asked that the {$25.00} fee be waived. I was told no. I changed to the core checking account. I feel that Bank America changed the terms and conditions of my account at some point and is misrepresenting the notification. Additionally they will not tell me when he terms changed and how I was notified. After 20 years I am disappointed.