davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

At XX/XX/XXXX, I had a buyer for our RV and because Bank of America failed to keep track of the title, I lost the sale despite the willingness of the potential buyers to wait over three week. Bank of America continues to have me as a loan customer, the buyers are on their way to XXXX and I have no recourse for a set of errors that are still unresolved. Because I lost the sale, I continue to pay approximately {$500.00} per month for the loan payment, insurance, rental space at a sales lot and printing brochures. The later into the summer, the less likely to find a buyer especially at the price that was agreed to in XXXX. 

Bank of America said that they would make every effort to obtain a replacement title for the RV but when I checked with NC DMV they indicated to me on XXXX XXXX that there was no additional requests for a replacement title. The only request was in XXXX 2015 which was the first time Bank of America indicated to me that they could not locate the title. That first replacement title was mailed to Bank of America in XXXX, XXXX where it was later sent to their repository in XXXX. XXXX DMV said that this second request for a replacements, even if processed, takes four to six weeks to complete. 

Key errors were first the lack of awareness two years ago on the part of Bank of America that they had never received the XXXX title for the RV. NC DMV said that it was returned to DMV. Second, when this was discovered and Bank of America had the replacement title in XXXX, the sending of that title to XXXX resulted in the loss of the title. 

Because a title was still not in hand, I asked XXXX XXXX XXXX on XXXX XXXX, through a XXXX XXXX XXXX a Customer Advocate from Bank America, to please contact the buyers and see if they would still like to complete the deal. They had already waited over three weeks and I had nothing I could say to encourage them to stay and complete this deal. XXXX XXXX called them and was told that evening that they could not wait any longer and that they had purchased a different RV. This was the evening of XXXX XXXX. XXXX XXXX called me and notified me that the sellers had purchased a different RV. That was over three weeks from the day the buyers agreed to buy my RV. My sale was lost. 

As of XXXX XXXX, 2015, there is no word of Bank of America obtaining a replacement title for my RV. I have no subsequent offers to buy my RV. I am continuing to make monthly payments to Bank of America by direct payment, also continuing to pay insurance and monthly rent of a space for displaying the RV at a local used vehicle sales lot.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (SC)

I recently ( XXXX/XXXX/XXXX ) financed new bedroom furniture with Conn 's Home Plus ( " Conn 's '' ). While I am highly satisfied with the quality of the furniture I purchased, I can not say the same for their customer service record departments. I was advised by the store at time of purchase that if I provided proof of homeowners/renters insurance I would not have purchase their insurance policy. I provided such information ( in the form of multiple emails ), and can provide proof if needed. I subsequently received my Truth in Lending statement and follow up correspondence which showed the additional insurance being included. I had to again ( for the third time ) provide the declaration page of my insurance before the policy was finally removed. 

This brings me complaint today. My due date is the XXXX of each, with a grace period until the XXXX. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call at XXXX EST, and was left an automated message to contact Conn 's regarding my account. By leaving the automated message this is considered " contact '' under the terms of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692-1692p ) of XX/XX/XXXX ( " FDCPA '' ), and reaffirmed by XXXX v. XXXX XXXX XXXX , XXXX in XX/XX/XXXX, and no further call should have been made within that day. I received another call yesterday ( XXXX/XXXX/XXXX ) at XXXX EST, with the same automated recording. This morning at XXXX EST ( XXXX/XXXX/XXXX ) I received a phone call again from Conn 's and was lucky enough to speak with a live representative. After verifying my information he immediately advised that the payment of {$190.00} was due, and asked how I was going to pay it today. I explained to the gentleman that since my due date fell on a weekend I would set it up via bill pay today, I also explained that I am with my within my grace period and did not appreciate the multiple phone calls. He stated he would note the account that I was going to via bill pay, and the conversation ended. At XXXX EST this morning ( XXXX/XXXX/XXXX ) I received both an automated " Friendly reminder '' text message, and an " Important Message '' email from Conn 's. To me this consuetudes harassment, and is a direct violation of the FDCPA, specifically, 806. ( 5 ) - Harassment or Abuse ; '' Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " I have documented proof of all of the above listed allegations, and am willing to provide copies/screenshots if requested.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account status will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (MS)

I have been a customer with Regions Bank since XX/XX/XXXX. I opened this check account in XX/XX/XXXX. On XXXX XXXX, XXXX my checking account was debited XXXX times for {$190.00} for XXXX XXXX XXXX purchases. I noticed these charges on XX/XX/XXXX and immediately went into a Regions XXXX on XXXX XXXX and filed affidavit charges. They explained to me the charges could take 7-10 days before they are reimbursed. I let them know at that point I had been a customer since XX/XX/XXXX. 
There were also charges pending for {$180.00} XXXX times from a company called XXXX, and a {$60.00} charge from the same company. I filed a second affidavit XX/XX/XXXX for XXXX charge of {$180.00} that had cleared overnight. I went back to the bank and withdrew my remaining funds before the crooks continued to clear out the rest of my money. I was told at that point that I did not need to fill out a XXXX affidavit for the remaining charges. On this day XXXX XXXX, XXXX I have still not been refunded for all the fraudulent charges. I have notified the police in my city and have a case number.
Consumer complaint received 2015-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This is a follow up to case XXXX and XXXX, as there does n't seem to be a way to amend an ongoing complaint. After explaining to Bank of America in faxes, via chat, via email, etc., that answering a telephone causes me physical pain, their Executive Response team called me at XXXX today, causing further physical pain, and the necessity for me to take pain medication that makes it difficult for me to continue working today. As I am paid by the hour, I am looking at an additional loss of income in addition to what they have already caused me.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years not XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Choice Assets LLC. (GA)

I continue to receive calls from varies debt collectors looking for a XXXX XXXX or other person I do not know. The latest was from : First Choice Assets LLC Mailing Address : XXXX XXXX XXXX. # XXXX XXXX, NY XXXXPhone : XXXXFax : XXXXEmail : XXXXXXXXXXXX.XXXXThey call from a local XXXX number of XXXX. I identified myself and order them not to call me. They accused me of being rude and unhung up.
Consumer complaint received 2024-08-20
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. (TX)

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me, myself, and I. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 

1 Account Name : XXXX XXXX  Account # XXXX 2 Account Name : XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX  Account XXXX XXXX 4 Account Name : XXXX XXXX XXXX Account XXXX XXXX 5 XXXX XXXX XXXX Account # XXXX Also please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S Code 1681e ( b ) accuracy of report. When ever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please removed the following items from my credit report : Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address in incorrect, please remove it from my credit report immediately Account XXXX. XXXX this account is being reported inaccurately. Please remove it from my credit report immediately
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

According to FCRA section 605B, these items shown are inaccurate please remove from report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> Filed FTC report attached below.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Please delete all fraudulent accounts and late payments off my credit file from Experian, XXXX, and XXXX immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I was sent this from Experian. Now someone tell me how can they report scores on my credit if they don't know who I am. Now try to contact them through their response. 
Member ID # XXXX XXXX XXXX XXXX, We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. 

Please send proof of your Social Security number, such as a copy of your Social Security card or a document from the Social Security XXXX that displays your name along with your Social Security number. In addition, we will need all of the following information : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and XXXX copy of a current utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 

List any information that you would like to dispute, and tell us specifically why you believe the information is not accurate. 

To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every XXXX days upon log in. No credit card required. Start Here! 

PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. 

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. 

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Consumer complaint received 2024-08-20
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NM)

I sent a letter asking them not to call my home phone. This letter was enclosed with a check ... which has been cashed. Then when they called my home saying they had not received the check ( which by this time had cleared my bank, ) I told them again not to call my home phone. They called my home phone again. I have also requested ( in XXXX separate letters and each time there is a phone call, ) for them to send me the original paperwork and an amortization schedule and a total still due. This has still not been provided.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Ocwen continuously applies my monthly payments as principal payments rather than monthly payments. My mortgage is currently paid ahead 2 months so I have been able to address this so far but it has become very frustrating. In order to address the issue, I must submit a letter via mail outlining the problem. It then takes about a month to address the issue. My mortgage payments have always been on time and I have never had any issues. However, my mortgage being sold to Ocwen has created nothing but headaches and is threatening to damage my nearly perfect credit.
Consumer complaint received 2024-08-20
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. (TX)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2015-07-13
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Global Credit & Collection Corporation (IL)

I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX in my married name of XXXX XXXX. My discharged was date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from XXXX from Global Solutions. She asked for me my XXXX XXXX, that is how they have me filed. Their case number for me is XXXX. XXXX called my son and wanted me to call her back. I called her back on XXXX ext. XXXX. But she had called me from XXXX. XXXX advised me she is representing a payday loan company. I asked her the name of the company but she talked so fast I did not understand her. Any loan that I received was before I filed for bankruptcy. XXXX advised me that I had committed fraud and I did not. So I hung up the telephone. She proceeded to call back and I refused to answer and let the phone ring at least 10 times. I called the lawyer who had represented me in the bankruptcy and was advised that this was a scam and referred me to you. Please help me.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX of XXXX I signed for an auto loan with Wells Fargo Auto Finance. In XXXX of XXXX I moved from the address they had on file with me but the car stayed with my wife at the old address. On XXXX XXXX XXXX I mailed Wells Fargo a change of address letter. I never started receiving bills at my new address so on XXXX XXXX XXXX I sent another change of address letter but again nothing was changed. In XXXX of XXXX Wells Fargo transferred this account to Wells Fargo Dealer Services. The last payment on the account was in XXXX of XXXX. At this point the title was then mailed to the old address so I never received it. In XXXX I had to call WFDS and ask them to send me a title to my new address so I could see the car. They would n't send me a title, just a release of lien so I could go down to the tax office and get a new title. Because they never changed my address and billed to the correct XXXX I had several late payments with them that are still adversely affecting me today. I would like these late payments removed.