davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

Account on all XXXX credit agency. I ask for portfolio recovery, midland credit, and XXXX XXXX XXXX to provide all information that I didnt get the purchase agreement, notification to me about the credit. Creditor giving reporting agencies inaccurate information, reporting debt as charged off, late payments, inaccurate statements, balance due, privacy violations, withholding notices, mixed file, the company pull my credit to see if I had collections before they file a lawsuit.
Consumer complaint received 2024-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Sulphur Bank Rancheria Enterprises (TX)

I realized after making payments the principals were 5x at 700 % I stopped making payments to them and told them I pay off what I borrowed just recently received a email stating they were gon na start garnishing wages from my employer without a reach out or a phone call. When I spoke with them on the phone all they could ask is how I can go about making payments again on the full balance and not what I borrowed.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp. (FL)

My car was involved in a XXXX XXXX  and my XXXX XXXX XXXXXXXX, XXXX is attempting to get title to the vehicle, as it is in their possession ( it is deemed a XXXX  Loss ). 

Fast forward to XXXX picking up the car only to find out Southeast Toyota Finance had a lien on my title! Southeast Toyota Finance should be ashamed- this is absurd, preposterous, and acting in BAD FAITH! 

My loan was paid in full per the letter dated XX/XX/XXXX : RE : Account Number XXXX Vehicle Description : XXXX XXXX XXXX VIN : XXXX It reads : Dear XXXX XXXX, This letter serves as verification that the account listed above is paid in full, subject to verification of funds. The state of XXXX Department XXXX XXXX XXXX and XXXX XXXX has been notified that we have released our XXXX against the Motor Vehicle. 

The XXXX Department XXXX XXXX XXXX and XXXX XXXX ( the 'Department ' ) will continue to store your title electronically and encourages owners to keep it electronic until the paper title is actually needed. 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ( XXXX continues ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

You see, Southeast Toyota Finance dropped the ball - and by not releasing the lien per the above, acted in XXXX XXXX. 

Thank you for looking into this- I am SURE I AM NOT THE ONLY AFFECTED CUSTOMER! 

NEEDLESS TO SAY I WILL NEVER AGAIN TAKE OUT A LOAN WITH SOUTHEAST TOYOTA FINANCE!! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TN)

this company is reporting fraudulent inaccurate Information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (PA)

I have applied for IDR plan in XX/XX/year>. I followed up with XXXX. They told me to go through Mohela. I started getting bills for {$400.00} a month, I called Mohela and they put me on a temporary forbearance. I tried applying for an IDR in XX/XX/year> through XXXX XXXX and through Mohela. Theres not a current way to apply online and Mohela said its because of the SAVE plan issues. I attempted to fill out a paper application and upload it to Mohela or XXXX. Neither has a way to upload the application. Its ridiculous that theres not a way to apply for IDR and have it be approved right away.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (AL)

I entered in to a contract with XXXX in 2012 for a home security system. The contract stated that if I moved to a new location where an XXXX system could not be installed, the contract would be void and no funds owed. I moved to an apartment complex that did not allow XXXX systems. I notified XXXX, repeatedly, but they continued ( and continue ) to attempt to collect the debt - in spite of the fact that their representatives have assured me no funds are due.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plat as late for any purpose.
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I tried disputing a debt on my Credit Report, that I have no knowledge of and asked them to remove it from my Credit Report. On XX/XX/XXXX. XXXX  at XXXX XXXX, I received a phone call from that same Debit Collector. I informed the caller that our phone conversation was being recorded and I do have access to that recording. They were contacting me about the debt that I told them wasnt mine. I also asked them to send me Debt Validation regarding the debt. I gave them my address and told them they can send me those documents via email and no one has yet to contact me with that information. Their contact info is Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Request for Investigation and Correction of Credit Report Errors Dear CFPB I am writing to formally dispute an inaccurate account on my credit report that I recently reviewed. It has come to my attention that there are late payments reported on an account where I have consistently made my payments on time. 
As per the Fair Credit Reporting Act, consumer reporting agencies are required to report all information with complete accuracy. This account does not reflect that standard, as it should not indicate any late payments. 
I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. 
If this information can not be verified, I demand that the payment history be updated to reflect that these payments were made on time, effective immediately. 
Thank you for your understanding and prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (OK)

I was in a wreck in XXXX of 2024. I informed my loan company XXXX consumer that the other parties XXXX XXXX was not cooperating. 
I informed my loan angcy that the car was Undrivable. 
I then disputed the negative report that I revived. 
I also informed the XXXX consumer that I was not able to pay on the loan due to XXXX not cooperating. I also had XXXX coverage that was also unable to move forward due to XXXX XXXX not moving forward. I disputed the report due to the lack of XXXX XXXX not moving forward. 
XXXX did not assess the damages to my vehicle an left it at the tow yard. In the end not only did the vehicle become repossessed but I have also received a lot of emotional stress an damages due to this situation
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, I bought a new vehicle and the lender ran a credit check for my loan. It was complete, I bought my vehicle, and I thought all was done. Then, on XX/XX/year>, I found that the same lender ran another hard credit check on my report without permission or even telling me that they had done so. This lowered my credit score unfairly because the credit checks were separate and too far apart. The company financial department hasnt returned my calls.
Consumer complaint received 2024-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

I am writing to formally dispute a debt that you are attempting to collect on behalf of another party. I believe this account is inaccurately reported on my credit report. 

To date, you have not provided any statements or documentation directly from the original provider that verifies your legal right to collect on this debt. Without this verification, I can not accept the legitimacy of this claim. 

I request that you provide the necessary documentation to confirm your authority to collect this debt. If you are unable to do so, I ask that you delete this account from my credit report immediately.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NY)

I signed a contract originally for 84 months at 11.29 % APR with first payment made XXXX XXXX. I deferred XXXX payments during XXXX. the original last payment should have been XX/XX/XXXX. So it would have been extended to XX/XX/XXXX However, I just made the XXXX payment on XX/XX/XXXX and I still have a remaining balance of {$1600.00}. 
To date I have paid {$28000.00} in interest however the contract states total interest paid was supposed to be {$25000.00} After XXXX  when I made a payment in XXXX and XX/XX/XXXX the entire payment went 100 % to interest with no principle. 
I am not getting an answer from the company as to why they are charging my more interest. the extra interest they took from the payments is causing the principle to not be paid off and I am required to pay more payments even though I am already over the 84 month as per contract. 
Are they allowed to charge over the contract amounts?
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA (VA)

Please see previous complaints related to this account. 
In addition to the previous, they were allowed to garnish me even after the debt was Paid in Full. They have sent a Pif letter but they did not mention or send anything regarding my refund check from overpayment. It was paid XX/XX/year> but obtained a court date of XXXX to collect the funds. They owe me XXXX. My dispute was not investigated properly and I have submitted feedback on that already through this portal. Only XXXX partial call was reviewed and the description of the call was not accurate. I want every incoming and out call from my number reviewed. I want the notes on the account reviewed. 
I WILL PROCEED WILL LEGAL ACTION AMD DEMAND FOR SOMEONE TO GET THIS REFUND TAKEN CARE OF IMMEDIATELY
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (IA)

Someone came to my house saying that they were suing me and I need to go to court. This happened XXXX of 2021. The same person came by again and handed me more paperwork saying I need to come to court and this was about a outstanding balance that I needed to pay as soon as possible I stated that I am not working so I'm not able to pay anything. The date was XXXX of 2021 of the second visit to my house.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

On XXXX, XXXX, 2024 cashapp decided to closed my account due to suspicious activity this is the 3rd time they close my account between periods of months of opening a account with them. Theirs alot of people that complain about this issue because their so delicate and sensitive with their terms also is easier for them to just close your account instead of dealing with their customers issues they complain about since I cant provide my account number because has been closed but heres my information and the transaction that I made and done myself legitimate theirs no fraud report it or done in the account but their reason on why they close my account is because suspicious activity going on even though I verify that their legitimate transactions and didnt provide any other reason why besides that issue, cashapp didnt even send me a email or phone call to let me know that my account was gon na be closed
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WI)

We applied for a loan in XXXX of XXXX and found that my husband could not obtain a loan due to a low credit score. From there we found out that there were 2 credit cards fraudulently taken out in his name in XXXX using a previous address and his SS # where we have not lived at since XXXX. When he called the credit card company, JPMorgan Chase Bank, to find information about the credit cards he was unable to get any information since he did not have answers to the security questions, ( because he did open up these accounts ) & an incorrect phone #. All they had was a previous address and his SS #. After talking to several people at JPMorgan they were able to change the address on the credit cards to our current address and then sent us copies of the statements. He was told that on the 1st credit card there were numerous charges made at XXXX for cash advances totaling over {$43000.00} in XXXX, PA. Then on the 2nd credit card there was over {$3000.00} of charges for cash advances at a XXXX XXXX XXXX , TX . We have never been to either cities to have been able to make those charges. Since we haven't lived at the XXXX address for over 19 years we never received any statements from JPMorgan Chase of the fraudulent accounts.. On XX/XX/XXXX we gave a copy of the statements to a XXXX County Sheriff police officer along with our statement of what happened and are still waiting for the report to be completed. But due to a large overload of cases the report has not been processed yet. We have submitted a request for the status of the report from XXXX County on XX/XX/XXXX but still have not heard back. We now received a statement from a XXXX XXXX XXXX for collection of the money. We have not payed any money yet and will be disputing all of the debt with the collection agency.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance XX/XX/year> and XX/XX/year> Payments never late! 
They did not make adjustments I've reported to the credit bureau and they did not update the account XXXX XXXX XXXX {$6300.00} Account not mines! This was uploaded to XXXX multiple times it clearly states from a judge that I am not a named party
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

First of all, I have a credit rating of XXXX ( which means I always pay on time and responsibly ). 

In XX/XX/XXXXXXXX XXXX  I took a loan of {$35000.00} to be payable in seven years from Banco Popular de Puerto Rico ( # XXXX ) to be debited automatically from my account. 
They started doing so, and when Hurricaine Maria hit the island, the bank, without asking me stopped debiting my account in a moratorium of three months. At the moment, I could have been able to continue to pay the loan. 

.They NEVER informed ME directly by any means whatsoever, that they would charge interest during the moratorium and they NEVER issued me a loan account statement in which the payments and interests were reflected. Otherwise, I would have paid immediately avoiding the interests which continue to accrue. 

The last payment from this loan was to be in XX/XX/XXXXXXXX XXXX It is at this moment that the bank notifies me that I have accumulated {$1900.00} in interest from the moratorium which I still have to pay. I submitted Claim # XXXX stating that I had never received any direct notification of their intent to charge interest for the moratorium, and that I considered my loan repaid in full. In additon, I formally requested they stop the automatic direct debit. 
They responded that they informed the clients through the media, letters, social media, branches etc but they have not produced any such direct notification to ME Banco Popular de Puerto Rico FAILED to adequately informed me about their intent to charge interest during their moratorium. I fulfilled the payment of my loan in XX/XX/XXXX. 

However, the bank is charging me interest for the amount they claim is unpaid, are threatening me with affecting my credit score, and in spite of my expressed directive to NOT withdraw direct payment from my account, they have started to do so.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (TX)

XX/XX/XXXX went into the KIA Dealership I was there from XXXX to XXXX with alot of commotion in the dealership they were having a hail damage event, I asked what kind of deal I was getting and 1 man says nothing your getting it with {$0.00} down and by that time I was frustrated and ready to leave. In the end I returned the vehicle because the dealership refused to help me trade for a vehicle with non-hail damage. Months have gone by with no phone calls until I made a complaint XXXX finally called and said it was going to be a REPO on my name and very XXXX XXXX  was returned before any payment was due. Now XXXX finance is saying I am behind 34days and owe XXXX. They continuously ran my credit I have XXXX hard inquiries within month. I need this to be removed from my credit in which they refuse help with. I've called KIA finance & KIA consumer affairs regarding this issue and no one has been able to help get this resolved. As of XXXX I was told by consumer affairs they would call me back and have not received a call. I was forced to buy a vehicle I was NOT happy & I told the sales person I didn't like it and the finance manager. This was a horrible experience in a dealership.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

1 XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

I received a phone call from Chase Bank ( XXXX ) XXXX stating a credit card was opened in my name. There was a charge for XXXX with XXXX XXXX and also they were asked to change my address to XXXX XXXX Tx.