davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AL)

I submitted a dispute with XXXX and XXXX and not resolved. I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit report. 

I contacted XXXX and XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

This is fraudulent and I have no knowledge of this account.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TN)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CT)

I am writing to formally address a serious issue regarding my account with you, which has led to severe inaccuracies and adverse effects on my credit report. The discrepancies and mishandling of my account have not only violated my rights under the Fair Credit Reporting Act ( FCRA ) but have also caused significant damage to my credit score. 

Background : In XX/XX/year>, my account with Elan Financial Services was subjected to fraudulent activity. Despite my prompt reporting of this fraud, Elan Financial Services failed to take appropriate action to rectify the situation. Instead, the following issues have arisen : Account Lock and Payment Reporting : Elan Financial Services locked my online access, which prevented me from viewing or managing my account. 
Despite this lock, you continued to report late payments and insisted on payment, despite the fraudulent nature of the charges. 
Inaccurate Reporting : My account balance was reported inaccurately as $ XXXX, which is a significant discrepancy given my credit limit was {$500.00}. This erroneous reporting is a clear violation of my rights under the FCRA, which mandates accurate reporting of credit information. 
The fraudulent balance and late payments have resulted in a drastic drop of XXXX points in my credit score across all three major credit bureaus : XXXX, XXXX, and XXXX. 
Harassment and Collection Actions : I have been receiving daily spam calls from an automated system, which constitutes harassment. 
My account has been erroneously placed into collections, further damaging my credit profile. 
Request for Rectification : I demand that ( Elan Financial Services ) address XXXX XXXX XXXX, XXXX XXXX, Missouri Remove all inaccuracies related to the fraudulent balance and late payments from my credit reports with XXXX, XXXX, and XXXX. 
Adjust the balance to reflect the correct credit limit and remove any erroneous late payment entries. 
Restore Online Access : Reinstate my online access to my account to enable me to manage and review it appropriately.

Cease Harassment : Stop all automated and unsolicited calls related to this matter.

Cease Collection Activities : Remove any collection status associated with this account from all credit bureaus. 
Failure to address these issues promptly and adequately will leave me with no choice but to pursue legal action to protect my rights. The inaccuracies in reporting and the harassment I have endured are clear violations of my civil rights and liberties. 

Please consider this letter a formal notice and demand for corrective action. I expect a response within 15 business days of receipt of this letter. 

Thank you for your prompt attention to this urgent matter
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: The Outsource Group, Inc (NC)

I sent a certified Debt Validation Letter to XXXX XXXX on XX/XX/XXXX. They received my certified letter XX/XX/XXXX. It has been over 45 days and I have not received a response from XXXX XXXX. I received a letter stating that I had a balance due on file of {$130.00} on XX/XX/XXXX. XX/XX/XXXX I received a call from XXXX XXXX stating that I owe a total of {$180.00}. On that same phone call with the rep, I made a payment of {$50.00}, leaving the total due {$130.00}. Being that I did not have the letter on hand, they never told me why there was a {$50.00} difference 9 months later when I made the payment. The payment processed on XX/XX/XXXX.  However, on my credit report, they are reporting twice for two different amounts. One for {$120.00} and one for {$550.00} for a total of {$680.00}. Where are they getting this amount from? I asked for validation on these amounts and have not received anything. Both of these are incorrect. I did not receive a letter from this company before it was even reported to the credit bureaus with these amounts.
Consumer complaint received 2018-03-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (CT)

Late last year I submitted a complaint regarding primary residential mortgage company. I had made an arrangement to pay my mortgage current. Before this day even arrived they had mailed a letter to me regarding my mortgage being in default. They sent also sent someone to my home to hand deliver a letter with the same information. This man who delivered the letter, then stood in my drive way taking pictures of my home. My children were home and upset that this person was on our property taking pictures. I submitted a complaint regarding this matter and the mortgage company answered stating that they were justified. This in my opinion is harassment. This is my home. This is embarrassing and on the mortgage company 's part, very unprofessional. I may have had issues meeting my payment but my family and I still deserve privacy.
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I received an email ( XX/XX/XXXX @ XXXX ) from XXXX XXXX to check my credit score. As I checked my score, I just realized that my credit went down drastically. It said that in my " Payment history '', I was currently " 60 days past due '' on something. As I checked, the " XXXX XXXX  XXXX XXXX '' ( XXXX XXXX ) stated that I was late on my payment. 

From here, I called the XXXX XXXX  customer service number on the back of my credit card to double check my account balance. As I checked, they said " Your account is currently past due. Your current account balance is {$12.00} ... The balance on your XX/XX/XXXX statement was {$12.00}. Your last payment in the amount of {$74.00} was received on XX/XX/XXXX. Your next payment of {$12.00} is due by XX/XX/XXXX. Your XXXX XXXX XXXX XXXX account is past due. 

I then went online to check my XXXX XXXX account statements. I was able to check it online and it said in the XX/XX/XXXX statement that a " CREDIT PRO XXXX '' charge of {$0.00} was there and a " MINIMUM INTEREST CHARGE '' of {$2.00}. 



As I tried to click on the other statements, I received a " We're making improvements to your online experience. Some features may be unavailable on XX/XX/XXXX from XXXX AM to XXXX XXXX ET, and again on XX/XX/XXXX from XXXX XXXX to XXXX XXXX ET. 

XXXX @ XXXX '' and a " Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request. 

Please contact the server administrator, [ no address given ] and inform them of the time the error occurred, and anything you might have done that may have caused the error. 

More information about this error may be available in the server error log. 

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request. '' I did not authorize XXXX XXXX to enroll me in any program. 

Provided are the screen shots and the XX/XX/XXXX statement. 

I have also sent in a dispute request through XXXX XXXX for this transaction stating that I have no knowledge of this transaction.
Consumer complaint received 2018-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears showed up on my credit report saying I had unpaid debt, my credit score was reduced by over 40 points and I now have derogatory remarks. This was on XX/XX/XXXX. I freaked out because my credit score is important to me, so I paid the {$440.00} to HP Sears. I then realized that there's no way I could owe {$440.00}. I checked with my health insurance company ( XXXX XXXX of California ) and this charge, which was for the XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX, was actually covered by my insurance. The insurance company was a bit late in authorizing the coverage, but it did go through. I have the explanation of benefits to prove it. All I owe is {$25.00}, and I never received a bill for the {$25.00}, but I would absolutely pay it if they sent me the bill. I tried to get in touch with XXXX XXXX XXXX and have had no luck. I was on the phone repeatedly with HP Sears.  I sent them my explanation of benefits and they tried to accuse me of lying. I called to get them to admit they received my email with my proof. They admitted it. They said they'd issue me a refund. A month goes by and I noticed on Saturday, XX/XX/XXXX that my credit wasn't resolved. I even filed a dispute with XXXX, but they didn't take my side in the dispute even though I have evidence and contacted all the companies involved. So I called HP Sears yet again. I saw my credit card history and they NEVER issued me the refund that they promised, and they obviously never resolved the mistake they made that messed up my credit. I told them I wanted their agreement in writing, and I still have yet to receive that. I was able to get my {$440.00} that I was never supposed to pay in the first place back by contacting my credit card company. But HP Sears was supposed to be honest and issue the refund because I never owed the money, this was all due to their mistake, and they told me they had issued the refund. They've been scamming me and lying to me. I've been making phone calls again all night ( it's Saturday, XX/XX/XXXX ) and I can't get through to anyone. I have the proof. All I ever owed XXXX XXXX XXXX is {$25.00}, and they never sent me a bill so I can't pay it but I will pay it immediately if they would just send me the bill. I never owed {$440.00}. So my credit has been ruined because of this mistake and I have the proof that shows they messed up but no one is helping me fix it. I just want my credit score returned to normal. I don't know what else to do. The amounts aren't even consistent. I had to pay {$460.00}, and they attacked my credit for {$460.00}. The explanation of benefits said the original amount was {$440.00}, but that was before it went through insurance so I never owed anything anywhere near those amounts of money.
Consumer complaint received 2018-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I have not had the option to buy on my Coinbase account since mid XX/XX/2017. This has resulted in me losing out on the potential in 10s of thousands of dollars in return of my investments during the peak crypto market.

Their customer service is horrible! I have sent them over 15 emails with little to no organic replies, just not email replies. They even hung up on me during a phone call that i waited over an hour to get through.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. Transunion and Experian are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NV)

What is this complaint about?

EQUIFAX BREACH What type of problem are you having?

CALLS FROM UNKNOWN PERSONS THAT HAVE MY SOCIAL SECURITY NUMBER. INFORMATION RANSOM CALLS.

What happened?

EQUIFAX BREACH What company is this complaint about?

EQUIFAX Who are the people involved? MY SELF, EQUIFAX, DARK WEB, PEOPLE WITH MY SOCIAL SECURITY NUMBER, DL NUMBER, ADDRESS, HOME PHONE, JOB INFO, PAYMENTS & BANKING INFO
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Every month since this new company bought our loan from a different company they have been reporting as 30 or more days late. We have called Carrington several times to find out way they are reporting this and they state that we are not late and up to date. They still report as late. They took over at the end of last year. So we call every month and they state we are in good standing. Worst company ever.
Consumer complaint received 2018-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

on XX/XX/XXXX I made a payment of XXXX my loan. This amount would pay off one of my loans with Navient. When I checked they only on XXXX that went on the balance.. what happened to the XXXX dollars. I will be calling on Monday to find out this problem This is the worst company. Now I am wondering how many times they have taken my money and didn't appy it correctly.Thank you
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (FL)

Payment due date was one day earlier than I made payment online. No issues with my failure to comply on time. As I never revolve on these accounts, my concern was the average daily balance and interest continuing to accrue until the average daily balance was XXXX or less for the entire billing cycle. Discontinue using card for several months and paying extra to cover one extra day of interests and prevent minimum {$2.00} charge next month was my plan.

4 Options for payment online were 1 ) Full 2 ) Last Statement Balance 3 ) Minimum and 4 ) Other Since first 3 options all were for {$10.00}, I tried to pay {$15.00} using Other amount option. Would not allow stating it could not exceed Full amount. Full amount does not include unposted fees even though we all know they are accruing. This clear effort to prevent intentional over payments to avoid credit balances while also increasing revolving credit interest income seems very deceptive. To force me to mail or wire a separate payment via other means is not very efficient or consumer friendly in my view and I would ask that the Consumer Finance Protection Bureau seek to end this practice of preventing consumers the option to intentionally overpay to avoid additional fees or interest.

Thank you for your consideration.
Consumer complaint received 2018-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (CA)

In XXXX of XXXX I financed a car loan through XXXX XXXX  - a division of Santander Consumer USA , Inc. The monthly payment was {$500.00} with the first payment due on XX/XX/XXXX, the term of the loan was 72 months in length and I would make my final payment on XX/XX/XXXX. Over the term of my financing I ran into multiple difficulties in making my monthly installment. I was offered a deferment of the payment ( s ) that I was behind. Over the term of my loan, I deferred a total of XXXX payments. Each time I spoke with a representative of Santander they would advise me that my maturity date would be extended and I would be charged a fee of {$25.00} to defer my payment ( s ) and it would bring my account back to good standing. I would be recorded accepting the payment deferment, it would be reviewed and within a week my account would reflect current. I would not sign any paperwork for the maturity date extension. After my final deferment, my new maturity date was now XX/XX/XXXX. As I approached by maturity date I noticed that I still had an unpaid balance of {$6000.00} and knew it would not payoff by XXXX. I called and spoke with several representative at which point they referred me to their Office of the President for resolution. I tried to understand that if my maturity date for each deferred payment was extended how could I still owe so much? I was told that after any payment deferment my loan would turn into a " Daily Simple Interest '' loan if I fell delinquent again. I was never told that or did I sign any paperwork with that understanding. Because I needed my car to go to work, their OOP offered me a loan modification for the remaining balance. The balance I owed was then a new term and maturity to payoff my loan. I continued to try and understand how it was possible for Santander to extend my maturity date and turn my loan into a XXXX loan without my knowledge. I am currently still paying a monthly payment to Santander to payoff this balance. On two occasions I have asked a representative to please provide me a copy of my original loan note so that I can review to see if there is verbiage stating that if I accepted a payment deferment, my loan would be subject to XXXX terms. On both occasions, I received only page 1 of my 3 page note. I would like someone to provide me with how and where I was told about the XXXX factor in their payment deferral process. I felt so much appreciation when Santander offered me help through some very difficult financial times during my loan, but never expected that the additional 8 months of loan payments I made through their deferment program would still have me owing {$6000.00}. I am looking for confirmation that Santander 's practice is ethical and within Fed Reg guidelines. I want to ensure that others in my same situation do not accept consumer assistance programs from Santander when the consumer is unaware of the consequences of these programs.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (PA)

I have about 14 credit card inquiries that I have no knowledge about, I am a victim of identity theft where some one opened credit accounts with my information, I filed a complaint with the police department and credit companies and also filed credit fraud but they will not remove them..dont know what else to do..
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I definitely understand the importance of good credit and being a responsible person. During the year 2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted XXXX to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill  letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is incorrect information being reported on my XXXX  credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I went online to retrieve my free annual credit report. After filling out the identifying information, my report was generated online. On the online report, there is a large radio button Show Me My Score Now. Underneath the large radio button, there is a hyperlink " Or buy your credit score here. '' I selected the Show Me My Score Now radio button and I was prompted to create an account. I created an account and selected Next. The next page prompted me to give TransUnion a credit card number. There is no information whatsoever explaining costs I will be charged BEFORE giving TransUnion my credit card information. This is totally unacceptable. First, if there a hyperlink " Or buy your credit score here '' under a large radio button Show Me My Score Now, the consumer will obviously think by selecting the Show Me My Score Now button, he or she will not be charged. This display is misleading. Second, even assuming the consumer agrees to pay the fee, there is no information whatsoever of how much will be charged. Costs of obtaining the credit score need to be displayed BEFORE credit card information is requested. This is a classic " bait and switch '' tactic and totally unacceptable, especially in view of that this is my credit history information and affects my life in many ways.