davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Initially, I brought a used car from the dealership and Fifth Third Bank offered me a loan. The first month I had full coverage insurance but the second month, I did not. New to the auto game, I received a huge bill for approximately {$2500.00} at the end of XXXX or start of XXXX. Upon calling the bank, the bank reimbursed me approximately {$2000.00} and {$500.00} dollars was still left off since I had no insurance for only 1 month. I paid that amount approximately 2 months later. Recently on XX/XX/2019, I received a bill from Fifth Third Bank that I had a payment due of {$450.00}. On XX/XX/2019, I called the bank that why when I paid the insurance bill already. They stated this is my regular installment payment. Please note, my monthly payments were always {$390.00} and NOT XXXX. The bank representative put me on hold and transferred me to their third-party insurance company without resolving the issue and having any specific reasons. The insurance company notified me that I need to submit proof that I had insurance for the missing month they have on file. I notified the representative that I DID NOT have insurance and I had paid the fee associated with that. Then the insurance representative stated, they will have to connect me to the bank again. Without any resolution, I am getting bounced around which is not helping the issue and further hurting my credit. I received no help and I am now left stranded. Conclusion : My payments increased without any notification or specification which is completely fraudulent. Please note, I have received no notification at all for this change and the change is unjustified by the bank. Further, the bank demands the money which has already been paid off. Furthermore, please see attached bank statements, there is a third party company named ( XXXX  ) that automatically withdraws {$200.00} dollars twice every month to satisfy the monthly payment of Fifth Third Bank of {$390.00} in which extra {$12.00} is their service fee. Lastly, please see the notice by the bank dated XX/XX/2019, in which it shows the monthly payment increasing by almost {$50.00}.
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (KY)

Received a debt collection letter in the US mail from Navy Federal Credit Union ( NFCU ) ( in error ) for {$1000.00}. 

Spoke to the customer service representative at XXXX, XXXX concerning the debt letter. Advised them I CLOSED my accounts. Approximately 2 weeks ago I went to the XXXX branch in Kentucky and closed my accounts. Customer service issues over the years. The representative finally tells me " it was sent out in error, disregard ''. Not willing to send a written retraction. Asked to speak to the manager and was DENIED. I did NOT believe it was accidentally sent out. 

A supervisor by the name of XXXX answered the phone, and told me I closed the accounts improperly and it appeared to be a debt. The XXXX branch closed the accounts, not me! No letter of retraction, or written apology offered. I do not know what to believe from Navy Federal Credit Union. This may impact my credit, so I am sending a copy to XXXX XXXX. This warrants harassment by NFCU. 

I closed my accounts 2 weeks ago and I asked for a cashier 's check. It was given by the XXXX branch in Kentucky. I took the check and deposited in a bank near my address in XXXX, KY. I was a member for 34 years. Retired from the service in XX/XX/XXXX with 24 years of honorable. I have had one problem after another with NFCU. 
Too numerous for this posting! Get wise and bank with XXXX.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I applied the Best Buy Visa Credit Card ( Citi ) and was trying to setup the online payment account today ( XX/XX/2019 ). The credit Card system has problem and won't allow me to logon and schedule payment at all. I contacted multiple agents ( 5+ ) and 2 supervisors, I followed their instructions to reset password, changing browsers, devices and reset the profile. However, none of the method work and I requested them to report the issue to their technical team. They refused to do so and claiming that there is nothing else they can do after exhausting all the standard procedures. They keep on saying to wait 24 - 48 hours  and try to login. Since there is a system error, unless they report it to the technical department and fix it, nothing will change. I have a feeling that they are trying to mess up the client 's online account so the client will miss the payment.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, 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. (CA)

I have never applied for credit and never submitted a auto loan application with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX On XX/XX/2019 I reviewed my 3 bureau credit report when I was alerted from Experian credit monitoring service there was an inquiry on my credit report. 

Inquirer name : Experian Report : XXXX/XXXX OF XXXX XXXX On XX/XX/2019 I called and spoke to Sales Manager XXXX XXXX and he said he would look into it and have yet to hear back. I have also placed numerous calls and left voice messages requesting a call back and resolution. 

Experian states that Inquires are not disputable.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX/XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was looking at my credit to see what all I needed to do to qualify for a mortgage loan and noticed several accounts that I didn't recognize. So I pulled all 3 of my reports and saw multiple items across all 3. I knew I had to do something. So I decided to take action to get these items removed.
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (SC)

I contacted the company to have it removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply you with an agreement between you and creditor and they have failed to do so, so i do not owe the bill.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONDOR CAPITAL CORP (NC)

On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX  XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

In XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until XXXX, XXXX and Experian have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to  keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an RV park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Revenue, Inc. (NC)

The collection agency has re-aged this account according to the original creditors date of first delinquency. I disputed 2 accounts with XXXX XXXX XXXX regarding the balances of {$700.00} and {$1300.00} which was successfully deleted on XX/XX/2018. The 2 accounts reappeared under a new collection agency Eastern Revenue Inc. with a new date of XX/XX/2018 being the start of the collection. Currently I disputed and currently Im waiting for a response but I know its against the law to re-age an account to look newer than what it actually is. The original creditor is XXXX XXXX XXXX.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (CA)

A job offer ran my credit report and this was on my credit. I sent in all paperwork requested except police report as they would not release any information to me. I did not open a card I think it is. I asked them to send me information on this account also and they will not provide it. XXXX XXXX XXXX ACCOUNT XXXX {$230.00}. Several emails
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX/XXXX XXXX located at XXXX XXXX XXXX. in XXXX, TX XXXX, regarding an unauthorized hard credit inquiry that was performed on XX/XX/XXXX. I asked the company to immediately investigate the unauthorized inquiry and to remove it within 15 days once the investigation supported that I was not the party applying for an auto loan. On XX/XX/XXXX, an employee of XXXX XXXX called me and stated that he saw where an application was submitted on XX/XX/XXXX for someone with the same name. Upon asking him to provide me with a copy of the application that shows I completed the application and signed it, he stated that their company did not have a copy due to it was a verbal application in which another employee entered the information. After the employee argued with me for more than 3 minutes, his end sentence was that he will not submit for the inquiry to be removed due to a valid social security number was entered. After I expressed several times that I did not submit an application and requested for verification within 15 days, the employee still refused to adhere to my request. Before I submit a suit against the company I wanted to make the Bureau aware of car companies that feel that they can pull anyone 's credit without their consent. This has affected my credit score in which I've worked very card to protect.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Purchase vehicle on XX/XX/XXXX from XXXX. I put {$2000.00} dollars down on a XXXX  XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.
Consumer complaint received 2019-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (TX)

RE : Revocation of authorization for debits Company : OPP Loans To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (GA)

I previously just filed a police report # XXXX with the XXXX police stay about these fraudulent accounts please investigate and delete these unknown inaccuracies XXXX XXXXXXXX # XXXX {$4700.00} XXXX XXXX # XXXX {$5000.00} XXXX XXXX # XXXX {$19000.00}
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (AZ)

Early XXXX, I spoke to a representative and they offered a 2 month deferment.  I submitted the information onXX/XX/XXXX for the two month deferment.  Today I got an email from a XXXX XXXX XXXX  stating they have been trying to get a hold of me.  I received phone calls prior to signing the deferment.  AfterXX/XX/XXXX when I submitted the deferment, i received no phone calls... So, I assumed everything was processed and taken care of... Today I spoke to a manger by the name of XXXX and she explained the deferment was expired. The representatives at this company have bad manners and are very rude.
Consumer complaint received 2019-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc. (CA)

In XX/XX/XXXX, I visited XXXX Hospital in XXXX, WA. Following the visit, I was billed directly by XXXX and handled payments accordingly. 

In XX/XX/XXXX, I was notified that Renton Collections had entered derogatory information on my credit report for an unpaid account referred to it by XXXX XXXX XXXX ( XXXX ), which I had never heard of. After some research I learned that patients discharged from XXXX Hospital are billed by XXXX as well as a separate company representing some of its doctors. 

I have never received any bill from XXXX nor any notice or correspondence of any kind from Renton Collections. I had no chance whatsoever to pay this account before it went delinquent because I didnt know it existed. 

Following my hospital visit I moved out of state at which point I promptly updated my billing address with XXXX, which began mailing its bills to the new address accordingly. Even at that point before moving I never received any other medical bill ( other than for an ambulance ) at all. 

Apparently XXXX and Renton Collections both have a history of doing this, giving patients no notice before referring debts. After this went onto my credit report in XX/XX/XXXX, I called XXXX to request this account be recalled from Renton Collections because I had received no notice. As of XX/XX/XXXX, the account remains on my credit report ( and still I have received no correspondence from either company ). I followed up with both companies ; XXXX indicated it would refuse to recall the account, and Renton Collections declined to remove the account from my credit report even if it were paid in full.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX kentucky XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account : XXXX Number XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, number : XXXX which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a monthly automatic payment set up to take the statement balance as payment when due. However, I made a manual payment on XX/XX/2019 to pay the entire balance and on the XX/XX/2019 due date, the entire amount was taken again from my bank account, even though the account balance was XXXX. 

I called and was told, " we know that happens, we just deal with it when someone calls. '' This doesn't seem like the appropriate procedure to have. One would think if they know the system is cheating their customers by taking more than they deserve, they would make a system change.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

We recieved a loan modification a couple of years ago. Since then, my mortgage payments have not beed posted properly. My payments aren't credited right, they are often reversed and put in " unapplied funds ''. Late  charges aren't credited properly. I contacted Wells Fargo and had them do 2 reviews on my payment history, to which they claim nothing is wrong but it is not normal to have every mortgage payment to be posted incorrectly until I bring it to their attention. Wells Fargo has been my mortage provider since 2004. We purchased the home in XXXX.2004 for XXXX, had XXXX down. Now I still owe XXXX 15 years later???? Something is WRONG!!! I would like the entire loan looked at for possible fraud, I no longer trust this company due to reaching out to them and them telling me that the posting practices are normal and my mortgage status is correct ... I am not so sure. My late  fees are always included, but never posted. My mortgage payments post to unapplied until I call them to get them credited. I have documented this activity for two years.
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (TX)

Amsher collections recently had contacted me by phone on several occasions in an attempt to collect a debt. I was asked for personal information and then I asked what was this debt concerning. When I told the representative that this was not mine, because I am still actively still with the company she claim this debt is from, she began to speaking very sassy and argumentative about she knew it was my debt of $ 600+ and I was going to pay. I continued to explain to the representative that I still have active service with this company which is XXXX XXXX so how is it that I owe them {$600.00} + dollars but currently talking on my device??? She then told me she would follow the next step and began filing on me and now my credit has negative remark from an account that does not belong to me.