davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

Okay so after continuously disputing with XXXX XXXX to remove the false record that they placed on my Early Warning Services Report, ( someone had falsely applied for a student loan with XXXX XXXX, and also added a cosingner ( unauthorized ). I did not know until XXXX XXXX XXXX XXXX Placed A Hold on my account because of the EWS reporting, I then called in to dispute, XXXX XXXX XXXX had refused to offer me any information or help so I contacted you guys CFPB and they finally investigated and agreed to Permanently remove their records from EWS. ( TAKE A BREATH WITH ME BECAUSE THERES MORE! ) That entire process took about two months for you guys ( CFPB ) to solve it in about two weeks. Wow. NOW, I went ahead and contacted EWS just to make sure both companies were on the same page, and EWS tells me that XXXX XXXX cant request for the records to be removed, EWS says they provide access to banks and credit unions and and its up to XXXX XXXX to remove it which is frantic because they removed my record from another company. So now EWS will keep the record. I offered to send them the letter they provided me an email and told me I can use the letter to start a new disputing process which could take possibly another two months meanwhile my account with XXXX XXXX is still on hold!
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank charges an extra balance inquiry fee on top of the regular non-network fee for using a non-Wells Fargo machine. I have never seen that fee at any other bank before. Also ATMs in XXXX usually ask if you want to do a balance inquiry first before the transaction occurs. I always answer no. Wells Fargo charges the fee anyway.
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Not Liable, Car Was A Lemon, Repossessed. And Auctioned!

Unfair And Illegal Interest Rate 24.99 % NYS! 

Requesting Credit Acceptance Corps To Delete and Cease To Exist Their Predatory Damaging Information On All Three Of My Credit Report 's ... XXXX, XXXX and XXXX! 

First Formost Violated My Equal Credit Opportunity Act As A Consumer. And So Far Violated NYS ... Ucc Law 9 - 610, General Business Law 349, Gen. Oblig. Law 5 - 501 ( 1 ), Banking Law 14 a ( 1 ) And NYS Lemon Law In June/2012 In need of a car for work. I walk into one of Credit Acceptance Corps car dealership XXXX XXXX XXXX XXXX in XXXX NY with {$2200.00}. The car was {$12000.00}. They said they help me finance the rest at 14 % Interest. Unaware of loans and interest and there persuasionion tactics they had me sign papers for the car. I left the Car Dealer with two documents. # 1 Document ... Retail Purchase Agreement a break down taxes, registration and sevice contract, totaling {$14000.00}. # 2 Documents was registration and inspection papers.The car was a Severely Corroded and a Mechanical Lemon ... corroded undercarriage, transmission clucking noise and hard knocking in the engine. No one would honor the service contract because of the severe mechanical issues. I contacted Credit Acceptance Corps and XXXXXXXX XXXX XXXX XXXX the car dealer about the issues with the car to no avail they suggested that im responsible to get it fixed. Four years later XXXX i got sick missed a monthly payment. Without notice Credit Acceptance Corps Repossessed the car and auctioned it without giving me notice. 
In XX/XX/XXXX i recieved a collection notce from a law firm hired by Credit Acceptance Corps to collect some balance. That collection notice came with a # 3 Document i signed but was never given to me when i first recieve the other documents when leaving with the car XXXX. That third document had the true finance break down including the interest rate they charge me with which was 24.99 %. 

Once Again And Keeping It Briefly ... Requesting Credit Acceptance Corps To Delete and Cease To Exist All Their Info On All Three Of My Credit Report 's ... XXXX, XXXX  and XXXX. 

Not Liable, Car Was Lemon, Repossessed, Auctioned ... NOT LIABLE! 

PS ... NYS Consumer Affairs, NYS Attorney General, NYS Civil Suit and NYS Criminal Law ... ( Penal Law 190.40 ) Thank You CFPB!
Consumer complaint received 2018-04-19
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. (PA)

I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to XXXX XXXX company on 2 instances in XX/XX/XXXX without resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. I have also informed Experian without resolve. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled onXX/XX/XXXX. While an indicator of factual information, FCRA says information added via fraud may not remain on one 's report.
Consumer complaint received 2018-09-13
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. (GA)

Dear Credit Bureau : I pulled a copy of my credit report and noticed a fraudulent account. 

Creditors : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX  Account : Reason : i I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) I have submitted request to Consumer Financial Protection Bureau to received documentation regarding these matters and the companies have not responded in a reasonable amount of time. These fraudulent accounts were not authorized by me.. 
Thank you. 
Attached is the police report and Identity Theft Report.
Consumer complaint received 2024-09-02
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. (MO)

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debtor may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX
Consumer complaint received 2018-04-21
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. (FL)

On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, XXXX and Experian ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
Consumer complaint received 2018-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (VA)

I just pulled my credit and noticed there was a collection account listed on XXXX and XXXX for XXXX XXXX XXXX. This original debt belonged to XXXX XXXX which is a cable company. 

I moved from my apartment to a house in XX/XX/2017. I could not transfer the service because they did not provide service at my new residence. When I cancelled I had equipment I needed to hand in and I had a final bill. I went to their XXXX, VA store and dropped of the equipment. I told them I wanted to pay my final bill as well but the representative told me he could not tell me how much was owed since the equipment was still showing on the bill. He advised me that they would send me a final bill and I provided him with my new address which he appeared to enter into the system. 

I never received a bill and quite honestly, I completely forgot about it. My mail is forwarded from my previous address so even if they did not properly update my new address, I still should have received the forwarded mail. 

To date, I have never received a final bill from XXXX XXXX and I have never received ANY correspondence or phone calls from XXXX XXXX XXXX. 
Do I owe the debt? Yes! Will I call the cable company and pay it? Yes! BUT, I should not have this reported on my credit report when I did not receive a final bill and never received any correspondence or any communication of any kind from the collection agency.
Consumer complaint received 2018-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I graduated college in 2010, 8 years ago with a total debt of XXXX. Now the current principal balance is XXXX? It has been 8 years and I havent even touched the principal on my private student loans with Navient. Also the only federal debt that I have paid off over those years is a grand total of XXXX . I feel as though I have been misled, and convinced to go into certain payment options that did not benefit me any way. There had to have been a misallocation of the money I was shelling out to them over the years. I also have tried multiple times to get them to work with me on repayment options, Income based repayment etc. and have been denied. I have a daughter, wife and home to support and they will just not bend for me. Then it wasnt until today where I did some digging only to come to realize that 3 our of 4 of my private student loans had not only not been paid down, but I owe more money on them now. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle balance is XXXX , XXXX $ added. 

So over the course of 8 years not only were my loans not paid down, I actually owe more now. Do note, during these past 8 years I have been paying them through automatic debit and online. I feel as though I have been treading water for 8 years instead of making any headway on the 9 loans I have with them. I feel as though this company is misleading and of no help to the students that they bound up for life. Pretty unethical if you ask me, if you can help in anyway I would appreciate it. Thanks for your time. 

XXXX XXXX
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (DC)

On XX/XX/XXXX XXXX I applied for a small personal loan {$2900.00}. I went through the pre-application and the hard inquiry. I provided online ID verification through their system. I tried to provide them access to my XXXX XXXX Bank information by logging in through their special login page. I ran into an issue wherein I was asked a cryptic question that is not one of my bank security questions. I was called by Avant the next morning and I filed an issue complaint with them about the bank login. I received three calls on the following 3 days. Each of these callers had no idea of my complaint. Finally I had to escalate it through a supervisor. I spoke to my bank to verify that this was not a question on my account. I missed a couple calls from Avant that were placed an odd times ; dinner and such. Then on the 7th day I received a email that my application had been cancelled. I called and spoke to a supervisor who quite rudely and shortly told me to reapply. When I said that I would still have the same issue she cut me off and said, " I already told you the only thing you can do is reapply. '' I ended the call. They had my intent to proceed and my complaint filed repeatedly and still they closed my application early and refused to revisit it. I can not reapply because the inquiry without the additional account has pushed down my score.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

On XX/XX/2018, I contacted customer service to activate a " lounge key '' program benefit that I was previously told I would be eligible for after XX/XX/2018. I contact XXXX at an XXXX Customer Service Call Center, whom initially told me there was no such benefit. After asking to speak to his manager, I was placed on hold for approximately 15 minutes and then told I would have to speak to the benefits team. 

I was then transferred to the benefits team and spoke with XXXX of the XXXX call center. XXXX did not provide her last name, employee ID number or Call Center City stating she is not allowed to give out that information. 

I was instructed by XXXX that I had to contact XXXX XXXX  in order to get this benefit activated. I explained to her that my credit card was not an XXXX XXXX card and that it was a XXXX XXXX XXXX - and XXXX  XXXX benefit - that required Citibank 's activation. XXXX placed me on hold for 10 minutes and then stated she could not assist me and that I would have to speak to customer service. I requested to speak to a manager and was told that no manager was available.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC (NC)

Applied for a mortgage loan through XXXX XXXX and have had my credit ran without my consent by Credco twice ( XX/XX/2018, and XX/XX/2018 ). Both hard inquires have shown up on my credit report and the company phone number does not match even though it's located in the same city. The hard inquiry company information is : 1 ) Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2016-01-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/13, without my authorization, Bank of America withdrew {$29000.00} from my personal account to charge off my company credit card ( XXXX - Bank of America ). My corporation had a separate bank account and a Business card account with Bank of America not linked with my personal account.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

On XX/XX/2018 I applied for a conventional mortgage loan with Quicken Loans. After discussing a few mortgage options with one of their Mortgage Bankers, I plainly stated I wanted a loan estimate on a 30 year conventional loan. I've now requested the loan estimate 3 times in writing and each time the Mortgage Banker has replied with a request to talk over the phone. His written reply to my third request is : " Yes I know what the loan estimate is. I have a big discount in your loan and to send the loan estimate we have to fully approve the discount. In order for my director to approve that, we need to know that you guys are willing to move forward. '' This process seems backwards to me and somewhat predatory. Why would I commit to a mortgage without first reviewing all the details of that mortgage.
Consumer complaint received 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Equifax that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NY)

Hello, thank you for being a resource to help. I have been trying to get this debt removed from my credit reports. I have contacted the collection agency and they have not been helpful, I explained this is not my debt. I contacted the credit bureaus ( all 3 ) and each time I challenge the debt the collection agency removes it ( too skirt the FCRA ) and then place it back on days later. They have done this at least eight times. Probably more.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TN)

I contacted Conns on XX/XX/XXXX inquiring why I had a 30 day late payment for XX/XX/XXXX and it is inaccurate. Conns is reporting to the credit bureaus that I was 30 days late paying My XX/XX/XXXX bill but that is false. I paid them XX/XX/XXXX and the bill is due on the XX/XX/XXXX of each month. and also paid again on XX/XX/XXXX so there is no way that my XX/XX/XXXX payment can be late. I have tried to resolve this issue with them but they have rejected to have this item removed from my report. I have bank statements that show they were paid on time for the month of XX/XX/XXXX
Consumer complaint received 2018-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX18 I contracted with XXXX XXXX to do a home improvement job to begin on Monday, XX/XX/XXXX18 ; moreover, in order for the job to begin on Monday, 1/3 of the payment ( {$6400.00} ) was due XX/XX/XXXX18. Since I was not in the same city as the contractor I chose to use PayPal to send the money to the contractor. PayPal immediately withdrew the money from my Visa card and I immediately received a notice " payment sent '' from PayPal. 

I thought everything was all set until when I called the contractor on Monday morning to remind him not to put the dumpster in front of the house ; I was then told that the money never arrived from PayPal. 

I contacted PayPal and inquired what was going on. I had used PayPal on numerous occasions and the money has always been available within 5 minutes. XXXX, the first rep stated that the money was there and the construction company needed to receive it. He also told me to click the " services received button '' and that would speed up the process for XXXX XXXX to receive the money, so I did. 
Since I've never received any money from PayPal, I've only sent money, so I am not familiar with what " receive it '' meant and neither was XXXX ( XXXX XXXX  ). 

XXXX ( XXXX XXXX ) and I conferenced called PayPal multiple times for help with receiving the monies to no avail. I called everyday and on Thursday I totally lost my patience with PayPal Supervisor XXXX ( Employee # XXXX ) because PayPal has my money and will not release it to the company nor will they refund it to me. I am paying interest on my Visa card while they hold my money hostage in their black hole. 

PayPal now instructed me to file a dispute against XXXX XXXX. Now I am totally confused because I don't have a dispute with the construction company I have a dispute with PayPal for NOT Sending moreover, Keeping my {$6400.00}. The rep assured me that this is how I would get my money back ; so I did the dispute. THEN I was told that they would hold on to the money until XX/XX/XXXX18 while they investigate. What is there to investigate? PayPal has the money, PayPal won't send it to whom I requested it be sent to and when I requested that PayPal refund my money immediately they have to investigate? This company is clearly out of integrity. I want my money back is all. They didn't provide any disclosures that state this madness ( any holding time before dispensing funds ) They have a bunch of reps that say anything to get you off the phone, additionally each call created a bigger mess that it was before. I need help. I want my money back and I do not want to pay XXXX cent in interest because of what PayPal has done. XXXX - Employee # XXXX was the supervisor that I had my last discussion with.
Consumer complaint received 2015-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America purchased my loan from Countrywide. The loan statements at that time and since then have been extremely inaccurate with over XXXX " Misc '' postings XXXX in excess of {$100000.00}. I have requested an explanation and corrected loan statement many times without one being furnished. Bank of America latest loan servicer - XXXX XXXX XXXX now say that the information is not available. Bank of America is still using the amounts that they can not substantiate as the amount due on the loan.