davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: BlueChip Financial (NJ)

I took a loan thru spotlon.com and paid that loan in full on XX/XX/19 on the amount of {$740.00}. 
On XX/XX/19 spot loan debited my checking account {$41.00}. I contacted spotloan and they acknowledged the debit was done in error and I would receive a refund. I have contacted them several times since and have been given the run around that my refund was being processed and they need to verify my mailing and email addresses. Ive verified them 3 times now and still have yet to receive a refund.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has on my report that I have a closed fraudulent account with XXXX system. This information is false and incorrect. I have a credit report from XXXX system whom I also called and there is no fraudulent or delinquent closed account being reported by them. 
Attached is a copy of the information being reported by trans union also a copy of my XXXX system report showing no fraudulent or delinquent account or information
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (FL)

I have a Citi AAdvantage Platinum Select World Elite Mastercard and one of the card benefits is access to XXXX score. I had agreed and activated this feature several years ago but see this credit score variant is much different than credit scores from other sources even from the same reporting agency ( XXXX ). 

This information has been used to provide promotional offers and then the ones I have selected, have been rejected as an adverse reaction. Given I can get better information and experience elsewhere, I have contacted Citi Customer Service times to deactivate the access and reporting of my credit information. I have been transferred to numerous departments and even asked to contact the credit bureau to deactivate the Citi credit card feature. I have asked on many occasions for this to be deactivated. I have this same service from other credit cards and have no issue turning on or off the benefit with other banks. 

At this point, I just do not want to access my credit report information from Citi. Further, I do not want to provide authorization for sharing my personal credit report information with Citi on a regular basis.
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CO)

I have tried to contact Cavalry on multiple occasions regarding an account they are reporting on my credit report. I have called and each time I call they say they don't have information on the account that XXXX XXXX XXXX does, and they transfer me to them and then I cant get ahold of anyone at this office, This debt was paid XXXX of 2021. I am submitting the settlement letter from XXXX & XXXX dated XX/XX/2021 and the confirmation of payment made.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance Has failed to report payment history correctly on the vehicle loan that was actively open during the time period XXXX Thru XXXX. Payments where not reported correctly starting XX/XX/XXXX Thru XXXX of XXXX. There was no payment information report to all three credit reporting agencies. There was a covid-19 impact reporting freeze place on my account that I did not authorize and done with out my permission. Also There was a late payment on XX/XX/XXXX. That was incorrectly reported the payment was not late. Please update this information immediately and correctly to all three credit reporting agencies. for all months that wasn't reported immediately.
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (UT)

On XX/XX/2019 we took out a mortgage in the amount of {$340000.00} to purchase a home in XXXX XXXX, UT. The plan was for this loan to be a bridge loan until we sold our home in XXXX XXXX, AZ. 

On XX/XX/2019 I requested wiring instructions from XXXX  XXXX XXXX so that I could make a {$260000.00} principal payment. I was denied the information because XXXX XXXX XXXX was selling our mortgage to Plaza Home Mortgage and I was told that I could not make any payments until XX/XX/2019. 

On XX/XX/2019, I requested the wiring instructions from Plaza Home Mortgage and again was denied the information necessary to make the principal payment. I was told that my account was frozen until XX/XX/2019. 

I have been paying hundreds of dollars in interest on a {$340000.00} loan when I should only have ben paying interest in a {$85000.00} loan since XX/XX/2019. 

After numerous complaints to XXXX XXXX XXXX  and a call to the XXXX XXXX XXXX XXXX XXXX XXXX, refunded interest from XX/XX/2019 XXXX XX/XX/2019. 

I have however still payed interest from XX/XX/2019 thru today XX/XX/2019. 

I have tried over and over again to talk to a supervisor at Plaza Home Mortgage. I have been kept on phone literally for hours without  successfully speaking to anyone. I have left messages for a supervisor and have not received a returned call. 

Can you help? 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to XXXX XXXX back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted experian, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX  XXXX. I called XXXX  XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell experian that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

On Monday XX/XX/XXXX, it was brought to my attention from my home lender that I had a collection from Enhanced Recovery Company with the originator as XXXX for {$2000.00}. An account was created under my name sometime in XXXX and the collections were filed under my XXXX and XXXX reports on XX/XX/XXXX and XX/XX/XXXX respectively. 

I have never had a XXXX account and don't hold any email or physical records of creating an account as well as bills sent to my physical address or e-statements sent to my email address. I also don't have any payment methods linked to a XXXX account. 

On Thursday XX/XX/XXXX, I called XXXX to clarify any billing information under my name and they told me an account was closed and there were no records of payment. 

Today, Saturday XX/XX/XXXX, I went to the XXXX  store to gather further information regarding this account. The store representative showed me an address based out in XXXX, XXXX  with two different phone numbers that I have no affiliation with as I live in XXXX and have never visited XXXXXXXX. I have attached a couple photos of the address that was used to purchase 2 XXXX 

I have clarified with XXXX that this account is fraudulent and that I have no association with this account other than my credit being adversely affected as a result of the collection from Enhanced Recovery Company listed on my XXXX and XXXX credit reports.
Consumer complaint received 2023-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Got call with Wells Fargo in caller ID 2 days after my debit card was compromised. Caller said someone trying to wire funds from my account. Caller correctly verified y last 3 transactionsand said I had to wire funds to investigator to stop wires from going through. I only thought it might have been legitimate because of recent fraud on my account. Wells Fargo has refused to return scammed money, despite being an excellent customer for 30+ years. supposedly the daily max for wires is {$5000.00}, but I was allowed to wire {$12000.00}.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I'm concerned about the additional products that I was told I had to purchase plus the high rate of interest down payment etc etc with credit acceptance I filed a complaint with the attorney already but I mean I'm trying to make sure that I follow through with all the steps
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX XXXX XXXX Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dispute XXXX. XXXX XXXX XXXX, TX XXXX XXXX   dispute tips XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was fraud on the part of the collection agency. 

When I called the hospital XXXX XXXX XXXX XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. 

So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. 

I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). 

Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. 

DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.

1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.

2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. 
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Called XXXX XXXX and spent two hours trying to close account. Submitted help desk ticket for IT assistance, and for two months XXXX kept calling getting routes to different departments : security, checking, business analyst, IT all making excuses that I couldnt close my account. I had an INC # for assistance to be escalated and no help. I keep getting the runaround and was told I needed my husband on the call to close it but then they said I didnt. No transparency and they admitted theres no other reason why I cant close my account : XXXX balance, no transactions for months. Also same issue with my savings. Ive spent over 20hrs on the phone getting routed. Then they wouldnt let me get contact info for litigation.
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

I have had a few debts from XXXX XXXX sent to this particular debt collector called California Credit Bureau. I have just paid for another one today. 

First to note, is that XXXX makes their billing system very confusing, and it is very difficult to understand their billing and insurance statements. For example, we pay all co-pays ( typically {$30.00} - {$100.00} ) for my family of 5 at each visit. Often, XXXX will bill the co-again on the follow up bill. We dont pay it because we KNOW we paid it at the office, etc. 

The issue is that this collection agency uses virtually NO communication, which makes it impossible to resolve prior to going to collections. I think they are actually doing this on purpose so they can make the added fees. They claim they leave phone messages - of which I have never received one. I verified my phone number and address they have on file. I do get some phone messages that sound like robo-calls occasionally, but the first 5 - 10 seconds are cut off and you hear the dialog only say ... .call 800 ... but not identify who it is or what. 

On this last collection of XX/XX/XXXX for {$180.00} ( which I just paid ) I asked when was the last written communication for this and verified my address. They said XX/XX/XXXX for a debt incurred in mid XXXX, and recorded a collection on my credit in XX/XX/XXXX. They said they made no communication to me from XXXX to XXXX of XXXX, and only sent 1 letter back in XXXX. This seems predatory to NOT attempt to communicate and them trump up the charges and record a collection on credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX,
Consumer complaint received 2019-10-07
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: Mobiloans, LLC (TX)

Reference CFPB Complaint ID XXXX Date XX/XX/19 Since the last complaint I have provided MobiLoans with a Police Report and FTC ID Theft form, regarding a fraudulent account set up in my name. Also, I submitted a notarized MobiLoans ID Theft form to them. Mobiloans, knowing the account was in question, and in possession of all these previously mentioned documents, MobiLoans preceded in bad faith to hit my XXXX  Credit report with a 30 days past due notice which is unfairly affecting my credit score. This is not my account or my debt. The account was created by an Identity Thief. Mobiloans needs to acknowledge their mistake and immediately remove the 30 day past due notice from my credit reports.
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Good morning, i would like asking your help returning funds that was mistakenly between Bank of America 's accounts. 
Claim Number XXXX with Bank Of America. 

the funds were mistakenly transfer I admit, however, i notified the bank 10 min after it happened. the bank did very little to nothing to recover the funds and contact the person the funds were transfer to. 
they are hiding behind legal terms and taking no action and very little responsibility of the situation.
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A SEC 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 25 USC1666 B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARDACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE
Consumer complaint received 2019-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There were a number of issues with this credit card and the charges, but the current problem is this charge off by XXXX XXXX XXXX # XXXX was in XX/XX/2011 and the charge off still appears on my credit report.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I recently went out of town to Hawaii. During this time a transaction was made on my account for XXXX XXXX for {$1600.00} on XX/XX/XXXX. They said an alert was sent however I explained I was flying and I have proof of my plane ticket as well if needed. I don't believe it's been thoroughly investigated. No one can give me any info, provide any information an invoice, or receipt, it says online does it have my email or anything showing I authorized this transaction? This has made it hard to keep up with some of my outstanding bills.
Consumer complaint received 2024-11-20
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. (NJ)

I am XXXX XXXX, and Im 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 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I sold my property at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2019 and the mortgage company, Specialized Loan Servicing, was paid in full on that date. My Loan number with SLS was XXXX. 

The payoff amount of {$420000.00}. This payoff amount was good through XX/XX/2019 it included a daily interest calculation of {$120.00} and a late fee of {$150.00} in the event that the loan closed on XX/XX/XXXX. 

Since the loan closed on XX/XX/XXXX, SLS owes me a refund of 16 days interest and the late fee. I calculate the total as {$2000.00}. I have called SLS 5 times regarding this matter and they seem to act like they don't know what I'm talking about, or a different department handles it, but they won't transer me, or they are working on it and the check is in the mail. I have also asked to speak with a supervisor and was told that one would call me back within 48 hours and that never happened.

I have two requests. The first request is that I get my refund. My second request is that SLS be investigated for fraud because I believe that this is a practice for them and they are stealing lots of folks refunds because many people don't understand the process of getting a refund based on closing date.
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUDIT SYSTEMS,INC (TN)

I was told I owe a debt of {$38.00} from 2 and a half years ago. I was not given any information on the debt. I was not sent a bill for this. I was not notified for over 2 years concerning this debt now I am constantly harassed by phone. I do not owe this debt. I want this action to stop.