davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Global Lending Services LLC (DC)

I would like to file a complaint against Global Lending Services LLC. This company provided me a high interest loan due to my poor credit in 2014. The monthly payment amount is {$480.00}. I was furloughed this year due to the pandemic but made sure to still pay my financial obligations. I noticed that Global Lending Services reported me 60 days past due for the months of XXXX and XXXX on my XXXX credit file. I disputed the late payments with XXXX and provided proof that I paid my monthly obligation. GLS informed XXXX that the information provided was accurate. I called GLS to inquire why they are reporting me late. The company informed me that because the loan term came to an end, it doesn't matter if I am paying them every month because the full amount is due immediately. The account manager informed me that they will continue to report me late ( even if I pay my monthly payment ) and once the account reached 120 days, the account will be listed as a charge off. The remaining loan amount is also non-consistent. On XXXX the remaining amount displays {$4500.00}. On XXXX the remaining amount is {$6200.00}. On XXXX the remaining amount is {$5800.00}. On The Global Lending Services Site the payoff quote is XXXX. The company is reporting inaccurate information on every platform! This is devastating as I have made sure to continue to pay this company even with the high interest rates and overly high late charges that have accumulated on my account. The account manager informed me that I am still financially obligated, but they will report me late until I give them the full amount ( over {$4000.00} ). This is a predatory loan. I am also accruing a daily interest amount of {$2.00}. This is a trap and really has to be illegal. Please assist me!
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. Thank you!
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My identity was stolen and a couples were made in my name due to wallet stolen and XXXX credit breach. I submitted all the information to show it was on there and they needed to be removed. XXXX said it was removed but it was still showing on my credit report. Also showing on Transunion.
Consumer complaint received 2020-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I submitted a complaint to the CFPB in XX/XX/XXXX and Citizens/Charter which is coincidence because my aunt before her passing used to do business with Charter bank. XXXX XXXX XXXX and XXXX XXXX. I requested a total and permanent XXXX discharge and the company agreed. They were suppose to send a 1099 at the end of XXXX requested a XXXX in XX/XX/XXXX. In the complaint the company said it was a shiff in bank policy but did not indicate what the XXXX was. Id like to know my rights and get the debt discharged under total and permanent XXXX so It doesn't come back up. However she did indicate that they were in XXXX status but didn't elaborate what my options were. Old loan with previous lenders such as Chase bank have surfaced and their is a discrepency if they were federal loans or private. Gross privacy violations are associated with both.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX  LETTER TO DEBT COLLECTOR XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX XXXX Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this XXXX and should be blocked immediately. 

Accounts to be Blocked : 1. CAPITAL ONE Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosures : Proof of identity XXXX  documentation ( from a federal, state, local, or tribal governmental entity )
Consumer complaint received 2020-11-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp. (NC)

The balance listed as a charge off/write off has been increasing its balance each month. This account was charged off in XXXX of 2020. Based off this charge off the balance should not be increasing at all. However the balance is increasing every month.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RentDebt Automated Collections, LLC (FL)

The debt collector tries to collect a debt for {$1100.00}, which was incorrect. I took the original company to court because I did not receive any notice. After all, it was false. Even though they were aware, they report to the credit bureau. After winning in court and paying the correct amount of {$500.00}, they refuse to update my account with The credit bureau.
Consumer complaint received 2020-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filled with every emotion! I am XXXX and sad at the same time! My initial response to the INACCURATE items on my credit report sent as stated in an earlier message on XX/XX/2020 and I also sent another letter ( demand to comply ) on XXXX which was 45 days letter from the initial letter I sent. Today is XX/XX/2020.. Commonly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 distinct events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest your organization eliminate this blunder from my credit report or face suit. In the event that you don't eliminate this mistaken data promptly I will record a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to coordinate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered liable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC protest. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see obvious proof ( i.e. : an exceptional buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. Also I will be contacting the Attorney General to help me assist with this matter along with seeking litigation.
Consumer complaint received 2020-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

Amerihome mortgage services my mortgage that originated in XX/XX/XXXX. I have made multiple attempts to connect with their customer service team regarding various matters. The most recent incident ( XX/XX/XXXX ) was after I received an escrow analysis and I wanted to speak with a representative to determine if the additional amount due would automatically be added to my bi-weekly withdraw I have set up from my checking account. The representative told me to do this myself on their online portal. After I explained to her that it directed me to contact customer service, she hung up on me. After calling back and being on hold for 23 minutes, I finally received another representative who I explained my situation to however, he wasn't able to give me a direct answer and wasn't sure if my automatic withdraw amount would change or not. He advised me to wait until XX/XX/XXXX ... I am now attempting to call back today ( XX/XX/XXXX ) as I received an email stating that my automatic withdraw would occur on XX/XX/XXXX and I need to determine why this was sent as I am on biweekly withdraw and my next payment shouldn't be withdrawn until XX/XX/XXXX. Looking at my wait time, I am currently on hold and waiting for a representative for 33 minutes.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (FL)

I am filled with every emotion! I am XXXX and sad at the same time! My initial response to the INACCURATE items on my credit report sent as stated in an earlier message on XXXX and I also sent another letter ( demand to comply ) on XXXX which was 45 days letter from the initial letter I sent. Today is XXXX Commonly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 distinct events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest your organization eliminate this blunder from my credit report or face suit. In the event that you don't eliminate this mistaken data promptly I will record a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to coordinate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered liable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC protest. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see obvious proof ( i.e. : an exceptional buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. Also I will be contacting the Attorney General to help me assist with this matter along with seeking litigation.
Consumer complaint received 2020-11-25
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. (MN)

I have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (FL)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Experian. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX  ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2020 I received a number of unsolicited phone calls from XXXX XXXX  XXXX XXXX XXXX Pushy calls from XXXX XXXX who had knowledge of my debt. He said he would give me 0 % interest for life with Bank of America for a fee of {$7000.00}. The next day it dawned on me that this was a Scam. XX/XX/XXXX I called and canceled. Asked for my check back They said NO. I stopped payment on XXXX XXXX 2020. They got more abusive calling me a XXXX  old Man. A number of harassment of calls followed trying to bully me into reverse my decision. The transfer was done without my permission. When the Bank of America card was sent I did not accept its terms, use it, just held it. Calling, Bank of America telling them of this Scam cancelling any transfer. Bank of America, shuffled me around the country with my complaint, many hours on hold. No help. No resolve. I submitted complaint in writing. Bank of America response was obvious that they did not read my complaint and no one signs their letter so I can not respond. I continue to get harassed by Bank America. Due to the ABUSE I want forgiveness of this debt
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I have called the medical data systems inc XXXX XXXX XXXX XXXX fl XXXX ( XXXX ) XXXX I advise the rep Ms. XXXX, I did not receive any letter statement the first time they claimed to have sent it and that I will be in need of another form showing the details of the account. 
The representative in charge of the account refused to send out any form of verification. Her and her supervisor advised that they do not send any forms out. They only have my name and debt amount and ready to take payment. 
I told them I need this form to provide to my accountant so that he has it in paper of where and who these payment will be made to. 
They REFUSED and begin yelling saying that they will ONLY provide me the letter and more information AFTER I have made a payment. I'm not sure why the supervisor of a company felt it is neccessary to blackmail me over a statement request. They said the only way I will be able to get the letter of verification is if I made a payment on their account today XX/XX/XXXX, XXXX and hung up after I told them I can not make a payment without the form.
Consumer complaint received 2020-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (NJ)

I went to buy an new car XXXX XXXX  XXXX XXXX  from XXXX XXXX. I got the loan through key. It was an very busy holiday weekend. The sales rep XXXX had humus sitting around until 5 minutes before close of business. Was there for over 6 hours waiting. She made me go fill the car with gas. 
The next day I notice the car windshield was full of scratches. I left many message no respond. 
In the never got the plates in or the information about the loan. I called the Financial women many times no response. Decided to drive down there they give some number to call XXXX. That only for personal banking. Finally get the XXXX the Financial manager. She called the Vice President of the bank. He said we stopping auto loans in XX/XX/2020 we did away with the department. When I call I get some odd answers or no help at all. 
They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my car in person. I live in NJ and Im driving three hours one way to go make an car payment monthly. They also, told my checks are invalid. 
I had an nice women call from the bank she said to me something not right so, calling to get information from you. I told have gotten an statement and the contract doesnt say where make an payment to or an phone number or an loan number. She was going pull up the document She asked was my company hand written? I said no. It is an carbon copy that typed. She said that could he the problem. It this loan is void or not. She said was calling the dealership and to find out what happen. 
Fast forward did some research of my own. I learned in key website you have live in certain state to get an auto loan through key. NJ is not on the list for that. 
I did more research and learned not taking my check they think Im high risk and that why want to pay in person. 
Well, that clued me and realized I had an problem with M and T bank and reported reported me to XXXX. It was an mistake at the bank on XXXX, No. the Bank had it removed From XXXX. I found it wasnt removed. There an problem at XXXX. I tired calling but just telling to put in an dispute against the bank. The problem is that XXXX  did not remove it. I called the bank and on there end was removed XX/XX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.