davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (KY)

I purchased a vehicle from XXXX XXXX  XXXX XXXX in XXXX. The initial loan was XXXX for XXXX XXXX XXXX. I have paid bi weekly for the last 4 years and went to ask what the pay off would be. Bridgecrest ( who provides the loans for XXXX XXXX ) informed me today that my payoff was XXXX Even though I have paid almost XXXX on the principle loan ... I was also informed by Bridgecrest that I had a loan for XXXX which I was not informed of until today. 
So far I have paid XXXX on a loan for XXXX and I still ( according to Bridgecrest ) owe XXXX more to pay off a vehicle that. Making the total XXXX for this car. which I never agreed to. The salesman at XXXX  changed the contract from the time I agreed to the details and when I signed the contract. He rushed through the paperwork and told me it was the same that we discussed earlier while it was still on his computer. So I didn't need to worry and I could trust him. The contract that I agreed to was for XXXX with interest. APR 20.14 % Now according to Bridgecrest even if I pay off the XXXX that is left on the principle I have to pay and additional XXXX for interest that has not accrued. I tried to fight this before and gave up because their tactics are very shady and intimidating. I am a XXXX year old man that needed a vehicle to go to and from work. XXXX XXXX with the assistance of Bridgecrest have basically stolen thousands of dollars from me and are trying to make me pay XXXX more because I am trying to pay off the loan. Please help me!
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXXXXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX is reporting inaccurate payments on a closed account. This account negatively showing when its closed
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

This was paid in full by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The collection company Westlake Financil placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (TX)

I am NOT liable for this debt and do NOT have a contract with XXXX XXXX XXXX XXXX They did NOT provide me with the original application signed by me like I asked. 

Also, my rights are been violating by the credit bureaus according to the law and someone needs to hold accountable the credit bureaus for their malpractice. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I viewed my credit file and found an account from a company I have never heard of. Convergent Outsourcing. I have never applied for credit with this company and do not know who they are. I understand they are supposed to send me written notification if they legally intend to credit report in my name. They failed. I have since written them requesting validation of this account, again, they have sent me nothing, failing in their obligations. I am appalled at their lack of communication. I am desperately trying to find someone to help me, as a consumer, it should not be this difficult to obtain information from someone reporting information about me. I have read the the FCRA and FDCPA were written to protect me from this exact thing. I have also read that ONLY YOU CAN HELP ME!
Consumer complaint received 2023-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I submitted a XXXX  employment certification form on XX/XX/2022 to Mohela. Recently, the status of the document changed from processing to " duplicate form '', yet my eligible XXXX  count was not updated to reflect the months that would have been covered through the form. I received no notice from Mohela about why that was so I had to contact them only to be told that the application was actually denied and not a " duplicate '' because the signature used was electronic and not hand written. I work XXXX  and so does my employer, so obtaining a hand written signature is both logistically complicated and tedious. My previous loan servicer had no such requirement nor does Mohela communicate this requirement outright to borrowers when filling out the form. This seems to be purposefully complicating the process and Mohela should be practicing the same standards as other loan services, otherwise, they are purposefully making it so borrowers are less able to obtain forgiveness.
Consumer complaint received 2017-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (OH)

On XX/XX/XXXX we made a payment of {$730.00} to BMO Harris Bank, as we always do on or around the XXXX of each month, but a few days later we noticed that the payment had come out of our account twice. One on XX/XX/XXXX. and one XX/XX/XXXX We did not authorize a double payment. We contacted our bank, XXXX XXXX, and they told us there was nothing they could do for us and suggested that we contact our mortgage company, ( BMO Harris Bank ). We contacted BMO Harris Bank, at XXXX and talked to a woman named XXXX on XX/XX/XXXX and explained the problem and told her we needed the money back to pay other bills and that the lack of money in our account was making other payments bounce, incurring charges from our bank for two over drafts. They told us they would mail us a check right away. They didnt. We called over the next month or so talking to other customer service people, one named XXXX near the end of XX/XX/XXXX. and there was always an excuse for why they hadnt sent the check. Finally one of the customer service people told us that they would just apply the money as our next months payment. They told us not to make the payment for XX/XX/XXXX. so we thought the matter was resolved. Then we got a payment delinquent notice for not paying the XX/XX/XXXX. payment. We called and ask for a manager, that manager was XXXX XXXX and explained everything to him. He assured us that he could see on our account that every thing had been taken care of, and not to worry. He gave us his number XXXX and encouraged us to call if anything went wrong. The following month we got another delinquent payment notice and the manager we had talked to, XXXX, will not answer his phone or return our messages left on his voicemail. They took our money and wont give it back or apply it as a payment. They are just keeping it.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe (KY)

So in 2009 i went to school i was informed i was takeing out one loan and it was a promotional time so it would be abput 8,000 now i am being told it is 3 loans and like 15,000 i called to find out what i can do because i was told a different story they said theres noting they can do but give me an option to pay {$5.00} a month to pay it off
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (KS)

XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with XXXX XXXX and collecting a debt from XXXX about a XXXX computer from back in 2007. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I received a packet from XXXX XXXX that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the XXXX XXXX XXXX has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (KY)

I paid to XXXX XXXX, XXXX. {$3300.00} I was not provided the services as described to me I received a cold call from XXXX XXXX in XX/XX/2017, from XXXX XXXX, he was offering me a way that I could make my business flow better and more profitable by connecting my business with millions of potential clients. As of today, I have had no contacts they said I would receive to my website and have not sold a single thing, he promised it would be a guaranteed fail proof way to increase my business. I informed that I was not at all pleased with the progress being made by their marketing team. And how dissatisfied I was with their services, it was all very basic in nature I have been very confused by their marketing skills. 

They misrepresented themselves and the marketing they were offering was less than acceptable, in my opinion, if a business receives less than a dollar back for every dollar invested in marketing, then the marketing team, should prepare to come under scrutiny. 

I would like your assistance in getting my money back. Thank you.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am in the process of applying for a mortgage. A brand new negative entry for a collection account from " XXXX '' has recently been added to my Equifax credit report, approximately 2 weeks after the mortgage application. I have never had an account with XXXX, and date of last activity for the account is listed as XXXX 2013. I have never been contacted by XXXX, no phone calls, no mail, no emails, over the years that have past since XXXX 2013. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my Equifax credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX Equifax correct documents when XXXX  XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
Consumer complaint received 2017-11-20
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. (MD)

XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (LA)

I am writing to file a complaint against American Express, for violation of consumer protection laws 15 USC 1681s-2 ( a ) and ( b ) of the FCRA requires lender to provide notice of such action of sale upon request, however despite these laws, the lender refused to provide such information when requested. Additionally, American Express only stated this action midway through our call, there otherwise was no real or legal cause for such action. My accounts with the Lender were sold without notice and without providing any information regarding the sale. Furthermore at the time of sale, all accounts were in good standing and no primary reason would have been necessary for the relative action. The Lender has refused to provide any information regarding who they sold the account to or why.
Consumer complaint received 2023-01-24
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (PA)

I have disputed this account ( Pheaa XXXX ) multiple times & Equifax has violation my rights. As seen in the pictures this account was reporting Derogatory/Chargeoff. After disputing inaccurate information not only have they changed the status to open but they are also reporting that its current. Even the payment history has been updated which is inaccurate as well! No documentation has been sent to me from Equifax or XXXX proving that this account is mine. This is illegal!
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thaxton Investment Corporation (AL)

I received a call XXXX from local branch. ignored call because I didn't know the number and I was at work. They left a voicemail. My then ex boyfriend called me and said the same number had called him and he gave me the name Covington credit and number to call back. I then checked my voicemail. The voicemail said I owed a small personal loan. That I cashed a check from them. To which I said no I didn't I have never talked to you before. Apparently it was a check mailed to my address that if cashed or deposited, automatically opened a loan with their company. First of all how ridiculous is it that no paperwork has been signed by me or anyone in my household but all of a sudden I owe for this loan? I would love to see the signed paperwork from this company for this loan. I repeatedly told them to not call me or my ex boyfriend again. But yet I received a phone call yesterday I didn't answer. And I received a call today I didn't answer. And then they called my ex boyfriend again a few minutes later. Why are they still calling when I have asked them not to?
Consumer complaint received 2021-01-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I get 1 to 2 calls APPROXIMATELY EVERYDAY, and everyday I ask them to stop, its harassment ... they CHANGE there number and call again..I even told them I was gon na report it to you ... they CONSTANTLY still call it's on going for several months now ... I even asked that they not call on any of PORTFOLIO RECOVERY SERVICES.NUMBERS ... .I ASKED THAT THEY FIND A NEW WAY OF CONTACTING WHOEVER AT THIS NUMBER BECAUSE I WAS NOT GIVING PERSONAL INFORMATION DUE TO ALREADY BEING A IDENTITY THEFT VICTIM..BUT THEY REFUSE TO STOP..
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 I purchased Hockey tickets for my sons birthday, during quarantine, realizing that a season was not to be in the future, my son ( his XXXX XXXX account ) tried to request a refund and do something else with his money, was not getting a response from XXXX XXXX, they were not answering phone or email. 
so I continued contacting Capitol One with no response except they were standing by the terms and conditions of XXXX XXXX. 
Why is this an issue : XXXX XXXX CEO publicly announced refunds for all ticket holders, he came out with a new and improved Customer Guarantee When XXXX tried to receive a 'credit ' from XXXX XXXX, they closed his account and we have no way to receive our money back I have sent documentation to Capitol One supporting all above comments and they continuously support original response
Consumer complaint received 2020-12-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I need the following removed since the time has come but had a rude representative, I have deliquent accounts of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX!
Consumer complaint received 2021-02-19
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. (FL)

I paid the full amount due on my account of {$1500.00}, and did not settle on the balance due. I provided a copy of my bank statement to Experian and contacted the U.S. Department of Education and the referred me back to Experian to fix the issue because they showed it as paid in full. I keep getting referred from one back to the other and this issue has been an error on my report for almost 2 years, impacting my credit score. I've followed the process and no actions haven been taken to rectify the issue. I made the payment on XX/XX/2018 for the amount of {$1500.00}. Not sure what else I can do to fix this issue, which is why I decided to file a complaint. My complaint is against Experian and the Department of Education.
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I want these items immediately re-investigated and for a good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX