davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

My monthly bill was charged to my account and I didn't have enough money so the payment never went through. Now they won't let me make a payment online or by mobile phone. Even though I had enough money in my account the next day. Most banks try charging again. But instead they now say I have to call manually XXXX more times and talk to a person to make my payments. Which is very inconvenient for me, and also charge me {$5.00} for a debit fee. Completely unnecessary.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CO)

I bought a car on XX/XX/year> in full with cash. The day before on XX/XX/XXXX we tried to buy the vehicle from a dealership with finance through WestLake Financial but could not due to what I understood was a system issue on the part of Westlake therefore cancelled the finance option on the XXXX and paid in cash. Some time after I received mail from Westlake stating my monthly payment was due even though the deal had been done with me and the dealership. I contacted Westlake financial about the problem but no issue was provided and they are now threatening me with a Notice of Right to Cure.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IN)

Mr. Cooper, powered by XXXX, transferred my mortgage to Mr. Cooper effective XX/XX/year>. 

Mr. Cooper has for XXXX months now ( XXXX, XXXX ) claimed that my mortgage has been successfully paid but my bank 's most recent mortgage payment was received in XXXXXXXX XXXX and nothing has been posted to my bank since. 

We have now missed XX/XX/year> and XX/XX/year> mortgage payments because Mr.Cooper has not been able to successfully post the payment to our bank, despite claiming they received the payments. 

When reaching out to Mr. Cooper to resolve the matter and explain that they have received no money from us ( and so if they are actually getting money it is probably incorrectly from someone else 's bank ) they simply repeat over and over again that our payments have been successfully received, and when asked for proof of this they send just the billing/due statement and nothing to prove they have received the money. 

We will not be able to afford our mortgage payment when Mr. Cooper finally catches up and realizes we have missed months of payments. 

Please help.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (MA)

Account was locked early XXXX. Account was reviewed and unlocked after I opened a CFPB complaint against the company to get access to my account again. On friday, out of the blue and without any notification, Wise has closed my account and is holding all of my money in the account. I can not access my money, as I am required to by XXXX LAW. At this point access to my money and payment for damages caused to my business seems like a reasonable outcome, and will be the outcome in a small claims court case if it is not settled to here. 

Thank you.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (OR)

Hello I want to file a complaint against XXXX XXXX XXXX or American Express. I was recently in a car accident and I was in the XXXX  for half a year. Now I'm out and making money again through my XXXX. I was paid yesterday and nobody can tell me where my money went. The balance owed isn't getting smaller either. I just want to know where my money is going or a closing of this account with no further action.
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (PA)

XX/XX/XXXX my stepson who was also one of our employees was found dead in one of our work furnished apartments. 
We helped him purchase a truck with down payment money in XXXX. 
After a few days of his passing we called Ally to let them know what happened and we were asked if we would assume the loan which we said yes. Payments were current. 
After a couple of weeks my wife called them again to set up auto draft which we didnt know they never did. We gave them our information and thought everything was resolved. 
We didnt balance our checking accounts as we dont live outside of our financial means. 
My wife would spend hours on hold, get run around from department to department only to get hung up on being transferred. 
We made 2 payments and after the two payments they continued to try and auto draft the payment when they were told he was deceased. We didnt know this because we were not getting the mail. 
We got a message from his aunt saying someone was looking for him ( deceased ) and his truck. The truck is in a secure location. 
Our attorney advised us not to pay it off at first and make the payments which we did. 
Since this is all he had and only XXXX XXXX XXXX there is no will, trust or estate. Our attorney calls Ally and they kept repeating we cant give you legal advice. He said I dont need that I need the payoff so we can send the payment. They wouldnt do that. 
They said we need to set up an estate. Attorney which we furnished his info said there is no reason to set up estate. 
We get the payoff after I sent them a check for XXXX which they cashed. They told our source that we owe them XXXX and I sent XXXX for dollars which they cashed. 
They still refuse to talk to us, our attorney and have XXXX dollars for the complete amount owed. 
So someone suggested we reach out to CFPB. 
Please help.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

The car has a design flaw and needs a {$12000.00} repair. The car was paid in full but is reporting as charged off on my credit report. My account is showing as paid in the system but not reflecting as paid on my credit report. 

I requested several documents and information from them via certified mail with no response : I requested : 1. A loan satisfaction letter as the loan is paid in full, 2. The XXXX form from XXXX releasing title of the vehicle, 3. The 1099-C that was supposed be issued when a debt is charged off with the IRS required by law for debts over {$600.00}, 4. A full account and payment history.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Violated my rights Account XXXX XXXX XXXX XXXX XX/XX/year> {$2800.00} XXXX XXXX XXXX XXXX XX/XX/year> {$1400.00} Capital One XX/XX/year> {$310.00} Capital one auto finance - {$27000.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX  XXXX {$5200.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX  XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

While checking my credit report a few months back, I noticed errors concerning the account for CAPITAL ONE ( XXXX ) and XXXX ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Per the Ohio Revised Code, and the Fair Debt Collection Practices Act, I hereby require you to submit evidence of the following : The name of the creditor at which this alleged debt is owed. 
The account number associated with the debt. 
An itemization of the current amount of the alleged debt. 
The current amount of the debt when the notice is provided. 
Other applicable and pertinent information related to this debt per the Ohio Revised Code and the Fair Debt Collection Practices Act. 

Furthermore, I require evidence that you've given permission to collect on any alleged debt ( XXXX ), I would also like to review the contract in which I signed legally binding me to this alleged debt. I would also like proof of your legal ability to collect on debt within your respective state, to include the previous creditor 's abilities as well. As of XX/XX/year>, you have submitted absolutely no written communication pertaining to any alleged debt, nor have you submitted any written communication regarding my legal right to dispute any alleged debt. So far, you've simply called my personal cell phone number several times, clearly in an attempt to harass me. I am a XXXX veteran, my income is protected under federal law, and I've since settled any previously owed debts, my other obligations related to Federal Student Aid were appeased long ago via a Total and Permanent XXXX  Discharge. I demand that you cease and desist in your predatory, and illegal collection practices, as you've been so warned and fined per the CFPB.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (NC)

I have been going through the Deed in Lieu of Foreclosure process since XX/XX/XXXX. I have already filed a complaint ( XXXX ), and as a result of that complaint, they promised to record the document, correct my credit score retroactively to XX/XX/XXXX, and send me a Release document. The Deed in Lieu of Foreclosure was finally recorded on XX/XX/XXXX, but I have not received a Letter of Release, I am still getting statements showing that I am delinquent, and my credit report has not been corrected. I suspect that the Deed was recorded with the wrong information and was returned to the wrong attorney, as the loan was transferred from one servicer to another on XX/XX/XXXX, shortly after I signed the documents and sent them back. When they were finally recorded this XXXX, I was asked to re-sign the Excise Tax Affidavit as it had the previous servicer 's name and address on it, but the Deed in Lieu of Foreclosure document was not redrafted ( in fact, I was told by my current servicer that they were not legally allowed to ) so the Deed still shows the prior servicer and a return address to the attorney for the previous servicer. 

On XX/XX/XXXX, I emailed the Customer Care department for my mortgage servicer, and just last week I received a letter from them stating they would send me a hardship package from the Loss Mitigation department. But the email they sent me on XX/XX/XXXX stated that my credit reporting would be corrected and I would receive documentation stating that I would be released from my debt obligation for this loan once the Deed in Lieu of Foreclosure was recorded. 

I have not been able to get in touch with anyone at this organization, and no one seems to know what is going on. I can not believe it is legal for them to operate this way. I need some resolution to this, as I have now been going through the Deed in Lieu of Foreclosure process for longer than I lived at the property. 
I emailed

the Customer Care team again this morning, and I will be contacting HUD as well. There is also a matter of a Down Payment Assistance loan
that had {$0.00} payments and 0 % interest, that was supposed to follow the original loan, but I'm sure that they won't have a clue about that either. 

I have copies of the email thread with my mortgage company, as well as copies of the Deed in Lieu of Foreclosure and Estoppel Affidavit that were recorded on XX/XX/XXXX. Please help me, as I know for a fact that the mortgage company will not.
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (SC)

This is not my debt I never done business with qualia collections services and I never received a letter, email, or phone call from them stating this debt and I will like for this debt to be removed from all 3 credit bureau and tenant screening
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

XXXX Morgage company sent a payment to XXXX XXXX for {$3100.00} XXXX read another number. Also my Morgage will increase by {$100.00} in XXXX. I get no equity. I pay taxes and insurance only from my escrow account. I paid {$77000.00} for my property in XXXX. I now owe {$82000.00}.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (MO)

My vehicle was totaled in a hail storm, Carmax was notified of this by my insurance company and arrangements for final payment were made with my insurance company. Carmax continued to call me daily requesting payment. I explained the check was being sent. The check was in fact sent and received by Carmax on XX/XX/XXXX. I contacted them asking how long before the payment would post. I was told 2-3 days. I continued to receive harassing calls, I explained that they have the check, I provided the check number and tracking information. I continued to get harassing calls. I was then told by Carmax that they would put my account on a cease and desist from calling list ( their words ). I continued to get harassing calls daily. Again, I explained the situation and was assured my account would not be contacted. WRONG, I continued to get harassing calls. CARMAX has the final payment but for whatever reason has not posted it to my account. This also made it more difficult to get a new loan because it appears that I still own the previous car. In addition, they have harassed me daily at work and home, wasting my time, interrupting my work and still have not posted the check. I did get financing for a new car but suspect have a higher rate.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

The listed accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX Bank XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 15 USC 1681 section 604 A . States I have the right to privacy.

It also states 15 USC- 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts listed above.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (WV)

i was scammed on the phone by a person claiming to be from my bank and said they were reversing charges through cash app and were actually taking money from it. i lost over XXXX and the bank said there inconsistencies in my claim. i called there fraud dept right after i felt like i was scammed. was told by there employee that i was definitely scammed and that she was putting a hold on my account and the charges should be stopped. when i went to the bank the banker told me she saw in the notes that she was supposed to put hold on acct but didnt. now bank wont refund my money and cash app is also denying to refund. please help
Consumer complaint received 2024-07-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (FL)

In XXXX, I had mobile service with XXXX. Per my conversation with XXXX, I would avoid any balance with them if I returned the items. In order for me to return the items, I had to get a XXXX XXXX I went to a local XXXX store and was able to get an XXXXXXXX XXXX  and I sent everything back.

I am really annoyed that this will be the 4th collection agency claiming to collect for XXXX. Each time the collection agency is increasing the amount. I was blown away to see that it is not {$1500.00}? I was never notified and contacted by this collection agency. I was notified by the credit reporting agency when my credit score plummeted XXXX XXXX. My credit is vital to my business and to have this fraudulent account ruin my credit score is devastating, especially when I everything back in XX/XX/2022. 

I provided pictures of the packing slip and showed everything that was being returned. I could not return any of the items without an XXXXXXXX XXXX All of the items that were in the box.
Consumer complaint received 2024-08-10
Product: Credit reporting 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. (GA)

I am writing to express my deep frustration and concern regarding the persistent failure to remove fraudulent items from my credit report. Despite numerous requests and the submission of supporting documentation, these fraudulent items remain on my report, severely impacting my creditworthiness. I believe this situation violates the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of the credit reporting system. If you are unable to verify the validity of these items, I demand their immediate removal. Additionally, I request a detailed explanation of the procedures used to determine the accuracy and completeness of the information in question. These are the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My account was closed and paid in full, however it is not reporting on my credit report and is negatively affecting me. 

Account was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of 0 as shown by such filed 1099-C.