davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2024 I purchased a Cashiers Check for {$1600.00} The cashiers check was lost in the mail and please need help to get these funds back as soon as possible as its for my mortgage company and Im already late due to this being lost Serial # XXXX Account # XXXX Operator ID # XXXX Im please begging for all the help I can get, Im so scared as this is my first time using cashiers check and have no idea, please and thank you
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied International Credit Corp., (US) (FL)

I previously had a charge off via XXXX XXXX XXXX for XXXX. I put in a complaint with CFPB and they boldly told me that they were ready to go to court or whatever the case may be to vindicate themselves. Because a charge off is something that is perceived as payment once you file your taxes so in fact companies do receive monetary relief from charge offs based on IRS codes. Well I called XXXX XXXX XXXX and found out today XX/XX/XXXX that my account was sold to Allied International Credit without my consent or knowledge. As I reached out and spoke to the agent XXXX and asked about the descendent account which I am the senior sole fiduciary of, she stated that the account was bought by Allied International Credit. I told her that was without my consent, I didnt put any signature or consent to anything Allied International Credit is doing. I have received information regarding a debt that is being claimed against me by XXXX XXXX XXXX from XXXX XXXX XXXX not Allied International Credit & Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. Also due to The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. This is an unfair debt collection practice, I wasnt aware of and I a living breathing man of soul didnt put my golden signature down for this.
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (WI)

I couldnt afford my loan with heights finance they took me to court I thought I been paying off the agreement we made for there was no judgment but when it kept reflecting negative on my credit report I emailed them. And they said even though they took me to court it still adds interest and fees monthly even thought Im paying the agreement there still acting like the account is open
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to address significant discrepancies I have identified on my credit report regarding the XXXX XXXX XXXX account. It is imperative that you promptly remove this entry from my records to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports from Experian, XXXX, and XXXX, I have noted several inconsistencies related to the XXXX XXXX XXXX account. According to the official XXXX XXXX XXXX obtained from XXXX XXXX, the balance on this account is {$0.00}, whereas you are reporting a balance of {$17000.00}. Additionally, I found disparities in the reported account open date ; you indicate XX/XX/XXXX, while XXXX report XX/XX/XXXX. Furthermore, you state the Date Last Active as XX/XX/XXXX, whereas XXXX shows XX/XX/XXXX and Experian XX/XX/XXXX. The Last Payment date you report is XX/XX/XXXX, whereas XXXX and Experian XX/XX/XXXX. I have highlighted these discrepancies in yellow in the document enclosed. 
Enclosed with this letter, please find a copy of the XXXX XXXX XXXX from XXXX XXXX and a copy of my credit report illustrating these discrepancies. 
MB FIN SVCS XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Lease XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$30000.00} {$30000.00} {$30000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Merchandise was taken back by credit grantor/there may be a balance due. Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inaccuracies are materially impacting my credit score and financial standing. Therefore, I insist on immediate action to completely expunge this account from my records. 
I request the following corrective measures : Complete removal of this account from my credit record. 
I expect your prompt attention to this matter and respectfully ask that you provide me with a complimentary copy of my updated credit reports once the account deletion is finalized. 
Thank you for your cooperation and swift resolution of this issue.
Consumer complaint received 2024-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (OR)

XX/XX/2018 - My assigned academic advisor informed me if additional money to afford attendance at XXXX XXXX I would be required to obtain a private student loan. She advised I borrow {$40000.00}. Discover Private Student Education Loans responded immediately with an approval. XX/XX/2018 I called the bank and was told the XXXX had approved {$36000.00}. When I called the XXXX I was told checks of that size required two signatures and the XXXX was on vacation and my only option was to wait for him to return. Discover had assured me it was in my best interest to take a variable rate to keep my payments low, as they would simply refinance them in case I needed more assistance. Weeks later the XXXX returned and my check was mailed to me. After multiple grievances with the skelton staff, price gouging, and rare availability to me as a distance enrolled student. Months later it became evident this was simply common practice. As I let them know the money I was borrowing for little to no instruction was unacceptable. As I quickly found another program, I gave them proper notice. They promptly further informed me I would need to pay for the semester they had enrolled me before giving notice, I refused. Now having XXXX XXXX XXXX from a reputable program COVID was slowing down and, as instructed, I called Discover back as we had previously arranged to reduce the rates and lock them around 2 %. I was told the offer was not available, and rates could only be locked at 8 % and 11 % respectively. They allowed me another year through another special program for borrowers just like me. I accepted, once again believing in a year things would be better, and rates would go down as promised. They never went down. At just over $ 500 monthly I have lost my job and am unable to make these payments. As the bank states that have no options for me, I now am near defaulting for the first time ever on a student loan. Both the school and Discover continue to plague me to this day whether its these payments or needing to request official transcripts. I assure you, neither institution have been easy to work with and I need your help to challenge the loans and remove them so I can move on to paying for the Federal Loans that afforded me a quality education. Thank you in advance for resolving this miserable experience.
Consumer complaint received 2024-07-04
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: Self Financial Inc. (KS)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.
Consumer complaint received 2024-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I currently have an impound account with PennyMac. I pay my mortgage and escrow payments regularly ( see attached ). My insurance company sent a notice of renewal to me and PennyMac on XX/XX/XXXX. Penny Mac insists that they did not receive this notice and had sent me a direct request to submit a renewal letter to them. This was sent on XX/XX/XXXX. The notice advises that my policy payment is due on XX/XX/XXXX. A check was sent by PennyMac on XX/XX/XXXX. On XX/XX/XXXX, I received a lapse notice from XXXX XXXX XXXX XXXX to advise me of the lapse of coverage but that if a check was sent, no further action was needed. Having checked my loan activity, I saw that a check was sent on XX/XX/XXXX. However, the insurance agency advised me yesterday ( XX/XX/XXXX ) that a check was not received by them until XX/XX/XXXX. Due to late payment, they canceled the insurance and sent a check back to me ( which was dated XX/XX/XXXX, but which I only received yesterday ). After going through the automated system multiple times, I spent a total over XXXX hours on the phone attempting to resolve this issue. During this time, my insurance coverage through XXXX was confirmed through their automated system. Once I advised them of the cancelation of the insurance they noted this in my file. PennyMac indicated that since they only received notice of renewal on XX/XX/XXXX, there was not enough time to process the check in a timely fashion. They advised that they would open a " ticket '' to investigate if they had received the initial renewal notice from XXXX. They also advised that they could retroactively provide XXXX 's forced place insurance ; however, I was never routed to that department correctly and was advised that the process could take XXXX days and be a substantial expense for me, the consumer. 

Furthermore, on XX/XX/XXXX, I filed a homeowner 's insurance claim due to water damage in my home with XXXX ( arrowhead, XXXX ) and they took the information/gave me a claim number. However, their underwriter assigned, informed me that when she pulled up the policy, it was not active. I have time sensitive damage to my home that requires swift remediation and is an expense that insurance should be covering. Pennymac is responsible for payment to my insurance on my behalf and failed to do so. They also failed to notify me in a timely fashion of the canceled insurance.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

On XX/XX/2024 I mailed letters to Debt Recovery Solitions. Ive also emailed them a copy of the complaint from the XXXX XXXX XXXX XXXX XXXX And waited 15 days for a response, but I did not get a response. On XX/XX/2024 I called but did not get an answer.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian & XXXX continue to report incorrect information on my consumer report my name and address are listed incorrectly. My name is XXXX XXXX and my address is XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX to there should be no other names or addresses listed on my report.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (MA)

On XX/XX/XXXX my car was repossessed for {$900.00} last due. I've had the car for over 4 years and I've had a 100 % on time payment history. I just had a baby last month and have been out of work so I'm financially struggling. I've tried refinancing with no luck. The car is currently broke down and they want the full amount which is almost {$1300.00} ( {$900.00} past due, {$360.00} for the repo fee, and about {$300.00} of late fees ). I bought the car in XXXX for {$16000.00} with a 24 % APR. I should've had the car paid off already but with that high APR I'm still making payments. Id like to find out options to help with these scammers, its not right what they're doing!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello XXXX, Trans Union and XXXX keep sending me stall letters every time I send them dispute letters. I have sent about XXXX dispute letters regarding inaccurate information. They either respond with stall letters or they send back investigation results stating accounts have been verified. They are not telling me how they have been verified. 
I need an investigation because I still see inaccurate dates, balance, incorrect and incomplete information on my report. They are not doing their due diligence in making sure everything is 100 % accurate. They are violating the FCRA laws
Consumer complaint received 2024-07-08
Product: Credit reporting 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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and XXXX XXXX. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX I signed up for a citi-card credit card through the Home Depot to get a discount on a microwave and refrigerator that I bought and never used the card again. XX/XX/XXXX received a fraud alert email from Home Depot asking if I recognize a charge to which I answered NO. XX/XX/XXXX I received an email with a bill for {$4500.00}. I called Home Depot and Citibank trying to get this fraud cleared up and canceled the credit card. I also logged into XXXX, XXXX and others to freeze my credit report. They asked that I send a copy of my driver 's license and case number to them, which I did. They created a case number and started an investigation. XXXX XXXX : XXXX. I called a few months later to see the progress and was told that the investigation had closed. I called the police and was told to create an identity theft report, which I did. ( # XXXX ) I just received a letter stating that the investigation had been closed again and they determined that I was responsible for the {$4500.00}. 
The items they say I purchased include a riding lawn mower, XXXX XXXX XXXXXXXX bags, XXXX fl XXXX Splash-Less Regular Concentrated Disinfecting Liquid Bleach, Soap Scum Remover, Wifi Pellet Grill and Smoker, Countertop Microwave, and a few other items. I am a XXXX XXXX XXXX XXXX XXXX  woman living in a small house and would never need any of the items associated with this purchase. I am unwilling to pay for these products that I did not purchase. I can't afford to and wouldn't want to if I could.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: Credit Karma (NY)

Hello, I have a balance of > {$50000.00} in a Credit Karma " Save '' account, and I have noticed that the monthly interest payments I receive do not seem to match the advertised APY ( currently 5.1 % ). For instance, for the month of XX/XX/2024 I had a starting balance of {$50000.00}, and my earned interest for this month is {$200.00}. My own calculations, as well as the savings calculator on XXXX XXXX, indicate that my earned interest for XXXX, with monthly compounding and a return rate of 5.1 % should be {$210.00}. I would like to understand the reason for this apparent discrepancy. With all of my other ( non-Credit Karma ) savings accounts my monthly earned interest matches my own calculations/projections. 

Thank you. 

*Please note I have attached the XXXX statement for my account as my XXXX statement is not yet available. However, the same issue applies to the XXXX statement. ( When I calculate what 31 days of interest should be at a rate of 5.1 %, I come up with {$190.00}, but Credit Karma paid me {$190.00}. )
Consumer complaint received 2023-06-09
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: CREDIT ACCEPTANCE CORPORATION (MI)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CREDIT ACCEPTANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CREDIT ACCEPTANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.