davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (RI)

On XX/XX/year> I purchased a used vehicle from XXXX auto with a loan from credit acceptance, what I did not know was that Credit acceptance was misrepresenting the cost of credit and tricking me into a high-cost loan on a used car. The true cost of credit offered is far higher than what I was told. 
Causing me to face unaffordable monthly payments, vehicle repossessions, and debt collection. Credit Acceptance violated consumer and investor protection laws.The company created financial incentives and added extra products to the loan. Credit acceptance is also reporting false information to the credit bureaus regarding on time payments, how much payed off on the loan all just to damage my credit score just for their fair gain. All in all, Credit Acceptance hides costs in loan agreements and sets consumers up to fail.
Consumer complaint received 2023-11-13
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services (FL)

I paid Ed Financial the full amount of my loan on XX/XX/2023. I received confirmation as well as a receipt which I have tried to provide them. They do not answer my calls or emails. It is now impacting my credit in a negative way.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

I made a payment to Edfinancial Services on XX/XX/2023 and received a confirmation email stating that the payment had been made. 

On XX/XX/2023, I received an email that the amount was past due. Upon looking at my account, it says that the payment was " reversed '' on the same day ( XXXX ). I received no notification of this and assumed that the payment had been made. I also looked at my bank statement online, and there was no record of a debit attempted by Edfinancial. Since no real money seems to have been involved, I did not attempt to reach out to them and submitted another payment. We shall see if this one goes through. 

I found a XXXX thread about this problem, and it seems to be an ongoing issue with Edfinancial for many people, and is totally unacceptable.The problems seem to have started when they switched to a new online platform. At the very least, if there is a problem with a payment going through, the consumer should be notified immediately so the problem can be rectified without additional interest accruing on the loan.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

On XX/XX/ I have received an email from the U.S. Department of Education about that a loan service called EdFinancial said that I got payments due in XXXX. I was clueless about this payment because nobody notify me about this. Also, I have never signed up to a EdFinancial account. Then, I got mail from EdFinancial stating that I owe XXXX dollars for the month of XXXX. I am so confused at this point because I am already paying student loans to XXXX XXXX.
Consumer complaint received 2023-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (MI)

I had all of my student loans paid off in full and now they are saying that I owe them {$13000.00}. I called them and sent them proof of my payments such as their own receipts and they have not gotten back to me or erased the debt. I had paid off my loans in full and then they got a new website and started sending me statements with due dates on XX/XX/23. It has been months since they have gotten back to me and now they are sending me delinquency notices.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 financial well-being. 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 distress 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Every month for the last two months I have been receiving collections calls about my payments being late or missed when they are not. I have blocked these calls and have asked several banks to contact me back to discuss as hold times are beyond ridiculous. I leave messages for the offices in XXXX and no one returns my calls. I show on my XXXX and XXXX payments are received on time and account status is good standing. I see my XXXX credit report and I show XXXX payment as late when it is not has never been late and I want this updated at once as this has dropped my score down XXXX plus points!!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NY)

Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from XXXX, XXXX, and XXXX, and confirmed the inaccurate information. 
2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report.

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.
Consumer complaint received 2024-07-11
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: ProCollect, Inc. (AL)

I disputed the " collection '' on XX/XX/year>. It was not solved, niether was I provided any information on how this collection was accurate. XXXX has not deleted this information and said they have just closed the dispute without telling me the actual facts of the dispute. USC CODE 15 1681 SAYS I have a right to accurate credit reorting and if this is not delted i WILL BE FILING A LAWSUIT TO GET IT REMOVED. tHIS NEEDS TO BE REMOVED immediately. If it does not get removed. XXXX and PRO COLLECT WILL BE GOING TO COURT!
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/year> a loan was taken out for a XXXX XXXX for XXXX dollars. The loan taken out was issued to the perpetrator by the loan company even though the information that they submitted was incorrect and was utilizing my information. I have notified the IRS and am filling a police report.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NC)

I recently had a hotel stay in XXXX XXXX a temporary hold was placed on my card for the amount of {$150.00} on XX/XX/year> I subsequently ended my stay and on XX/XX/year> the Hotel released {$130.00} back to my card, I provided all the information to the card company ( cashapp ) and I waited the appropriate 7 days and the ( cashapp ) refuses to release the money saying that It will be released after 30 days ... I have attempted several times to reason with cashapp and I am being stone-walled, saying there is nothing that they can do when the funds have clearly been released and the hotel has done everything that is possible to release the funds back, I do believe cash app is keeping the funds to gain interest and not making them available to me the consumer the one who put the funds there. I need help
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (WA)

When I applied for a credit card on XX/XX/XXXX I learned that a company that I had never heard of before, Moneylion, had a negative report on my credit. They claimed that I had a loan from Moneylion for {$890.00} on XX/XX/XXXX that was never repaid. I have never had a Moneylion account. 
I filed a complaint with Moneylion. They still believe that the account is mine, and yet Moneylion refuses to provide me with any information about the loan or where they sent the money. 
I have since filed an Identity Theft report with the county sheriff.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Not to mention the inaccurate information thats lowering my credit score! 

Payment history is terrible invalid
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (CO)

Suddenly my card gets declines last night at XXXX XXXX XXXX no reason why, every transaction since has been declined even though there's more than enough money on the card, started a chat and they stated, " As much as I would like to have a different response for you right now, You are unable to complete this transaction with your Cash App Card. For security purposes, we do not have further information to provide. '' I called them and they said the very same thing and then hung up on me when I asked to speak to a supervisor, isn't this a federal issue if they're not giving my access to my money without reason
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank at the corner of XXXX and XXXX and city wide in XXXX XXXX Texas outsources their ATM Services to a third party vendor. These machines are constantly broken down at least once a month. These ATM machines often do not function at all and when they do they function poorly. 

On XX/XX/year> I deposited {$700.00}. I counted the cash before deposit and verified that the amount was {$700.00}. I did so because about three weeks prior a Wells Fargo Bank location in XXXX XXXX XXXX had shorted me {$100.00} and I was able to obtain a credit for that amount. I followed the recommended procedures and called the XXXX number on my deposit slip to file for an investigation from the ATM Claims Department XXXX On XX/XX/year> a letter was sent out from the ATM Claims Department that the amount I deposited the was {$600.00} not {$700.00}. I spoke to XXXX and his supervisor and informed them that I had in fact deposited {$700.00} that day not {$600.00}. They failed to honor my claim to my money. 

Wells Fargo steals money from its customers through ATM machines that do not function to serve customers needs but rather steals money from unsuspecting customers who use their ATM 's. A review of their bank records will confirm that their ATM break down monthly and I am probably on of many in a class of consumers that are being defrauded by Wells Fargo bank.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VA)

I have been a customer of XXXX XXXX XXXX XXXX XXXX  ) for more than XXXX years. Macy 's accounts are now administered by Citibank, NA. On XX/XX/XXXX, I received a notice from Citibank that my APR had been increased by a significant amount. The notice contains all required information, but I wished to understand the reasons for the increase as I had never been delinquent. 
I called the customer service line and waited for XXXX minutes to speak to a customer service representative. I explained that I wanted to know why the ARP had increased. He told me to have a nice day and hung up without further response. 
I still want a written explanation why my APR has increased.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates was sent a certified letter on XXXX XXXX. I requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. XXXX XXXX XXXX failed to provide the above-mentioned item and just sent a letter stating they own the debt. I informed them if they could not provide the requested documentation of all parties involved I want the item removed from the credit report IMMEDIATELY. To this date they have not complied. 

Portfolio Recovery Associates : XXXX
Consumer complaint received 2024-07-08
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. (CA)

1st I called them as to why I wasnt getting any statements in XXXX of 2023 and the told me I was paid off I said that wasnt true I still owed approx XXXX. They would not allow any payments. I was no longer getting any statements. About 4 months later Bloomingdales reported me to the credit bureau without every resolving the problem or sending statements. As far as theyll were concern, I didnt owe anything. I wasnt too happy about it, complained and they denied everything. I was later allowed to start paying the money that I owed. I was bothered that they reported me after not allowing me to pay what I owed, in the 1 st place. so I closed the account. I am paying with a current balance of {$5300.00}. Last week out of nowhere the added {$5000.00} and cant give me an explanation as to why my balance is now {$10000.00}.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: First Technology Federal Credit Union ()

I TRIED CREATING XXXX XXXX XXXX BUT ALL COMPLAINED THEY CAN'T GET ME AN ACCOUNT PLEASE I DON'T KNOW WHAT TO DO NOW. THE COMPANY INVOLED ARE XXXX XXXX XXXX XXXX  AND MANY MORE ONLINE BANKINGS
Consumer complaint received 2023-05-26
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: Aldous & Associates, PLLC (TX)

This illegal collection agency stayed in one of their responses they were going to treat their lack of prior notification required by regulation, F as a dispute, and they were going to mail that dispute information to an address on XXXX XXXX. I responded to their response and told them that was not my address. Apparently according to them thats where they sent the information anyway even though they were told that is not my address. Theyve already admitted they did not send the initial disclosure notice as required by the fdcpa and now theyre admitting theyre sending information to an address and it doesnt belong to me because theyve been told Im no longer at that address.. I have reached out to the individual that is now living there. If they receive anything from this company, it will be returned to them certified mail. She is then going to send me proof that its been returned.. once I receive that proof, I will give this company 45 days to remove their illegal collection from my credit file or Im going to sue them and Im going to use all of their responses here against them in court. They have been told multiple times the address they have on file does not belong to me. They have admitted to never sending an initial disclosure. They just dont care. Not only will I be suing them, but I will be suing their client as well. Ive already got 20 people that theyve done this to, were going to file a class action lawsuit.