davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (GA)

Elan Financial Service closed my account and sold the debt to multiple debt collectors to collect. After about 6 months they reported to the 3 credit bureaus that the account was still open in order to refresh the account date. This is in fact illegal to do so after the account was discharged especially after the account was sold. I then received a letter yesterday stating that I was one of the 3.2 million Americans impacted by the data breach and in the letter it stated that my information was extracted from Elan Financial Service site. This wouldn't of happen if they did not refresh the already closed account and keep my information in there system. My information is now all over the dark web from my birthday, social, telephone number, email etc. Because this company double backed and wrote off the debt and still tried to collect the debt while refreshing the account date with all 3 bureaus my private information was extracted from the data breach. I am now receiving phone calls from XXXX. This has been going on since XXXX and I did not know why until now. I would like the Elan Financial Service account information removed from all 3 credit bureau sites/credit report along with some kind of identity theft plan. I can provide all this documented information if need be. Thank you for your time and patience, have a blessed day.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (TX)

My account with MB FIN SVCS was never late! I have had exceptional payment history with MB FIN SVCS 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 XX/XX/year> to XX/XX/year> 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.

MB FIN SVCS 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (TX)

I contacted my mortgage company, NewRez, on XX/XX/XXXX to modify my monthly mortgage payment from a Bi Monthly payment plan to a Monthly payment plan on the 1st of each month. The agent on the phone said that he cancelled my bi monthly plan and assured me that it would not be drafted out of my account on XX/XX/XXXX. He said to go online and set up a recurring payment to autodraft monthly which I immediately did after our call. On XX/XX/XXXX NewRez drafted 2 payments ( the bi monthly plan amount and the monthly plan amount ) out of my account causing it to overdraft, and for my bank to cancel one of the payments. I immediately called Newrez to inform them of their mistake and to make sure my mortgage was paid on time. They assured me it would be reflected as an on time payment. Around XX/XX/XXXX, Newrez tried to assess me a {$30.00} NSF fee for the payment being denied by my bank after their mistake. I again called and they said it would be taken off my account. I logged in today, XX/XX/XXXX, to see that the {$30.00} NSF fee is still on my account and still needs to be removed. After spending hours on the phone with them and multiple people lying to me and saying that everything will be taken care of, I no longer trust that spending another hour on the phone with them will get them to do their job.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX - XX/XX/XXXX the account was resolved through emails and telephone payments made. Customer service and the XXXX department agreed not to send the account to collections with a payment of {$280.00} in addition to the {$37.00} which had already been made online. After reviewing my credit report, the account has been sent to collection anyway regardless of the payment agreement and should not have.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (MO)

There are two accounts under charged off auto loans, the first is Exeter finance I was never given disclosures for my personal information privacy and legally according to the fair credit reporting act without my concent my information should not be on file and also the dates are wrong I also was never given an 1099c form for tax purposes
Consumer complaint received 2024-06-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (OR)

In the two years that this collections account has been on my credit report I have received exactly zero communication, written or verbal, from ProCollect. Even upon trying to contact them via email they do not respond. I officially disputed the debt through XXXX and STILL have not received any information. Even when trying to pay the debt online, my payment is processed and no funds are taken from my bank account. Does the company even exist anymore? I can not get ahold of them at all. Its as if they went out of business. I need this debt off my report and I do not know what to do.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merchants Acceptance Corp (CA)

There have been Fraudulent Items being reported to my Credit Report. The following account MERCHANTS ACCEPTANCE C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy if my FTC report and ID. ( Please see attachments ).
Consumer complaint received 2019-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have an Home Equity line of credit with Fifth Third Bank ( FTB ) .Account number XXXX XXXX I paid {$6300.00} at branch in XXXX.At time of payment teller confirmed that I paid total amount due including interest. On XXXX XXXX FTB withdrew {$580.00} from my checking account after loan had been paid off
Consumer complaint received 2024-06-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

XX/XX/year> requested transfer of {$10000.00} from XXXXXXXX by XXXXXXXX XXXX to XXXX XXXX by Webster bank. 
XX/XX/XXXX XXXX emailed requesting bank statement and drivers license XX/XX/XXXX I notified XXXX that I was no longer interested in the transfer, please stop the process. 
XX/XX/XXXX XXXX told me to contact XXXX and have them ask that the money be returned XX/XX/XXXX I contacted XXXX. They told me the return must be initiated by XXXX. 
XX/XX/XXXX I contacted XXXX. They said it would be in my XXXX account by the XXXX or XXXX for sure. 
XX/XX/XXXX, Money did not arrive at XXXX. I spent 6 hours on the phone with calls to both banks. XXXX says they cant transfer unless they get a letter of indemnity from XXXX. XXXX said they dont do that. I had XXXX and XXXX on the phone at the same time and they could not agree on the process. Supervisors at both banks could not agree on the process. I was told it could take 30 days to resolve this. In the meantime someone is holding my money and I am earning no interest. Online research shows that this is typical for XXXX.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AR)

I Have Around 8 Years With Us Bank, IN The Past 30 Days They Withdraw From One Of My Account The Amount Of {$900.00} From " Supposed To Be A Tax Levy From California " Causing A Big Overdraw On My Others 2 Accounts, They Took The Money With Out, Any Explanation, My Account Become XXXX Balance, Then 2 More Electronic Debits Came And I Make A Deposit Of XXXX Dollars To Cover This 2 Items After The Deposit As Been Clear, They Hold The Deposit With Out Any Warning For More That 2 Weeks Just To Keep Charging XXXX Dollars Every A Item Come, This Time After With Out A Excuse The Deposit As Been Made. The Manager Of The Us Bank In XXXX Idaho ( Lie ) And Explain Me Its No Way They Can Tract Who Took The Money Because They Said Not Have That Information, After 1 Month The Us Bank Send Me A Letter Saying Was Due To Tax Levy, Which In Reality ( The State Of California State They Do Not Have No Record Of Such Transaction ... Till This Day I Am Still Fighting This Issued And So Far Nothing As Been Done..
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Ava Finance, Inc (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AVA FINANCE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (CA)

I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies.

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX each month for my credit reporting and score.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I opened store charge account with Amazon on XXXX.The credit line was XXXX. I made purchases coming to around XXXX within a few days. Realizing this would hurt my credit because of high utilization I started making payments. No problem with the first payment. I then made payments of {$88.00} on XX/XX/24 and {$100.00} on XX/XX/24. Heres the problem, they said they are holding my payments instead of reflecting them on my account. They said rest assured that this will be available for use on XX/XX/24 and on XX/XX/24 respectively.. Is this legal? Those payments have already cleared my bank account. Now I have to stay stuck with this high credit utilization rate? I need my payments reflected
Consumer complaint received 2024-06-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/XXXX Columbia Debt Collection agency also named as Genesis originally emailed asking me to pay {$8000.00} in owed rental fees with interest at 6 % per annum. However, these debts had all been paid with the apartment in XXXX which is indicated by the email exchange with the Sr. Property Manager. I shared this via email and over a phone call. 

I have had multiple calls with them, as of XX/XX/XXXX they are now saying the {$8000.00} they were asking for was a mistake and that the real amount owed as of XXXX is ~ {$2000.00}. 

I have never been able to receive any documentation from them as of XX/XX/XXXX. They have been effecting for months what was once a XXXX credit score. 

Columbia Debt Recovery LLC, dba Genesis T Other numbers know by : XXXX ( XXXX ) XXXX from XXXX to XXXX PST, Monday to Friday Account : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-26
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. (GA)

I sent letters to all 3 national credit bureaus requesting that they provide me with my original signature and contract according to the section 609 rule. I also sent in an identity theft affidavit to show the case number of the police report. I received a letter back stating that all of my information has been verified, but they would never tell me how they verified the information. According to the FCRA AND THE FDCPA all information that is being furnished by the agencies must BE ACCURATE. I have found that information is very inaccurate on all of my accounts that were in dispute. How can a person open an account on two separate days? This information is being reported inaccurately and I would like for the bureaus to delete these accounts immediately and i will send the proof of the inaccurate information. They never sent me proof of the original instrument of indebtedness. According the section 623 rule, if items are being reported negatively on the report inaccurately, then the items must be removed immediately. They are unverified according to metro 2, they are not meeting the FCRA standards.
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC (CA)

My vehicle was repoed on XXXX XXXX my late car payment wasn't due til the XXXX a unidentified tow truck came and took my car at XXXXXXXX XXXX  on the XXXX and didn't give me any paperwork... on XX/XX/XXXX my car was then sent to auction XXXX hours away in XXXX XXXX XXXX.I pd my car up to date by the deadline on the XXXX of XXXX... I was told I needed to get the name of the tow truck company so I called global lending and they said they can't give that info so they told me to call loss prevention which they said call the tow yard whom turn around and said call ur lender XXXX XXXX XXXX I'm so frustrated no one will give me this information I don't know what to do please help me..if u need more information please email me.. 
Thank you have a gd day Sincerely
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

An unauthorized hard inquiry has been identified on my credit report, indicating a possible fraudulent credit card application. This inquiry, made without my consent, raises serious concerns regarding identity theft and financial fraud. Urgent measures are required to limit additional harm to my credit standing and thwart unauthorized access to my finances. I have promptly informed fraud identity and credit monitoring agencies to investigate and address this fraudulent activity. I implore you to safeguard my financial security and restore my peace of mind.
Consumer complaint received 2024-06-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (TX)

I have a {$50.00} gift card, the website and phone number posted on the card are : prepaidgiftbalance.com and XXXX I have attempted to check the balance on the card, but their website says " Card Not Found '' their phone number has a automated voice that continually asks me to input the card information. Either way, I am unable to retrieve the card information. Their website has no means to communicate with a operator regarding the problem.
Consumer complaint received 2018-04-26
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: Experian Information Solutions Inc. (MI)

On XX/XX/2018, I applied for membership and a savings account online with XXXX XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, MI. I wanted to become a member because I will be mortgage shopping and I liked XXXX 's rates. At the end of the application, I had to check a box saying that the XXXX XXXX XXXX XXXX would check my identification per Federal regulations. The notice did NOT say they would do a hard pull of credit, yet XXXX DID do a hard pull on my credit report which I would never authorize unless I was applying for a loan. By XXXX pulling a hard credit report, my score will fall by 5-20 points. I would never have applied to open a savings account had I know they would damage my credit score by doing so.The statement authorizing XXXX to verify my information does not specify they are doing a hard pull, and it is vague and deceiving ( attached ). I suspected by reading the verification authorization they would do a soft pull, thereby not damaging my credit score. I feel deceived and believe that XXXX must flatly state that they will pull a hard credit report when opening a savings account according to law. At no time or no place on the XXXX 's membership page do they state that they will do a hard credit pull. My score of XXXX will now be XXXX, therefore I have to wait to apply for a mortgage for 2 years because I will be charged higher interest rates because of the deception of XXXX.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

This new complaint is in reference to my previous complaint that was closed due to the companie response. Consumer Complaint No. : XXXX. I was instructed to reach out to the cashapp support team due to them not being able to continue on the investigation because they couldnt verify my idenity. I reached out to the support team and they was unable able to assist me. I havent received a phone call, email or anything from cashapp. If youre having a hard time verifying my identity then there should be an option for me to verify my identity as stated in the letter that was sent to me. Cashapp isnt following protocol and a through investigation has not been done on this account.
Consumer complaint received 2024-05-31
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.