davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report :
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Exxon Mobil/Citibank is reporting inaccurate information to the Credit Bureaus XXXX I disputed this information with the Credit Reporting Agencies who report that Exon Mobil/Citibank attest that the reporting of the account is accurate. To that end, I disputed the item directly with Exon Mobil/Citibank and they again attested that the reporting is accurate. The account is listed as having been closed on XX/XX/XXXX. This closed account was listed as 120 days late two months later in XX/XX/XXXX. The account also is listed as both Settled for Less Than Full Balance and Paid in Full, the account is in fact Paid in Full. As stated, Exxon Mobil/Citibank has now verified that this reporting is accurate with the credit bureaus and all subsequent responses.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX claims I had a late payment in XXXX of 2022. I never paid late, I simply started paying weekly to pay off faster. I made numerous attempts to resolve this with them and they will not remove this false late payment from my credit. this has negatively impacted my report and my life. I would like this resolved asap please.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (PA)

On XX/XX/XXXX I lease a XXXX XXXX XXXX from XXXX used XXXX I have the Vehicle Contract which has missing information on it the finance charges are double and hidden for a used car I agreed to pay {$16000.00} plus {$1300.00} which is a total of XXXX ( Not XXXX ) after a down payment of {$3000.00} XXXX ( not {$15000.00} ) Amount financed shows up XXXX with 20.51percent interest will be {$3100.00} which is a total of {$18000.00} total owing the car payment of {$470.00} XXXX payments paid {$12000.00} which should be a remaining balance of XXXX remaining ( not {$11000.00} ) double charges for financing hidden fee thats not reported on the purchase contract been asking for total price so I can get refinance with a different company but I keep getting the run around Credited acceptance is hidden finance charges which makes the contract Fraudulent there not reporting the amount to customers of their financed charges they what XXXX for a used car thats not right and they hide of the financing charges and set up is up to fail I contacted a lawyer and I will also contact the Attorney Generals offices in Pennsylvania XXXX
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2017, I attempted to contact XXXX XXXXXXXX XXXX to cancel my month to month membership on multiple occasions, never receiving a return call from my membership representative, XXXX XXXX. I relocated away from the gym, and have not been on the property since XX/XX/2017. 

As a last resort, I went ahead and contacted Bank of America to place a stop payment on the automatic withdrawal being removed from my account. After Bank of America went through their 90-day due diligence process, they successfully completed the stop payment, and returned all funds to my account. 

After receiving collection notices from XXXX XXXX via my email, I contacted XXXX XXXX ( Corporate Collections ) via email to notify her of the situation. All of the sudden, on XX/XX/XXXX {$330.00} is deducted from my account. 

Bank of America informed me that there is nothing they can do about this, since, " XXXX XXXX changed their name on the ACH in order to get the charge through ''. Bank of America also told me there is nothing they can do to get my money back, even after a successful stop payment was placed on XXXX XXXX. I would need to change my account entirely. 

XXXX XXXX informed me they will not return my {$330.00} as my membership was active, and only formally canceled when XXXX received my email regarding the situation. 

I will be closing my Bank of America account, as this is a complete disgrace to their attention to customer account security. As far as XXXX XXXX, their behavior, customer service, and collection tactics are simply " criminal ''. 

I'm never one to complain, but I've been driven to the edge on this situation. One company will go to any length to bill for services never rendered, and a bank unable to protect its most valuable assets, it's customers!
Consumer complaint received 2023-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I called the bank to pay and work out payments my past due amount is XXXX. How? My payment are XXXX a month I paid XXXX in XXXX and then kept trying to make payment but they took the loan off the app so I couldnt pay on the app anymore. I called and no one called me back. I emailed the loan officer multiple times with promise of call back and no never happened. 

XXXX they refuse to let me make a payment then I got a letter in the mail to file in court. When they refuse to call me back for months and months to make payments I cant make payments on the app anymore.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TN)

SEQUIUM ASSET SOLUTION has reported a debt on my credit report advising i owe {$400.00}. Ive asked this company plenty of times to validate this debt send me supporting documentation that this debt indeed belong to me. This company has failed to do so i would like for this company to STOP reporting this debt have it remove and send me paperwork that i owe this company.
Consumer complaint received 2023-11-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

The debt collection company, Hunter Warfield, is an agency who is employed by their client, XXXX XXXX XXXX. They claim a debt is owed for late fees of non-payment of rent during the COVID-19 pandemic. The rent was ultimately paid through the governments CARES Act. It is my understanding that rules and regulations under the CARES Act does not permit our previous landlord, XXXX XXXX XXXX, to impose such late fee 's. In addition, I was served a three day eviction notice, which states that after three business days, the lease contract is null and void, and that I must pay, or vacate. I vacated the property shortly after receiving the three day notice ( roughly 30 days after receiving the notice ) yet XXXX XXXX XXXX  insisted upon charging another full months rent for failing to provide a 30-day notice.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Received a collection letter from progressive management systems in XX/XX/2023 XXXX a bill amount of {$420.00}. This is an incorrect collection letter stating I owe XXXX XXXX XXXX group money for which I have never been to this facility nor have ever seen any doctor from this facility. This is a fraudulent collection letter and does not belong to me. I did contact progressive management systems and filed a complaint stating this was a fraud, and they directed me to file a complaint also through CFPB debt collection.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I collection debt was added to my credit report in XX/XX/2018 by XXXX XXXX for the amount of {$460.00}, I tried to contact the company I they said they were looking into this and never got a call back, I tried calling again several times and they kept pushing me away.. 

The weird thing is I have a XXXX account active and I do all my payments monthly with out any delays and still have this collection deb, it does not make any sense.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I'm have been denied for every single credit I've applied for, my credit score from XXXX is not right. Every credit union, Bank what ever all say no, I understand that I have no credit but I'm being turned down by every one and it's discouraging I have... well had a job but car broke down applied for loans but was denied due to the number of inquiries but there all for one thing financial help so I didn't lose my job which I did anyway because my credit score and Discrimination. Each time I get denied it says that my credit score played no part in their decision but says my score reflects a number between XXXX to XXXX not saying what's a score they can work with
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (UT)

On  XXXX  I received a phone call from a collector at  Wells Fargo  regarding my account that was past due. I told the collector I paid a small portion ( what I could afford ) over the weekend and she said " yes, but your account still has  XXXX  dollars that 's past due. She repeatedly tried to schedule a payment and I told her I would pay when I had the money to. She pressed again and again, and when I caved and told her a date, she started pressing about scheduling ANOTHER payment after that  XXXX . I told her I was uninterested and that I 'm going through some financial hardship right now and asked what my options would be. She did not answer my question, and continued to ask why I would n't just let her schedule the payments. I told her because I could n't guarantee the funds in the account trying to pay the balance. I eventually hung up on her because she was insistent and I was just outside, enjoying the evening, pushing my son on his tree swing.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Payment dispute was started and closed without submitting a receipt. USAA said the dispute would be reopened if i submitted the receipt. I have submitted the receipt twice and still have not recieved resolution. The merchant has already agreed to, and has proof of refund. However, USAA will not return the money. USAA called to claim I have not submitted a receipt. Which I submitted hours later.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Harmon Law Offices, P.C. (MA)

Harmon Law PC attorney XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX has published for a second time XXXX XXXX newspaper ILLEGAL foreclosure advertisement see attached ad dated XX/XX/XXXX containing wrongful/false information showing that the FDIC has standing to illegally take my home into this illegal foreclosure, much false information causing PUBLIC Deformation of Character, Slander and Banking Fraud being that it's client XXXX claims to have standing via the FDIC when in fact in addition to the counterfitted and forged documents shown in Federal court Docket # XXXX also showing XXXX XXXX on this account ( XXXX ) see attached. I am being severly abused with this Publically advertised information AUCTION AD for this ILLEGAL foreclosure..I will be seeking damages as well as sanctioning ( BBO ) of this attorney directed by this criminal client XXXX XXXX XXXX XXXX XXXX . see all attachments!! 

PUBLIC DEFORMATION OF CHARACTER AND SLANDER AS WELL AS BANKING FRAUD!!!
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services (VA)

I purchased a XXXX XXXX XXXX in the amount of {$10000.00} in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for payments to be XXXX XXXX Monthly for a total of 60 months to LendMark Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XX/XX/XXXX this vehicle malfunctioned stopped running, I had it towed to XXXXXXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
XXXX informed me that the engine was gone and the cost to repair the vehicle would be {$7000.00} ; I did not have the funds to repair this vehicle and make monthly payments, also with paying auto insurance, personal property taxes for a Vehicle that was not operating. I continue making monthly getting behind in all monthly payments accumulating late, late fees. I XXXX in XXXX of 2023 requested a reduction in monthly payments with the XXXX XXXX through XXXX, payments went from {$320.00} to {$240.00}. Please this vehicle failed 7 months after I obtained it from the Dealer. My Loan balance stands at {$6200.00}. I continue to pay the Personal Property taxes due on the vehicle twice a year ( XXXX & XXXX ) Also currently paying XXXX XXXX XXXX. I am requesting, please assistance in dissolving this Loan completely due to the failure of the vehicle within a short period after purchasing it.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (VA)

I missed one payment for the first time in my length of credit. In doing this I was working with my bank to figure out the best solution for some type of balance transfer. I was doing this because when making my monthly payment, it was only covering the interest not deducting anything else from account. After missing one payment I was getting phone calls from Discover once to twice a day and on weekends. I feel I was being harassed after one missed payment. I talked to 3 different people on the phone and no one could give me a clear answer about taking interest off if a payment was made. Could not also get an exact amount for what was owed on the card to do a total payoff. The bank ran my credit score for a balance transfer to their credit card. I'm dealing with all this in XXXX month my credit scored dropped over XXXX points and cost me a denial of a personal loan. I feel like this is terrible business practice and felt I got mistreated as a valued customer who has had this credit card for years and missed one payment.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and they are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-11-17
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: EQUIFAX, INC. (OH)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX