davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In XXXX, I entered into an auto loan agreement with XXXX XXXX for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing. 

This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to XXXX XXXX. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with XXXX XXXX to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with XXXX XXXX, they ( XXXX ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed. 

However, by XX/XX/XXXX, XXXX XXXX reported a missed auto loan payment to Experian, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted XXXX XXXX The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call XXXX again to confirm the XX/XX/XXXX transaction and to stop treating this consumer as delinquent.
Consumer complaint received 2022-12-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of 2020, a Bank of America account was opened under my name that I was not aware of. Ive disputed this multiple times with Bank of America and XXXX XXXX XXXX however they refuse to remove from my report.
Consumer complaint received 2015-06-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau (IL)

We keep getting calls from an agency. When call them back to find out about the debit, I am told they do n't have a record of my number and they will take me off the list. The calls have not stopped and I have called them several times with the same result.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (MD)

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.
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (IL)

I have contacted this Dealer several times in regards to rectifying their mistakes and damage caused for their negligence but have not received any formal response. 

I am excising right to rescind due to this companies negligence, deceptive practices & fraud. I was given financing from a financial institution but was still required to pay the company what was " considered '' a downpayment in the amount of {$1400.00}. Under the Truth In Lending Act 15 U.S.C. 1601, et seq. ( TILA ). [ XXXX ] TILA requires originating lenders in particular consumer credit transactions to provide certain disclosures about the loan terms and the rights available to the borrowers. If a lender fails to adhere to the TILA requirements, consumers are provided certain remedies, such as suing for damages or rescinding the loan entirely. [ XXXX ] Such information was not provided to me. I have subsequently exhausted all options at this point and would like assistance in getting my issue heard and resolved.
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX, CAPITAL XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TX)

XXXX XXXX XXXX XXXX is asking me to pay a debt that had been resolved in XX/XX/XXXX by CACI, another debt collector. The primary creditor was XXXX XXXX XXXXXXXX XXXX XXXX I refer to you two complaints I filed in XXXX, CFPB XXXX and CFPB XXXX. One was for XXXX XXXX XXXXXXXX XXXX XXXX and the other one was for CACI who claimed to be a creditor for me which was not true. 

I just discovered a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX who claim to be collectors for Cascade Capital Funding LLC, ( CACI ), and identifies the original creditor as XXXX XXXX XXXXXXXX XXXX XXXX 

On complaint CFPB XXXX, CACI stated the following : A conversation took place on XX/XX/XXXX, XXXX XXXX stated insurance had previously paid the debts. At that time, we placed this account in a dispute status and requested XXXX XXXX provide proof of payment to our office for verification. On XX/XX/XXXX, CACi sent notification to credit reporting agencies to remove this tradeline from XXXX XXXX credit report. Should XXXX XXXX have questions or need further assistance, please contact our office directly at XXXX or email us at consumerhelp@caciXXXX On CFPB XXXX, CACI responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Consumer Adjustment Company , Inc. ( CACi ) appreciates the opportunity to address this consumers concerns. After reviewing this complaint, CACi has reached out to our client regarding further documentation pertaining to the two accounts placed in our office. After consideration, the Cascade Capital Funding has requested CACi close these accounts with our office and return to them. On XX/XX/XXXX, CACi closed these accounts in our office. Notification will be sent to credit reporting agencies to delete these accounts from the consumers credit report. Please allow up to 30 days for credit reporting agencies to update their records. Should questions remain, please contact Cascade Capital Funding directly. 

The letter I received on XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX, states very clearly the Current Creditor is XXXXASCADE CAPITAL FUNDING LLC, which is not true because they were attempting to collect 2 debts for XXXX XXXX XXXXXXXX XXXX XXXX. CACI submitted false information to XXXX, XXXX, and XXXX Credit Bureaus claiming that I, XXXX XXXX, owed a debt to CACI. 

I just submitted another complaint with CFPB, XXXX CFPB Complaint Number XX/XX/XXXX at XXXX hours. CACI should be admonished in some way for attempting to collect a debt which they have no right to be compensated for. 

XXXX XXXX
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (FL)

put a request for XXXX  in, said it went through, but they shut off my credit card and XXXX never went through, but balance still shows on my file and credit report. this company is harming me with their lazy and inaccurate practices.
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I have been paying extra into my Nelnet student loan and interest is being taken out of the extra payments. These payments are paid after I pay my regular monthly payments. In one instance, I paid XXXX extra and XXXX dollars were put to interest. Another instance, I paid XXXX and XXXX dollars went to interest. I am trying to pay off the loan quickly but the servicer is XXXX  majority of those extra payments to interest. Both in XXXX.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (TX)

My SoFi debit card was lost on XX/XX/XXXX. The following two days after ( XX/XX/XXXX & XX/XX/XXXX ) I was charged {$59.00} in total for two separate unauthorized transactions. One was from XXXX grocery store here in XXXX. Two the second one occurred at XXXX XXXX XXXX XXXX I have been begging for a refund of this exact amount nothing more or less, yet no resolution as of late
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (TN)

I am sigue agent branch XXXX and I made two extra deposits to my agent money transfer account on XX/XX/24 for the amounts {$1000.00} and {$12000.00} which come to {$13000.00}. I will need a refund check for that amount sent to my business. I am also owed commission for the past three months that I have not received.
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance of the Fair Credit reporting act, this creditor, XXXX  XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. The dates include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand these late payments be removed in accordance of Law 15 USC 1681 section 604A section 2, or I will be forced to take legal action.
Consumer complaint received 2021-07-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MA)

I have been using American Express ( AMEX ) Credit card from the end of XXXX in XXXX. And I have been using AMEX app since XXXX. 
I opened XXXX XXXX XXXX account in XXXX on the phone using AMEX app. 
I tried to internet transfer {$80000.00} to AMEX from XXXX  XXXX XXXX ( XXXX ) XXXX XXXX. 
Transfer was returned on XXXX XXXX. 
I tried to internet transfer {$80000.00} and {$10000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
Transfers were returned on XXXX XXXX. I thought they might have upper limitation to transfer at one time, so, I tried to transfer {$10000.00}. 
I tried to internet transfer {$90000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
Transfer was returned on XXXX XXXX. 
I thought I wrong routing number, I set again. 
I tried to internet transfer {$90000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX transferred {$90000.00} on XXXX. 
I received email from AMEX about " statement available '' on XX/XX/XXXX. 
I received an email from AMEX about " online enrollment restricted '' on XX/XX/XXXX. 
I called AMEX XXXX. 
They said they have decided to close my account due to business decision. 
They asked me to talk with XXXX  XXXX XXXX to recall this fund. 
I visited XXXX  XXXX XXXX 4 times to solve this issue. 
I called ACH, fraud clime team of XXXX several times. 
AMEX said only that i asked XXXX to recall this fund. 
XXXX said they couldn't recall this, because this was not fraud. 
But unfortunately, I am stuck. 
I am not sure that this was fraud. But could you please survey this issue.
Consumer complaint received 2023-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (MI)

I have had vision coverage for eye exams for over a decade. I went to my local optician, XXXX XXXX XXXX XXXX ( Now known as XXXX XXXX ) in 2020, and they mis-billed my eye exam. I have received statements from them and called them directly and they said they would take care of it. For years I have been trying to get this resolved as they are asking for {$260.00} for a simple eye exam that should've been covered 100 % with my plan. I have countless notes and phone calls between them and XXXX XXXX XXXX out of XXXX XXXX, MI. I even have a voicemail from XX/XX/2020 from XXXX, customer representative, saying my balance has been taken care of. However, I continue to receive phone calls from AmeriCollect regarding this debt owed and I refuse to pay it when I had eye care coverage.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NC)

" Venmo '' is a company that appears to be owned by " PayPal. '' The Venmo website states : " Venmo is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. XXXX  PayPal , Inc. '' Venmo is utilized by many people, especially small business owners, to receive money. One of these small business owners sent me their Venmo link, where I attempted to pay them. The Venmo app failed to work, and I contacted Venmo customer service. Instead of receiving help, my account was suspended and then frozen. This experience is commonplace amongst Venmo customers, according to countless online reviews. See here for some of those reviews XXXX XXXX XXXX XXXX I decided I wanted nothing to do with Venmo and demanded that Venmo permanently delete my account and all associated data. Venmo has not done so. I have multiple emails proving this.
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

payment made XX/XX/2021 {$310.00} to XXXX XXXX XXXX directly after calling Conserve who said to pay XXXX directly and the collections would be remedied. Conserve then hit by credit and refused to remove themselves from my credit report stating I was delinquent still. Despite having paid XXXX XXXX XXXX directly.
Consumer complaint received 2022-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RAYMOND JAMES BANK (OR)

My mortgage was transferred from XXXXXXXX XXXX XXXXXXXX to Raymond James Bank. During this process something went terribly wrong. XXXXXXXX XXXX XXXXXXXX sent me a letter than my loan transferred on XX/XX/XXXX, but Raymond James Bank says it transferred XX/XX/XXXX. Both banks insist that they are correct and WILL NOT TALK WITH EACH OTHER no matter how many times I have been on the phone with them since the middle of XXXX. I didn't want to pay twice in XXXX but I couldn't get this cleared up and Raymond James Bank said they would send me to collections so I paid both banks for my home loan in XX/XX/2022, thinking I would be able to get this worked out. I have now spent over XXXX hours on the phone between the banks but can not get resolution. Raymond James says XXXXXXXX XXXX XXXX needs to pay me back, XXXXXXXX XXXX XXXXXXXX says they transferred my XXXX payment to Raymond James in the loan transfer and Raymond James needs to address me paying them in XXXX and getting my XXXX payment from XXXXXXXX XXXX XXXXXXXX. Raymond James Bank says no way, they never received this payment, I need to talk to XXXXXXXX XXXX XXXX XXXX  says, it was transferred with the full lone, Raymond James just isn't seeing my XXXX payment because it was not called out as a line item, it was just reflected in the loan during transfer. I shouldn't have two pay two banks for one loan in XXXX and I didn't ask for my load to be transfer and all these problems. Both banks state their loan transfer date is correct, and the other bank needs to refund my funds for XXXX. The banks WILL NOT TALK TO EACH OTHER, it is their policy. Thus, even though I have submitted bank documents, letters of loan transfer, they are not willing to help me and get my XXXX double payment back. I have been trying to work with these banks for 4.5 months now calling weekly but can not get help. When looking at my documents, I paid Raymond James for the XXXX payment on XX/XX/2022, this is not the XXXX payment ( they like to say that ), the XXXX payment was paid on XX/XX/XXXX. I paid XXXX for the same loan in XXXX on XX/XX/XXXX. 2022.
Consumer complaint received 2023-11-09
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: CITIZENS FINANCIAL GROUP, INC. (MD)

On XX/XX/2023 an unauthorized hard inquiry was placed on my credit report by XXXX XXXX XXXX. I also noticed I had another unauthorized hard inquiry from CITIZENS BANK on XXXX when I was on the phone with them looking at my inquiries. These inquiries were not authorized by me and I would like to have them removed from my credit report.
Consumer complaint received 2023-08-03
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: CREDIT ACCEPTANCE CORPORATION (TX)

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : Credit Acceptance Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. 

I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIRST PORTFOLIO SERVICING INC (SD)

Total visa credit card has not help much on anything of my concerns, problems, then today I get notified my account was added to my credit report when the card was opened in XXXX of this year. Total Visa won't change their attitudes, mood towards me, helping, won't add my phone number to account. They think I need send a letter to XXXX XXXX address. Seems strange, most companies can update info thru passcodes, or email verification! I'm had My last string, so that's why I'm reporting them
Consumer complaint received 2023-08-09
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. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments.

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship. 

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, XXXX XXXX