davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They keep on calling my work several times a week. This is a debt I did not know I had because I was paying monthly through my checking account and was always current. I asked them to send me paperwork showing the debt I owed and said they would not.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I financed a used car on XX/XX/XXXX, with a used car dealer at the time they were in a transition to change their company name from " XXXX XXXX XXXX '' to what they are now called " XXXX XXXX ''. The loan company is named " Credit Acceptance ''. 

On my bill of sale I owe {$25000.00} for a XXXX XXXX XXXX XXXX quad cab. I was also informed that this is the total amount I will owe. 
But when I logged in to my online account today with credit acceptance on XX/XX/XXXX, it shows that the initial cost of the vehicle is {$44000.00}. Which is untrue. Other times I have logged in prior to this I've noticed it fluctuated from XXXX to the XXXX range. and today {$44000.00} is what is reflected. 

I sense there is some numbers manipulation going on here and I sense that credit acceptance is not being honest and is not conducting business in complete legitimacy. 

Also at the time this was my first time purchasing or making any kind of auto purchase ever and I knew nothing about credit or interest ratings for car loans.

After making this mistake I've learned that the whole time I was being taken advantage of as I didn't know that 22 % APR on a used car was so high. Whether that be a used car or a new car for that matter. I learned that this rate is unacceptable as I tell everyone about my APR interest rating, they all tell me its extremely high and that I pretty much got taken advantage of. I demand that this unfair act be corrected and that no one else shall have to face the same financial hardships I have due to such high rates! 

I would like to move forward with addressing these issues and have the credit acceptance company take full responsibility for their actions! 

I have looked at my online contract and noticed there were fees not discussed in greater detail with me at the time of making the purchase. I initially thought that I would be paying only {$25000.00}. I realized now that it was the high interest rate at 22 % that made this amount go up. It doesn't make sense to me and I'm not happy about it at all. I feel as I have been tricked into making the purchase and no one ever explained to me that I would owe more than the vehicle was worth!
Consumer complaint received 2023-01-03
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. (TN)

I'm not sure what legal authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow or share any public information with you. The United States bankruptcy court clerk advised they do not report to the credit bureau.
Consumer complaint received 2017-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened a new account with Citi Bank and provided the account number and routing number as shown in my mobile app to my employer for direct deposit on XX/XX/XXXX. 
The direct deposit was made on XX/XX/XXXX by my employer but it was not credited in my account, I had a financial obligation on XX/XX/XXXX which depends on that amount ( XXXX ). 
Upon reaching out to Citi bank all day long they told me the amount will be deposited by the end of the day, which never happened and I sustained a financial loss on that day due to that. 
On Friday XX/XX/XXXX Citi Bank sent a letter to my employer stating that I entered a wrong routing number and they provided the correct routing number and my employer sent that back to them ; the routing number I entered was provided to me in my Citi account info app ( will be attached ). 
Till this moment, the funds are not in the account, no reason was given by Citi bank despite reaching out to them more than10 times daily and me continue to get financially harmed by lack of funds. 
My Citi Acct number is XXXX, the routing number as it appears on my account info is XXXX, the correct routing number which was given by Citi to my employer is : XXXX.
Consumer complaint received 2023-01-03
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. (TN)

I'm not sure what legal authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow or share any public information with you. The United States bankruptcy court clerk advised they do not report to the credit bureau.
Consumer complaint received 2023-01-16
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. (NY)

I recently pulled my credit report and found the following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( 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. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

I have received several notices in the mail at my home for a debt belonging to a person by the name of XXXX XXXX XXXX. I contacted the debt collection agency on several occasions as I receive these notifications every six months. The name of the agency is Collections Unlimited TX Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX TX XXXX phone number XXXX. Each time I receive the notice I contact the agency inform them that I 'm not the person they are looking for and I have never lived at the address which is associated with the debt they are trying to collect which is XXXX XXXX XXXX XXXX. each time I contact the agency they say that my address will be removed and I will not receive any additional correspondence from their office and again six months later I am following up with them to try to resolve the issue this has gone on for the last 3 years. I think I have been extremely tolerant up to this point and now it is getting a little annoying, any assistance you could provide would be helpful.
Consumer complaint received 2023-08-16
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: Resurgent Capital Services L.P. (GA)

At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, LVNV, XXXX, XXXX, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on XXXX and XXXX as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from LVNV stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account was reported as delinquent onXX/XX/XXXXeven though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAM National Arbitration and Mediation (NY)

I received a call from a process server to call a XXXX number due to small claim matter called and was advised for a bill from 2010 asked for copy of statement never received. Got anothet call 2 weeks later regarding debt and advised same thing they faxed me a statement saying adr group is who i owe asked for validation They informed me they would see me in court.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America has locked me out of my account after trying to deposit a {$1000.00} check from my uncle. The check was rejected by the bank in spite of the check being valid and the maker account being funded. The funds were then re-sent to me via XXXX for the same amount by my uncle. I was able to access a portion of the funds, but Bank of America locked my account later that day on XX/XX/XXXX. They locked me out entirely right before XXXX. I also receive XXXX XXXX into that account. The date they locked my account was already after the cutoff time to be able to switch the deposit to another account. I called Bank of America on XX/XX/XXXX they stated that due to the terms and conditions, they reserve the right to close my account for no reason and they have decided to do so for " business reasons. '' I spoke with two supervisors, and nobody could give an actual reason or explanation and refused to allow me to speak to anyone higher than the second-level supervisor. I spoke with them again on XX/XX/XXXX, and they stated that because the account is in the process of closing, I will have to wait until at least XX/XX/XXXX to have an official check issued to me as I am XXXX and currently live more than an hour away from the nearest branch. I am temporarily staying with my brother in XXXX Maine. They have yet to explain why they have terminated my account and I have been forced to go without access to my social security funds that were deposited into the account. I feel the bank has blatantly abused me as they know I have limited resources and that there will be little to no recourse for their actions.
Consumer complaint received 2023-02-06
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and update the unverifiable accounts XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

When XXXX hit in XXXX of 2020, SPS offered deferment. I accepted it, as my hair salon business revenue went to zero overnight. Once deferment was up after XXXX  days SPS did not offer me any options but to pay the last three months and current month. That was no possible due to loss of income due to covid. I called SPS and they suggested I apply for mortgage assistance/ modification. They said i was a perfect candidate and not to worry. we began this mortgage assistance around XXXX of 2020, I was very prompt in getting the required documents, however SPS seemed to either struggle with understanding the process or dealing the process with asking question over and over that had been answered in documents or on phone with a rep. SPS has denied me mortgage assistance for the second time, they say I do not have enough net income for repayment, that is not true. I have offered to pay {$50000.00} upfront and begin a XXXXmoth repayment. 
They also say the protection time for being impacted by covid has passed. How has it passed this review was opened in 2020 and from what I have witnessed SPS has delayed the process. 
My home is very important to me, I tried to begin paying in 2020 however I was not allowed due to being in default, I was in default because SPS offer me deferment then asked me to apply for mortgage assistance. 
SPS has not acted in good faith in this process, they have delayed the process with elementary inquires. It could be the investor not the mortgage management company SPS, who ever is at fault for causing this process and or review to take over 3 years has not treated me fairly. 

All I want to do is pay my mortgage, come up with a resolution so that I can get current.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I spoke with XXXX on XX/XX/XXXX about the credit bureau reporting high credit utilization on XXXX, Experian and XXXX and was told the FCRA has contacted theses inaccurately reporting on my credit file. I want this escalated to get this from wrongfully reporting high utilization whi score. This is financially effecting me from moving and getting a new place to live. I don't know what else to do but file a legal action with federal court or the XXXX  against all parties.
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NJ)

i was in a car accident in XXXX XXXX i had full coverage insurance and gap insurance on my vehicle so it was covered and the finance company was paid in full. this account is being reflected on my credit as a REPO instead of a paid off account. i am now unable to get another auto loan because of this. i have spoken to several reps from the company and they told me they could not provide me with verification of a credit dispute sent on my behalf and all they could give me was the payment history showing my car was paid off. i was also told i now have to go through the credit bureaus to get this fixed
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

As of today XX/XX/XXXX we found out our mortgage had been sold to a different mortgage company. This morning my husband went on to the United Wholesale mortgages website to pay our mortgage and was told our loan was paid off and we have no option to pay through them. It has been sold to another company which we were made aware of today. That company is XXXX XXXX. I proceeded to download their app and attempt to pay. It says our account details have not been transferred over yet and it will take 2 days to be able to create an account with them. The date I will be able to make a payment through the new company will be XX/XX/XXXX, according to them. My payment will be late as of midnight tonight, XX/XX/XXXX. I have absolutely no way to pay. Yes, so have called both companies. I called XXXX and the automated message said my husband nor I exist at the moment. There are no accounts with our phone number, SSN, or loan number. I, then, called United Wholesale Mortgage and talked to XXXX. He told me they were not authorized to talk to me and my husband had to call. Quite a while ago we had this problem with them and we sent in copies of identification and a notarized letter giving me permission to talk to them and be added in as an authorized user. They claim them never got that, then he rechecked and found the letter that gave me authorization. However, he claimed it was only valid for 90 days. We have had nothing but issues with this company from the start. They have lost our payments for the months of XXXX and XX/XX/XXXX and reported them to the credit bureau as late. We had talked to about XXXX different people who said they would not get reported since it was their fault they lost the payments, but did not honor their word. As of right now, we have no way to make our payments and it will be late if it is not made by midnight tonight even though I have taken every Avenue to make sure it is paid on time.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP (KS)

on XX/XX/XXXX I opened a checking account with Associated Bank ( https : //www.associatedbank.com/ ). On XX/XX/XXXX I used its mobile app to deposit a check of {$4000.00}, addressed to me from my wife from her XXXX XXXX  ( XXXX XXXX XXXX ). The XXXX XXXX  records shows the check has been cashed by Associated bank on XX/XX/XXXX. Around XX/XX/XXXX I found out I can't access my checking account either via the mobile app or the bank website, therefore I called the custom service department, be told that my account is locked and under review, and should be released by XX/XX/XXXX. On XX/XX/XXXX, my account is still locked, I called the custom service department again, and being told that my account is locked by an employee named " XXXX '', and I was transferred to her voice mail. in the voice mail. I asked to her unlock my account so I can access my account. she did not reply my call. Today ( XX/XX/XXXX ), my account is still locked, and the custom service can't do anything except transferring me to XXXX 's voice. I left a voice mail to ask her to unlock my account or call back if she has any concerns about my account. As of now ( XXXX CT ), my account is sill locked and no one from Associate Bank has called me about my account being locked.