davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
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. (CO)

XXXX XXXX should not be reporting to Experian and XXXX  that I was ( 30 ) days late in XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) On XX/XX/2020 I sent a letter to the XXXX XXXX Dispute Center ( please see attached for reference ) and requested they withdraw the negative credit information reporting. I outlined in detail the facts surrounding our lease return of the vehicle. The return of the vehicle had been accepted with no issues. During the entire term of my lease on the vehicle there was never any missed payments. The lates that XXXX is reporting is for a missing key payment, which I specifically addressed in my letter to the XXXX XXXX Dispute Center. I was not aware that XXXX had reported this account late until I obtained my most recent copy of my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried on multiple occasions to reach a representative at XXXX as well as the bureaus to remove these lates however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this false reporting is causing a hardship on my family to obtain a home mortgage loan. I graciously request, again, that these lates reporting be removed.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (OH)

in reference number complaint with your agency COMPLAINT # XXXX XXXX XXXX and trying to still collect monies NOT owed. XXXX XXXX has already been paid in full on XXXX. XXXX XXXX keeps trying to extort monies from me and will not contact Equifax to inform credit bureau that debt has been paid since XX/XX/XXXX, XXXX continues to keep trying to trash my credit report by refusing to list the debt paid in full. Equifax is no better. they are conspiring with XXXXXXXX XXXXy to keep trashing my credit report right along with these XXXX XXXX fake collection agency. this matter has been reported to federal trade agency as extortion and fraud. Please demand this XXXXXXXX XXXX  update its info o n my credit report asap. Requesting info on XXXX XXXX  collections to start civil litigation against this collection agency asap. As far as Equifax I have contact higher credit authorities because your agency did not one XXXX thing to enforce your laws against unfair credit laws act.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (NJ)

I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I was upset after I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (TX)

Visited the AmEx website to get information about prequalification. Prequalified for the XXXX card and two XXXX XXXX. When attempting the application for the XXXX card, there was an indication that info I submitted did not match their records preventing us from effectively applying. I did not feel the first rep fully understood or wasnt properly disclosing why our info was in their system, he passed us to XXXX who took a social security number but never clarified whether old info was in their system or adequately why he needed it. He never performed a proper authentication of our identity to disclose info that may have been in the system. I raised the concern numerous times that we didnt understand whether old info was causing the block ( which would have allowed us to try to take next steps ) or whether someone else was using my info. The original rep claimed he couldnt even see the prequal for XXXX and started pushing a card I was not prequalified for, the gold, which is showing elevated offers online. The problem is that if the XXXX cards, possibly, connected to old corporate accounts, but maybe not, are not the issue, what is but they never helped me understand what I could do to help myself if there is an issue. I was transferred to and spoke with a manager, XXXX, who the previous rep claimed was a middle school friend, who totally blew off my security concerns. Then ; Spoke with XXXX, who provided an XXXX XXXX address for complaints because apparently AmEx does not value prospects only client concerns, even when security related. Chatted with XXXX and he blew me off totally and was flippant in his replies. Im baffled that none took my concerns seriously when I was told that the name and email address in their file did not match my social and Im surprised that this company does not have a method or counseling to deal with security concerns for prospects. I thought their customer service was industry best but 5 people -including 1 supervisor- failed us. I do not want to wait for snail mail for resolution and the company has no expedited solutions for investigating security concerns. I wasted my time and got no information. Not interested in a relationship anymore now that I understand how clients are treated but want answers.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2021-03-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (MI)

on XX/XX/2021 I sent GM FINANCIAL a Cease and Desist, a Affidavit of Truth, Exhibits labeled with the companies violations of my federally protected consumer rights under TILA and the FDCPA, and a invoice for fair and appropriate compensation of the violations through certified mail with a green return receipt to prove the company received the documents. I also filed a complaint here through the CFPB with attachments containing everything that was sent to GM FINANCIAL supporting my claim of the violations and the section of the law referencing my consumer rights in which they violate. GM FINANCIAL responded to the CFPB with a letter that was unacceptable and unacknowledging of the fraud and violations they committed. The Affidavit of Truth filled with statements of truth which I sent to GM FINANCIAL ( and to the CFPB for documentation ) went unrebutted which by law stands as truth in commerce. On XX/XX/2021 GM FINANCIAL violated 15 USC 1692d- HARASSMENT OR ABUSE ; and 15 USC 1692c ( b ) - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION ( b ) COMMUNICATION WITH THIRD PARTIES ; when they implicated a third party debt collector to the whereabouts of my location information XXXX XXXX XXXX XXXX XXXX XXXX to Harass, abuse, and embarrass me by illegally repossessing my vehicle from my location at an inconvenient time while bystanders watched my privacy be invaded. I went to the repo companies residence to get my vehicle back and was told GM FINANCIAL has to send a release. When i contacted GM FINANCIAL i was told i have to pay {$1400.00} to have my vehicle reinstated, catch up on alleged debt from past due payments, late fees, and pay the tow fee from illegally having my vehicle repossessed unwillingly and provide proof of full coverage insurance which is supposed to be included in my finance charge but was never disclosed to me. Pursuant to 15 USC 1605, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I am the original creditor, I entered into a consumer credit transaction with GM FINANCIAL in which a finance charge is involved, and i am aware that GM FINANCIAL used my " Credit Card '' as defined under 15 USC 1602, to create the certificate of indebtedness and it is not my obligation pursuant to 18 USC 8- Obligation or other security of the United States defined. GM FINANCIAL is criminally liable pursuant to 15 USC 1611-Criminal liability for willful and knowing violation ; for violating my rights as a Federally protected consumer under 15 U.S. Code CHAPTER 41- CONSUMER CREDIT PROTECTION. GM FINANCIAL is civilly liable pursuant to 15 USC 1640- CIVIL LIABILITY ; in my individual action for damages, for twice the amount of the finance charge in connection with the transaction.
Consumer complaint received 2017-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My loan transferred from XXXX to Navient in XXXX. Upon the transfer, I looked at the Navient website to make sure the details were accurate. The loan amount and the projected last payment date were incorrect. I contacted Navient to have them conduct a review of my account. They sent a document that would not be discernible to anyone. It did not answer my question. 

I called Navient on X/X/17 to gain an understanding of what was happening on the account. The Representative advised me that the date was correct. I asked for proof of the date being correct. She informed me that no one was going to send me a spreadsheet of the payment schedule. By Navient 's calculations, I currently owe approximately {$17000.00}. By their payment calculation date, I would be paying back {$63000.00} on a loan of $ XXXX - that is {$44000.00} in interest!! I was told a different payoff date from XXXX. They communicated that I would be completed my student loan in XXXX. 

Navient refused to help me. They insisted that their calculations were correct. They would not conduct a review of the account. Even when I explained that $ XXXX  in interest is outrageous and makes no sense from a mathematical perspective, I still received the answer no one is going to assist me. 

Please help me with making this company acquiesce to a reasonable request, and review my account mathematically - not just because their system says so. Technology and Systems can be wrong and have bugs. I believe they are overcharging me and they refuse to help explain it. 

Thanks, XXXX Thanks, XXXX
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My Husband and I lived in these apartments back in 2013 and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX of XXXX, my mortgage was sold to PNC Bank. My escrow account was also transferred to them in it's entirety from XXXXXXXX XXXX My Property taxes which were due for the amount of {$1700.00} were due on XXXX XXXX, XXXX. PNC Bank failed to pay my property taxes out of my escrow account. I noticed the error on XXXX XXXX, XXXX and immediately notified my lender of the mistake via a phone call. The lender initiated an investigation and told me to inquire again on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX they had still not concluded their investigation and I was advised by a financial advisor to pay the taxes myself out of pocket and pursue getting the money back from PNC Bank. I took this action on XXXX XXXX, XXXX. Paying my property taxes of {$1700.00} plus an additional {$85.00} in interest and fees. I called PNC Bank again to let them know of this, and was told they would reimburse me for my expenses. I forwarded all the proper receipts and documentation to PNC Bank on XXXX XXXX, XXXX. 

It is now XX/XX/XXXX and PNC Bank claims to still be " investigating '' my case, but has not provided any resolution or sent me any of my money which is due me for paying my property taxes. 

I am glad I took the action of paying the taxes myself, as if I had not, my house would have been placed under a lien on XX/XX/XXXX. PNC Bank has not provided me any reason why they can not reimburse me for the funds I have paid out of pocket for their mistake.
Consumer complaint received 2021-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received notification from XXXX/XXXX/XXXX  that my credit had been ran on XX/XX/2021. This was not initiated by me and so I called CapitalOne to get some information. The customer service rep said they had no information about their organization running my credit. I was concerned about their inability to find ANY information or record of them running my credit within the last 24 hours and asked to speak to a supervisor and began recording the call. When the supervisor got on the line I let her know for my own protection I was recording the call. When she ( XXXX XXXX ID XXXX XXXX learned this she immediately said the call would be terminated, per CapitalOne policy, if it was being recorded. I asked for any reason why they policy would be in existence, one which a customer is barred from creating their own record of an interaction for the purposes of self protection particularly when they are calling as a result of a financial institutions failure to protect the identity of their customer. XXXX failed to give me any reason and repeated that the call would be terminated if it was recorded. After my call with XXXX I asked to be forwarded to customer service and they promptly informed me that a customer has the right to record a call -- directly contradicting what I had been previously told be XXXX. CapitalOne 's customer service department indicated they would make a report of the incident. If CapitalOne 's policy is valid then there shouldn't be any issue with a representative being able to explain the policy or forward a customer to someone who can. If their policy is in fact not valid then I feel it is my duty to blow the whistle on this criminal practice. I have the entire exchange recorded and would be happy to forward the audio file if it is deemed to be useful. I attached one audio recording, I have another but it exceeds the 10MB limit-If you would like it please let me know another method to get it to you.
Consumer complaint received 2023-07-24
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. (MS)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-07-24
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. (CA)

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 Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX Account XXXX XXXXXXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
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. (TX)

I did not do business with these companies. Please remove everything, including these other accounts : 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 with a Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX XXXX  Date : XX/XX/2020.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (FL)

My account has been sold to a different bank Fed loans and Fed loans has sold it to XXXX Ive called multiple times ed financial with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to XXXX theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Consumer complaint received 2022-10-10
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. (TX)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code $ 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Consumer complaint received 2023-07-24
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. (WV)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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 has reasonable cause to believe that the information is in accurate.