davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Aqua Finance, Inc. (GA)

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXXXXXX XXXX. When the loan documents were received, it was for Aqua FinanceXXXX XXXX XXXX XXXX Regular on time payments were made to Aqua Finance who reported to all 3 credit bureaus ( XXXX, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to Aqua Finance, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from Aqua Finance or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from Aqua Finance still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXXAqua Finance is no longer reporting to any bureaus at all.
Consumer complaint received 2021-05-30
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. (VA)

In XX/XX/XXXX I filed a dispute with Equifax regarding a collection account that suddenly appeared on my credit report. I notified Equifax that XXXX XXXX XXXX XXXX XXXXXXXX XXXX randomly put this account on my credit report without notifying me of the account. I never once received a bill from XXXX or any other communication. I explained to Equifax that I called XXXX and they stated they had a previous address on record. I informed Equifax that XXXX, the holder of the debt, has my most recent address, which has been my address since XX/XX/XXXX. Equifax 's response to my dispute was only that the account was mine. 

The problem is, Equifax does not advocate for the consumer. There is no way a collection firm should be able to put negative information on someone's credit file without showing due diligence to recover the debt. There was no effort on the part of XXXX. XXXX previously placed the debt with the XXXX XXXX XXXX XXXX XXXX XXXX registered as XXXX XXXX. I arranged bill payments directly to XXXX XXXX. After several payments I was informed that XXXX XXXX no longer had the account. I had to have my credit union stop payment on 8 checks that had already been sent to XXXX XXXX and cancel the direct payment. 

When Equifax refused to remove the collection account I set up bill payments to XXXX, I have since received a letter from XXXX along with a check stating they do not have my account. At a minimum Equifax should have removed the item and informed XXXX that they had to make an attempt to resolve the matter without putting the derogatory information on my credit report. All of this time the item has been on my credit and I can not seem to get anyone to take my payments. 

I continue to file complaints about the credit bureaus. The credit bureaus are for profit and that is in direct conflict with the decisions they make when making decisions about a consumer 's credit. They are essentially working for big institutions. They pedal credit cards for banking institutions and other products. The credit rating system is corrupt and it can adversely impact people 's lives greatly. It affects where they live, work and what they can purchase. Credit impacts whether or not a person can get life insurance. That much power should not be allowed without strict regulation. They should not be able to work for those entities holding debt. It is just being bullied and ganged up on. There is nothing fair or just about the credit bureaus. Why is there such a high burden on the consumer to disprove the information on the credit report and no burden placed on the company? The credit bureau merely asks the question and whatever they are told that is the end of the investigation.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I wrote a {$30000.00} check from my Wells Fargo checking account to XXXX XXXX.This check was intended to be deposited in my XXXX IRA for the tax year XXXX. I monitored by accounts and noticed that the check was cashed on XX/XX/XXXX. But after XXXX working days, the check did not appear in my XXXX account. I called XXXX on the morning of XX/XX/XXXX and was told that XXXX did not receive my check and that " the endorsement for this check was not completed by XXXX ''. I then called Wells Fargo and worked my way through several departments, finally being connected with the Check Fraud Claims Center. I was told they would begin investigating. On XX/XX/XXXX I received a letter from the Wells Fargo Check Fraud Claims center stating " we are working to obtain a refund for you from the bank that accepted the deposit. '' They also stated " It typically takes 90-120 days to resolve. '' I called the Wells Fargo Claims Center on XX/XX/XXXX to get an update. I was told that they are continuing to investigate and that the " bank that cashed the check has not responded yet ''. And that all information gathered during the investigation was " confidential ''. I am of course very dissatisfied with the communications, the disinterest and cold hearted response I have received from Wells Fargo. At this point I am not sure if I will every see this {$30000.00} returned to me. And I may have missed my opportunity to save for my future. What recourse to I have? Thank you.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd (FL)

They have continued to violate my rights under the FDCPA. They call my girlfriends number asking for me at odd hours of the night. Continuous harassment. Rep called me names and put me down because I refuse to pay. Contacted both credit agencys XXXX  and XXXX  to remove these off my report and they refuse to do so.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (OH)

I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency National Recovery in the amount of {$82.00}. This debt has not been validated and the credit agencies, XXXX   and XXXX are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent Capital one checks to pay my account and they held the checks for an extremely long time and then marked my account late. Then to be sneaky they didn't cash the checks I sent but turned around processed the payments via ACH and didn't return my checks to me. I didn't want any payments going through my account via ACH. I never gave them permission to do this and they did it anyway. Now my credit is suffering for late payments that were not late.

I need to know where my checks are?

I also need to know why were my checks ran as ACH without my permission. 
I also need you to remove all the negative remarks that are not accurate.
Consumer complaint received 2021-05-29
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: EQUIFAX, INC. (GA)

Equifax, XXXX, XXXX  have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

On XX/XX/XXXX, I paid a debt to IQ Data that I owed. But while talking to the representitive, I was told that they had another open account for a debt from an apartment complex in XXXX. Except for 4 years living in XXXX  and XXXX, I have lived in XXXX. When they researched it on there end, I was told that it was a mistake because I share the same last four of my social, and that it will be fixed. Today, I have recieved a call from IQ Data for the same debt that was wrongly placed in my name. When trying to explain the issue, I was notifed my name is on it, so it should be mine. Then when asked to talk to a supervisor, I was placed on hold for a couple seconds, then told they were not there. I called back, and got the same response, and was told only they would not contact me anymore. But said to call to see if I fixed this debt. I have not gotten any proof of this debt in the mail, or had any idea about this debt until XXXX of XXXX XXXX. Yet there website has said it's been in collections since XXXX. If it was mine it would have been on my credit report.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Consumer complaint received 2017-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have ha d a Health Savings  Account with Bank of America for serveral years. I had saved $  XXXX  in that account and had most of it invested in mutual funds that I had chosen. In  XXXX  Bank of America upgraded its website for health savings accounts and migrated to a new site. As part of that process they sold all of my investments without my knowledge or authoization. Some of the mutual fund sales were in  XXXX  and some in  XXXX . They placed the proceeds in a cash savings account, but they have not sent me a statement or notice of the transacations on my account.     I had an online chat session with a representative at BoA ( see attached for transcript ). I was told that they had notified me and referred me to this web page :   XXXX   XXXX   XXXX   This page obscurely mentions that if I have investments I should be sure to check a box for auto invest. It does not explain that my investments would be sold. I did n't check the box because I do n't want " auto-invest '' I just want my investments to stay invested the way I had set them up.I do n't think I was given adequate notice of their intentions with my investments.
Consumer complaint received 2017-04-08
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

on XX/XX/2016 my Social Security Number was used to apply for payday and quick cash loans online. Multiple attempts were made, some were successful and others were not. I have submitted all of the required information to the quick cash lenders and all but XXXX have accepted them and are working with me to clean up this identity theft. Cash Central of Ohio is denying my fraud application even though I have sent them all of the required documentation. their only response is I need to work with my local police. I have obtained a police report and there is nothing else the police department can do because this was an online fraud.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

Barclays Delaware creditor have some fraudulent was of dealing with consumers when it comes to debt collection they always use third parties who then sure consumers but when I settled with their third party The Fraudulent Barclays Bank will not honor the agreement of their representative the third party. In my case The Fraudulent Barclays Bank referred me to their third party after I finish settling with their representative Barclays is still reducing to honor my request.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IL)

Regarding the recent data breach with Equifax, I attempted to enrolled and was notified that I have to return. Putting the responsibility and cost/time on the consumer is improper. When my data as a US government employee was breached, the Federal Government notified me in writing and provided free credit monitoring by ENROLLING ON MY BEHALF. 

Equifax is failing to mitigate damages ( a responsibility generally required in business law ) of their data breach. I have no contract with Equifax, as such they have the SOLE responsibility for taking action to protect me from financial harm, costs and undue stress as a result of their data breach. Their current consumer process seems to be aimed at the lowest cost solution ... providing help for only the consumers that self-identify AND are willing to hassle with the bureaucracy. This morning, I have pre-enrolled and have been waiting on the phone for 20+ minutes for an agent to pick up the phone. 

Equifax should auto-enroll me and ALL impacted consumers and buy them credit monitoring AND pay for resolution of any fraud case tied to the breach.
Consumer complaint received 2022-05-24
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. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

This company has misappropriated my funds and refuses to make the necessary corrections. This company has made a ***false*** negative report to the credit bureaus. This mishandling of my payments is nothing short of pure incompetence as I have made the payments on the phone and with very detailed instructions on each call that I need the payments applied to my account properly. On each call I was assured this would be done, yet here we are well over a month after I tried to keep this VERY THING from happening as I'm fully aware of the incompetence this company seems to be allowed to operate with. 

XX/XX/2021 - XXXX ' mortgage payment made on time and in full ( misappropriated XXXX, no idea where the payment was applied to XX/XX/2021 - escrow shortage payment made on time and in full to a live representative ( misappropriated ), no idea where the payment was applied to. The escrow shortage is due to a property tax increase. 

XX/XX/2021 - XXXX ' mortgage payment made early and in full to a live representative ( misappropriated ), no idea where the payment was applied to. 

XX/XX/2021 - received a check from these people stating there was an overpayment for the escrow shortage. 

XX/XX/2021 - received a late notice letter stating I am late on payments and I owe XXXX to include a XXXX late fee. 

XX/XX/2021 - called in and spoke to XXXX id teller # XXXX at XXXX CST. I went over EVERY DETAIL of how I have called in to make payments over the phone in order to advise on where I need my payments to go so I could keep this very thing from happening. XXXX verified everything I have described in this complaint to be true and accurate and stated he would call me XX/XX/2021 when the corrections were made. No contact from this person ( SHOCKER ) so I am requesting a full investigation of this severely incompetent company ASAP. 

To be clear : I have no late payments at this time and I have NEVER made a payment late on this mortgage account and this was verified on the call with XXXX XXXX XX/XX/2021 ) at XXXX CST. Also verified on this live call that the payments are received and on time and in full yet no one knows where the money has been applied or why this is happening.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I have tried and tried to get XXXX  to show a Credit Score on their site which shows me my credit card accounts etc. 
I just received an email saying : Hello XXXX, Important information about your FICO Credit Score We wanted to let you know that we couldnt automatically update your FICO Score from XXXX this month based on the data we pulled on XX/XX/2021. If youre planning on applying for credit soon, we have seen members in similar situations generate a FICO Score by ruling out the below items. Do any of them apply to you? 

( I have a credit score on my chase account and also on my XXXX card under XXXX so I don't see how the " Items. Do any of them apply to you? '' would make a bit of difference since I have scores on those sites. ) Now I happen to know they are lying to me due to the following. 
I have a chase bank account and with that account they also give me access to my credit called XXXX XXXX. 
On that XXXX XXXX I have a FICO Score of XXXX and do you know where that FICO score comes from? 
It says it right there on the page : Powered by XXXX! Yes it does! 
So why if XXXX  can allow access to my score on my chase account they won't show it on their site? 
Because they keep offering me, for a monthly fee to give me access to my FICO score. 
They are lying to me and preventing me from obtaining the credit I am trying to get to improve my credit score. ( The one I have on my chase account ) It basically amounts to extortion. Pay us money or we won't list your fico score. 
Creditors go to their site to check my score and not my chase account. 
I am very very upset with them and have called and called and emailed and they just keep lying to me! 
Please Please Please help me to get them to stop lying to me and put my Score on their site. 
Thanks.!
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Purchased used XXXX XXXX XXXX XX/XX/XXXX paying a note on car XXXX interest 21 %. Never missed or was late on payment from XX/XX/XXXX to XX/XX/XXXX. During that time. From XXXX to XXXX. 1st thing that happen was my center manifold that went the next night after purchase, wanted to return car they wouldn't accept they the paperwork was already pushing through. They fixed the car I did have warranty but red flag. On XX/XX/XXXX I had to get a new transmission miles ( XXXX ) also rear differential along with axle shaft, I have all paperwork ... still covered under warranty they fixed it. On XX/XX/XXXX I had to replace my entire bottom car price on parts total was XXXX that's with my job discount. Labor cost me XXXX I have paperwork miles on car ( XXXX ). On XX/XX/XXXX Transmission went again took it back to the same spot who recently did the transmission, miles on car ( XXXX ) they fixed it. On XX/XX/XXXX took my car to the dealership my cars keeps cutting on in off. On XX/XX/XXXX XXXX XXXX called me back in said the computer brain is dead in my car, would cost around 3,500 to fix it ... that's when I called they Dealership where I got the car, they said there's nothing we can do for you and hung up the phone. So I called Credit Acceptance and told them what was happening, I said I got sold a lemon got car with XXXX on XX/XX/XXXX finished with XXXX miles on XX/XX/XXXX I barely put no miles on that car in that time frame for my car to have that much work done to it. Plus it's a dead car I need ya 'll took pick the car up. They said no you're responsible for the car no matter what. I told them the car would be sitting at XXXX to come pick it up. XXXX had been calling because nobody never came in got the car. So I went to XXXX on XX/XX/XXXX to get my things out and called Credit Acceptance to ask why nobody has come to pick up the car. They hung up. I paid my last payment on XX/XX/XXXX even after my car wasn't working I payed that last month off which I told them I would. It was on my credit. From XX/XX/XXXX to XX/XX/XXXX..late was XX/XX/XXXX XXXX. On XX/XX/XXXX I went to look for car..Credit Acceptance reopened the account and said I was late. There's nothing on my credit report from them from XXXX XXXX till XX/XX/XXXX. For some reason when I called they said there system hasn't been updated in 2 years this was sometime in XXXX of XXXX. I said this makes no sense I have the title to my car it was lemon the case was closed, they said they never closed it. So my credit went from a XXXX to XXXX because they reopened a closed account. I called XXXX  ... they said the account was sent to an undisclosed creditor from Credit Acceptance in XX/XX/XXXX then again to an undisclosed creditor on XX/XX/XXXX. So they are messing with my credit can you please help me I have the title to my car which I last heard is still there.