davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (UT)

I have been under CarHop Finance for my car XXXX  XXXX  XXXX  and the car computer has broken and left me and my wife stranded for three days in the city at a gas station with no money no ways to fix it the computer broke on the car and then they would not fix the car I was left no other option but jump on a bus and take my family home I have not seen my car or anything or heard anything about it they're charging me for this car but I do not have this car they are unwilling to fix the problem of the they car sold they sold me the car I would like to be forgive him for this loan and I want to sue for the problems and issues of CarHop CarHop not help me fix my life but made it worse my family is struggling everyday to keep finances straight with the world and covid-19 taking in the fact I have not been able to recover.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am contacting you regarding errors and inaccuracies which Equifax is not correcting that my credit report. I am disputing the following items appearing on my credit report along with specific reasons for this dispute and thereby I am asking these to be removed as set by law. 

The accounts in question are the following XXXX  XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX -The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX   Equifax Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX XXXX  Equifax Date opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the information is not accurate and by law has to be deleted.
Consumer complaint received 2020-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

BB & T can not provide the charge-off reason or history of payments on a loan they say I still owe from XXXX. The original loan was made at Bank XXXX in XXXX which I thought was paid off. I was made aware of the loans existence when my insurance claim check had this banks name on the check as a Second Mortgage in XXXX. It took me several years to get the claim with the Insurance company resolved after water damage in the house in XXXX. We did not have the money to make repairs and then try to get reimbursed. I am a school teacher without the time to make more calls and be on hold for hours anymore. We have 4 boys under 16 now. 

Many trips and several hours to BB & T branches that were not able to help or to sign the check. They offered to take the check and keep any that would be required to pay off any possible loan before signing the check. I did not leave the check, what if they took it all and I could not repair my house. They could not find any accounts in our name at all. I have not received any letters or phone calls from BB & T until after we called them in XXXX. 

I finally called the President of BB & T in XX/XX/XXXX and asked them how I can get the check signed so that I can fix my house. The Presidents Secretary also could not find any account in our name. 
On XX/XX/XXXX I received an email from XXXX & XXXX still refusing to sign the insurance check enabling me to fix my house. It further states that the account was charged-off on XXXX XXXX and that they are unable to provide me with information as to how the account was charged-off or to provide any history on the payments on the account due to BB & T 's seven ( 7 ) year retention policy. 
Their refusal to sign the insurance check are causing additional mold through out my house. The first mortgage company said that they would take care of the BB & T issue and they had us sign the check before they signed it and returned it. BB & T could not locate any loan outstanding so they were not able to help in XXXX. 
XXXX BB & T wants me to send them a fully endorsed check before they will sign it. 
Now they also want us to sign an ACH Draft Form on a XXXX Charge-off for any unknown amount on an undocumented Charge-off they now say is {$45000.00}. The 2 checks to fix my house are for about {$75000.00} dated XX/XX/XXXX. I could not repair my house if they take over XXXX of the money. Please help me as they hold us XXXX.
Consumer complaint received 2023-01-07
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. (LA)

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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (MO)

" consumer collection mana '' has placed and account for collections/chargeoff on my credit reports in the amount of {$200.00} for an original lender of " XXXX XXXX XXXX XXXX  '' and the following information is listed as " NOT REPORTED '' amount past due, account type, credit limit, or any payment information. I have never heard of them before and have never received any written communication allowing me the opportunity to request a VOD. Is this mine, did I apply for credit somewhere?, if so was it properly billed? Send any and all supporting documents please, why was I never contacted in writing about this before it was a negative mark on my credit?
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I am not able to obtain a free credit report from Equifax and the mortgage program Im using also has not be able to obtain a report either. Ive sent a certified letter to Equifax with a copy of my license, SSN card and a copy of a utility Bill and Im still unable to get a copy of the free report. I am however able to get a copy when I pay for their reporting services. Ive also call and spoken with Equifax, customer service and they can give no explanation as to why Im unable to obtain my report but they did offer me to use their reporting service. This is hindering my ability to purchase a house or anything I have no idea if the reporting is even accurate and I am not able to get a report without paying for the report. It not also not available on any of the few reporting services and states it has not been updated since XXXX of 2019.
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (LA)

Santander Consumer USA purchased my auto loan from Gateway One Lending in XXXX, 2020. They claim to have sent my new account information on XX/XX/2020 but possibly due to Covid issues I didnt receive the mail until XX/XX/2020. In XXXX I began trying to catch up on the payment that fell behind during the lag time between the sell of my loan to when I received new account information. Santander could not provide me with payment or account info during this lag time but my payment was still noted as past due. 
Their website had inaccurate information & when I asked a customer service representative about the {$1000.00} difference he replied, the website just does that sometimes. 
I had two payments left on a 5 year loan when Santander purchased it from Gateway One. I  made a verbal agreement on the phone to pay off the full balance on XX/XX/XXXX. When I called to make that payment for {$1500.00}. I was informed that the loan had been charged off on XX/XX/2020. I have screenshots of their website showing that the payoff was good until XX/XX/2020. The balance on the website was also inaccurate on that day as it said over {$2000.00}. Again, the customer service rep couldnt explain the discrepancy. He advised me to pay the {$700.00} settlement and I did so against my wishes. I had 5 years of 98 % on time payments & now my credit is destroyed & I have been denied a lease on a home. Because of the final two payments after they bought my loan. 
I requested to have the title held for one week as I was moving out of state, this was not done & now the title is lost. They have promised me a release of lien via email but that was a week ago & it hasnt happened. 
This is a disorganized, fraudulent & predatory company. I hope to see some justice for myself & the dozens of Gateway One customers this just happened to. I read many reviews exactly like my story on XXXX Thank you.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been with Capital One for over 4 years and never received to a credit line increase. I was always told that I would have to request on to go online and sign in into my account to request an increase. I requested a increase in XX/XX/XXXX and was denied showed a credit score back in XX/XX/XXXX. I called and basically was told to retry in 60 days. I then requested another increase in XX/XX/XXXX and was denied. Stated due to account passed do 60 days. When called was told because one of my accounts in XXXX was passed due 60 days. To try in XXXX and to keep paying on time as you are doing. While on my account paying my Capital One bill I applied for a card and was denied then I requested an credit line increase and was denied. The credit card said I would receive something in 7-10 days. I received an email regarding the credit line increase to check my account under documents. When I checked the reason it stated I was denied for credit line increase was due to ( TO MANY CREDIT INQUIRIES ). I have 6 inquiries on my credit report 4 from Capital One, 2 regarding my daughter 's school loans. When I called again today on XX/XX/XXXX spoke with a supervisor and was told nothing I can do it is what it is. That he has credit card and its hard for him to get an increase. That's as a customer I don't want to hear and is not pertaining to the call is about. I have tried to call and I sent in a letter regarding my issue and from the phone call basically never had my question answered from the letter basically told me to go online and gave the procedures. As a customer trying to do business with Capital One is not pleasant experience. And the customer service tells you anything to get you off the phone and will transfer to any department to pass you along to someone else.
Consumer complaint received 2023-01-10
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: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2022, my XXXX XXXX engine went out while my wife and children were traveling from XXXX headed to XXXX. The local tow truck to a garage where the mechanic diagnosed the vehicle and said itd cost way too much to fix given the value of the car and how much was still owed on it. An economical decision was made to relinquish the vehicle to XXXX XXXX. They sent mail stating theyd keep the vehicle if I couldnt pay it off ( as if that made sense as I told them why I relinquished it to them ), keep the promissory note, and furnish the repo onto my report. They did not disclose I had to consent and state I wanted the repossession reported. XXXX XXXX also reported multiple late payments which violates XXXX5 USC 1681a ( 2 ) ( a ). My transactions are not supposed to be reported at all, good or bad. I believe XXXX XXXX wanted to willfully injure me. They never responded to my response and have continued to call harassing me. The initial letter had a threatening tone to it. The reps that called and those who answered when I reached out with concerns were also snippy. If that has any relevance. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a payment late due to confusion with the due date as well as personal circumstances. When I made the payment, I asked for the fees ( late fee, interest charge ) to be removed as a courtesy and this request was approved. However, when I checked my statement, I only saw the late fee refunded and {$1.00} of the full interest charge refunded. When I called again, the representative said there was nothing else that could be done for me, even though this prior understanding was reached.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear. Thank you.
Consumer complaint received 2020-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

The amount for XXXX at {$300.00} was reported paid off at 21 %. The company ERC XXXXEnhanced Recovery Company is trying to collect this account at {$300.00}. I have paid this account already and know it is showing up as full balance on my credit report again.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GMH Associates Inc. (TN)

I submitted my loan application with XXXX Mortgage. The loan officer, XXXX XXXX, quit her employment with them and started working at GMH Mortgage. She took my financial information without my knowledge and pulled my credit with GMH. When I was notified my credit had been pulled I called GMH and talked to the XXXX. He assured me the inquiry would be immediately taken off my credit so I told him I would not pursue further action. I just had my credit pulled from another company and the inquiry is still on my credit report. The information below is copied/paste from my credit report. She pulled my credit without any authorization or verbal approval from me to do so. Her XXXX. 

Account name XXXX Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Address identification number XXXX Comments Real Estate on behalf of GMH MORTGAGE SERVICES LL. This inquiry is scheduled to continue on record until XXXX XXXX.
Consumer complaint received 2022-11-09
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. (VA)

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX ) along with ( XXXX XXXX, XXXX ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.
Consumer complaint received 2020-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

For the month of XX/XX/2020, only, I had no revenue from renting the spare room which covers my mortgage. I reached out to a charity organization and they paid {$550.00} of my {$700.00} XXXX mortgage payment the payment was received by PHH mortgage actually three days early and the rest of the payment of {$150.00} was received on XX/XX/XXXX, paid by myself. Instead of treating this as a normal on time payment that was sent in by two sources instead of one, they decided to take the {$550.00} and use it to pay a late fee of $ XXXX thats been on the account for 12 years. ( I will pay this $ XXXX fee on the back end since its not accruing interest or late fees. ). PHH has been aware of this for some time. Now is not the time for PHH to try to do a money  grab. They also charged me another {$77.00} in new late fees for a the payment wasnt even late, yet. I asked them to make the necessary corrections but I see they have not done it.
Consumer complaint received 2022-11-09
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: I.C. System, Inc. (VA)

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX along with ( I.C SYSTEM, INC ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-04
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: WELLS FARGO & COMPANY (NV)

Dispute Number : XXXX Date Posted : XX/XX/2020 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined We have closed your dispute Dispute Number : XXXX Date Posted : XX/XX/2020 Merchant Name : XXXX XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined Sincerely, XXXX XXXX Wells Fargo Claims Assistance Center XXXX Well Fargo XXXX XXXX credit card ) Yes I got this letter from XXXX saying that I never upload any paper work or document to help supporting documents? but there was never anything mention as to how I can, so i find that to bugging..Also, I have been working 2 jobs just to help out my family since most of them are laid off and i don't want to provide too much information about my personal family, just realized when you guys call me monday through saturday i'm mostly working and i won't have a phone with me due to 2 jobs unless you guys want to pay me ... .i 'm only off on sunday ... i'm already stress out and i'm sure you guys know the world is in danger. I never accepted or gotten anything from XXXX so i'm not sure what is going on ... i'm gon na upload the document here and file my complaint since things seem unfair, i can't even get in contact with XXXX and i don't know what they claim with me accepting any items from them that i never gotten!