davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-08-11
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: HYUNDAI CAPITAL AMERICA (ND)

OnXX/XX/XXXX, I contacted a mortgage loan officer to get pre-approved for a home loan. My wife and I had sold our home and were interested in purchasing one on the market. While reviewing payment numbers, we were informed for a delinquent account on our credit report. The mortgage loan officer provided me with information to call and get more information on the account. I called and was informed about the delinquent account. My wife and I were unaware the delinquency existed. I immediately call the creditor and paid the balance of {$420.00} on XXXX and asked for the account to be removed from our credit report. The customer service representative informed me that I would need to call all three credit bureaus and dispute the account. I filed disputes with XXXX, XXXX, and XXXX. The disputed showed that the account was paid in full, but still delinquent. I work in the financial services sector with collection organizations. I reached to the the collection agencies we use at my job to get counsel on how to proceed. They informed me that the creditor is the only party that can remove a delinquent account. I called the company on XX/XX/XXXX. They informed me that they could not remove the delinquency without explanation. They told me to reach out to the dealership and obtain documentation from them on the miscommunication they had provided me when turning in the car. I obtained a letter from the dealership onXX/XX/XXXX. On XX/XX/XXXX, I mailed the letter from the dealership and the a request for the delinquent account to be removed from my credit report. On XX/XX/XXXX, I received a letter from the creditor stating the information was inaccurate and the dispute information is accurate as reported. On XX/XX/XXXX, I called the creditor. I spoke with a women and she told me that due to there policies and procedures, they did do not remove accounts from credit reports. I told her that I have provided the information requested from previous calls. She informed me that this is the dealership 's fault, they provided me with incorrect information. I replied that the dealership takes ownership for the issue as stated in the provided letter. She replied that they would not remove the delinquent account. I am providing documentation to confirm all of this communication.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I was recently furloughed, so my employer filed unemployment on my behalf. When I checked my UI status online, it shows my funds went to a prepaid debit card that I haven't received yet. When should I expect to receive this card? It's been nearly two weeks.
Consumer complaint received 2024-02-26
Product: Credit reporting 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 urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I purchased a XXXX XXXX XXXX from credit acceptance. Upon me purchasing the vehicle i was told the final asking price was XXXX. I put XXXX down on this car. A couple of months went past with me making on time payments and i believed my balance would be around 8 thousand give or take, I have saved up enough money to inquire about a pay off. This company told me I must pay at the time XXXX to pay the car off. the amount financed was almost double the final asking price!! the dealership failed to show me that and being young i did not pay much attention to it. why am i paying for interest that was not accrued! I'm paying the loan off early so why must i pay for interest that's years away! The blue book value of this car is XXXX, so not only did i purchase this car more than double of its worth, I'm also liable to pay for interest that is years ahead to pay the car off. There is no prepayment penalty. 

Because I refuse to pay XXXX for a car that is worth XXXX and have XXXX miles on it i decided to buy another car. 

Now since the car has been sitting in my driveway my credit has taken a huge hit. especially due to personal reasonings and this pandemic iam not able to pay both car loans. 

I feel like credit acceptance know that iam young and took advantage of my age, There is no way i should have to pay off forecasted interest to pay the car off now when the life of the loan is still substantial. Also i really needed a car back then and did not know i was paying double the bluebook value, and double the interest.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (VA)

Dear Consumer Financial Protection Bureau, I am writing to formally complain about a situation that has arisen with XXXX creditors, involving what I believe to be a violation of my privacy rights and consent regarding the reporting of late payments on my account. My account details are as follows : XXXX XXXX, XXXX XXXX XXXX, and NetCredit reported late payments on my account to all XXXX credit bureaus. I believe this action was taken without proper notification and in violation of my privacy rights for the following reasons : Reporting late payments violates my privacy and without my consent. I have signed any documentation permitting them to report any late payments. These reports have been shown to companies that have been granted permission to review my credit report. 

I respectfully request that the CFPB investigate this matter to determine whether XXXX XXXX, XXXX XXXX XXXX and NetCredit have indeed violated privacy and consent regulations as I believe. Furthermore, I ask for guidance on how to rectify this situation to ensure that my financial information is handled appropriately and in accordance with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please contact me if you require further information or additional documentation regarding this complaint.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation of America (AR)

RMC contacted me repeatedly, I informed them this debt was part of a XXXX settlement and they should contact my attorney. I gave them his name and phone number and explained to them I am at work. I told them they needed to put all of this in writing so I could get it to my attorney. They did not call or write to him, they continued to contact me. When the settlement came in the original creditor denied ever contracting or selling my account to RMC. The debt was paid by my lawyer directly to XXXX XXXX XXXX. RMC will not take this off my credit report and has not responded to my letter.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX is due and payable as a corporate expense of XXXX XXXX. XXXX XXXX, a XXXX and XXXX CEO/Founder asked XXXX XXXX, an American and former Executive Contractor to open the US Dollar account for the company since Mr. XXXX was unable to. MsXXXX XXXX did this in good faith for the betterment of the companies. Ms. XXXX has a signed letter by Mr. XXXX confirming this amount is due and payable by him and the company ( ies ). This account is currently in dispute and pending further legal action by Ms. XXXX against Mr. and Mrs. XXXX and their numerous companies ( including but not limited to XXXX, XXXX  XXXX  and XXXX XXXX ) both in the US and XXXX.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company (IL)

On XX/XX/2020 I sent a letter ( certified ) to Merchant 's Credit Guide requesting verification of debt being reported on my credit report. In the letter, I also requested the agency to stop calling my phone and that all further communication should be only in writing. The certified letter was received ( with adult signature confirmation ) on XX/XX/2020. On XX/XX/2020 at XXXX XXXX, the collection agency called my number again and left a 3 minute voicemail. The number they called from is XXXX. This is the same number they have used in the past in their communication attempts.
Consumer complaint received 2020-06-17
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1700.00}
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

Barclays XXXX Mastercard - COVID 19 Scams The balance on the credit card is over {$5000.00} dollars as of XX/XX/XXXX and the actual balance should only be {$1000.00}. 

This is a common COVID 19 - XXXX type scam where banks just make up fake of fictitious balances that 'could be plausible ' so customers sleepwalk into paying incorrect statements.
Consumer complaint received 2020-08-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Braviant Holdings, LLC (UT)

On XX/XX/2020, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. 

Then, today, XX/XX/2020, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. 

The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

on XX/XX/2020 my father passed away, going through his files, I found {$100000.00} in four accounts with Capital One. 
XXXX I informed Capital One of his death, they sent me forms to fill out and told me of the information I need to send them. They told me 3 to 5 business days. I filled out forms and sent needed paperwork back on same day. 
XXXX On email I sent back I asked for information of his accounts IE are there beneficiary and joint names on accounts. 
No response I waited the 5 days sent email requesting information on accounts, I also called and tried to get to them on the phone, I was informed only the department on the emails can help me. But i was told it can take up to ten days. 
on tenth day I emailed again and called again, I was assured they would respond by the next day XX/XX/XXXX. XX/XX/XXXX no communication. I email and called XX/XX/XXXX and was informed this is all my fault. AS of this day XXXX I have not received 1 message from Capital One
Consumer complaint received 2020-06-17
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Incorrect addresses below are showing on my credit reports and I have asked previously for them to be removed. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

When logged into my Bank of America online mortgage account, it shows that BOA made a county tax payment of {$3700.00}. These funds were taken from my escrow account. Per the county and tax records this was an unnecessary payment and the county tax payment was made in XXXX of XX/XX/2020for the correct amount of {$1400.00}. I have called bank of america three times on three different dates. I've been placed on hold for more than 9 hrs and when a representative finally answers the call they have no answer to my question and place me on hold. I need Bank of America to explain why was {$3700.00} taken from my escrow fund and a detail explanation of all money going into and out the escrow account for the past year. Bank of America is not a small bank and for them to not be able to provide me with an answer or put me on hold for hours is ridiculous.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (VA)

I have been XXXX  since XXXX due to Covid-19. I was issued a Way2go MasterCard through Virginia XXXX. My card was never received and I was told that a new card would be sent out in XXXX. I was told that it would take a few weeks but it was also not received so I have been trying to get answers and through to someone for several weeks now. At approximately XXXX today ( XX/XX/2020 ) I finally got through today and was told that the card was never sent. I explained that I was upset because I am XXXX  and have been several months now with XXXX income because they didn't send the card and asked if they could please send it out as quickly as possible. The woman that I spoke with was very rude and said that if I was that worried about it I should have called before now and that I would have to pay {$20.00} to have the card expedited. I explained that I had called several times and had been unsuccessful in reaching anyone and I had been contacting XXXX almost daily trying to get answers and kindly asked if the fee could be waived due to it not being my fault. She said no and I asked if I could speak with a manger to see if it could be expedited. After several minutes of waiting I finally spoke with a, I guess we will call her a manager, that was rude and said that she would absolutely not waive the fee and when I asked her to explain why she thought waving the fee was not appropriate in this situation she told me to have a good day and hung up. There really needs to be someone to review this call and issue better customer service training in this department.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.
Consumer complaint received 2020-06-17
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. (LA)

I am a ex XXXX XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

My auto loan was deferred for 4 months starting in XXXX and end in XXXX. 
My payments should have automatically pick up again on XXXX XXXX. But for some reason on Ally end the payments are not going through .I called pertaining to late payments notice I receive and went on to Ally website to make payment myself and Ikeep getting a message that read ( The payment account you selected is temporarily unavailable. Select another payment account or try again later ). I attempted this several times yesterday XXXX XXXX, plus chat with XXXX and XXXX and XXXX was no help she suggested that I pay through XXXX XXXX and incur a {$4.00} service fee. I told her Ally need to fix the issue and I'M not going to use XXXX XXXX .Then XXXX transfer me to speak to XXXX who place me on hold for XXXX minutes and told me the was fix and that I could make payment. I tried again and was unsuccessful. I called Ally XXXX XXXX XXXX XXXX And spoke to a represented and she told me she would make notes in my chart about the late fee and that she see that Ally correct the issue, and to go on later in the day and put payment through and then give them a call back tomorrow to set back up direct payment. I attempted to make payment again did not go through yesterday, I reattempted the payment this morning did not go through. I spoke to XXXX today and went to XXXX XXXX incur a {$4.00} charge and was told I would be reimburse the {$4.00}. I made the payment through XXXX XXXX and now I will look for my {$4.00} REIMBURSEMENT.I left the conversation with this is the one and only time I'M making this payment through XXXX XXXX and for Ally to fix this issue so they can receive my payment to automatic payment on XXXX XXXX
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (FL)

The inquires below are unknown inquires. 

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
Consumer complaint received 2022-10-30
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. (NC)

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 2020-06-17
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. (LA)

I am a ex XXXX  XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.