davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (VA)

Incorrect Information on Credit Report. Experian Report Credit Agency is Reporting incorrect personal agency. Asked several times to to updated and corrected the information. The Agency is displays black outs on there website making it difficult for consumers to dispute information. They are violating consumer rights and personal information. Contact in the month of XX/XX/XXXX and XX/XX/XXXX. To updated information.
Consumer complaint received 2023-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation (TX)

To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with World Finance. I had never been late in the 4 years of having an established credit loan with world finance. World Finance agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a XXXX  mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. I feel like World Finance lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XXXX XXXX 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of World Finance she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

I am being charged with a debt that I do not owe. The collector is IQ Data Systems. I've written them several times concerning the inaccuracy of this debt that is reported to the credit bureau 's. I was laid off of my job in XX/XX/ 2013 and subsequently fell behind in my rent and was evicted from my home in XXXX 2013. I had already paid the rent in XXXX & XXXX which was XXXX I was behind fell behind in XXXX and XXXX and was evicted the first of XXXX. I put down a security deposit of XXXX dollars which should have covered my missed rent. This collection company is alleging that I owe over {$6000.00} which is inaccurate and extortion in my opinion. I don't owe anything to the rental company. My security deposit covered my back rent. I improved the home as I lived there including restoring the backyard, landscaping and repaired and stained the large all wood deck in the back of this Large colonial home. This company has manufactured this debt, it is inaccurate and unfair.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (CO)

I have a saving account in Vectra Bank ( XXXXXXXX XXXX, XXXX, CO  XXXX XXXX with about {$250.00} on XX/XX/XXXX. I went to the bank on XX/XX/XXXX. I had been charged {$15.00} per month for dormant account. but I never get a notice about it. The manager ( XXXX ) told me the mail was sent to my address, but I didn't receive it. I asked her to waiver all these charges because I was not informed. She refused.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX  XXXX ) Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/XXXX )XXXX XXXX date of inquiry XXXX XX/XX/XXXX ), XXXXXXXX XXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX  date of inquiry ( XX/XX/XXXX ), US SM Bus Admin ODA date of inquiry XXXX XX/XX/XXXX )
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IA)

Received a scam letter from Chase Cardmember Services XXXX XXXX XXXX XXXX, DE XXXX www.chase/amazon XXXX XXXX says please make a payment right away. Has our actual last 4-Digits of the credit card, but not other numbers. We know it is a scam for sure, but older people like my parents might totally look at this and think it is for real. 
Also has : Overnight Mail Chase Card Services Mail Code DE XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, DE XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute hard inquiries that appears on my credit report, which I firmly believe unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2022-03-28
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 — Investigation took more than 30 days
Company: CAVALRY INVESTMENTS, LLC (CA)

I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech has approved a mortgage modification for me, and I 'm grateful for that. However, they will not allow me to pay online, they will not accept my debit card over the phone, and they want to charge me {$12.00} to make a payment by phone. It 's the {$12.00} that I 'd like investigated. If they 'd let me pay on line ( free for all customers ) then the {$12.00} would not apply.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have several hard inquiries from Capital One thay are recent, and I already have a Capitol One Card. I have no reason to have agreed to another hard inquiry. It is messing up my credit score, and I'd like the hard inquiries removed, please. 
Thanks, XXXX XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP (IL)

I work for the XXXX XXXX XXXX XXXX and am a twice widowed mother and was not left any life insurance, can not get a loan or credit card as my credit rating is ruined after being off work on unpaid FMLA for almost six months due to severe health issues!!! I have not been released to return to work by my doctor and just paid all I had left from my tax return to Honda almost {$300.00} a little over a week ago!! Because I have filed for workers comp with my employer and had to appeal and waiting on the results but have had XXXX income in six months!! I have kept in touch with Honda weekly letting them know all that is going on. My current balance due is {$1600.00}. I have had the loan for almost five years and it will be paid off by XX/XX/2023. I have asked them numerous times if they will help me with a hardship or work with me on the payments to catch up and they will not and keep threatening me with repossession! I have no other vehicle and commute two hours round trip daily for my job so if my car is taken I will lose my job!! I also have asked for a manager to call me twice and none returned my call they said there were none and they dont have any hardship programs to help me!! XXXX who called herself a lead that I spoke with today said the same!! I want corporate to help me so I can get my car paid off and keep it!! I have paid over XXXX on my car and it is only a couple of months from being paid off!! I need more time as my doctor has not released me to return to work yet, it may be the end of next month before he does! I am not going to not pay it off!!! I am reaching out to every charity and church I can think of but none have helped yet!! It is not my fault I got sick due to my employment!!
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

I discovered a XXXX  bill for my XXXX from XX/XX/XXXX that was sold to a collections agency on XX/XX/XXXX XXXX original amount : {$1500.00} ... current amount is over {$1700.00} XXXX. Neither I nor my XXXX heard anything about this debt. We did not receive mail, a phone call, an email, or anything regarding this debt, or that it was even in danger of being sent to collections. We also did not hear anything from the collections agency itself. The only way we discovered this was by checking XXXX credit report last week XXXX XX/XX/XXXX ). Sure enough, I called the company and verified the debt, but they had no information beyond that as to why we never heard anything about it. They also would not put a hold on the account until I could solve the issue. Just seemed like an informational call, and not a solution-driven XXXX. 

The creditor was XXXX XXXX XXXX and the collections agency is Wakefield & Associates. Neither XXXX of these companies reached out to notify us of the debt, or the ability to dispute it. What is also alarming is that given the date of service XXXX XXXX XXXX, XXXX ), the only bill that could have been received was set up in a payment plan that was paid between XXXX and XXXX of XXXX. This is of course is an assumption on my part drawn from the only possibilities I can think of from that time period. I have no way of knowing or verifying if this is what the debt is coming from.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NY)

Company has consistently refused to provide monthly statements, either mailed or electronic. Users are unable to view anything other than a balance when accessing their online 'portal '. Calls to customer service reps have resulted in being told that they do not provide statements to their customers. 

I wasn't event provided with a complete account number when I was approved for the loan.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (IL)

XXXX and XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system XXXX  to keep on fake verifications 1st entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] [ JEFFCAPSYS XXXX  2nd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX  XXXX XXXX entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX/XXXX  XXXX With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). 
This accounts were paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist has changed the amount due multiple times without notifying me prior to the due date. They have also charged me for fees that they havent notified me they would charge me for and can not explain what the fees are when I call about them. Not a single department knows what the fees are. I spend hours every month trying to find out what the fees are and have them removed. Each time Im told the fees will be removed but yet the fees show up the next month. Ive never been in default nor have I missed a payment.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

I have a pill grant of {$6800.00} from XXXX. When I received the student card from the bank, I learned that another person opened an account before and took the student loan. When I spoke to the bank, it closed my account and told me the bank refused to send a credit card. After approval, he refused and asked me to give him another bank account number. Or sending money, a check for the money granted XXXX $ for each semester, after the end of each semester, I asked them where is the rest of my money and why did they not send me a prepaid card, and after a short period of time someone opened a personal account from the bank account requesting a loan and a credit card. I informed the bank and they closed the card twice, but they sent me {$430.00} only And {$6800.00} I have money left over from the grant, {$860.00} Knowing that I am permanently residing in the state of California, studying and working, and I have an American citizenship, the college says that I am not a legal resident to withdraw the scholarship money.
Consumer complaint received 2017-03-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (SC)

I saw this doctor in XX/XX/2011.My bill was paid in full. Now, six years later wtih no subsequent communication from the doctor this collection agency claims I OWE this bill. I asked for an itemized bill and clearly protested this bill saying I did not owe this money. They sent me a letter and " itemized '' bill. The bill is not on any letterhead that says where it is from. It says the amount is {$190.00} but at the bottom it says NO CURRENT PATIENT LIABILITY. 

The attached letter from the collection agency says the bill does not reflect my current charges and says the amount owed is XXXX. The letter also contains the following statement- '' the amount owed on the enclosed bill shows XXXX because your account has been charged off as a delinquent account. This does not mean that the amounts charged are not due, or that you have a XXXX balance. The amout due is reflected above in the current balance. This statement may not refect payments made either by you or any insurance comany after the service date. '' I do not owe the {$83.00} that Commonwealth Financial Systems says I owe. My credit report reflectss my 100 % ON TIME bill payment. They did not include anything from the physicians office with identifiers saying I owe this money. The bill they provided says clearly PATIENT HAS NO CURRENT LIABILITY. 

I am in the process of purchasing a home and this showed up on one of the credit reporiting agencies. 

They refuse to discuss this with me and will not listen when I tried to explain what the letter says. They say I owe this when I have nothing other than a letter from them saying I do.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Went into Fifth Third Bank at XXXX XXXX XXXX XXXX, IL XXXX. 

This afternoon I went into my local fifth third branch to do a withdrawal of {$2000.00}. Ive banked with fifth third for over 10 years plus and I withdraw money regularly, today I went in to do a regular withdrawal. I provided my Drivers License as well and my debit card to XXXX and she was initial rude, she proceeded to ask me a series of questions pertaining to my account as if there was something wrong with the account or as if i wasnt the owner of the account. I answered all questions as needed and she told me they were wrong. I opened my account 10 plus years ago, I do not remember all of the questions that i mightve set up but instead of her sending me over to a banker to potentially rest my security question or for further authentication. her attitude grew stronger and she told me that she can no longer assist me, although I was authenticated by pin AND with my drivers license. At this time I became agitated and frustrated. I asked for a manager ( XXXX XXXX XXXX ), and unfortunately the manager was the same exact way! instead of him trying to find a way to help resolve the situation, he made it even worse! He was not helpful at all, and spoke to me in a rude way! After having me in the branch for 1 hour he finally let me withdrawal the amount. For me to have a relationship with fifth third for over 10 years they should be ashamed of themselves! This was a very distasteful visit! Im very disappointed, I loved fifth third and being a client. I even wanted to apply for a mortgage loan with the bank since ive been with them for so long but this is unacceptable.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/2022 {$28000.00} I have no title to the vehicle, I have requested my registration and tags from the dealership, I have requested to stop payment of {$600.00} per month, a loaner or rental car to get to work because I have no tags, I have asked to cancel the business deal because it's fraud, take their vehicle back and give me my down payment, remove all debts off my credit to date there have been no resolution Capital One auto XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

1. Navient was servicing my loans XXXX loans. 
2. I never skipped a payment and my account was in really good standing. 
3. On XX/XX/XXXX I made a payment to my account of {$270.00} ( in excess of my XXXX required payments - also they never froze interests during the pandemic ) 4. On XX/XX/XXXX my balance was of {$45000.00}. 
5. On XX/XX/XXXX the Department of Education purchased/consolidated my loans with a payment to Navient of {$45000.00}. 
6.That is a difference of {$360.00}.

7.There could not have been late fees because I made a payment of {$270.00} on XX/XX/XXXX and the interests ( 4.5 % ) would not amount to {$360.00} ( can not be more than {$50.00} ) 8. I called Navient and they would not address my concerns. 
9. I checked with the Department of Education if there were any consolidations fees and they assured me there were not. 
10. I wrote to Navient twice and they have not addressed my issue. 
11. I'm entitled to know what happened to the difference Thank you in advance for your help. 
Kind Regards XXXX XXXX XXXX XXXX XXXX