davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hello, Too long didn't read version : Citizens bank turned off my auto pay on a car loan without telling me- charged interest while my payment didn't process and would've charged a late fee if I hadn't noticed the payment didn't process. 

I had a five year loan with citizens bank for a car purchased in XXXX the loan was expected to be completely paid off on XX/XX/2020. When initially setting up payments for the loan I was given the option to turn on auto pay. I had turned on auto pay and everything was working fine for 4 years and 11 months ( one payment left to go ). Usually my payment goes through around the XXXX of the month- for whatever reason the payment didn't hit. Hmm weird, I'll give it a few days. I waited three days and then tried to log into my account with my loan details I saw that I didn't have an account ... weird again as I had turned on auto pay 5ish years ago using an online system. I gave them a call and they confirmed that there was no online account for me. However, they were also perplexed about how I was able to pay for the past 4 years and 11 months. After a few hours on the phone I finally got someone to admit that they had deleted my account ( not my loan ). There was no rhyme or reason to the deletion and I was not notified of it being deleted- they had my email address/ physical address on file and did not contact me. 
Furthermore when asking about my final payment I had been charged interest because the auto pay didn't hit. ( I was charged interest for those 6 or so days between the XXXX and the XXXX - when I finally was able to hear that I needed to set up a new account and pay ). Luckily I was also able to catch this in time - I noticed my payment didn't process, if I wasn't able to catch this I was informed that I would've been charged a late fee / my credit would have been dinged. I was given no apology - it was one of the slimiest conversations I've ever had with a bank.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

Paid off my vehicle in XXXX. Credit Report is showing incorrect information. Says its past due and I still owe from 3 months ago. I have paperwork from ally saying congratulations for paying off your loan. 

I would like this whole trade line deleted from all credit reports, for damaging my credit as well as my wifes.
Consumer complaint received 2021-09-17
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)

I have submitted a dispute but have not been notified that the accounts being disputed are under investigation and/or deleted. They have only added comments and have not removed the inaccurate accounts. The accounts have recently hurt my potential to obtain a home in which I have been denied and other things based off these inaccurate reporting 's. I have requested these to be removed immediately but they have not been removed. They have also obtained and used non public information without permission in these reports which violates the FCRA. 

The information on my credit report that is being reported violates several FCRA laws : 602 15 U.S.C 1681 611, 15 U.S.C 1681,15. U.S.C 6801, 623 15 U.S.C 1681. All which I have included my dispute letter.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

XXXX XXXX XXXX is the worst company I have ever seen. Their employees are constantly either lying or making things up and nothing ever gets done. They have negatively affected my account and my credit. Their incompetence and negligence continues to affect me. 

My loan was placed in forbearance while I was unemployed. I called in XXXX to end the forbearance and was told I had to call back in early XXXX when the forbearance ended. I called multiple times a week to end the forbearance. Each time I called I was told the forbearance would be removed. After every call I was assured it would be removed from my account and the note would be removed from my credit. In each case there was no follow through. The Forbearance was not removed from my account and the note was not removed from my credit. I was told in mid XXXX that i had to pay the amount due from when my account was in forbearance in order to end the forbearance. I did not want to since it was all the money I had, but i was forced to and did just that. However, the forbearance was still not removed. I Finally called in XXXX and they had the nerve to tell me I had not called and that I was re-enrolled in another forbearance. I have been calling for almost two months and yet the note is still on my credit. After calling multiple people at XXXX I finally got to the escalation department who did to try to get my account updated. This is outrageous and unacceptable. I want my records updated and yet can not seem to get it done.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting incorrect information on my credit report. 
The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //
Consumer complaint received 2021-09-17
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. (GA)

IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!
Consumer complaint received 2021-09-17
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. (CA)

XXXX XXXX XXXX Transunion File Number # XXXX i had disputed is account with Transunion /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask transunion politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

My fiance, initiated a XXXX transfer in his XXXX XXXX  app on Sunday, XX/XX/XXXX. I received a confirmation text message stating I had a XXXX transfer of {$1000.00} available. However, I never received the money. I called my bank, PNC, multiple times to determine where the transfer of fund was as I had never received the money. I did not document these calls. All representatives confirmed my XXXX account with PNC was set up correctly and to give it 10 days. 

After two weeks, I still had not received the funds. My fiance filed a transaction dispute with XXXX XXXX  received a provisional credit while they researched. 

On XX/XX/XXXX, the credit was removed from his account as XXXX XXXX  had determined the funds had been released to PNC. 

I then went to a branch of PNC ( XXXX XXXX, XXXX, GA XXXX ), twice on XX/XX/XXXX to rectify the issue. I called customer service, and they were no help and said the funds were not pending on my account. I also filed a dispute with the XXXX  for PNC and XXXX. 

My fiance went to a branch of XXXX XXXX  where they provided the transaction ID number, trace number, etc. 

We both went to the PNC branch on XX/XX/XXXX, ( XXXX XXXX, XXXX, GA XXXX ). We finally were able to get a hold of an upper level of triage who promised to research the issue more. 

On XX/XX/XXXX, I was contacted by PNC again regarding the XXXX  complaint I filed. I provided all information, and they promised to research. 

On XX/XX/XXXX, I was contacted by PNC stating that my fiance had used the incorrect phone number, and the funds were deposited into someone else 's account, and there was nothing else they could do unless we knew where the funds were deposited. My fiance did not use the incorrect phone number. I have documents and screenshots from his bank showing what phone number was used, and it was correct. I also received a confirmation text immediately after he sent the XXXX transfer, so that excuse does not make sense. At this point, I am unsure if some kind of fraud at the banking level or someone used my phone number fraudulently. I am able to provide phone records that I have had the same phone number since XX/XX/XXXX.
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Capital One Bank Usa will be civilly liable under Title 15 U.S. Code 1692k if Capital One Bank Usa failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Audit trail credit application Respectfully XXXX XXXX, Consumer/ Natural Person
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

My TD bank account was compromised and I have been charged at least {$3500.00} in fees for the year for returned items and unreal charges. I have tried to get help and have reported my account compromised numerous times. They have never done anything.I am going to take legal action if something is not immediately done. This is illegal and disgusting of a bank to victimize me more after stealing thousands of dollars from me.
Consumer complaint received 2021-01-05
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: R & B Corporation of Virginia (VA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00} 2. ) CREDIT CONTROL CORP ( Original Creditor XXXX XXXX ) XXXX Date Opened XX/XX/2015 Balance {$0.00}
Consumer complaint received 2021-01-05
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: Lendmark Financial Services (VA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting XXXX, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


1. ) XXXX XXXX XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00} 2. ) XXXX XXXX XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}
Consumer complaint received 2021-09-17
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: CREDIT ACCEPTANCE CORPORATION (IL)

On Wednesday, XX/XX/2021, I met with Mr. XXXX at XXXX XXXX XXXX in XXXX, IL to test drive a vehicle. When I arrived Mr. XXXX said that I needed to fill out a form on his computer and supply them with a copy of my driver 's license in order to test drive the car. I asked him specifically, not to pull my credit report until I had test-driven the vehicle because I had pre-planned to drive the vehicle to an XXXX XXXX  Store to get a free diagnostic on the car since I did not have a mechanic with me. He said he would not run my credit report until I decided I wanted the car, but unfortunately he did a hard inquiry on my credit report anyway without my consent.

The documents attached are ( 1 ) a snapshot of the hard inquiry on my credit report and ( 2 ) the diagnostic report from the XXXX XXXX XXXX with the vehicle 's VIN # as proof that I test drove the car from their facility.
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (NY)

I, XXXX XXXX XXXX, am a victim of identity theft. I did not consent to, authorize, or benefit from the following accounts/inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a copy of my FTC Identity Theft report. I also have multiple addresses, names and employers on my consumer report that may be due to association with said fraudulent accounts. Please remove that false information as well.

Also attached below are copies of my drivers license, social security card and recent utility bill with my current address. I have also mailed each of the major 3 Consumer Reporting Agencies via certified mail on this matter. 
I fully authorize the CRAs and I am not an unauthorized third party.
Consumer complaint received 2022-09-17
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. (CA)

I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with TransUnion. 

Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. 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. This debt is from XXXX  and has passed the XXXX limit from the date of first delinquency ( DOFD ) under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ], thus this account should be removed. 

I have provided TransUnion a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however TransUnion has refused to remove the item. 

I have attached the same documents furnished to TransUnion.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hard inquiries reporting on my report. These items arent mine and I dont have any Knowledge of the companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OH)

I have a collection account from PROCOLLECT , INC on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have had an FHA mortgage with XXXX since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and XXXX. I am XXXX and am required to XXXX  but have just become XXXX  for XXXX so this makes this all even more difficult to handle. 
I just found out that my TransUnion credit score dropped AGAIN, this time by 16 points because XXXX XXXX XXXX XXXX keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES AcXXXX. I have tried to resolve this with XXXX in the past and today while attempting to log into my mortgage online through XXXX XXXX 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Subject : Formal Notice of Violations and Request for Remediation Dear Midland Credit, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Midland Credit has handled my credit information. It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX. 

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section XXXX XXXX XXXX XXXX XXXX  XXXX ). 

Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by Midland Credit besides deleting the collection will be considered willful non-compliance. I am invoking my rights under XXXX XXXX Code XXXX ( XXXX ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action. 

Moreover, I insist on Midland Credit providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section XXXX ( a ) ( XXXX ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

I received an alert from all three credit bureaus which are XXXX, XXXX XXXX XXXX stating that I owe a debt to PROFESSIONAL FINANCE COMPANY which is false information. I have no knowledge of this debt and tried to contact this company ( PROFESSIONAL FINANCE COMPANY ) by phone ( XXXX ) XXXX and have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that I owe this debt and if they can't I need it to be removed from my credit immediately. I pride myself on paying my bills on time. This is hurting my credit.
Consumer complaint received 2021-09-17
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. (NY)

I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been reaching out to Bank of America for the past 8 months trying to get them to call XXXX XXXX. They told me back in XXXX I did not owe anything to them now its XXXX and I still have no been able to open and banking account nor have I been able to get restrictions lifted off of my account. I have been calling almost everyday and they have not resolved my issue or complaint.