davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

The car was totaled 2 years ago and my insurance paid for the car. They then tried to sell the debt to a collection company. I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again, without telling me anything. Now they are harassing me with collections threatening to hold this against me. The account shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent and the account needs to be closed.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (CO)

Hello, I made a purchase from XXXX XXXX XXXX late 2020. I paid {$4500.00} for 3 pieces of equipment, that were never delivered or offered a reason as to why they weren't delivered. 

I purchased this equipment via using Navy Federal Credit Card to purchase cryptocurrency to send to this vendor. 

I filed fraudulent charges with Navy Federal Credit Union explaining what happened. 
I have already filed multiple police reports and a report with CFPB ( Complaint # XXXX ) in regards to XXXX XXXX XXXX XXXX. 

Navy Federal Credit Union determined that I am at fault since the exchange completed the transaction but the vendor did not fulfill his/her order. The vendor will not honor the purchase, return emails or anything. Yet Navy Federal REFUSES to acknowledge that this vendor is a scammer and continues to say that I now need to pay for it, even if this vendor committed vendor fraud.
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (DE)

In XX/XX/XXXX, I noticed a collection on my credit report from Professional Finance Company ( PFC ). On XX/XX/XXXX, I sent a letter to the company to verify this debt. Their company received my letter on XX/XX/XXXX. They failed to respond to the letter of verification sent to them. After 45 days passed, I then proceeded to file a dispute with the Credit Bureaus specifically informing them that PFC did not respond to my request for verification. After disputing with the credit bureaus, PFC mailed me a bill with no explanation on how said bill belongs to me. On XX/XX/XXXX, I then mailed PFC again, to explain that the information provided was not accurate and the remove the inaccurate information from my credit report. To date, XX/XX/XXXX I have not heard back from.
Consumer complaint received 2021-03-17
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: Experian Information Solutions Inc. (NV)

Wonderful Experian once again has XXXX  with my credit file and I can not access it online! Anytime I go to access my credit report from Experian it immediately kicks me out saying I can not do it and I need to submit a written request, Experian has XXXX with me for many many years to the point where I let them know how unacceptable it was so what did Experian do? They placed me on a write in only status because I was XXXX off when they kept making mistakes and excuses? Over and over and over and over and BLOCKED my number. This is absolutely ridiculous and highly illegal. I have every single right to view my credit file online at my leisure as well call in when I wish, but NOOOOO Experian wants to break the law and block me from seeing my file!!! FIX THIS AND GIVE ME ACCESS TO MY CREDIT REPORT ONLINE!!!!!!!!!! 


DO NOT SEND ME A CREDIT REPORT IN THE MAIL!!!!!!!!!!!!!!!!!!!!!! 

FOR SECURITY AND PRIVACY PURPOSES I DO NOT WANT MY CREDIT REPORT BEING MAILED!!!! 

I WANT ACCESS ONLINE!!!!!!! 

I have filed countless complaints against this company in regards to this exact same issue and every time they fix it for 5 seconds then it goes back to that same exact thing.
Consumer complaint received 2020-01-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (FL)

My loan was approved with XXXX XXXX for loan modification in XX/XX/XXXX. 1st Trial plan payment was paid XX/XX/XXXX and XX/XX/XXXX. In midst of loan modification approval, my loan was serviced transferred to Midland Mortgage. I created an account online for Midland mortgage and saw that the loan modification was denied, but it stated that I had until XX/XX/XXXX to turn in the sign trial plan without having to reapply for LM. So I emailed the signed trial plan to Midland mortgage on XX/XX/XXXX to the email address the representative over the phone gave me, but as of XX/XX/XXXX the loan has not been reopened so I can complete my final trial plan approval. I would like for Midland mortgage to reopen my LM application so I can pay the final trial plan and complete my modification approval, but  they are not cooperating. They are requesting that I reapply for LM.
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance Corp is a fraud. They have been adding extra fees to my credit report and Ive been paying attention lately. They apply all the money to the interest. My loan amount was {$13000.00} I had {$3500.00} down deposit. After all fees extra. I was left with {$11000.00} to finance. Ive been paying {$350.00} for 4 years straight. I had a problem one time and missed 1 late payment they came to repo my car. I said my checked just got cleared and had to wait for the bank to open to get the money and transfer it to my other bank, because I didnt have a card for this bank. The people would not listen.. They came at XXXX in the morning. I tried calling credit Acceptance but they were closed. So they replied my car. As soon as the bank opened I went and got the money deposit it and payed them off. To remind you bank opened at XXXX and they opened at XXXX I believed. So the car was at the place for 1 hr. They charged me {$700.00} to release my car. I only was {$43.00} late. So Ive been requesting pay off quotes before the payments were made. I make a payment and then request another pay off quote. When I made the request for the pay off quote my balance was {$3900.00} cent. I made a {$200.00} payment. I went back after 1 day after that payment and requested another pay off quote now my balance was {$3900.00}. So I made {$200.00} only {$0.00} went towards my balanced and added more. They are fraud. One day I requested my payment history. The guy sent me a link which was blocked. They said I needed a password to enter the link. I called and said they sent me a link and I needed a password and I dont have a password foe the link. They said they were going to get back to me. Never heard from them again.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (CA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! XXXX, XXXX and Experian need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2017-05-03
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. (MI)

There is wrong information in my report : > My present address :  XXXX   XXXX   XXXX   XXXX , MI.  XXXX  : please update   XXXX   XXXX   XXXX    XXXX  #  XXXX  : I have paid off this account, please update balance
Consumer complaint received 2023-03-09
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}
Consumer complaint received 2021-03-16
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: Dynamic Recovery Solutions, LLC (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

Opened up a Comenity Bank Virgin America Visa Credit Card. Original terms of the agreement say that I am eligible for a  XXXX  $ statement credit with my first purchase. It has been about 3-4 months since I opened the card, and everytime I call customer service I do not get a right answer. Please contact the bank to process the credit.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (FL)

I have notice two incorrect information on my report one for the amount of {$630.00} that was reported on XX/XX/XXXX under XXXX XXXX as original creditor, the address reported is not my correct address. and there is another one that i dont even know about and the amount 0f {$1600.00} that is appear to be a medical debt under coconut creek XXXX XXXX that i deffinetly know about. I'm fully insurance and have been like that for ever.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NC)

I opened a card with Victorias Secret for a {$7.00} purchase, they explained that I would receive the credit card and could pay the bill with that card number. When the bill arrived, there was no way to pay it without the card number. I checked time and time again for the card so I could pay the bill but I moved for college and stopped receiving the mail. I didnt realize the issue until my credit score tanked, which is when I immediately called and paid my bill. Im 21 and had an excellent credit score until this billing issue. I have never paid my rent late or missed another bill, I am a good bill payer and expect to buy a house in the next 3 years.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (GA)

I have repeatedly told Harley-Davidson Financial Services to NOT call me at work about my motorcycle loan. I have called the company numerous times to tell the XXXX man who can barely speak English to STOP calling me at work. His name is XXXX XXXX and he tells me to call XXXX. This keeps happening over and over and over and it is harassment and I've reached the end of my tolerance.
Consumer complaint received 2021-03-16
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. (CA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Chaplain Financial Services LLC (NC)

Today I received a call from a company with a  XXXX  area code. Eventually they left a message saying they were filing court papers with  my county t o sue me and will serve me at my home or job.     If my job was served, and I was unavailable then they would get my supervisor to accept my summons and I would be sued.     The number they left is for a Georgia office by Chaplain Services. Everyone is saying this is a scam.
Consumer complaint received 2022-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (TN)

I found out on XX/XX/XXXX that a car note was fraudulently opened in my name through Bridgecrest financial in order to purchase a XXXX XXXX XXXX from XXXX for {$38000.00} around the end of XXXX, XXXX. I notified XXXX and Bridgecrest. Recommend investigating the loan officer and salesperson for complicity since the identification used doesn't match my actual address or previous addresses.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC (MO)

I have seen that a 3rd party collection wich is fraudulent activity, on all 3 of my report since XXXX. Continue to report that I owe XXXX+ dollars and I have never had a loan unless it was school or my car! And since it was illegally sold information that I never did it violated my fcra rights with wrongful information sent to all 3 reporting companies stating that I spoke with them and I have never done so Once I wrote to remove or seek max penalties the company sent me all the fraud copies of the loan from a fraud check with my fraud signature with a fake address and number that all 3 reporting compies keep binding me 2 and saying its mine so when they call this number the person who done this 2 me is the only person who they can write to and speak 2 please remove the account I can not move or use credit due to me being victim for over 6 months of fraud and no 1 is honoring my fair XXXX .the address on file is were docs are going please remove off so I can update my report with the right address and number I can't even get in control of my own name with this not getting took care of.SINCE THE DEBT WAS BOUGHT AND ITS NOT EVEN MINE PLEASE STOP HARRASSING ME FOR ILLEGAL DEBT. PLEASE HONOR THE FACT I HAVE NOT GOT MAIL BUT ONLY HARRASSED ON MY REPORT IT IS NO WAY THAT I JUST STAYED 4 TO 5 LAWS BROKEN AND NO ONE REMOVED THIS I WILL NEXT SEEK MAX LAWSUIT.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

BANK OF AMERICA, XXXX XXXX ( DETR ) UNEMPLOYMENT DURING THERE FRAUD INVESTIGATION REMOVED XXXX FROM MY ACCOUNT WHICH WAS PUT THERE BY B.O.A. MONTHS EARLIER. I HAVE BEE TRYING TO GET IT RESOLVED FOR ALMOST SIX MONTHS.. BOTH ARE DENYING THEY TOOK MONEY. AND BOA KEEPS TRYING TO CLOSE ACCOUNT, EVEN THOUGH I HAVE LETTERS FROM BOTH DEPARTMENTS SAYING THAT HAVE COMPLETED THERE INVESTIGATION WAS COMPLETE AND THERE WAS NO FRAUD AND THAT A CREDIT OF XXXX WAS NOW PERMANENT AND WOULD BE RETURNED TO MY ACCOUNT
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-03-16
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: EQUIFAX, INC. (PA)

Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 
INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANNER CORPORATION (CA)

On XX/XX/2021 I called Banner bank to try to get a loan for my first house. I then got pre approved over the phone and they asked me series of questions to finalize the approval to see if I met the requirements. Call got disconnected and didn't think much of it since I thought I got approved, a few days go by they have not notified me of approval or rejection and comes to find out i now have a inquiry on my report from them which is not affecting my chances of getting a mortgage and this company refuses to help me in this unfair situation.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (UT)

On XX/XX/XXXX I submitted a ticket for XXXX to remove the XXXX from my account as I'd lost my XXXX authenticator codes. I got an automated email from " XXXX '' saying to attach my ID, a picture of me holding my ID, and a video requesting them to deactivate the XXXX, which I sent them immediately. It is been almost 3 days since hearing from them at all and it seems they are just holding my money XXXX and not working with me to get into my account. I have enough money in there that I'm missing out on profitable trades and gains and they have to let me into my account immediately. No sign of contact with an actual person. This needs to be resolved now.
Consumer complaint received 2021-03-15
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. (GA)

There is a bankruptcy on my credit report. I asked for verification thru certified mail so I can get a description of the procedure used to verify the info. I called and all 3 bureaus stated it was verified thru XXXX. That is not possible because my XXXX is frozen. All 3 bueraus lied.
Consumer complaint received 2021-03-16
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: DISCOVER BANK (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )