davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (DC)

I transferred {$2000.00} to an external account and my bank then closed the account 2 days later. I asked about my transfer/deposit and I received no answer. I need assistance making sure they deliver my transfer as promised and handle the funds as instructed,
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

After I was laid off from work I immediately contacted Volkswagen leasing Department and requested a 90 day payment deferment of my lease to give me time to get in contact with unemployment or get back to work.

After I received notice that I had been granted my deferment I called to confirm that no megative remarks would be placed on my credit report and that I wouldnt recieve any late fees. I was assured that none of the mentioned would happen.

After 30 days I noticed alerts showing up that My credit score had dropped and that it was because Volkswagen had reported my account delinquent. I contacted Volkswagen and they said it will be taken care of because it was done in error. Fast forward to today and now 60+ days past due and it was reported again further dropping my score at the end of my lease ao that I have no choice but to get another vehicle with them when I cant afford that now that i am working part time. please help as my lease will be up Next month. Thank you for any consideration. I will attach the letter stating that i was granted my deferment.
Consumer complaint received 2024-03-08
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. (NJ)

This is my multiple request to remove these inquiries of my credit report there is no action until, now. 

XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Acknowledge Debt Resolutions (FL)

This company is calling people from my family and my ex-husbands new wife threatening they are going to file a judgment against them and myself if they don't cooperate. When I called them, they were very aggressive and disrespectful. I did use foul language when speaking to them out of anger, however I felt abused and threatened by them, they called me a child and that there was nothing I could do because the courts will take care of me and it will be ugly. They said " I'm sorry to have to do this to you in the middle of a pandemic, but we need to collect '' This is an old debt more than 5 years old that was less that {$500.00} dollars that I could not pay because of job loss, which since I have fixed my credit and have an account with the people they are claiming I owe and the account is active and in good standing. This debt they are trying to collect is not on my credit report at all. They are saying I owe {$1700.00} because of interest and fees ( original past due amount was {$500.00} for XXXX  work  I needed. This was a care credit account ). They would not give me the details on why the amount was so high and when I discussed how that could be lowered they said it could not be and they will seize my assets and my husbands assets. They will take me to court and will be reporting to the credit bureau. They said if I let them proceed with the judgment they will now be charging me in excess of {$6000.00} to {$7000.00}. They would not provide their full names or address to me so I could send a Debt validation letter. They kept putting me on hold every time I would try to speak. They would pass the phone back and forth between agents claiming to be the supervisor.
Consumer complaint received 2020-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

Freedom Mortgage IS NOT COMPLIANT WITH CARES ACT, I called and spoke to representative to get Forbearance for 180 day under COVID -19 CARES act, they stated that someone will call me to discuss situation and to send form for COVID -19 financial hardship Notification. I did that right away. I also asked if this will reflect my credit, the answer was we are still smoothing things out, someone will call you back. I received the letter on XX/XX/20 stating that they are only approving me for Forbearance for 90 days and they are reporting this to a credit report company. I found out that my mortgage is under XXXX XXXX. No one called me back to discuss any options at all and about repayment plan. I understand that under COVID-19 CARES act that my credit will not be effected and I need 180 days of Forbearance and might need additional 180 days. What can I do, please help and advise.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC (IN)

Avid acceptance will not allow a payment plan for me to reasonably get back on track. The money I have sent in was used to pay late fees and high ridiculous interest rates at 10 to 15 a day. They are rude and call harass me at work .leave message for the secretary to give me and humiliate my financial situation of getting reduced hours I have paid before to get out of a similar situation. Avid Acceptance and XXXX XXXX XXXX  car dealer conspired against me and my wife on this loan from the start. Excessive illegal charges I have paid and 6 day a week threats. And they don't do anything about this but call talk nonsense once the cfcb backs off and it starts all over again. Please help.
Consumer complaint received 2023-05-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2021-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

Purchased items however refused certain items upon delivery. I returned 2 end tables in the amount of XXXX each ( 2 ) and XXXX  in the amount of XXXX. I was informed only credit for the amount will be of the items. However, the contract will not change.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have THREE problems. 
( 1 ) I checked my credit again today, and a nonsense address CONTINUES to be listed. I contacted both XXXX and Bank of America and the incorrect address continues to be shown. That address is XXXX XXXX XXXX, XXXX, CA XXXX. That address doesn't exist. I've called and confirmed they are going to remove this and they don't do anything. They tell me they'll do it, and NOTHING. 
( 2 ) My credit card with XXXX through XXXX doesn't appear at all. I've had this card a long time. I don't understand why it doesn't show up on my credit report. 
( 3 ) They have an incorrect social security number last four of XXXX listed. That's not my SSN. 

I don't know how the banking industry can exist with these absolute fools and incompetents doing credit reports. Credit reports are important. Inaccurate, missing, and just plain XXXX  XXXX does not help the banking industry. I want this stuff fixed and there's no way to speak to anyone at XXXX or Bank of America in any reasonable amount of time ( hours on hold ) AND you can't do it via email or mail - there's no addresses provided. These people make big money with this XXXX and there is NO SERVICE to help get corrections.
Consumer complaint received 2020-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (NJ)

I applied for an application for a PPP Covid19 Loan within 36 hours of it being offered. I submitted my application for the application. I have not received an application. I have received continued emails from Wells Fargo indicating that I have a place in the queue and if they get to my place, I will be offered an application. Wells has indicated that I should consider applying elsewhere. I have called some other banks. All have the requirement that you have a business checking account and some kind of credit with them. My only business checking account is with Wells and I can not apply elsewhere. I believe that I have been defrauded by Wells. They have offered a product that they can not provide. Please let me know if there is anything I can do to get my loan. 

Thanks. 

XXXX XXXX
Consumer complaint received 2022-11-06
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which 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 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (MI)

After I was laid off from work I immediately contacted Volkswagen leasing Department and requested a 90 day payment deferment of my lease to give me time to get in contact with unemployment or get back to work.

After I received notice that I had been granted my deferment I called to confirm that no megative remarks would be placed on my credit report and that I wouldnt recieve any late fees. I was assured that none of the mentioned would happen.

After 30 days I noticed alerts showing up that My credit score had dropped and that it was because Volkswagen had reported my account delinquent. I contacted Volkswagen and they said it will be taken care of because it was done in error. Fast forward to today and now 60+ days past due and it was reported again further dropping my score at the end of my lease ao that I have no choice but to get another vehicle with them when I cant afford that now that i am working part time. please help as my lease will be up Next month. Thank you for any consideration. I will attach the letter stating that i was granted my deferment.
Consumer complaint received 2023-01-06
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. (LA)

My name is XXXX XXXX and I am a victim of Identity Theft. I received a copy of my credit report and have no knowledge of these unknown inaccurate fraudulent accounts and addresses. I have reached out to these companies many times to remove these accounts and addresses and the respond that they have been verified but has not sent me any documents with proof of verification. These companies have added new dates and remarks to these fraudulent accounts which are closed and charged-off.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (TN)

Hello, I am writing this complaint after trying several times to correct this with the current servicer. I had recently had my PMI dropped with an updated appraisal that came in above {$730000.00}. I requested from the servicer to have the escrows removed but they are refusing to do so citing that my LTV is at 84 % but that doesnt make sense as I would still have my PMI. Now they are stating that when my loan was transferred the first month when I was unable to make a payment online they are stating it was an in-house late payment. Which they arent reporting to the credit bureaus as we all know a consumer is allowed a 60 day grace period when loans are transferred. I have spoken and emailed them 18 times about this matter always getting the run around. I need help as I am absolutely not required to pay my escrows with my mortgage and am choosing not to do so. The current servicer is XXXX XXXX XXXX, my previous was XXXX. I have never been late on my mortgage with either of them.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

My mortgage has been with Seterus for a number of years ; I did n't " chose '' them -- they took over an existing loan. I have had minor problems with them in the past but recently they did not send me my bill until shortly before it was due. As a result, I neglected to make a payment until the last minute ( not intentional -- I was just used to receiving the bills well in advance of the due date ). In XXXX instances, I tried to make the payment online but was unable to do so due to technical issues with their site. When I called in, they let me make a payment over the phone but charged me extra. Even though I complained about this the first time, it happened again with respect to the bill due in XXXX. When I called in, they let me make the payment over the phone but insisted that I pay the surcharge. When I complained they said they would drop the surcharge from {$10.00} to {$5.00} XXXX which is what the website would have charged XXXX but, infact, they charged me {$10.00}. So, my complaint is regarding their negligece, their tardiness, the difficulty of using their website, their inconsistency, and the fact that they did not do what they said they would with respect to the surcharge. I think they are incompetent and are gouging me. Loan number is XXXX, Their phone is XXXX. Fax is XXXX.
Consumer complaint received 2020-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (VA)

After filing a previous complaint with CFBP regarding Bridgecrest refusing to help customers during the covid 19 pandemic, I received a call from a management representative on XX/XX/XXXX. The gentleman was professional and offered a 2 payment ( total of only one month, because I make bi-weekly payments ) deferment. I still dont believe this is adequate for most people in the situation the country is in at the moment. I feel 2-3 months is proper. However, that is not my problem. I asked the gentleman if I had to cancel my autopay for the deferment, and he stated that no, I did not, and that all I had to do was e-sign a loan modification form. 
I did so at the time it was sent to me. 
Today, XX/XX/XXXX, I received a call from XXXX from Bridgecrest stating that she needed my permission to cancel my autopay, so my payments wouldnt be taken out during the deferment. I told her that the gentleman I spoke to the day before said I did not have to do that, and I didnt understand why i was getting different answers. I told her I would just sign in online and do it myself, so I would be reminded to set it back up. 
After the call, I was busy taking dare of my XXXX XXXX, so I didnt just jump to go cancel it the autopay. I received a call one hour and 45 minutes later. I missed the call but called back. The new agent told me that in order to even approve the deferment, that I had to cancel my autopay. At this point I was very frustrated. I told the gentleman that every time Ive spoken to anyone at the company, and I havent called but maybe 4-5 times in 2.5 years, that everyone I had ever talked to gave me a completely different answer and no one ever answered a question the same way twice. 
I tried to voice my concerns as to how they handle business, and in no way ever disrespected the representative. I even made it a point to tell him several times that my problem wasnt with him, but the company. He proceeded to tell me that if I was going to disrespect his company that he would just end the call. 

This company never ceases to amaze me. They dont want to help customers, they only offer to after someone makes a complaint about them, and then want to do only the bare minimum and still give you the run around to get something that should be so simple, done. Ive asked them to not call me again unless its something important but if they feel the need to explain their incompetence to me on the phone, I give them permission to call me or my wife. 
Something needs to be done about their poor customer service and business practice. It shouldnt take everyone filing complaints on them to offer to help.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Equifax credit report. Upon discovering this fraudulent account, I contacted the associated bank, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. 

I am perplexed as to why this fraudulent account continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my Equifax credit report. The bank has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2020-06-14
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I have made several attempts to solve this problem with no success and XXXX hasn't responded to any of my inquiries. Revenue Recovery Corp is not my debt and it has been over 30 days for my dispute