davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

Back in XX/XX/2021, I notified TD Bank that I had received in the mail a package from them regarding a new checking account that was opened in my name with TD Bank of which I never opened. I told them that I would report it as fraud and they said that they would close the account, conduct an investigation, and then send me a letter upon conclusion of investigation. As of today, I havent heard from TD Bank and Ive tried everything thing from calling them and sending a letter but Im not getting a response.
Consumer complaint received 2021-12-30
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. (FL)

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX erroneous " 30 days late '' reporting to my credit report. Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX  resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Consumer complaint received 2021-11-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (IA)

I ordered a payoff on my car on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX the payoff qoute was {$XXXX}. During the call with the I verified that this payoff was correct and after receiving the payoff the difference would be requested from the gap insurance to pay the loan in full. I negotiated an amount of {$XXXX with the insurance company which was mailed and received by credit acceptance corp at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. the gap insurance payment sent was {$XXXX} = XXXX is the total amount of both payments. Credit acceptance now claims I owe an additional XXXX payable by XXXXXXXX XXXX.as of today at XXXX am on XX/XX/XXXX. The loan is therefore paid in full and should reflect that on my credit report so that I can purchase a new vehicle. this vehicle was totaled out due to a non fault accident and Credit acceptance is causing further damages by not showing this vehicle paid in full.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

Paypal claims that I have an available credit line with them, but have also told me that I can not use it. They claim that it is due to security risks yet offer no alternative for me to lift the security measures. THEY OFFERED NO SOLUTION except that I should use a credit card of my own.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 1ST RESULTS BILLINGS & COLLECTIONS, INC. (MA)

In XXXX, 2021 I noticed a derogatory mark on my XXXX credit report. This shocked me as I have excellent credit. Upon further investigation, I found that George Brown Associates notified the credit agency that I had an unpaid debt. 

This was the first I heard about this debt. I attempted to call the company at ( XXXX ) XXXX - XXXX as listed on their website ( see submitted video for listed phone number on XX/XX/XXXX ). When this communication method failed for several days, I submitted a form on their website notifying them that I had never been notified of the debt, inquiring about the origin and amount of the debt, and contact information. This was sent on XX/XX/XXXX. 

I also notified this debt collector that without this information I could not be expected to pay the debt. I provided my email address to the company so that they could respond. 

It has been five months and I have not received any form of communication from George Brown Associates. I do not know why this company took the step of reporting debt to XXXX without attempting to rectify the debt with me first. I am also disappointed at the utter lack of communication channels to reach this company. 

It is negatively impacting my credit, and I am now a graduate student applying for student loans. I feel helpless in rectifying the situation because this company has provided me no information. I only know about the debt through XXXX XXXX.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I received a message through XXXX from my brother. He claimed he was locked out of his car and needed {$120.00} to pay for the mechanic to open his car. He said his phone was dead and he had logged in through XXXX from the mechanics phone. He told me that he would transfer me the money back as soon as he was able to charge his phone. 

A few hours later after not receiving my money I called him. Then he notified me that a scammer had taken hold of his account and he never messaged me. I then called my bank to report fraud, but they told me there was nothing they could really do besides submit a fraud report and wait 10-45 days ( when the funds will likely have been withdrawn ). I have contacted both my bank, as well as tried to contact XXXX XXXX XXXX to try and resolve this only a 5 hours after the incident. ( BofA let me know that the funds were sent to XXXX ). XXXX is not picking up the fraud hotline.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Never received promotional {$300.00} credit after meeting the conditions for the credit. Complained to CFPB who did nothing but shuffle complaint to Bank of America who promptly lied to the Federal Government, Gee what's new? Said bank told CFPB in latest lie that they have sent me mail. Never received any contact from the bank and yet CFPB considers the matter closed? Well I don't. Somebody at CFPB needs to shake the tree, this is ridiculous.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Volvo Car Financial Services U.S., LLC (CA)

I returned my leased vehicle on time and was present for the inspection. 4 years later I discovered that there was a charge that I never knew about for over {$600.00}. I called Volvo and asked them to clarify the charges. They stated that there was a late charge, but the vehicle was turned in on time and they could not tell me what the other charges are for. I've contacted them 3 times to resolve this dispute and they still have not told me what all of the charges are for. This was reported to the credit agencies as a " charge off '', and is negatively affecting my credit rating.
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Called with my representative at XXXX CST to Eastern Account System as I wanted to settle this as I didnt know it was on my credit. We spoke to XXXX XXXX. She asked me to verify my mailing address but it was a previous address I had not lived at in the past two years, notification was sent to that address. Then I asked if I paid today if it would be deleted and I was told no. XXXX was informed that I had not received notification and asked again if I could pay this provided that it would be deleted and again was told no. XXXX was then informed that a complaint would be filed due to no notice being given and she had acknowledged that they sent out two letters to the incorrect, old, address. All I am asking for is for this to be given a chance to be paid without damaging my credit, as I was denied this when no notice was sent to my correct address.
Consumer complaint received 2020-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in XXXX of 2019 I received a call saying I was late on a payment. On that call they right away asked for personal information such as social so I immediately said I didnt feel comfortable disclosing that information over the phone because i didnt know if it was a scam. They called again and they continued to say they were calling regarding a late payment for kohls. So I check online to see if I had any outstanding payments and realized it was true. So I immediately payed the full amount off and apologized that I didnt realize I had made any recent transactions. Fast forward to today Im trying to buy a home and there are remarks posted on my credit history about late payments through Kohls. I reached out to kohls and asked to kindly remove the remarks. They continued to say that they do not reach out to the credit beaurral unless there have been months of unpayment and in my case I had made my payment as soon as they reached out. So that they werent sure why the remarks were left on there but that they had no authority to remove it that they would need to file a claim to do so. I filed the claim and they sent a letter saying they can not remove that remark. Now that remark is affecting my whole credit history when I always make my payments.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX 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
Consumer complaint received 2021-12-29
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. (MN)

From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low 500s when I know it should be in the high 600s. And I work hard on it and would like all my XXXX points back at least to get me back in the 600s. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/ 2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX years old in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.
Consumer complaint received 2021-12-29
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. (MN)

From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low 500s when I know it should be in the high 600s. And I work hard on it and would like all my XXXX points back at least to get me back in the 600s. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX years old in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc. (MI)

I rented an apartment at XXXX in the XXXX managed by XXXX XXXX XXXX for more than 10 years and Paid rent on time 99.9 % of the time. However, XX/XX/2021 during the pandemic Landlord decided to send me a notice that I received when I returned from an emergency out of town trip that stated that landlord intended to terminate my lease effective XX/XX/2021. However when I tried to pay XXXX 's rent landlord returned my check stating they intended on evicting me on XX/XX/XXXX and could not accept my check. 

This matter finally came before the XXXX XXXX XXXX XXXX XXXX, Michigan XX/XX/2021 and was settled with my payment to landlord in the amount of {$7000.00} that was not to include any penalties or late fees and covered 6 months rent part of which was Gas and water and sewerage. for the last 12 months in XXXX my rent was {$970.00} + {$75.00} ( uncharge for month to month ) = {$1000.00}. Additionally, with the utilities included my average monthly was {$1100.00} for the past year. the court order was settled with {$1100.00} per month which included the utilities that were managed by the landlord XXXX XXXX XXXX. However they are now trying to keep my {$370.00} deposit and falsely claiming I owe {$220.00} for the same bills I have paid. The collection agency representative was interrupting me while I was trying to explain. I felt talked down to and unfairly treated. She told me without even checking that I owed the money for legal fees or something so pay it.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (OH)

I hope this letter finds you well. I am writing to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under section 15 USC 1681s-2 ( a ) ( 1 ) ( A ), regarding the reporting of taxable income related to Form 1099-C.

I have recently encountered an issue with Possible Finance, a creditor who has reported a cancellation of debt on my behalf, resulting in the issuance of Form 1099-C for the taxable year [ Year ]. The cancellation of debt reported by the creditor has inaccurately represented my taxable income, leading to potential discrepancies in my tax filings.

Upon reviewing the information provided by Possible Finance, I have found that there are discrepancies in the amount of cancelled debt reported and the corresponding taxable income. This inaccurate reporting has the potential to significantly impact my financial standing and tax obligations. As per FCRA regulations, creditors are required to furnish accurate information to consumer reporting agencies, which in turn affects individuals ' credit reports and financial well-being. 

I have made several attempts to rectify this issue directly with Possible Finance, but unfortunately, these efforts have been unsuccessful in resolving the matter. Therefore, I am reaching out to the Consumer Financial Protection Bureau to seek assistance in addressing this violation and ensuring that the creditor adheres to the provisions outlined in the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting of taxable income related to Form 1099-C. Additionally, I would appreciate any guidance or support you can offer to help resolve this issue efficiently. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-29
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. (GA)

THANSUNION XXXX AND XXXX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX BANK BALANCE OF {$520.00} XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

If you log into Experian at us.experian.com and you already have identity protection with them through an employer paid compensation for a security breach ... .., They offer you the chance to unlock your credit. I clicked that by accident when all I wanted to do is to unfreeze my report briefly for opening a new account. 

They require you to sign up and pay money to relock your credit. That is not right when your employer already paid for the lock.
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (CA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX  and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.
Consumer complaint received 2021-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm crippled and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.
Consumer complaint received 2021-12-29
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. (TX)

On XX/XX/2021. I wrote Equifax requesting their method or methods of verification regarding two bankruptcies that they are reporting on my Equifax credit report. I requested that the method or methods of verification be mailed to me. To date I have not received any mailed responses from Equifax. I know that Equifax has received my letter of request as I have attached proof of the letter of my request of verification and returned certified mail receipt.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (SC)

Hello, this is a follow-up for a request to provide more information for COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics. 

I have provided correspondence with XXXX homes from XXXX. When I log into the portal link, it states I don't have a complaint. Please see complaint # from XX/XX/XXXX. Thx.
Consumer complaint received 2015-10-05
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PNC Bank N.A. (AZ)

My husbands mother passed away in XXXX. We have sent an original copy of her death certificate and filled out the paperwork that they sent. We received confirmation that they received these items and they still call XXXX times per day ( each of our phones ). Each time we explain what has happened and each time we are told that the calls will continue until the mortgage is paid.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So i checked my online credit card account from bank of America around XX/XX/XXXX and realized there was a charge for XXXX from XXXXXXXX XXXX XXXX which the transaction date was XX/XX/2021. So i called BofA to report this fraudulent transaction. They denied my claim 2 weeks later saying " it was a contactless transaction, therefore your card was in your pocession ''. Obviously it was in my procession but I DID NOT MAKE THIS TRANSACTION. They are not helpful at all. And I never do contactless transactions ever. They even looked at my history last time I did contactless was in XXXX which shows that I rarely use contactless method. They even canceled my old card and sent me a new card but still denied my claim. This is ridiculous. I always pay my bills on time and never am late on payments. I want my money back and I've read a lot about BofA doing this to a lot of their customers.