davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (TX)

Mortgage is reporting late payments for XXXX incorrect scenarios : Sometimes XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and sometimes XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is different depending on which credit bureau or which month our credit is pulled ( in XXXX and prior months it was the second set of dates but it was " corrected '' to the first set of more inaccurate dates in XXXX. ) However, the correct dates that accurately reflect when we made late payments as a result of a rolling XXXX are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

We have sent payment statements highlighting when late fees were assessed, dates payments were made and even received a letter back from Loancare stating that XXXX was in fact paid on time and was current. Our XXXX disputes ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with Loancare were denied. They maintain that their data is accurate, despite there admission that XXXX was current. We then disputed with the XXXX credit bureaus. They have corrected the actual dates but the account status designation of 30 days past due remains on the incorrect months. This leads lenders to believe that our most recent late payment was XXXX or XX/XX/2023 when it was in fact XX/XX/2023.
Consumer complaint received 2020-12-27
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: Bread Financial Holdings, Inc. (WA)

I am writing to COMENITY BANK/XXXX agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting COMENITY BANK/XXXX agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-03-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (NM)

A payday loan taken out with The Cash Store sold the debt to XXXX XXXX XXXX. This is a few years old and they kept re aging the debt and reporting it as new which is illegal and against fair reporting standards. They refuse to update the account on my credit report with the correct date of delinquency.
Consumer complaint received 2020-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I disputed this alleged debt on XX/XX/2020 by certified mail return receipt Credit Acceptance had 30 days to respond to my dispute letter and report this alleged account to the Credit Bureau 's as a disputed debt by XX/XX/XXXX, XXXX Credit Acceptance has Failed to do both. Credit Acceptance has Fail to respond to my dispute within 30 days validating this alleged debt, Credit Acceptance has failed to report this alleged debt to the Credit Bureau 's as a disputed debt ( Violation of FCRA 623 ), as of today I haven't heard from Credit Acceptance or did they mark my credit report disputed.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2023 and a balance of {$1800.00}. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2.

( it also states, a consumer reporting agency can not furnish an account without my written instructions under 15 used USCS 1666B a creditor may not treat a LATE payment on a credit card account under an open and consumer credit plan as late for any purpose. Please update to paid on time because the information being reported is NOT accurate
Consumer complaint received 2023-01-05
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (OR)

I have been trying for almost a week to get a payoff quote from ally bank that includes my loan account number. I have spent hours on the phone and still do not have this most basic document. Ally bank is not relinquishing this information so that I can not refinance and so they can still keep earn interest on the loan at a ridiculously high rate.
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (NC)

I had a auto loan with XXXXl XXXX auto finance I refinanced the auto with XXXX XXXX XXXX XXXX who paid XXXX XXXX auto loan off and received the title however my credit report for Experian showed the loan as a charge off account I disputed the information and provided proof from XXXX   XXXX auto that the loan was in fact paid off with no balance r title received however Experian refuses to correct the account to paid in ful XXXX balance evpwrian continues to note the account as a charge off which is seriously effecting my credit
Consumer complaint received 2024-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

I had added autopay to my account with a previous individual. One month I got a notice that my payment hadn't processed. I called and they said there was an issue with the account and that my autopay hadn't processed. I went into the account and manually processed the amount and a late fee was applied. When I called the agent- they're trying to put me through a separate setup for autopay. It's all VERY CONFUSING because none of the autopay issues seem to be directly my fault- as the autopay for some reason from the first encounter was never applied. Yet, when I went in to pay - everything was there for it to be processed. 

See notes for current issues in attempting to setup autopay and bi-weekly payments. I've been having issues since my loan was transferred to NewRez. Everything was fine before then. 

My credit & my equity have been significantly affected since the forced switch of lenders
Consumer complaint received 2020-08-08
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX  DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (FL)

I called the credit reporting agencies and let them know the inquiries in the documents below are not suppose to be visible on my consumer report. I never gave permission for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is considered aggravated identity theft.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST INTERSTATE BANCSYSTEM, INC. (SD)

On Friday, XX/XX/2022, First Interstate Bank experienced what as called a " server error '' and no funds could be withdrawn. This second time in within a year that this bank has ha major system errors that have resulted in frustrations and poor customers experiences ( see my complaint from XXXX, 2022 ) .Funds were clearly available, but the Bank was denying them to the customer. The tellers ' best advice was to use the ATM machine outside of the bank, which is not available to anyone without a debit card. 

Denial of Funds is obviously a serious issue and First Interstate has a problem with it.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (PA)

a person who I don't know, went into the TD Bank Branch in XXXX Pa and took a standard deposit slip accidently wrote my checking account number on the deposit slip and deposited XXXX into my account. now my question is, why the teller didn't verify the person on the account when the person gave her the cash and deposit slip, certainly she typed in the account number, instead they just processed the transaction. so when I went into my account online, naturally I saw the transaction, printed the deposit slip and receipt of the transaction and took it to the TD Bank Branch in XXXX XXXX   XXXX, Pa, where I work. and XXXX told me that it would be corrected in 30 minutes. that was at approximately XXXX XXXX. it was corrected, but I am fearful now that some stranger has my account number on the deposit receipt he acquired after the transaction. my complaint is that no one verified who this person was or the account information with him.
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendmark Financial Services (GA)

I purchased one vehicle from these individuals in XXXX XXXX 's little did I know that the vehicle needed a new motor shortly after purchase so I went back to the XXXX XXXX 's office to see about securing a personal loan of XXXX to repair the truck so after getting the loan I had the truck repaired 3 days after getting the vehicle back it was totalled by no fault of my own I did purchase the gap insurance and I was having difficulty making the payment I was told by the manager to let it get behind so I could do a differment so I did now I'm being penalized for something I was told to do I have tried to refinance but to no avail because they refuse to send any paperwork to the bank all the above money due has been reported to the credit bureau and it shouldn't be it all should have been resolved between the gap insurance and XXXX paying the truck off so now they continuously harassing me about making these payments what's really going on are they allowed to just do what ever they want? 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2020-03-04
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANCO POPULAR DE PUERTO RICO (FL)

Thank you for the opportunity! In XXXX I bought a house at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Puerto Rico ( PR ) with the bank XXXX XXXX, but Banco Popular de Puerto Rico ( BPPR and " the bank '' ) bought all mortgages from XXXX XXXX. In XXXX BPPR started a foreclosure case in XXXX PR, case number is XXXX. The corthouse website currently say that the case was resolved on XX/XX/XXXX, but that is not true. The bank says it is on a stopped foreclosure while a registral problem is resolved, but there is no registral problem. The bank blame the attorney of the development, Mr. XXXX XXXX XXXX with offices in XXXX XXXX XXXX XXXX XXXX PR, and the attorney blames the bank. XXXX, who works for the bank ( Loss Mitigation ) also told me after she spoke with a XXXX XXXX ( hopefully these are their real names ) that there is a company called XXXX XXXX ( which I XXXX  and found nothing ) that is working with that " registral problem '' ... since XXXX! Also that they don't know how long the " registral problem '' is going to take, and that they couldn't give any contact information to me so I can talk to them and ask them why is taking 12 years to resolve that " registral problem '' because " this is an internal process ''. This situation is making me literally mentally sick because this house is not supposed to be on my name after 13 years. I think they are lying to me, hiding something from me, and the worst is that they keep saying the house is mine, of course, because no one is doing their job correctly. I supposedly owe them {$110000.00} and is being on and off from my credit history 3 times so my credit score has been affected 3 times already. Please help me! I tried to talk to a lawyer in PR about suing BPPR for Damages but he never replied. I just want this house to be auctioned and my name be removed completely. Please, help me, I don't know what else to do.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. My brother ( XXXX XXXX XXXX XXXX XXXX  ) stole my identity in 2018. He opened several credit card and checking accounts under my name. He was subsequently prosecuted and jailed for these actions. 

I have been trying to get XXXX XXXX XXXX XXXX XXXXXXXX XXXX to remove the credit card account from my Equifax credit report for years. I have disputed the information through Equifax. I have written numerous letters to XXXXXXXX XXXX with police and FTC Identity Theft Reports. To no avail. They do not respond. 

However, they continue to verify that the credit card account on my Equifax report as accurate, sometimes changing minute details.
Consumer complaint received 2023-01-27
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MortgagePros, LLC (MI)

I have received over XXXX unwanted phone solicitations today from Mortgage Pros XXXX. They use over XXXX different numbers so it's impossible to block them. I have asked at least XXXX representatives not to call here and told them they do not have permission to call me. The last representative said too bad he is going to keep calling. I hung up then he immediately called me 4 consecutive times. I have never seen such targeted harassment.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I acquired new insurance in XXXX. The lender declined to pay the insurance with the Broker for XXXX XXXX. After multiple attempts by my broker to collect the payment for the new insurance, NewRez had stated a check was sent and payment had been made. In XXXX, I received a note from XXXX that my insurance was cancelled. This IMMEDIATELY made my home uninsured. This put my investment at risk BUT it also violated the terms of my mortgage- my lender decided to place their own insurance & have me pay for their mistake. 

I've been calling and dealing with this since XXXX. It is now XXXX, 2024 and I'm still working through getting this insurance corrected. My new balance now also shows an increase of XXXX due to their mistake. I've tried to contact NewRez on multiple occasions and continue to get half-answers and trasferred to other departments. 

My new payment of XXXX XXXX is set to start in XXXX and I have no way of making this increased payment amount due to NewRez 's error!
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA charges too much on my car loan and has never sent me a contract detailing the fees, though I have requested it several times. Last month I had a problem with my bank account and was late in paying my autoloan installment because of it. When I looked at my statement I saw that they applied most of my installment to interest. I called and they told me they applied most of the payment to interest because I paid late. Please refer to included statement of account. : Date Posted Effective Date Transaction Amount Balance Principal Interest Late Fees Misc. Fees XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$240.00} ) ( {$320.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$390.00} ) ( {$170.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$230.00} ) ( {$330.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$17000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$310.00} ) ( {$250.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$290.00} ) ( {$270.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$18000.00} ( {$180.00} ) ( {$380.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$390.00} ) ( {$160.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$300.00} ) ( {$260.00} ) -- -- XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$560.00} ) {$19000.00} ( {$130.00} ) ( {$420.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$19000.00} -- ( {$560.00} ) -- --
Consumer complaint received 2023-06-08
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX LXXXX XXXX XXXXXXXX Balance : {$120000.00}
Consumer complaint received 2022-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Credit Corporation (GA)

I contacted my lender and set up a payment arrangement. This was at the start of covid. My arrangement wasn't hornered., I was charger extra frees and eventually lost my vehicle. I have mumeriious conversation and and recording. I even spoke with legal aid. Nothing they offered was kept up on my lenders end. My car was taken and I wasn't notified. There was so many tools, cloth, money, etc inside my property. The car was resold and I was even sent a bill afterwards...
Consumer complaint received 2020-03-04
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: LEXISNEXIS (NY)

I was disputing a Bankruptcy on my credit report that XXXX   verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them XXXX stating they were able verify that bankruptcy from my credit report by verifying it with a third party called LexisNexis. So on XX/XX/2020 i sent LexisNexis letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. As of today XX/XX/2020 i have not gotten a response from them.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a Business Fundamentals Checking account with Bank of America on XX/XX/XXXX in branch. The account came with a promotion to receive a {$500.00} bonus when depositing a cumulative {$20000.00} and making 10 electronic  transactions within 60 days of account opening. These requirements were fully met by XX/XX/XXXX. I did not receive the promised {$500.00} bonus after that .... 

The bank was contacted regarding this on XX/XX/XXXX and I was told it would be manually looked in to and credited. No bonus posted. 

A follow-up call was done on XX/XX/XXXX and I was told the issue was being escalated and I would receive a response no later than XX/XX/XXXX. 
No such response ever came. 

On XX/XX/XXXX a bonus of {$300.00} was posted. It is nice that they provided a bonus ... but it was not the promised bonus per the terms. They are still short {$200.00}. 

Upon re-reviewing the paperwork provided at account opening, the dates to match up as they are prior to the account opening. My guess is that the banker signed me up incorrectly for the promotion ( I recall her manually entering the code in to the computer and having to re-enter a different one because the first one she said was wrong ), which would explain the bonus not automatically posting. This is however, an issue caused by the bank, and I should not be punished for this. 

As of today, XX/XX/XXXX, i have been unable to get a satisfactory resolution from Bank of America and are asking for help as they still owe me {$200.00}.