davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

I have a loan with Prestige financial in which I usually pay over the phone with my debit card. I had some issue with the car which put my car payment behind. I notified the company and prior to my next pay I sent in a check. The check was for a specific amount in which I let the company know ahead of time. They in turn received the check, took the account information and routing number to process a payment without my consent. The representatives are rude, uneasy to talk to and can be intimidating. I used email to contact them and it clearly stated that I was NOT giving them my account information. Isnt that illegal?
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CASHCALL, INC. (CA)

Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that CashCall is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. CashCall indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called CashCall and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXXXXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. CashCall continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-08-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON EXPERIAN AND XXXX   CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to XXXX and Experian was sufficient proof of the re-aging and EXPERIAN AND XXXXXX/XX/XXXX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM EXPERIAN, XXXX  AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX  XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2018 deposit {$420.00} to my checking account, I printed the receipt with a balance of {$720.00}, next day I checked my bank application and for my surprised it showed four NSF, each one of {$29.00}. I called the bank and after almost hour on the phone the took one of the NSF charges, I called back after work and I spend two hours again on the phone, talked to a supervisor who also took two more of those NSF charges. That leave me only with one. I was asking the bank to paid the NSF charges and send a apology letter to my creditors on my behalf, but they didn't agree. I got proof of my balance before and after the deposit, also have shot screens from the bank app showing my balance. The person that I talked stated USAA is a we bank and they deposits after XXXXXXXX XXXX   are posted the next day, but he couldn't told me where in my contract this was, and like I told him isn't in the ATM for the customers to know. I'm asking for the refund of the NSF charges, and the NSF charge of {$29.00} refunded to my account, and the apology letter to my creditors. I have proof all the deposit, balance, the bank app who the person that I talked told me isnt correct ( surprise ), if that hey case, why bother. I always check my transaction on the bank app. 
Im asking for your help to resolve this issue Thansk XXXX XXXX
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I got a secured credit card through XXXX XXXX in XXXXI used it once, and was told by XXXX XXXX my score dropped XXXX points.I immediately called XXXX XXXX to cancel my card.The representative I spoke to told me I didn't owe any additional amounts, it was a secured card.A few months later, A default with XXXX XXXX appeared on my credit.I called XXXX XXXX, and was told my debit ( That I had no idea existed ) had been transferred.I have tried to dispute this debt repeatedly, just to receive letters stating I owe the debit, with no breakdown of the supposed debit, and letterheads from XXXX XXXX that have different dates.According to Portfolio Recovery, I was sent a letter in XXXX of 2019 from XXXX XXXX.I never received this letter.The letter I have received from Portfolio Recovery states " on or about XX/XX/2019 '' Is when my credit card debit was acquired.This is written on a XXXX XXXX letterhead.Obviously this is not from XXXX XXXXThese people buy debit for pennies on the dollar, lie, intimidate and cajole people for money they do not owe.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (NV)

as far as there reply, document 1, loan was sold and had XXXX XXXX  as payee, partial payments were sent to them with no problem, I started to pay them in XX/XX/XXXX. Home point is not any where listed on that document, and Home point financial is not on of that document ( doc 2 ) closing documents has XXXX XXXX on it not home point finical, doc 3 after their under lined sentence, it states lender may accept any payment or partial payment insuffient to bring the loan current, without waiver without any rights hereunder or predjustice to its right to refuse payments or such partial payments in the future, lender may hold unapplied funds until borrow makes payments to bring the loan current, so you can see all paper work is with XXXX XXXX on it not home point financial, you can see on the attached bank statement starting in XXXX when we refinanced, bi monthly payments were done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX payments to XXXX XXXX, again no where does it say home point financial
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kimball, Tirey & St. John LLP (CA)

KIMBALL TIREY AND ST JOHN, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND XXXX   CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX, the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to XXXX and XXXX was sufficient proof of the re-aging and XXXX AND XXXX   HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, XXXX AND KIMBALL TIREY ST JOHN, for their consistent violations of the FCRA.Kimball Tirey admitted to verifying this account at least 40 times in the above named CFPB complaint.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MS)

I called chase credit card services ( XXXX ) twice this week attempting to remove a late charge on my credit card. This had negatively impacted my credit score. I have had accounts with them for over 15 years I've never been LATE or missed a payment. I'm a XXXX year retired XXXX veteran. Who is trying to buy a home! Because of this matter I can not proceed. I told them I never received this statement in the mail. As soon as I found out I paid it promptly. By the time I paid it was already 30 days late. I actually had to pay both the due date and late payment at the same time. 
All I really wanted was a one time goodwill adjustment. Yet they won't grant me one ... Amazing, I've never been late for 15 years. Once I pay these people off I'm closing all my accounts with them and I'm going to tell everyone I know to say away away form CHASE!
Consumer complaint received 2019-04-30
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. (VA)

TransUnion customer service would not help with issue at hand. 

Hard inquiries not authorized Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX XXXX Made on : { XX/XX/XXXX } Made with : TransUnion
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This dispute involves XXXX XXXX XXXX  and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX XXXX  was still reporting data to the all 3 credit bureaus ( Transunion, XXXX, and XXXX  ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I requested a debt validation with a formal letter around XX/XX/2018 after I received a letter from this debt collection agency with no valid proof that it was my debt. The bill is in the amount of {$190.00} for a credit account.
Consumer complaint received 2018-08-15
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. (ND)

On XX/XX/2018 I sent Experian a letter requesting them to provide me with an originally signed consumer contract for XXXX inaccurate accounts which do not belong to me from ( 1 ) XXXX XXXX Account, ( 2 ) XXXX XXXX Account and ( 3 ) XXXX XXXX Account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Experian is required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts Experian posts on a credit report. On XX/XX/2018 Experian signed the return receipt. On XX/XX/2018 Experian sent me report # XXXX with dispute results which clearly shows they are continuing to report unverified accounts which is against federal law. They have failed to provide me with a signed consumer contract. 

I have attached a copy of the letter Experian received dated XX/XX/2018, the signed return receipt dated XX/XX/2018 and the updated Experian credit report # XXXX dated XX/XX/2018.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX : XXXX XXXX XXXX has or obtain and committed fraud by running or running an Inquiries with out my consent as on XX/XX/18 on my Equifax report with out my permission as well I have not ask or requested any credit from this company or sign any document to obtain credit.I 'm also filing with the department of justice on XXXX XXXX : XXXX XXXX XXXX and Equifax with the department of justice to why my credit is effeted by Equifax/XXXX XXXX : XXXX XXXX XXXX Will also be filing a law suit on this company and Equifax for fraud
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2018.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MA)

I requested a debt validation after I received a letter from this debt collection agency. All they sent was a bill with no signature or proof that it was my debt. The bill is in the amount of {$640.00} for a cable bill.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had made a purchase at XXXX XXXX for {$1000.00} on XX/XX/2018. I had returned the item immediately to them and XXXX 's took a long time processing the refund, but it was processed on XX/XX/2018. During this time I had made a payment. Interest had accrued and was not posted to my account until after that. Based on {$8.00} interest, It was reported to my credit as a late payment. I was not made aware that I had a balance on my credit card for {$8.00}, and I should have been notified before it was reported to my credit agency. This is ruining my credit score.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2020-07-31
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2018-08-15
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. (TX)

Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.
Consumer complaint received 2022-03-09
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. (OH)

I have already reported this account with incorrect information : Each time I dispute the info the credit agency and creditor add 's a new Charge Off indicator to the recorded : The Account 1. Is too long to be on the report due to its age 2. Charge off indicators for XX/XX/XXXX and XX/XX/XXXX must be removed and should not show as Charged Off each time I make a dispute 3. Open date for the account is incorrect 4. Trade does not show account was Tranfred and Sold : REMOVE THE TRADE LINE AS THE INFO IS NOT CORRECT and Keeps getting updated with incorrect information :
Consumer complaint received 2018-08-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (WA)

I purchased my XXXX XXXX in XX/XX/XXXX The original loan amount is XXXX with 11.90 % interest. I have been late a few times and used the deferment option. However starting in XXXX of last year I noticed payments not being applied to my account or not appearing to make a difference in the balance. I reached out to XXXX and was told that sometimes money orders sent in take longer to be applied. It is now XXXX and I have sent in 5 money orders and paid several ACH payments or debit card payments. I should not only be paid in full I should be covering some of the late fees. However instead I see no payments on my account, they now have a repo company calling me and threatening to take to me to jail and the company ( GM ) is calling my family and work disclosing personal information. They call me up to 30 times per day from XXXX XXXX   ( I am on pacific time ) to XXXX XXXX  at night. 

So in short they are violating the law by threatening me, releasing my personal information to family and work and trying to take my car when it is paid as agreed.
Consumer complaint received 2018-08-15
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: Experian Information Solutions Inc. (NJ)

Experian continues to report 4 collection account that do not belong to me & refuses to further investigate the disputes. Since these accounts do not belong to me & are damaging my credit due to Experian negligence & must be deleted from my report immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX
Consumer complaint received 2022-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I have fallen behind on some of my debts. However, there is no reason that Commenity Bank ( phone number XXXX ), should be calling me 5-6 times per day everyday. I am aware of the FDCPA laws that collection agencies must follow. Just today ( XX/XX/22 ), I have received 3 calls before XXXX. The calls came in at XXXX, XXXX, and XXXX. These are clear violations of FDCPA and is HARRASMENT. I have attached below a screen shot of the calls on XX/XX/22 that came in at XXXX and XXXX.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I submitted a complaint with you. My main complaint is that the only documentation I received state " This communication is from a debt collector but is not an attempt to collect a debt. '' The collection agency even provided you with the same documentation. If they are not trying to " collect a debt '' then why did they call me incessantly for over 15 months? If they are not trying to " collect a debt '' then why did they report me to the credit bureaus? If they are trying to collect a debt, then they can send me a request to pay the debt.