davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (IA)

I first purchased a car with low credit score I paid on that car every month on time for a year the company that sold it to me knew there was something wrong with it and sold it to me anyways well that company owns the finance company who gave me a high interest rate when the car was totaled because of the problems my insurance and the gap insurance paid off the vehicle plus the money I have been paying every month in total I paid too much because if the car was paid off three years early why did I pay the full amount of the whole term why didnt I get my tax title license why did XXXX get my packages that I purchased for the car back nothing I received nothing so they got paid too much money I receive nothing then I get another car from them with no money down because the first one was totaled they never ran my credit they just gave me two point better score than the first time the first car it was at 21 % interest second car 19 percent interest So originally I was XXXX Everything said and done XXXX when everything said and done at the end of the term Im gon na be paying {$35000.00} for a car thats worth {$4000.00} right now bluebook but they wont fix the interest rate even though they didnt run my credit even though my score was 150 points better than the previous vehicle I dont feel like thats fair I think is unjust and its probably breaking several violations and laws The car was purchased to XXXX XXXX  which is the sister company of Bridgecrest which I believe owns the gap insurance company all are owned I believe is the ugly duckling corporation
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Affiliated Acceptance Corporation (TX)

Affilliated Acceptance is a collection company that had tried to contact me in order to have me pay a debt that I was unaware of, thanks to having a gym membership that charged to a card that was closed for fraud activity. I had also cancelled said gym membership. Despite this, the gym continued to attempt to charge me for several months ( without contacting me for anything ) before finally pushing to collections through A.A. This collection company never reached out to me about this entire process. They never tried contacting me via mail, or phone or email, for months, until I found their account on my credit report months later. Upon notice of my outstanding debt, I called them that day, and I paid it on my next paycheck. After speaking to the company about why I was never notified about why I was never contacted regarding this debt, they explained that they had the wrong email address for me ( they had put the letter " XXXX '' instead of the letter " XXXX '' ) and all contact was sent to an email that was n't mine. Before this event, I had never missed a payment on any account, and had a perfect track record of on time payments. My score dropped substantially, and all of my financial plans have been brought to an abrupt halt.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

EQUIFAX is the company. 

They have confused my identity information and blocked the credit profile with them and noted it as a fraud alert. I started XX/XX/XXXX calling, speaking to people, faxing, and mailing. When we spoke to Equifax on XX/XX/XXXX and they told me all we needed was to create a profile with them which I did with them. Then on XX/XX/XXXX when our mortgage company said the problem was not fixed I spoke to Equifax again and they told me to send a cover letter, copy of license, and copy of social security card. I first faxed them the required documents to verify my identity XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We mailed the paper work XX/XX/XXXX regular mail and sent it certified mail that arrived XX/XX/XXXX @ XXXX. Weve called countless times throughout this time to verify that they received it these documents and to find out when they would resolve it. Weve had their employees say that they were still waiting on the documents and others saying that they did not have them after they told us they did and after it was sent certified. Weve also tried speaking to supervisors but they also been just as unhelpful in resolving this frustrating issue as we need this removed to buy a home.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio had a debt from a XXXX credit card. It was referred to an attorney XXXX XXXX XXXX  who accepted payment on behalf of their client ( portfolio ). The original balance was {$5600.00}. I settled with a payment for {$3900.00} on XX/XX/2018. I spoke with XXXX XXXX at XXXX ext XXXX. XX/XX/XXXX states that once the account was paid it would close with them then turn back to portfolio to close the account. I asked if they would delete the collection from my credit report. She told me they would. I asked this question twice. To which I was told twice once paid the collection would be deleted. 

Now the balance on my credit report is showing the payment I made. It is not showing a XXXX balance. It is also still showing as open collection. 

I contacted portfolio by email to which they have not responded to me. 

This matter needs to be fixed. I have the recording of where the associate told me the account would be deleted. A lawsuit will be filed against portfolio of this matter is not resolved.
Consumer complaint received 2015-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (VA)

I am writing to dispute the following information in my credit file. There is a collection account on my credit report in the amount of {$110.00} XXXX charge off/past due ). This charge is associated with my old XXXX account, # XXXX. Throughout my entire two-year contract, it can be seen that I never missed a single payment and all payments were set for automatic payments. 

Before moving in XXXX 2015, I successfully closed my XXXX account and returned all of the equipment. I then opened up a new XXXX account, # XXXX. Again, with this new account, it can be seen that I make all payments on time, in full, through auto-pay. 

I am requesting that the negative collection account charge of # XXXX be completely removed from my credit report as it has been paid in full and that I am in a good standing consumer relationship with XXXX. 

I am only XXXX years old, and because of this erroneous error charge, my credit score as severely decreased, causing me great financial harm in the future. If this error is not corrected and erased, I will have no choice but to bring legal action through my lawyer as well as through the Federal Trade Commission via my XXXX XXXX XXXX XXXX, our current Maryland United States Senator. To whoever is reading this, I plead that you help me in getting this charge removed.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D. SCOTT CARRUTHERS (CA)

On XX/XX/XXXX my father received a call from XXXX he was questioning about my where abouts and where I lived at. He told my father that was offering a job and was trying to get general information about me. I dad finally realized that this was not an employer and told him to stop calling he. He then began to hostile and my father hung up. 
The same number has contacted my mother more then 10 times  through out the day between the hours of XXXX-XXXX. He has threated her and told her that if she does not provide information about me he will pursue legal action. on numerous occasions my mother has told him to stop calling and harassing her. He called again on XX/XX/XXXX at XXXX and has threated her and harassed her. 
on XX/XX/XXXX at XXXX he contacted my work spoke to a student assistant and demanded to know if I worked there and the work site address. The student assistant provided the worksite address thinking it was regards to work. The phone call was transferred to my desk, and I explain XXXX XXXX XXXX to stop harassing my parents, sibling and friends. That my parents will be will be calling the police department in regards to harassment. I told him to stop calling me and hung up. 

I'm not sure who this person is, he is falsifying and pretending to be someone an employer, just to get information on me. It has been over a year and he continues to harass me. It has gotten to the point that he has contacted my employer. This is unacceptable. 

XXXX XXXX XXXX XXXX, XXXX XXXX is the information I have on this person.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

XXXX XXXX XXXX  has and is currently using abusive, harassing language almost on a daily basis. They have gone as far as to use other phone numbers, names and other telephone numbers in order to disguise who they really are. When they call they never leave a message and or when you answer there call they immediately tell you they are going to sue you. 
Other telephone numbers XXXX XXXX XXXX has used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and there are a few more. This doesn't appear to be a reputable, or honest company. 
They persistently call 5-8 times a day, and even on Saturdays and late evening Sundays at XXXX. On Saturday XX/XX/2018 at XXXX they called. They will call never leave a message. The few times I have answered they will never identify themselves and or will start telling you that their going to sue you and take you to court. The only reason that I know it is Portfolio Recovery is my caller ID on my phone will pick up their name. 
They are using illegal measures to collect on things that I have no information about. Debt that I am not aware of. Several years they did take me to court trying to say that I had never paid a credit card off when in fact I had. When it went to court the judge removed their claim citing that I had a receipt for the amount owed. They are criminals, that lie and abuse the law!
Consumer complaint received 2018-09-11
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (PA)

AES is being deceptive on their stance that they are not breaking the law while maintaining that they're not harassing me when they make daily phone calls because an account is delinquent. 

Pennsylvania Fair Debt Collection Practices Act 2270.4. Unfair or  deceptive acts or practices. ... ( 4 ) A creditor may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. 

*indicates that an event or similar event in nature has occurred ( i ) The use or threat of use of violence or other criminal means to harm the physical person, reputation or property of any person. 

* ( ii ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

( iii ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( a ) ( 3 ) of the Fair Credit Reporting Act ( Public Law 91-508, 15 U.S.C. 1681 et seq. ).

* ( iv ) The advertisement for sale of any debt to coerce payment of the debt. 

* ( v ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 

* ( vi ) Except as provided in paragraph ( 1 ), the placement of telephone calls without meaningful disclosure of the callers identity.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX for double dipping.
Consumer complaint received 2019-03-29
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: Experian Information Solutions Inc. (TX)

I have contacted Experian five ( 5 ) times to correct an inaccuracy that is reporting on my PAID subscription for credit monitoring with Experian. I opened several tickets with them and the last ticket number being XXXX. I am including the proof attached. You will see that Experian is reporting that I was recently late on a payment and showing that this late payment was made eleven ( 11 ) months ago and that is incorrect. There are only two accounts in my report that were ever late and it was more than five ( 5 ) years ago. In fact the account that Experian is referring to was charged off more than six ( 6 ) years ago and and slated to be removed under the Statue of Limitations on XX/XX/2020. This inaccurate reporting showing I was late eleven ( 11 ) months ago is inaccurate and is damaging my credit score. This is causing me not to obtain a home loan and this is illegal according to the FCRA. Inaccurate information is mandatory to be corrected. I am including and highlighting where in fact that Experian has refused to correct this inaccuracy. I demand under the FCRA that this be corrected. I have attached a 3 page Summary and  on the last page of the attached shows 11 Months ago a late payment was made. I have also included my full credit report that show only two accounts ever late and both are more than 5 years old.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc. (IL)

On XX/XX/2021 I purchased a refrigerator from American First Finance in the amount of {$1400.00} thru their rent to own lease program. On the day of delivery, it was returned to the store because it was the wrong size for my kitchen. I contacted the store to cancel my order and refund the deposit. The store associate directed me to contact AFF customer service. I was told by their customer service associate the account would be closed and I would no longer be billed for the refrigerator. 

I'm still being billed after several attempts to resolve this matter, American First Finance has been sending harassing calls, bills, and have placed the account on my credit report. 

The attached rent to own lease contract states the return policy.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WSFS FINANCIAL CORPORATION (MA)

I had been working with WSFS bank for a mortgage since the last week of XX/XX/2020. I went through all the processes, submitted all documents, got approved for conventional loan, and my closing date is XX/XX/2020. My attorney, realtor and I submitted all the documents on time and we thought everything was fine. 

One week before the closing date, the loan officer couldn't submit a document on time to the buyer and seller attorney. She claimed she needed master insurance, which my attorney sent her one month ago. My realtor needed to extend time to submit this document. Otherwise, the seller could take all my deposit and cancel this purchase because I missed an agreement. Then, my realtor found out that this loan officer screwed up the process. Loan officer said this unit showed on XXXX as a townhouse, not condo. But my attorney sent her a deed which shows this unit is a condo. Basically, the loan officer worked on my unit as a townhouse instead of a condo. She started the condo questionnaire process 5 days before the closing date. I was telling her my rental apartment lease will end by XX/XX/2020 and I can not extend because there is another tenantwill move in. I and my realtor were reminding the loan officer that I will have no place to live and keep my stuff if it's delayed so long. The loan officer kept saying everything will be fine, tried to book a closer date and time, and let me sign all the paperwork for closing. 

In the morning of XX/XX/2020 which is a day after the closing date, the loan officer told me my mortgage got rejected because of a lawsuit. She got this lawsuit document 1 month ago but she never said anything until a day right after the closing date. I called the bank because I want to talk to her supervisor but it's really hard to reach them and they took 30 minutes to find my mortgage. Call centertransferred me to her supervisor. I was told they will reach out for my case and call me back. I got a call from my loan officer to apologize. But no solution or responsibility for my time, my risk on deposit, my moving, my place to live and my place to work from home. 
I'm supposed to stay in the new place already. But now I need to rent a hotel, rent a storage room, negotiate with the seller, find a new lender and start doing all mortgage applications. This is beyond bad experience with WSFS bank. They don't have responsibility and throw on the street to figure out their mistake.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX File XXXX Citi fraud team texted and call me about unauthorized fraud transactions and closed and replaced my XXXX account ending in XXXX Citi bank lied my card was lost or stolen where as some one from citi bank leaked my XXXX information to unauthorized person. 

Status Date Description Amount Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} Cleared XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX   {$23.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$11.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$79.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX   {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$78.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$77.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$75.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$69.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX {$21.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX  {$20.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}
Consumer complaint received 2018-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

An extended protection warranty was purchased on a XXXX XXXX XXXX purchased in XX/XX/XXXX when the vehicle was purchased from XXXX XXXX in XXXX, Florida for the amount of {$1800.00}. I recently traded the XXXX XXXX XXXX in for a new XXXX XXXX XXXX, my XXXX XXXX trade had less than XXXX miles and was still under the factory warranty. 
I then was requesting my refund back from the extended warranty and found that the extended warranty which costs {$1800.00} was prorated back to the day I purchased the vehicle even though the extended warranty was not used nor took effect. Out of the {$1800.00} I only received XXXX refund and this is just plain old robbery of the consumers! 
I called and met in person with the general manager at XXXX XXXX and my complaint in essence fell on deaf ears! I also called XXXX XXXX XXXX , XXXX which is the holder of the extended warranty and same just fell on deaf ears! My feeling is that the CFPB should look into this ripping off of the consumers and this needs to be fixed!
Consumer complaint received 2015-07-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Back in XXXX or XXXX I filed a compliant in ref to my mortage company Slect Portfolio Servicing, after the complaint was filed thatnks to you 's I was able to get a modification with was suppose to tart new payments on XXXX XXXX, According to them they sent me some papers in which needed my signature and I was suppose to fax and mail papers back to them, according to them those papers were sent and they were calling to se if I had fax & mail them back to them, I explained to Rep that as of that day I had n't received there papers rep informed me that they will send new papers out and that as soon I received them I was suppose to fax & mail them back to them, papers arrived 6 days later and as I was told they where sign, fax and mailed a couple of dayslater I received a call from them I which I was told that paper work was not received and they want to know why, I explained to rep that papers were sign, fax and mail and according to them they had not received them I told rep that I had made copies and that I will refax and mail my cpies to them she stated that they will arrive late and that she will see what can be done but that since it was just XXXX days later she did n't think it would be a problem she will let me know.I waited a couple of days then I received a call from them letting me know that nothing could be done if I wanted they could send me a new set of papers so I could start from scrath and see what happens a couple of weeks ago I received a letter from the court stating that my home once again was in foreclosure again and the date will be XXXX, I received their paper work I completed it mail it express mail, I received a call and was inform they had received papers but that they can not submit a hold on the forclosure because papers have to be reviewed and then they can submit a hold, I take responsibility for papers being later due to the fact that they were sent to me late but what am I going to do now, my case # was XXXX.Please let me know what can be done now to see how can this be fit.Thank you XXXX Bless