davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$390.00}.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with XXXX   and Experian multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from XXXX stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from Experian. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told XXXX and Experian in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.
Consumer complaint received 2019-02-15
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: CREDIT ACCEPTANCE CORPORATION (AL)

I have a loan with CREDITACPT. 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  and CREDITACPT with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-02
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (FL)

RE : XXXX University / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XX/XX/XXXX . Semesters that were falsely applied ran from XX/XX/XXXX-XX/XX/XXXX. 
Pell Grant amount applied- {$3500.00} Stafford Subsidized Loan- {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : 1 Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts. 

Taxes were filed on a XXXX XXXX XXXX XXXX. 
XXXX XXXX University XXXX Filer Federal Identification no.XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XX/XX/2020 XXXX AM I PURCHASED A USED VEHICLE FOR {$39000.00} {$5900.00} EXTENDED WARRANTY XXXX MILES FOR 10 YEARS {$290.00} TIRE DISPOSAL ENVIRONMENTAL PROTECTION TOTAL COST {$45000.00}. FINANCE CHARGE WAS {$16000.00} AND MADE THE APR 23 % OIL CHANGE WAS NEVER DONE I NOTIFIED THE DEALERSHIP AND PROVIDED PROOF I ALSO PROVIDED DIAGNOSTIC OF THE DAMAGES THAT WERE CAUSED DUE TO THEM NOT CHANGING THE OIL AND I ACTUALLY PAID FOR IT TO BE DONE. I WENT TO THE DEALERSHIP SO THAT THEY CAN FIX IT SINCE I PURCHASED AN EXTENDED WARRANTY I WAS TOLD THAT I DONT HAVE ONE. THE DIAGNOSTIC THAT WAS PERFORMED BY THE DEALERSHIP SHOWED MANY PROBLEMS AND THEY TOLD ME THAT THEY CANT HELP ME. EVEN AFTER THE EXTENDED WARRANTY WAS PURCHASED.
Consumer complaint received 2017-11-12
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: HYUNDAI CAPITAL AMERICA (KS)

I purchased a new car from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful. 
By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years. 
The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed. 
I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.
Consumer complaint received 2023-01-10
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)

There is a mortgage account being reported on my credit report by XXXX, XXXX, and Experian that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.
Consumer complaint received 2023-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX, I entered the PNC branch in XXXX XXXX XXXX XXXX. I made a {$1000.00} payment to my HELOC. I paid the payment due and the remainder was to be applied to the principal. Instead they applied the full amp to the principal. I noticed.that the error was made and contacted the bank. That said no problem it could take 5-7 business days to correct. I looked today and they repeated the same issue. In addition they debuted my checking for the XXXX payment. Well, that brought my account below the minimum to avoid service fees.I was assured that everything would be corrected. In addition they have also charged the wrong interest rate. I te River a letter saying they would credit my account within 90 days I believe. This bank is unethical in its practices. The Funds Availability Act is also interesting at this bank. I made a deposit last month online and was going to be charged to use the funds before a certain date even though my check cleared. I thought at least {$220.00} of every deposit was to be made available and how can they charge me to use my money when my XXXX XXXX has already cleared my check. I want all of my monies due to me immediately and I want in penalties and damages due to me paid to me. This bank is operating as a predatory institution and I believe my rights as a consumer have been violated.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still XXXX XXXX XXXX accounts on my credit report with XXXX  and Equifax.
Consumer complaint received 2023-01-24
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. (FL)

When I checked my credit report, I found that part of the information was inaccurate. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally required amount of time. The following false information in my credit report must be investigated and omitted : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

XXXX  dispute removed a collections account after opening a dispute and the collection is removed but the company re-reports the information to my credit agency after removall. 

Name of collection agency : XXXX XXXX XXXX. 
Amount : XXXX Account : XXXX * * * Creditor Information - XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX Please help
Consumer complaint received 2019-02-15
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. (CA)

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB, please step up and delete these negative accounts asap. 

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 and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I incurred a series of fraudulent charges in XX/XX/2018. Immediately contacted the merchant as well as the credit card bank, Citibank, on the same day that it happened. Citibank immediately made a series of credits ( disputes ) on behalf of me. However, XXXX, the merchant, also issued credits at the same time. As a result of XXXX XXXX credits, Citibank re-charged the credits. The problem occurs when Citibank 's math is not correct. As a result, I contact Citi 's Security Analysis team and demanded and audit. The audit came back saying that everything they did was correct. In addition they sent me a worksheet stating listing all the fraudulent charges, credits by Citi, credits by XXXX XXXX and reversal ( charge ) of credits by Citi. However, the numbers that Citi do not match what I have on my statement. Specifically, there were 2 credits ( {$76.00} and {$78.00} ) that Citi claims was on my statement were actually non-existent on my statement. I have looked through the statement countless numbers of times and can not find these credits. In addition, there were 1 credit reversal of {$76.00} that Citi claims they charged, but instead in reality, my statement shows {$98.00}. So bottomline is I am asking for a difference of {$170.00} credited back on my account. I have contacted Citi numerous times. Some ended up with the agent not doing anything when they said they will. Some would ask me to wait and they will sort it out. Afterall, I can not reach the person that did my investigation, and talk to me where I can find the specifics that Citi has done. None of the other on the Security team is able to assist me since none of them have access. All they told me to do is wait. I can not believe an international bank like Citibank does things like these and get simple math wrong like these. In fact, they have fake and made up numbers they claim are on my statement which in fact is non-existent. I'm out of options now other than to file a complaint hoping something can be done.
Consumer complaint received 2018-03-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Cashcentral is trying to collect for a payday loan ( s ) from XX/XX/XXXX acct numbers XXXX  and XXXX. I have had the same phone number since XX/XX/XXXX. Instead of calling me they had another company call my brother in NY, 2500 miles away. My brother is almost XXXX years old and lives with my XXXX  year old mother. The only reason to call my family and not me is to harass them to intimidate me. When I call the bill collecter at XXXX the collector refuses to give me the name of the company, the address or a real phone number. They gave me an address as a XXXX XXXX in XXXX  CA. The address is a sham. I dont know the name of this company to even file a complaint. On my last call to them I spoke to the manager XXXX who said that based on the nature of there business they can not give me there address.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, I called and asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. I disputed the charge, the representative initiated a charge dispute against XXXX XXXX. 
The representative agreed to stop payments to XXXX XXXX. 

In XX/XX/XXXX I called and asked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. 
The representative agreed to stop payments to XXXX XXXX   and initiated a second dispute. 

In XX/XX/XXXX I noticed that the CC company was still paying XXXX XXXX. 
I called the CC company and told them to close the account because I have asked multiple times to have them stop paying XXXXXXXX XXXX but they kept letting charges go through ( this was the third time ) A third dispute was initiated. 

I had earned XXXX dollars cash back and ask them for the cash that is owed to me. The last time I asked was today, XX/XX/XXXX I want the cash back that I earned which totals {$500.00} In summary, I was forced to close the account because they kept paying for XXXX XXXX after multiple requests to stop paying XXXXXXXX XXXX. Because I closed the account they don't want to pay the cash rewards but I was forced to close because of mistakes made by XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. The account was closed in a panic because they kept letting payments go through despite agreeing to stop those payments.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lotane & Associates, P.A. (FL)

I have received multiple letters and phone calls from Lotane and Associates PA XXXX FL in attempts to collect a debt I settled in XX/XX/2015 for {$1000.00}. I've left messages several times with the office to no avail. I receive a notice every few months, more frequently at times, offering to settle the account. I've got a statement from the firm that the account was paid in full and a copy of my receipt of payment.
Consumer complaint received 2018-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

My loans were forcibly put into disaster forbearance by my student loan servicer " XXXX '' ( due to living in the vicinity of the California Wildfires ). Within minutes of receiving the email notification I called them to find out what it was about. During that initial call, I was transferred to someone else to have the forbearance cancelled and removed. I was told it would take a week or two for the forbearance to be removed.

Two weeks later, the forbearance still had not been removed so I emailed them to ask about the status of my loans. It has now been a full month and I have received no communication and my loans are still in forbearance.

As a result of this forbearance I have lost my interest rate reduction which is provided on the condition of continuous automatic payments. While my loans have been in forbearance I have been aggressively paying them down to offset the interest rate increase that resulted from this predatory behavior on the part of my government and loan servicer.

I was in no way affected by the Wildfire Disaster and I am now being financially punished despite my honest efforts to avoid this forbearance and continue paying my student loans on their regular schedule. My credit score has also dropped significantly as a result of this behavior despite the fact that by every imaginable indicator my financial health and credit worthiness improved over the last month. The rule stating that student loan forbearance should not or does not affect your credit score is clearly simply not true.

This is predatory behavior by my loan servicing company and it is an absolute travesty that the government can force disaster forbearance on anyone in a geographic region without any input from the persons affected. I don't need your help and I will not allow my student loan servicing company to make windfall profits on the back of " disaster '' assistance.

How many hundreds of thousands or even millions of people in XXXX XXXXs are getting bilked at higher interest rates this month because of this unilateral action by the student loan industry?
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

XXXX XXXX has sent my wife and me multiple debt letters. See attached.

The letters are defective in the following ways : 1. No patient name. In our family are : my wife, son, daughter and myself. The letters do not indicate who supposedly received the medical services in question.

2. No date of services. The letters do not have the date ( s ) that the services were supposedly provided.

3. No description of the services. There is no statement of what kind of medical services were provided.

4. No name of doctor ( s ). The letters do not indicate the name ( s ) of the physician ( s ) providing the services.

There is no way from the XXXX bills we can ascertain the reasonableness of the demands for payments.
Consumer complaint received 2018-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

OnXX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX XXXX XXXX   had been re-inserted an account on my credit file after it had been previously deleted. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Furthermore the company even tried changing it's name as I noticed between XX/XX/XXXX and XX/XX/XXXX, the creditor name on this account was changed from XXXX  to XXXX on my Credit Report. I have attached a screenshot.