davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
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: Bridgecrest Acceptance Corporation (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland credit has tried to repeatedly keep contacting me in reference to a debt that I have already resolved as a settlement and paid an installment. I sent them a letter to ceased and desist communication I received notification that they were not, and I explained that it had been paid as a settlement in installments only to be notified that I will be sued. Im still continuing to get phone calls and letters in reference to this and it even contacted the company who they are utilizing to sue me ask for a callback to show that I have proof of payments, and Ive yet to receive a call back from Midland credit manager is still harassing me And I sent the letter to them in writing, Asking them to cease and desist on all communication and they have not.
Consumer complaint received 2022-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (VA)

Hello I opened an auto loan with SunTrust bank in XXXX of XXXX. I have been making automatic payments with them ever since via ACH withdrawals. In XXXX of XXXX, they merged with BBT to form Truist. 

As of XX/XX/XXXX, the loan amount on my account has increased by {$290.00} and does not show the records of an additional payment that was made. 

The Truist web site shows no Statements or Receipts, just an account balance that has no reflection on the prior account balance communicated by SunTrust.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Hello, I XXXX XXXX, am filing this dispute for my self. After reviewing my credit report I am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report XXXX XXXX-account # XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.
Consumer complaint received 2022-03-02
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. (GA)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I was a victim of fraud, and my identity was stolen.

A copy of this letter, as well as copies of the three written letters sent to you previously, will also become part of a formal complaint to the Federal Trade Commission. It shall be used as evidence in pending litigation provided if you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information ( a consumer contract with my signature on it ) is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to DELETE all information that can not be verified promptly.

The law is very clear about the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 1XXXXXXXX XXXX XXXXXXXX 2-XXXX XXXX XXXX 3-XXXX XXXX XXXX 4XXXXXXXX XXXXXXXX XXXX 5XXXX XXXX XXXX 6-XXXX XXXX XXXXXXXX 7-XXXX XXXXXXXX XXXX  Thanks, XXXX XXXX
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAVY FEDERAL CREDIT UNION (VA)

I had a navy federal credit Union account from XX/XX/XXXX to approximately XX/XX/XXXX. They would regularly contact mycommand anytime I was past due and prevent me from accessing my account online. I saw they were ordered to pay reparations for these actions and am trying to file this complaint to receive mine.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Ive tried to dispute the debt on the credit bureaus as I have no knowledge of debt. I have sent a letter to the collection agency asking for proof of debt or a contract as I have no knowledge where the debt originated or what they are trying to collect the debt for. As of yesterday my letter was rejected and sent back. I sent the letter inquiring proof to the address listed on my experian account. I am now questioning if the company with this alleged debt is a real one.

Accroding to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This alleged debt is tuning my credit score unfairly may I add because I had zero knowledge of a bill for it to even make it to a collection.
Consumer complaint received 2018-05-07
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. (NJ)

Sears closed my account with out any notification to me prior to closing the account. 
A week before my card was due to expire, I called customer service and ordered a new card. 
They never mentioned the account was closed. 
The new card arrived after my account was closed with out my knowledge. 
When the new card arrived with the expired card date I called Sears Card Service. 
That is when I was told the account was closed. 
I had a very large amount of rewards points that disappeared when the account was closed. I demanded that they be returned. They quoted me that the request had to be made with in 60 days of the account closing. I was calling less than 1 week after the account was closed, well with in the 60 day period. 
I spent many hours on the phone between three different areas of the credit card company and also the rewards management company. 
They all stated they would follow up with the proper people necessary to restore my rewards points. They lied. That never happened. 
The rewards points have a cash value and I want them restored. 

Now I have another problem. 
I went in person to a Sears store to make my last payment. I now have no valid credit card but, I did have the bottom portion of my statement with my account information. 
I made a {$300.00} payment to the statement that was mailed to me 0n XX/XX/18. 
This week in the mail I received two statements.

One statement has a late charge and no payment shown. 
The other statement shows a {$0.00} balance with a {$300.00} credit. 

I am completely frustrated trying to deal with these people and need your help please. 
I have been trying very hard to restore my good credit rating. This company seems to be doing everything possible to help destroy my credit. 
They are also very dishonest as they promised that my rewards points would be restored. That never happened. No one ever bothered to follow up with my request.
Consumer complaint received 2022-03-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC (SC)

Fact, the fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized, and my fourth amendment right has been violated so be it. I XXXX XXXX entered into a consumer credit transaction with Selene Finance XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance Charge is supposed to include insurance, but Selene Finance made me purchase insurance separately. XX/XX/XXXX, we sent in a negotiable instrument, affidavit of truth, directions on what to do to discharge the debt. It was accepted, and about a week later it was reversed saying that they can only accept certified funds. We were already sent a congratulations letter which I will attach. Since then, I've asked for a Set Off, however have yet to receive a response on that. I've had to pay insurance and property taxes out of pocket since then and have not been given what I have in escrow. We've spoken to numerous agents, with no resolution. Such conduct from Selene Finance has caused me to suffer severe humiliation, and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this debt.
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (TX)

Westlake Financial is the company I have the loan from and I recently found out that the loan term and the payments per month are not matching up. The total amount of the vehicle is {$19000.00} and on the first billing statement I received, it states my payments are {$520.00}, which I was told by the dealership was a 3 year ( XXXX ) term. Come to find out that it is actually a XXXX term ( 5 year ) with the payment at the same rate, which would add up to {$28000.00}. The vehicle has now been repossessed voluntarily because I didn't have the patience to deal with them.
Consumer complaint received 2022-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Like millions of Americans I was impacted by the pandemic. First by having XXXX twice XXXX, XXXX, XXXX and XX/XX/XXXX ( long Covid ) then by job loss, Spouse XXXX and vehicle maintenance. This issue have total devastated me. I have tried diligently to recover however on XXXX XXXX I was faced with a {$10000.00} car bill attached that added insult to injury on a two year old vehicle XXXX XXXX XXXX I have called every month since then asking for payment extension since my vehicle had been down since XX/XX/XXXX. Unfortunately, the reps at capital one have been unable to help me. 



I am not try to neglect my obligation. Im only requesting modification of my car loan to place the passed due amount to the back of the loan or a payment plan and the recent negative credit history kindly restored. I am able to make the current payment just like last month just not the pass due. 


I begging for leniency in this matter.
Consumer complaint received 2022-03-02
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. (FL)

XXXX*CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. 

Diputes : XX/XX/XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX services {$3700.00} Paid on XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX
Consumer complaint received 2024-05-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC. (NY)

XXXX XXXX filed for bankruptcy resulting in abandonment of treatment. When treatment stopped I stopped making payments to the creditor XXXX XXXX. The creditor used Health Finance Direct LLC as a payment processing service. My problem is that Health Finance Direct LLC is telling me that I still owe them money for my uncompleted treatment. I told them I will not be paying anything until the matter is resolved and there is a new creditor providing treatment/service. Health Finance Direct will still send my notices requesting payment. This needs to stop until the matter is resolved.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP (NY)

We are trying to sell our paid in full house. During a title search, a HELOC from XXXX with your bank appeared on our title search. This HELOC was paid and closed almost 30 years ago, but no discharge was filed with the county. 

I have attached the title search, along with my daughter 's POA so you can speak with her as she is handling the sale of the property. 

Section 1921 of NY Real Property Law says the mortgagee has 60 days to release the lien, or is subject to a {$1000.00} fine. If it takes 90 days, the fine grows to {$1500.00}. What's the fine for 30 years and causing us to lose our buyer?
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA Compass Bank forced Simple Bank customers to transfer to their bank - they have cutoff access to information on the Simple website and I am unable to access my BBVA account in any way. I have called several times and the customer service center reps say they can't hear us ( this has happened to mutiple people and is well documented on social media, including recordings of them saying this and hanging up ) and hang up after being on hold for over an hour. I still have no access to my account, the customer service center is actively rejecting any request for information, the Bank has sent no emails explaining the problem, and what they're doing about it.
Consumer complaint received 2020-02-01
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 filed a Chapter XXXX bankruptcy in 2018. It was discharged on XX/XX/XXXX. 

I had an account with XXXX and XXXX has refused, after multiple calls, to amend my report. 

They state the account was sold and they can not make any corrections. 

Which is interesting because the same account reflects my bankruptcy on both XXXX  and XXXX. 
However, my Experian file reflects closed, delinquent, sold to another lender ( in the comment section ). 

I considered that it is possible the other two agencies ( XXXX  and XXXX  ) actually updated my file and that XXXX may not be able to amend it's reporting. Although if they continue to report anything at all, it seems likely that it could be amended. Even still, I tried disputing it directly with Experian. 

After two unsuccessful attempts through their site, I called and explained my situation and was instructed to mail in the proof I was attaching to my disputes ; namely, a special form and my discharge order which includes the XXXX  account in question. 

I was told by Experian that a " live person '' vs an automated system would review the file. 

A few weeks later, I received a letter from Experian with the exact same verbiage as their site provided in response to my previous disputes. 

Basically, it said 'we investigated and found the information to be correct and no changes were made '. Not exactly, but that is the gist of it. 

Now, all of my other closed accounts reported by Experian reflect the bankruptcy, closed and a current payment status. 

I tried a couple more times through the website and now I am unable to dispute because I kept receiving the same answer and they disallow further investigation. 

I called again and my information was taken over the phone for the second time. They instructed me to send in the same information again, but said they would make sure to have it addressed. 

A few weeks later, I received the same generic and frustrating declination letter. 

At this point, I've considered having my attorney handle this because frankly, it is ridiculous and so much time has elapsed ( I waited over 12 months for the error to be corrected ) that i feel I have to take more aggressive action. 

I recently received a declination letter for an extension of credit due to delinquency on my Experian report. While there is a bankruptcy, there should be no delinquency. That's one of the few benefits of having your debt discharged. 

I want this resolved and I'd appreciate a sincere apology, and a process review so others do not have to take the same journey as I, but the last two parts are likely wishful thinking. I'll be satisfied with the correction.
Consumer complaint received 2018-05-07
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. (FL)

I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and Experian have removed them but XXXX has not. I sent a request along documents that prove the inquires were a result of fraud. XXXX has not removed them and I have been told they are unable to.