davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

In XXXX, 2022, I notified XXXX XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that XXXX had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, XXXX cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the XXXX call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from XXXX and an independent collection agency. I also received a notice from XXXX that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called XXXX to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a XXXX branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 XXXX late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from XXXX. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the XXXX XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of XXXX.
Consumer complaint received 2021-04-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX. 
I had some issues with my income being affected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. CAPITAL ONE AUTO FINANCIAL # XXXX account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This debt for {$14000.00} is for Capital One Bank. No date is given as to the debt. The collection agency is XXXX XXXX XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods. 
Thank you.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a credit account holder with Bank of America Visa. I have made earlier complaint on about XX/XX/2022 to CFPB regarding this matter. 

I would like to notify that Bank of America has yet to cancel the disputed charges, and is still now permitting additional fraudulent charges to accrue. I have received one telephone call, directing me to phone them at ( XXXX ) XXXX XXXX from a XXXX XXXX at extension XXXX however this number again refused the extension number I was given in a voice message. I am extremely concerned by the refusal to acknowledge my clear notifications of these fraudulent charges. 

This practice place me in an impossible position, as I can neither discuss this with Bank of America or stop the charges. I have sent another certified letter to Bank of America with this same complaint.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (ME)

Dear Sir/Ma'am : We bought our car on XX/XX/XXXX. We financed our car with Ally Bank for 72 months. One year latter we had a Chapter XXXX bankruptcy. We were not told if we didn't reaffirm our car loan that it would ruin our credit. To make matters we thought we could eventually drop our gap insurance as many payments would catch us up to the cars value. On XX/XX/XXXX we were told that if we we dropped our gap insurance, that that Ally Bank would not let us lower our bank payments by {$25.00} to {$37.00} as expected.Ally Bank told us they would probably just keep the extra cash against our wills. In our opinion this over reach on the banks behalf. Thank you for your services. XXXX and XXXX XXXX
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MA)

I have been in contact the the merchant ( XXXX ) three times since they have received my property that i have paid for and is now sitting in a warehouse. XXXX keeps telling me they will send me an email when the return is processed. XXXX has a histoy of not honoring returns and providing refunds which is why I contacted American Express Serve. 

I called American Express Serve ( American Express XXXX XXXX ) on XX/XX/19 to start a dispute in the amount of {$250.00} for an item that was returned to the merchant with Signature Confirmation on XX/XX/19. 

American Express is telling me that they are unable to open a dispute for 30 calendar days. 

I simply want my partial refund back.
Consumer complaint received 2022-07-21
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: TD BANK US HOLDING COMPANY (FL)

received two un solicited inquiries through XXXX one from TD Bank in XXXX XXXX ME nd one from XXXX XXXX XXXX in XXXX XXXX TX on XX/XX/2022. Reported incident to XXXX nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (VA)

I am currently on the Income-Based Repayment program with my lenders ( XXXX, XXXX XXXX ) regarding repayment on my federal student loans. Due to my large amount of financial obligations for private student loans, my payments have been very low, approximately $ XXXX/month. Now Nelnet has increased my payment over 8 times to $ XXXX/month. 

I can not afford these payments and this new payment schedule does not accurately represent my income nor does it make it easy for me to repay a loan that I can not afford. 

I was not able to find a well paying job and recently my income dropped substantially when I changed employers. 

I need help. XXXX does not wish to assist me with this and so I am filing a CFPB complaint in the hopes that my IBR gets adjusted so that it accurately reflects my current income situation. They believe that my income is much higher than it is because XXXX is not considering private student loans which is a mistake that XXXX XXXX does not make.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am a victim of identity theft. Several accounts at XXXX XXXX were opened in my name without my knowledge, authorization, or approval. I disputed these accounts and after an investigation, several of the accounts were removed from my credit report. There are two accounts that remain that were associated with the same fraud. These accounts are XXXX and XXXX. I am attaching a copy of a letter from Portfolio Recovery regarding one of the other accounts removed that was part of this identity theft. The accounts in this complaint are a result of the same identity theft.
Consumer complaint received 2022-12-14
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (WI)

I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX but they ran my credit through numerous companies. these are the inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Consumers Inc (TX)

I have tried numerous times since XX/XX/2019 to make payment arrangements with this company. each time, the representatives are extremely rude, raising their voices and hanging up on me. I offer to make payments and they refuse to accept the amount that I am trying to give, even though I tell them that what they are asking for will put me in a tight spot. I find this to be very abusive and degrading. 

The first time I called, I asked if I can make payments online. I was told that they do not have a way for me to make payments online. and, even if there was, they will not honor any payments that I make because I am not " approved '' to make payments. 

The second time I called, I was over-talked, yelled at, laughed at and was told that there are no supervisors in the company. Then when I demanded that there has to be someone overseeing the office, I was just transferred to a different rep who laughed at me and told me to call back in the morning if I want to speak to someone else. 

The last person I spoke to on XX/XX/2019, who said she was a " supervisor '', implied to that I do not keep my word and that I do not pay my bills. She lectured me telling me that I am in this situation because I can not be trusted to keep my word. Then she tells me that, even though I made several attempts to make payments, it is my fault that no payments have been made and that her Company requested a lien on me because of it. She over talked me and raised her voice and then, because I told her she was making assumptions about my situation, she yelled to me that when I am " ready '' to pay {$800.00} a month, to call back. Then she hung up on me!!!!
Consumer complaint received 2019-09-22
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)

On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IN)

I have been working with the XXXX XXXX XXXX to pay my past due mortgage balance. They submitted payment on XX/XX/21. This has not been applied to my account. My mortgage is held by XXXX XXXX XXXX XXXX and serviced by XXXX. I have contacted the servicer regarding the missing payment and incorrect mortgage statements. I called on the following dates and spoke to representatives and the statements still haven't been corrected. XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I have spoken with the servicer seven additional times in XXXX in an attempt to have them respond to the XXXX XXXX XXXX. They provided then Program with an incorrect monthly payment amount and still have not corrected this information. My loan is still being reported as unpaid and past due. I have spoken to customer service, loss mitigation and collections. No one is able to take accountability or solve the actual problem. They do not return follow up calls even though they say they will
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

I paid off my loan with Nissan Motor acceptance on XX/XX/XXXX after receiving a payoff from their live chat feature. Two weeks later they requested an additional {$300.00} because of a lease disposition fee. I resisted but Paid to expedite my title release. I filled a complaint within NMAC the next day. The manager assured me I would receive a call with a decision about refunding the {$300.00}. A few weeks later I called again and asked about my refund and my title. I was denied even though they quoted me the total payoff amount and have a record of this in their chat transcripts. They also advised an error was made with the odometer statement. I corrected the error and have resent the form multiple times however every time I call for an update I'm either disconnected, placed on hold for over a hour or told it's still processing. I reached out to Nissan Consumer affairs who advised they are a separate entity and could not provide additional assistance. I have explained several times I just want to conclude our business and I assured them this will be the last time we have to conduct business. I can't seem to find anyone competent to finalize my transaction. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2023-02-10
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. (GA)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX XXXX XXXX {$700.00} - - -No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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.
Consumer complaint received 2022-12-14
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Medical Management, Inc. (NJ)

Recently a debt of {$3000.00} for a medical bill appeared on my XXXX report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. XXXX needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. 

There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX OF XXXX XXXX {$1800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX  XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}