davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (AL)

ACCOUNT 1 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information on an account thats almost 8 years old. 
ACCOUNT 2 : XXXX XXXX, AMOUNT : {$530.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct but it inserted new information to include the original creditor ( XXXX XXXX ). Ive never seen this noted before. 
ACCOUNT 3 : XXXX XXXX, AMOUNT : {$250.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. 
ACCOUNT 4 : XXXX XXXX, AMOUNT : {$1400.00}, I initiated a factual dispute about the discrepancy in the reporting of this account across the 3 CRA. CRA did not correct the factual dispute. Yet, they claimed to have verified the account.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (VA)

During banking fraud on my XXXX XXXX checking account I discussed with XXXX XXXX XXXX customer representative that after my last payment I was no longer going to need service for the internet on XX/XX/XXXX they sent an email to discuss why I wanted to terminate my service with a survey. They agreed I was all paid in full and please send me a letter and what I need to do with the equipment. I never received the letter but my service was disconnected so I never used the system again. In XX/XX/2019 I received a letter from Joseph , Mann & Creed, a Collection Agency requesting {$78.00}. Without proper billing how do I know that is what I owe and how did XXXX XXXX XXXX arrived to that amount? I have been a customer for over 10 years and always received an email or statement.
Consumer complaint received 2019-07-23
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: BB&T CORPORATION (TX)

XXXX   continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` Regional Acceptance Corporation '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want XXXX  to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.
Consumer complaint received 2018-05-19
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: Experian Information Solutions Inc. (SC)

This company gave false information on their website on how they determine credit approval. It clearly states that they do not perform a credit check, but obtain banking information, and the ability to pay back, and that a social is not needed to apply, with that being said i applied, was denied, and that obtain my credit report which lowered my score, i submitted a dispute to Experian already, but would like the company to remove the HARD INQUIRY since they are the ones who accessed my credit report without my consent. Below is a email between me an a representative of the company : Hi XXXX, Thank you for your message. In the process of completing your application you gave consent for your credit to be pulled by us to complete the evaluation of your application. Because of this we are not able to remove the hard inquiry on your credit report. 

If you wish to dispute the inquiry you can make the request directly with Experian. 

Best, XXXX Team -- XXXX XXXX from XXXX XXXX 
Powered by XXXX  On Tue, XX/XX/2018 at XXXX XXXX, " XXXX XXXX '' XXXX wrote XXXX Please remove the hard inquiry Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX Application Processing XXXX wrote : https XXXX XXXX XXXX XXXX, Thank you for your recent application for credit . We regret that we're unable to approve your application at this time. Your request was given careful consideration and based on the information provided, you were declined for the following reason ( s ) : Did not demonstrate a sufficient ability to pay Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (CA)

We have been paying on this car loan since XX/XX/XXXX. We have overpaid by thousands of dollars and they agreed to not pursue any more charges on the loan ( 6000 something on a XXXX loan that started in XX/XX/XXXX ) and to send us the title last week on XXXX  XX/XX/XXXX at XXXX : XXXX XX/XX/XXXXPST. 

They claim we have paid late EVERY SINGLE TIME except for six times in the total of the loan, which is absolutely absurd and completely wrong. We have kept nearly every single letter they've sent us, including times they've claimed we haven't paid when we did and it reflects on our bank statement. From what we can tell, they charged us late fees if we paid ON the due date. Only time they didn't is if we paid 2-3 days before. 

This afternoon, ( XX/XX/XXXX ) I received a call from their number XXXX where the collection department person refused to give me their name or extension or employee ID number and where they threatened to XXXX XXXX  me or my husband if we refused for them to take the car tonight when they send a tow truck. They yelled at me when my children were noisy in the background and told me I was financially responsible to pay the rest off immediately. I ended up hanging up the call because they would not stop yelling and I refuse to be physically threatened.

I am giving Navy Federal a VERY short amount of time to get this resolved. I expect them to not collect another dime from us and to send us the title like was promised on XX/XX/XXXX at XXXX XX/XX/XXXX PST. 

After being threatened with bodily harm, we are done negotiating with Navy Federal and expect IMMEDIATE response to this or we will be suing them for emotional distress, for threats of bodily harm and for fraud. This is unacceptable and very traumatic. We will not stand for being threatened with bodily harm or lying about payment status, etc. Enough is enough.
Consumer complaint received 2019-07-23
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: Experian Information Solutions Inc. (MT)

I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am the consumer, natural person, and original creditor. Equifax/The Work Number shared my nonpublic personal information with XXXX XXXX  XXXX XXXX XXXX without my written instruction therefore causing me to be denied XXXX benefits. Pursuant to 15 USC, 1681b, Equifax violated had no permissible purpose to provide XXXX XXXXt XXXX XXXX XXXX with my nonpublic personal information. Pursuant to 15 USC 1681n, Equifax/XXXX XXXX XXXX willfully failed to comply with 15 USC 1681b which requires it receive written instruction from the consumer before furnishing my consumer report to third parties.
Consumer complaint received 2022-01-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (IL)

I had sent in a police report to XXXX for a auto loan that was the result of identity theft to all three credit bureaus. XXXX and XXXX removed the fraudulent auto loan from my credit report where my identity was stolen which was used to acquire a $ XXXX auto loan from navy federal in my name in which the thieves allowed the loan to go delinquent and leave me with a charge off after they used my identity. XXXX rejected my police report and opened a reinvestigation and haven't responded back to me with the results or even acknowledged the police report which provided all the information and there was no lack of sufficient evidence. I already spoke with the bank themselves and flagged all accounts as fraud and told them that none of the actions within Navy Federal was me.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (AZ)

This collection company sent me a fake American Express notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for American Express, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.
Consumer complaint received 2018-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I Recently reviewed my credit report and noticed i have more than a dozen reported late payments. In years past while I occupied the home for a very short time in XX/XX/XXXX at the time of purchase and the first few months of XX/XX/XXXX I in good faith made timely payments on the home. It was until after XX/XX/XXXX that I longer occupied the home due to relocation with my employer, XXXX XXXX XXXX XXXX. The situation at the time gave me very little time to find tenants as we no longer lived in the same city which in turn made it very difficult to rent out. As the months and years followed we came across tenants that would not pay on time or pay at all which resulted in the negative items. Being the only income for my family and living out of town it was my duty to take care of them first. My position in the line of work that i do does not allow for us to fall into such situations and can result in my question for suitability for employment. I tried on several occasions to see what the bank can do or assist with out it affecting my credit only to be turned down and advised that there wasn't much help for me. Due to medical reasons for my youngest daughter we were able to move back to our hometown and find a place to stay while we dealt with tenants. I somehow managed to catch up on the payments with my own savings but was still a difficult task. I do plan on keeping the property and have also since found reliable tenants that have not defaulted.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

My basic complaint with care credit i.e. synchrony bank is that they resolved the dispute in my favor in XX/XX/XXXX then continue to bill me and now they are saying they resolve the dispute in the providers favor - here is a synopsis : XXXX XXXX XXXX XXXX Care Credit Rewards MasterCard Account # XXXX XXXX XXXX initially opened a quality of service issue on XXXX XXXX, XXXX for the full amount of the charges because the XXXX XXXX received at XXXX directly resulted in her suffering and death. 

Documentation dated XX/XX/XXXX stated that the result was in XXXX favor. This also said they consider the matter closed. 

XXXX called Synchrony Bank on XX/XX/XXXX to confirm status of dispute and was told yes she would have a XXXX balance when the full amount was charged back to merchant. 

XXXX received a bill in XXXX from Synchrony Bank. Alarmed, she again contacted Synchrony Bank on XX/XX/XXXX, and was advised by a male who identified himself as a manager that yes when merchant was charged back she would indeed have a XXXX dollar balance. 

XXXX continued to receive bills from Synchrony Bank and calls from collections. She was grieving and these calls were very upsetting. When she explained to the call center workers, they told her the collections department does not communicate with the dispute department. In XX/XX/XXXX XXXX sent the letter from Synchrony Bank stating the dispute was resolved in her favor back with the bill and a letter asking them to communicate and stop billing and calling. The bills continued and Synchrony Bank stopped the calls at XXXX request. Because the bills continued, in XX/XX/XXXX XXXX sent via certified return receipt, the paperwork Synchrony Bank sent her back to Synchrony Bank, XXXX received two documents on the same day -- one dated XX/XX/XXXX saying they received her dispute request and that they would investigate. This was confusing. The other document dated XX/XX/XXXX said they had resolved the dispute in the providers favor. This was very upsetting. 

It appears that there was confusion because there was a misunderstanding regarding a refund the XXXX XXXX XXXX XXXX Hopsital made to the care credit account by communicating with care credit. 

XXXX sent a letter to XXXX regarding their desire to refund {$290.00} on XX/XX/XXXX by certified mail. I have enclosed copies of the envelope dated XX/XX/XXXX and the letter. 
This refund has absolutely nothing to do with the quality of service issue which the dispute was about. XXXX would like the resolution in her favor for a full refund to stand. She needs closure. XXXX died on XX/XX/XXXX.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (PA)

I am being constantly harrassed by a collection company, Diversified Consultant, collecting " XXXX ''. I remember briefly opening an account with XXXX approximately three years ago, maybe more. it was not a contract. It was for a landline. The service did not work in my home. So I immediately returned the equipment and cancelled my account. 

I just recently started hearing from them. By " recently '', they started contacting me a year ago. I explained to them the above. However, they constantly harrass and call me, even after I repeatedly asked them to stop. Also, I asked for some kind of paperwork from them and did not receive any. I do not owe this. It was reported to all three credit bureaus. I want it removed from my credit report. I want them to stop calling and harassing me. 

QUOTE FROM APPLICABLE LAW : Debt collector CAN NOT : Inappropriately call you. Collectors cant call at inconvenient times ( such as before XXXX XXXX or after XXXX XXXX ) or at work if you arent allowed such calls. 
Harass you. Harassment includes threatening harm or violence, using foul language, or calling repetitively. 

The above applies to the Diversified Consultant. I have documentation of their nonstop calls. I use my phone a lot for business and they have disrupted my work numerous times and compromised my work.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

BMW Financial Services charged me late fees for my monthly payments. I paid all the monthly payments and late fees. The late fees were paid afterwards but still NOT over 30 days late. However, BMW still went on to report it as a late payment to XXXX, even though ALL car payments were on time. 

This is drastically hurting my credit which I work so hard to upkeep. Why would I pay over XXXX per month in car payments, and even extend one extra month, and delay XXXX dollar late fees? 

Makes no sense. 

Any help would be greatly appreciated. 

Best, XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Under XXXX XXXX XXXX - permissible purpose of consumer report, Th LAW CLEARLY STATES : ( a ) IN GENERAL + Subject to subsection ( c ), any consumer reporting agency may furn a consumer report under the following circumstances and no othe ( XXXX ) In accordance with the written instructions of the consumer t whom it relates. 
Did I give you written instructions to furnish this account on my cre report? 
Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( XXXX from a consumer credit report clearly states : ( a ) XXXX- Except as provided in paragraph ( XXXX ), XXXX " consumer report '' does not include- + ( A ) Subject to subsection XXXX of this title any- XXXX ( i ) Reports containing information solely as a transactio... 
experiences between the consumer and the person making the repcRts
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: URS Holding, LLC (NC)

After receiving a voice mail from a restricted number I called with the reference number and was told I was going to be charged with breech of contract and fraud for a loan from 2018 that only my ex husband could have done. They said if I couldn't pay right then on the phone in full it would be filed with the court. They could not provide information on ANY written notifications or anything only an email that's been closed for 4 years.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My credit card account is stating that it is restricted/closed. My credit card was fully functional then it somehow states there was fraud but there was no fraud on my account. Also they sent the notification in XXXX but I do not speak XXXX XXXXAlso I have a letter stating that an investigation was done on my behalf and was resolved in my favor on XXXX XXXX XXXX
Consumer complaint received 2019-07-23
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: SYNCHRONY FINANCIAL (NC)

I pulled my XXXX credit report and found SYNBAMERICAN EAGLE had pulled my credit without authorization on XX/XX/2019. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FMS Inc. (ID)

My credit report is showing 3 accounts with FMS that were paid on XX/XX/2019. I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019. I have not received my letters and they are still on my credit report showing the balances. I paid XXXX, XXXX, and XXXX on XX/XX/2019.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (TX)

I have tried to get refinancing with another lender but my XXXX situation is too poor. So then I was given option by the company that's trying to repossess the car to go to a local dealer and do a settlement/buy back and that the dealership could put me in another car with better monthly payments. I did that and the dealership did an appraisal and offered XXXX which is a lot better than the over XXXX I am arrears. I sent this offer to them. I waited to see what they thought. They obviously did not like the offer and I only learned that when I had to call. At first, they claimed that the offer was without pictures to show there were no damages on the body which seemed XXXX since a dealership would not offer that much if that was the case. I believe they just wanted pictures so they can located it and have it picked up! But I took the pictures and sent them and again nothing from them. After again calling them they claimed they accepted the offer and were sending me the agreement, etc and that I was to sign them. But all I ever got was another bill. I was fired and denied unemployment benefits in the most XXXX XXXX state that is Texas and it just got to a point I could no longer make the payments. I am working again but it will be a while before I can get caught up and them taking the car will not help. They claim that even if the car is picked up I am still responsible for payments and other charges which is extremely XXXX because if I have no car I can't get to work as a XXXX teacher  where I am not at XXXX location all the time or even able to take numerous buses to get to an assignment or buses at all as certain areas in the district don't have bus routes. If I can't work I can't start making payments again which is all I am asking them ... to just a suspensions of the payments I missed and just pay what I can now and build up my credit so that maybe I can either refinance or take out a short term loan to make up the payments I missed. Now XXXX car sales say that the offer was proposed so long again that the process would have to be restarted and the amount lower thanks to their ( XXXX XXXX XXXX ) vicious tactic!
Consumer complaint received 2015-11-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

I had an accident XX/XX/2014. The car was totaled. I contacted Chrysler Capital to find out how to handle the balance left over. I was told that there was n't anything due at the time. I tried several times to take care of this. I kept getting the same response. I moved in XX/XX/XXXX. Months went by and I did n't hear anything. Then I went to buy another car and the Chrysler account is reporting inaccurate information. I sent a letter to see if I could get this straightened out, but have n't received a response. I will pay the money I owe ( minus late fees ), but I would like the reporting to be cleared up. If I was given a total when the claim was completed, I would have paid it then.