davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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. (FL)

On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing 31-60 days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.15 U.S.C. 1681. And they are violating 623 section 3 and 8. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green Square Company LLC. (OH)

On XX/XX/XXXX I received a voicemail from PRG regarding a civil matter and a claim in imminent default. Was unable to ascertain name of individual that left message. Phone number left was XXXX. 
I called number back and was told this was a debt from XX/XX/XXXX in the amount of ~ {$570.00}. I asked to receive some verification of the debt, and was told that PRG does not have this information. I was transferred to another representative, a XXXX XXXX the " Settlement director. '' XXXX seemed to be confused as to why I could possibly want the debt verified, and proceeded to verbally badger me about the " type of person '' I am, and that they do not have the information. 
I repeatedly asked to have some written verification of the debt, and was told flat out " no. '' I then told the representative that I did not want to be contacted anymore by them, and was told " no '' to this as well. 
I repeated that if they were not going to send me any kind of verification of the debt, that I did not want to be contacted by them again. I was told no, they will keep calling until they get their money. 
Very rude and seems super illegal. Isn't this what the fair debt collection act was supposed to help with? Just a simple XXXX search of " PRG Collection '' shows multiple complaints. Can something be done about these rude con artists?
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (GA)

i have 2 Late Payment With 2018 XXXX XXXX Account since Covid 19. 

no i do not have late payment but i still see a 2 late payment on history also made a late fees. 

and currently account is up to date
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WI)

After receiving a decent sized tax refund via direct deposit, I attempted to withdraw {$1000.00} to purchase an old car. The ATM declined the transaction due to a daily withdraw limit, so I called the bank 's hotline and asked if they could please let me have my money. They refused. I spoke to a supervisor, who also refused to let me have my money, and then lied and said I could get a cash-back transaction to get around the limit. I tried this solution, and it didn't work. 
I was finally able to get the cash out by very helpful staff at the local XXXX who used a few tricks to make a money order drawn off the debit card. 

The next week, the same thing happened again - and once again, they refused to allow me to access the cash via ATM. I went into the branch and asked them what on earth was going on. They gave me the cash at the teller window, and then told me that they weren't going to allow me to withdraw more than {$300.00} a day at the ATM no matter what my account balance was because of too many overdrafts the previous year. I'm not talking about allowing a cash withdraw when there is no money in the account, that's ridiculous. In this case, I had several thousand dollars in the account and the bank would not let me take out more than {$300.00}. This ISNT a credit card, it's my money, in my bank account. Wells Fargo NA is refusing to allow me to access my own money.

Note that I don't routinely withdraw {$1000.00} from my account multiple times in one year, this was a rare circumstance where we were helping two family  members purchase cars so they could get to work and we also had to put a down payment on a larger car for our own family because it was growing at the time.
Consumer complaint received 2022-07-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (NJ)

This complaint is in regard to PNC bank in XXXX, NJ XXXX. In XXXX of XXXX, I applied for a loan in the amount of {$3200.00} for a hearing aid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to XXXX in person at her desk and told her my XXXX score is about XXXX. She told me that it should not be an issue.She submitted my application online in the bank and it was instantly denied. XXXX told me that she thinks it should be appealed since she feels I should have been approved. She said she will call me on Friday of that week after she spoke to the bank manager. She never did call me ( I found out she called in sick on Friday ). I called XXXX the following week, I believe it was on a Tuesday. She told me that the bank manager would NOT appeal the denied application. I feel that XXXX lied to me and I also feel I am being discriminated against XXXX XXXX XXXX and feel the bank should have legal action taken against them. I am also a XXXX patient. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I can not accept the fact that I was discriminated against, and they should not be allowed to get away with this. I received a form in the mail a few weeks later from PNC that only has my name and loan number on it. No boxes were checked off. On the top of the form it is titled Loan Expectations and Documentation ( LEAD ) Cover sheet : Personal Unsecured Installment Loan. It does not give me any instructions to do anything and it makes no sense to me.
Consumer complaint received 2020-06-05
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. (TX)

The account below is not mines. Not sure where it came from or why it is on my report. I disputed this within 30 days of it being on my report. 

Also by law the company has to send me legal notifaction of this debt and give me the right to dispute and they have not. 



1. XXXX XXXX XXXX Last reported XX/XX/2020 {$1500.00} Reported balance
Consumer complaint received 2022-06-19
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: Credit Technology, Inc. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a XXXX XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : CREDIT TECH INQUIRY DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Capital Provider Holdings, Inc. (TX)

I received marketing from " American Finance and Investment Co. Inc. '' saying that I had a a XX/XX/2022 Tax Penalty of {$1600.00}. 

This was incorrect, as the Taxes had been paid in full with no liens on the property address XXXX XXXX, XXXX TX XXXX, and ultimately false advertising.
Consumer complaint received 2020-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a Bank of America merchant services customer. I use Bank of America merchant services to handle all of my credit card processing. I was told and contracted that funds would be deposited into my business checking account within 1 business day of payment. I was contacted by BOA to explain and provide invoices for 4 transactions on XX/XX/XXXX, I provided that information on XX/XX/XXXX. I have had my credit card payments from customers held since XX/XX/XXXX, the amount is approaching {$30000.00} and I have not received any of it as I was suppose to. I have followed up every day by phone or email for the last 8 days with no response or resolution. All of my customers have picked up orders paid for or had them shipped. I am out the funds and the items. Bank of America has not explained what is going on and nobody in risk department will answer the phone or respond to phone calls. This has caused substantial harm and uncertainty to my business.
Consumer complaint received 2020-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (AZ)

On XX/XX/2020 I contacted Bridgecrest finance company to inquire about a payment deferment on my auto loan due to my employer reducing my salary amount in response to covid-19. My monthly payment amount is typically {$520.00}. I spoke with a man who stated Bridgecrest did not offer payment deferment but said they could offer to split the payment for the month of XXXX over a 5-month period, with the first payment of {$630.00} to be made on XX/XX/2020. The man I spoke to said that due to covid-19 and the reduction in my salary that missing the payment for the month of XXXX would NOT be reported to my credit, and the payment would not be considered delinquent. I then received an email from Bridgecrest stating that my payment was in fact being reported as delinquent if I did not make the payment for the month of XXXX immediately. I contacted Bridgecrest again as I believed the email I received was in error due to the agreement made over the phone on XXXX. After speaking to several people and having issues with getting them to return my calls, I finally spoke to a manager who told me that they would only dispute the negative report to my credit ( which had already been made ) if I made the payment for the month of XXXX immediately. They told me that after reviewing the recorded call, they would not be able to honor the agreement we had made over the phone even though they had heard what the man told me as their company does not have a policy for deferment. I have attached a screenshot of the text message I received showing the increase in my monthly payment, due to the deferred payment for the month of XXXX.
Consumer complaint received 2018-05-18
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. (TX)

The amount is {$700.00}. I disputed this and The account was deleted and then sold to other company and no it has reappeared on my credit. I was not notified about this. Please delete. It was put on my credit on XX/XX/XXXX
Consumer complaint received 2015-08-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (CA)

Mortgage lender Regions Bank, XXXX GA, violated the FTC Safeguards rule by sending my entire loan application with account numbers and social security etc via unsecure email attachment with no password protection after I asked them to fix secure transmission and explicitly told them not to email the application with no protection. FTC website sent me here.
Consumer complaint received 2022-03-04
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: Upstart Holdings, Inc. (NC)

On XX/XX/2021, I received a packet from UPSTART Network for an account that is listed as a Charge Off and is reporting on my Consumer Report. The IRS deems a Chargeoff account as income and you report it on Form 1099-C to the IRS. So this means this company is fraudulently reporting income to the credit reporting agencies which is a violation of the law. I have disputed this with the company and they have done nothing.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Hello I have a credit card dispute that has negatively effected my credit due to a card that I don't have and was used a few months ago and now it has ranked up late charges, the starting amount {$86.00} on XX/XX/2021 and now the total amount with late fees is {$160.00}
Consumer complaint received 2018-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There has been an unauthorized account opened under my name. I am a victim of identity theft and have filed reports with the FTC, local law enforcement, and as well as my bank. 

Someone has used my personal information to fraudulently open an account with XXXX XXXX XXXX XXXX. I have contacted them before to try to get them to help me resolve this issue but was faced with neglect of my consumer rights every time. 

Also, I reached out to the credit report agencies Experian and XXXX multiple times previously to notify them of this situation I am dealing with. Yet, they as well, are neglecting me my consumer rights are refuse to make the correction to my credit report. 

Their noncompliance has taken a toll on my credit and has made my life difficult since it is harder to find housing, due to their mistakes that they deny to correct. 

The subjected accounts details are below : XXXX XXXX XX/XX/2020 {$2700.00} XXXX
Consumer complaint received 2022-03-04
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. (IL)

I called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life
Consumer complaint received 2018-05-18
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. (GA)

On XX/XX/XXXX. I noticed an alert on my credit report for a company I've never heard of, so I immediately started a dispute. Today XX/XX/XXXX, my results came back as accurate and meets FCRA requirements. I called and asked Experian to send me or what proof was sent to them to prove.it was my debt and I was told, that they don't investigate and they leave it up to the creditor to investigate. I also was told that if the creditor says I owe a XXXX dollars, that is what I owe. Can you imagine being told that by a credit monitoring company? They will not except another dispute from me. Credit name is, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I recently refinanced my home and obtained a loan through Fifth Third Bank. I specifically chose Fifth Third since they had my original mortgage for 14 years and I knew they did not sell their mortgages. Selling of my mortgage is a concern due to the recession in XX/XX/XXXX. Several times during my conversation with Fifth Third mortgage employees and customer service representatives, I mentioned that being a consideration of mine in choosing to refinance with Fifth Third and the employees did not refute my statement. I received a letter yesterday, XX/XX/XXXX, from XXXX XXXX telling me my Fifth Third mortgage had been sold to them. I do NOT want XXXX XXXX to have my mortgage. What recourse do I have? 

Thanks, XXXX XXXX
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (NC)

Terrible experience. I bought a XXXX XXXX XXXX XXXX XXXX. It died within three days of receiving it. I gave Carvana the benefit of the doubt and swapped it for the same model and year at the same price but with XXXX more miles. I was notified day of delivery that the second car had a damaged moonroof headliner which was not shown nor disclosed in the online photos or description. The delivery driver said they would write a ticket for it to be fixed through their warranty program. The replacement car showed the same symptoms as the first one " Service Required '' " Low Battery '' within 24 hours and died in my garage within three days. I called requesting a solution. Their solution was to take it to their warranty partners to get it fixed or swap it one more time. BUT if there were any issues with the second swap, then I would be stuck with the car and have to go through their warranty program for repairs. When I did more research, the first car they delivered to me arrived to them dead. Carvana took the car to XXXX XXXX for diagnostics and repair. Carvana only disclosed to me via phone that the check engine light was on and the car just needed a downstream O2 sensor replaced which would extend my pick up time. I agreed. I asked about the repair and the guy told me he had no idea what it meant or the impact, that's all the info he had. When I picked up the car, he told me they also replaced the battery with a new one. There is NO way the two cars I received were in their inventory with no issues. There was no ability to speak to anyone other than a customer advocate. After the second car died, I called to request my money back but no one knew how to update the system or figure out what needed to happen to proceed. I respectfully requested they reach out to management to figure out next steps instead of talking back and forth on the call and never received a call back. Carvana is selling cars that put owners and other drivers in danger and take no responsibility. The process for selling your car to them is very easy, but steer clear of buying a car from them. The only positive experience was the customer service from XXXX and the second delivery driver - his last name was XXXX. I talked to multiple people throughout this process and they were the only people I spoke with during the whole fiasco that were knowledgeable and helpful. Also a heads up, if you swap, you have to sign a new purchase contract and every time you sign, it's a hard hit to your credit regardless of whether you return the car or not.
Consumer complaint received 2024-02-06
Product: Credit reporting 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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.