davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Trakk, LLC (SC)

On XX/XX/19 Autotrakk Llc was provided written notice of dispute regarding a repossession being reported inaccurately on my credit file via certified USPS mail. I challenged Autotrakk to provide the proper notices to cure for the said repossession and their ability to report this debt on my credit file. After the repo i was never provided any notice to cure, i did not receive any notice of where the vehicle was being sold or where i may purchase the vehicle back, nor was i sent a deficiency notice. these are all violations of state and federal laws including the FDCPA and the FCRA as well as RISA and XXXX. South Carolina law UCC section35-5-111 and 110 also states that deficiency can not be claimed unless all of the required notices were properly and timely given and all allowable cure time limits were adhered to. 
Autotrakk was given 14 days to provide these notices or delete this inaccurate information from my credit file. they have failed to provide these notices and have yet to delete this from my credit file i demand immediate removal from my credit file or i may exercise my right to file legal action against Autotrakk LLC for failure to provide notices as well as false reporting on my credit file. if Autotrakk removes this information from my credit file within 30 days i will consider this matter resolved. please find attatched the copy of the original letter and certified mail receipt that was sent to autotakk.
Consumer complaint received 2023-01-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (AL)

I recently paid this collection off in full, they told me they don't pay to delete they only update the account as " PAID IN FULL '' and they still have not updated my account at all, the ORIGINAL account is from XXXX XXXX. this account is hurting my credit score very badly to where i can't get any credit cards. I have multiple phone recordings of all conversations about how the account was gon na be updated to " PAID IN FULL ''. I need this account updated ASAP.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On XX/XX/XXXX I called EdFinancial asking for a loan refund due to the CAREs act on a federal student loan payment I made in late XXXX. They told me they would submit a ticket, but the refund would take about 5 months to process and it could potentially take even longer due to a surge of people requesting. It seems other federal loan servicers are quoting around 2-4 weeks for a refund to process and clear, so the timeline EdFinancial gave seems unreasonably lengthy. 

They also told me they could not provide any form of confirmation email or statement for the submission of my refund request, which is pretty concerning when dealing with a large amount of money that would take up to 6 months to receive.
Consumer complaint received 2019-04-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CA)

Let me start off by saying that I've been in collections for 15 years. I know the ins and outs. I could very easily sue and get XXXX to XXXX for every violation. I've been called repeatedly not even 5 min of each call. I've been called before XXXX. I get 10 call everyday sometimes from different numbers. What's funny is that I haven't answered had I I'd probably have more complaints. I have the phone records to prove it too.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was out of work for some time due to be ill and got behind on my bills. went went to XXXX relieve for help got debts reduced and paid off except Capital One They brought a Judgement against me. I went to court and they said I owed them XXXX dollars and I agreed with them. set up monthly payments payed all but XXXX dollars and was told bt capital one they were not pursuing this any more. so I asked does this judgement come of my credit they told me no because the judgement has to be satisfied first.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

Each month American Express issues late fees before their closing period is over. The automatically issue the late fee and then reverse most months, but, some months ( this past month for example ) they issued the late fee but did not reverse it automatically as they usually do. It seems that if you pay on the day of your payment they assess this late fee and if you do not call about it to have it reversed they have wrongfully charged you a late fee. American Express is on PST and I live on the east coast. AMEX closes their day at XXXX XXXX  PST which is XXXX XXXX EST and they assess the late fees around XXXX - XXXX XXXX EST, which is not right. I have a AMEX Delta Gold Skymiles card and I paid on my due date around XXXX XXXX EST which is XXXX XXXX PST, so, I should not have been assessed a late fee. I called them about it and they said oh yes you did pay on time and this was our error. So, if I didnt call I would have had this late fee for not reason. The late fee was returned as " Reverse Late Fee ( sys gen ) System Generated. This is not right at all, if no one calls about it they are given this late fee for no reason at all. AMEX should run this system generated late fee after the close of business, so, this doesn't happen. There could be thousands or millions of people out there being charged this System Generated fee when they have truly paid on time. Please look into this as this practice should stopped. This is a job that runs and they are able to change the time that this automatic job runs, so, they do not charge people for nothing. They did reverse the amount but this should not have happened. If you pay on the due date you should not be charged any fee ( so they would not have to reverse it automatically each month ).
Consumer complaint received 2018-06-18
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (OH)

*************THIS IS NOT A DUPLICATE********* I started a 72 mo loan with TD Auto Finance XX/XX/XXXX and in XX/XX/XXXX, I began asking them to apply any extra payments I made to the principal balance. They kept denying that I even made the requests with them so I filed a complaint so that they'd have it in writing. TD Auto finance still failed to apply any of the extra payments I made to the principal, instead applying it to my next month 's minimum due, so I would wind up paying a lot extra in interest. 


1. The contract language alludes to a 10 day monthly grace period, but I wasn't notified until the end that this was not a grace period, interest still accrues during those days, and is amassed on the back-end with the principal. 

2. The extra payments I made to cover any additional interest were never applied to the principal and interest - despite filing a complaint about it. As a result, more interest accrued that should have 3. I called them on XX/XX/XXXX to  dispute the amount owed and for them to stop all collection efforts until they recalculated my whole loan with the payments applied. I called them 4 times again between that day and today, XX/XX/XXXX for an update, providing a new phone number 2 separate times for them to contact me. They've never called, but say they've called a previous # that I explained was no longer valid. When I call, they announce that it went to the " cashier 's department '', and that I'd be called. 

4. Despite my dispute to stop collection efforts while the loan is being re-calculated, they have charged an out of the ordinarily large late fee & also reported a missed payment to the credit bureaus. 

5. The original contract says I owed {$35000.00} after interest. I had a little less than {$700.00} in late fees which would total : {$35000.00} I have paid to date : {$36000.00}. They claim I still owe approx {$390.00}, which includes an unusually high late fee of {$62.00} ( normal fees are {$24.00} ). In total : they are claiming I have {$840.00} in extra interest. I have, and will continue to dispute this.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NV)

I am attempting to avoid foreclosure and short sell my home. I have an accepted offer and have been attempting to initiate a short sale with the bank and the bank refuses to allow me to initiate the short sale and refuses to speak on the account. I have left multiple messages with the specialist handling the loan and emailed the foreclosing attorney directly with no resolve.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I filed an ID report with the FTC. I also filed one with the police department for the following accounts which by law have to be removed rom my credit report and they havent. My return receipt from the post office shows they received it along with my police report over 2 weeks ago. 
XXXX XXXX XXXX XXXX  de 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 2018-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

CAVALRY PORTFOLIO SVCS are reporting on my credit report claiming that i owe them {$620.00} which i do not recall making business with them.i demand that they remove that derogatory account my my credit report immediately.
Consumer complaint received 2019-08-29
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. (TN)

I have been in contact with Equifax for over a year constantly providing legal documentation proving that I am indeed a victim of identity theft. Equifax has ignored a majority of my written correspondence, not disputed fraudulent items with companies, continues to report accounts that have my name attached to different social security numbers, reporting fraudulent addresses and more. I have mailed over 50 copies of my documentation to Equifax since late 2018 all with no responses. Equifax has admitted to sending mail to an address that I informed them that it seems is where a bulk of the fraud had originated from. Please help me resolve this matter with this company immediately if possible. I have been denied employment and have been unable to buy a house due to ill reporting by this company.
Consumer complaint received 2019-06-13
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. (TX)

XXXX XXXX - 1. Called credit to pay collection, XXXX  XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX  XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.
Consumer complaint received 2023-06-13
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (WY)

My Dad had bank of the west as a bank he passed away in XX/XX/XXXX, we closed his account in XX/XX/XXXX, the bank was shown a death certificate and since then his phone number has been put in my name, even tho they have taken a copy of my XXXX 's death certificate they call my number and keep leaving messages to contact them, not a person to contact either, I have talked to them and they stated they removed my number from there system, I even blocked them but still receive voice mail, this is harassment and really close to a lawsuit, this needs to stop imeadietly
Consumer complaint received 2018-02-22
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: CITIBANK, N.A. (IL)

XX/XX/XXXX : I applied for Citi bank card in sears store, they said the card will be deliverd home, but i didnt received the card and i spoke to sears store team they took the balance from me and they said they will close the card as it is not approved. 

XX/XX/XXXX : i noticed a mention on my credit report that i am a defaulter of citi bank credit card, i spoke to citi bank they said as i am not having the card number or account number they cant do anything, i spoke to sears and they said to contact credit bureau team, i spoke to them and raised the dispute.

XX/XX/XXXX : After investigation they changed that card status as closed and made it as Charge off bad debt. More than the earlier one this one is affecting adversely my credit file. i am not able to do anything as there is a charge off bad debt mention on my credit file.
Consumer complaint received 2024-02-08
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. (ND)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I have tried numerous times to apply for a home for me and my kids. Trying to purchase a house thru Quicken was going to be my 3rd attempt. I was skeptical going in, however for the sake of my kids I was willing to try. After I applied for the mortgage, I was conditionally approved pending the documentation needed to get the final approval. All was going well until Quicken needed proof of the down payment. When I supplied the bank statements, the underwriter had declined the documents I supplied because they wanted a document that showed the URL address of the website. I supplied them with the bank statement directly from XXXX  XXXX XXXX. As its the one that gets mailed to my home. They stated that was not good enough. In fact they stated it looked like a document I had created on a word document. I was absolutely appalled. I work in the mortgage industry, and I have never accused a customer blatantly of creating false documents. That is not for me to imply, there is a whole separate team for that, called XXXX. Every financial institution has one. So for an underwriter to make the assumption on his own will, told me they had truly discriminated against me and my family. Was it perhaps my race, the fact I was a single mother, or a woman. Either way, this was totally uncalled for. Even though I knew I was not required to go the extra mile, I was willing to. I offered my logins, screen shots, branch print outs signed by a teller, everything. And it was not good enough. The processor told me on the phone, and the calls are recorded. So if the call is pulled up, you can hear when she tells me my documents looked to be made thru a word document. I have heard in the past that Quicken was a bad company to deal with, however I was willing to give them a chance. But now, I see why people were saying. And mostly minorities who were telling me. Unless your someone else, or make a substantial amount of money, they will treat you different.
Consumer complaint received 2019-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

The last complaint stated that I opened up an account on or around XXXX. And apparently due to public record they confirm that they were my transactions. Public record also states that I've lived in dresses that I've never been to and that current address that you supplied is a building that's been burned down since XXXX and only recently rebuilt. I do not and have never lived in the state of Pennsylvania. I have a New Jersey state ID that says otherwise. Also in XXXX I was XXXX years old so I didn't realize you guys gave credit cards to minors .. so I asked that they remove this off my credit report as I've never applied to this company. I am homeless and do not have a current address ...
Consumer complaint received 2021-05-10
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: Medical Data Systems, Inc. (FL)

This is a continuation of corruption committed by XXXX as XXXX has targeted me to continue holding my credit file hostage. XXXX deleted on XX/XX/2021 disputed information regarding MEDREVSVC ( Medical Data Systems, Inc ) Facts : XXXX deleted on XX/XX/2021 disputed information regarding MEDREVSVC ( Medical Data Systems, Inc ). EXHIBIT E 1. EXHIBIT A ... ... XXXX XXXX XXXX on XXXX XXXX, 2021 forwarded a dispute on my behalf with XXXX demanding that XXXX remove information that has been identified as information being reported as a result of Identity Theft. 

2. EXHIBIT B ... Is the identity theft report filed with the XXXX XXXX XXXX  demanding that XXXX remove information that has been identified as information being reported as a result of identity theft. 

3. EXHIBIT C ... ... The Florida Office of Financial Regulation received a complaint from me against Medical Data Systems Inc. regarding violations of the FDCPA, FCCPA, Libel, FCRA, and Intentional Infliction of Emotional Distress. 

4. EXHIBIT D ... .Medical Data Systems Inc. forwarded a letter to all three credit reporting agencies and asked them to remove the information from my credit file. 

5. EXHIBIT E ... ..On XXXX XXXX, 2021 XXXX reinserted information it has previously deleted on XXXX XXXX, 2021 regarding the MEDREVSVC ( Medical Data Systems , Inc ) even after Medical Data Systems Inc. forwarded a letter asking XXXX to remove it. EXHIBIT
Consumer complaint received 2018-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

The office of Consumer Affairs of Equifax is not reporting my report correctly i have ask them to take my file out, They said my file will remain with them ok for what I ask, I have sent a request to have my file removed from The office of Consumer Affairs and they said no, I would like to know what is the problem and by law thats my right and request, This is a serious problem.I am a vitim of identity theft i have reported the issue with the police department and disputed inquiries with the office of Consumer Affairs and submitted a police report they said they dont dispute inquiries but when I call Equifax to speak to fraud dept. without giving them my information cause the office of Consumer Affairs got my file flag, The fraud dept. says if u got a police report and the inquiries are fraudulent u can dispute they. I call the office of Consumer Affairs back and they hung up on me.
Consumer complaint received 2023-05-09
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. (NC)

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

XXXX  states I owe them for a bill I disputed this twice with the 3 cba and they stated verified. I was not aware of my rights at the time, now I check my credit report and XXXX is still on there and Jefferson Capital systems for the same {$750.00}. I have asked both companies for validation of debt with no response and yet they both appear on my credit report I can't believe this is legal.