davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (NH)

We am continually receiving calls from XXXX, Total Card, to collect a debt belonging to XXXX XXXX. 

My land line phone number, XXXX, used to be assigned to XXXX XXXX 's father, XXXX XXXX. I was assigned this phone number in XX/XX/2017 by XXXX XXXX. We get a call at least once per month from Total Card requesting to speak with XXXX XXXX. I have told Total Card numerous times that XXXX XXXX is no longer at this number and not to call. 

My XXXX sister resides with my husband and me, and she gets very important calls regarding her medical issues from her medical providers. Having to answer calls from Total Card causes calls from my sister 's medical providers to go unanswered because she or my husband and I answer all calls in the event the call is for my sister from one of her medical providers. 

We would like to have Total Card contacted and have our land line phone number, XXXX, permanently removed from their database as the debt being collected does not belong to anyone in our household and the phone number no longer belongs to XXXX XXXX 's father, XXXX XXXX, as it has been reassigned to XXXX XXXX to me. 

Thank you, XXXX XXXX XXXX XXXX NH
Consumer complaint received 2018-09-11
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: EQUIFAX, INC. (DE)

Equifax has not deleted two revolving accounts - 1 from XXXX and 1 from  XXXX XXXX - that are both closed and last activity was past 7 years. 

XXXX - Date Closed XX/XX/XXXX - Date of Last Payment XX/XX/XXXX XXXX  XXXX - Date Closed XX/XX/XXXX - Date of Last Payment XX/XX/XXXX Equifax also has inaccurate credit inquiries on my credit report that need to be removed. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CO)

I closed on a home XXXX XXXX, 2016, and was entitled to an escrow refund of {$5700.00}. I have called the mortgage company twice now ( PNC Mortgage ) and have been told twice that the check is " in the mail '' but there is no way to track mailing - when the check was actually mailed ( " should have been XXXX XXXX '' ) - or where it might be because they do not have a way to track delivery. This is ridiculous. Surely there are faster and more sophisticated ways to process refunds, but I suspect PNC Mortgage will not do this because they have the benefit of holding on to my money for as long as possible and are not held accountable. It is completely unacceptable to tell me they do n't know for certain if the check has been mailed or where it is right now.
Consumer complaint received 2022-07-25
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.
Consumer complaint received 2019-03-29
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. (AL)

I am/was the co-signer on my sons student loan. Loan originally with XXXX XXXX, approximate date of original loan XX/XX/XXXX. Loan transferred to XXXX. I am seeking any relief possible from XXXX pertaining to the ongoing lawsuits being filed by state and federal agencies. 
Commonline ID XXXX, as per copy of Signatory Loan serviced by XXXX. Previous contact with CFPB resulted in action taken by some credit reporting agencies, not all. Furthermore, around XX/XX/XXXX, I was subjected to several harassing phone calls from XXXX, one particular stated he knew we had been recently financed for a newer vehicle. Not proper info for him to have. 
Two previous complaints I filed with CFPB are both dated XXXX XX/XX/XXXX : XXXX-XXXX XXXX-XXXX  I have filed a complaint ( mailed on XXXX XX/XX/XXXX ) under the Class Action Lawsuit against XXXX, for their failure to timely remove and/or update MY status as it pertained to XXXX. 
On XXXX XX/XX/XXXX, XXXX informed me that my application for XXXX and XXXX XXXX had been approved. Effective date is date determined by VA, that effective date is XXXX XX/XX/XXXX. 
I have in my files copies of Equifax and XXXX, dated after XX/XX/XXXX, showing that they had not removed ( or expunged ) from my credit file the XXXX student loan. 
These statements are true and factual to the best of knowledge and documentation. If, I am incorrect, in explaining these circumstances, then I formally and apologetically withdraw this complaint. 
Sincerely / Respectfully XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX is reporting a bankruptcy on my credit profile. I have asked for verification of the bankruptcy, and it did indeed come back verified. This is a problem because XXXX is stating they spoke with the court and the court verified the bankruptcy. I have done my due diligence and contacted the court on my credit profile. They not only could not verify the bankruptcy as mine, they also stated they not VERIFY with the credit bureaus. XXXX has removed the bankruptcy because of this. I am asking XXXX and TransUnion how they are verifying the bankruptcy. They are stating with the court. This is not true. Meaning, the bankruptcy is unverifiable. I am asking for immediate deletion of the bankruptcy on my credit profile. This is defamation of character as the bankruptcy is being reported in error. If XXXX and Transunion are using XXXX to verify, that is not a fair investigation. I have the right to a fair investigation. Thank you
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

XXXX credit card with Comenity bank locked me out of my account, cancelled my auto pay, then charged me {$60.00} fees on a {$30.00} balance due to my " late payment ''. I had to call the bank and wait on hold for 20 minutes to execute a payment, and the representative XXXX XXXX was EXTREMELY rude and basically confirmed the contempt the bank has for customers. This behavior ( not allowing me to pay while charging me fees ) seems predatory in the least, most likely illegal.
Consumer complaint received 2018-09-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter via mail XX/XX/22 to Transunion asking for documentation in regards to 4 inaccurate accounts reporting on my report. These accounts when I attempted to dispute them came back as validated by Transunion. It is now XX/XX/XXXX and I have not received ANYTHING from Transunion. These are still reporting negatively and are drastically effecting my credibility and defaming my character.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Hello : I have recently received a letter stating my loan was transferred to SPS ( and during a previous attempt to satisfy my XX/XX/XXXX payment via XXXX XXXX ). A fixed 20 year term XXXX Mortgage Loan. 
With a new loan Number within SPS of XXXX. 

My due date is the XXXX of each month and a grace period of fifteen days. 
At XXXX I contacted SPS and spoke with a representative, whom stated a payment by phone, online, and or mail will not be applied to the account until the eleventh of the month ( at the earliest ). Claiming our account information has not fully uploaded from XXXX XXXX to SPS, therefore any attempts to set up online, or a payment by phone is not an option. 
And if a payment is received, it will not be applied to the account until XX/XX/XXXX. 

Here are my concerns : We will continue to accrue daily interest, due to SPS not having the capability to upload any mortgage information, until the eleventh ( transfer date occurred on XXXX XXXX, 2016 ). 
When the representative was confronted of my concern, she responded by stating, SPS was in compliance of RESPA. 
QUESTIONS : Does the correspondence, advise the borrower of the delay to apply credit to the loan, ( I have read the correspondence and saw no verbiage )? 
Why would your system take eleven days to upload from XXXX to SPS? 
If there are system limitations, do you feel you have the opportunity to upload mortgage loan in increments? 
Is SPS in compliance of REG Z ( Are you back dating payments? ). 
What does RESPA have to do with the transfer of my loan? 

Overall, I feel this appears to be unfair and deceptive practices. 

As stated earlier, I am concerned due to SPS not having my loan information immediately after transferring the loan, I am negatively impacted with accrued interest. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST HERITAGE CREDIT LLC (TN)

We acknowledge that we owe this company money and that we are a Month behind. They call repeatedly throughout the day expecting a different answer and as a harassment technique meant to bully us into giving them money we obviously dont have. They are also calling my work number and I can not receive calls at work and they have been told this multiple times. Yet they persist. This is harassment pure and simple.
Consumer complaint received 2018-09-11
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: EQUIFAX, INC. (NY)

Today XX/XX/2018 I tried submitting a dispute online with equifax. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my equifax credit report that do not have the correct balances. My XXXX XXXX  card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute fraudulent accounts that have appeared on my credit report. Unauthorized accounts have been listed under my name, specifically the XXXX XXXX XXXX XXXX account ending in XXXX, marked as fraudulent.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/XXXX I got a deposit from the irs for my tax refund. I went to the bank transferred money in my dads account wrote checks to my day care and car payment rent then around XXXX the restricted my account bounced the checks then deposited my pay roll check today. They still havent closed my I have asked them to close it and give me my money and they said it would be 10 days Then another 10 days they are hold almost XXXX XXXX dollars of my money and wont let me touch it I owe bills I have 2 kids I have to feed my car payment is due I just need the money released and they are holding it. Wont tell me why they closed it and told me there was nothing I could do.
Consumer complaint received 2017-02-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NY)

I refinanced my Mortgage through quicken loans. I feel that their practices are predatory. I was first told I would have no problem getting cash out. Well, a couple months into the process I was told that would not be possible, but I decided to continue, as I was told I could reduce my monthly mortgage payment. So after adding {$8000.00} back to my mortgage for closing costs, and going back up to 30 years, there is no change in my mortgage payment. So I gained nothing but a lower credit rating. Quicken miss calculated my home insurance and did not pay it when they bought my mortgage. I called them XX/XX/XXXX, and was told it would be " researched '' but as of yet, no research, and now the rep tried to blame me, because they called me but my voicemail was full. So apparently they needed to speak with me before they could begin their research, because XXXX reps was n't enough, I had to speak to a third. In the meantime, my house insurance was cancelled. It has been re-instated, but Quicken does not seem to want to take responsibility for their mistake, and want to put it on me as the consumer.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any.

( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

CAPITAL ONE AUTO FINANCE REPOSSESSED MY VEHICLE, WHEN THE PAYMENT WAS NOT LATE. THE PAYMENTS WERE MADE ON TIME. I WAS IN AN AUTO ACCIDENT, AND MY VEHICLE WAS AT THE TOW YARD. I HAD AN AGREEMENT, WITH THE TOW YARD, TO STORE MY VEHICLE THERE, UNTIL I WAS ABLE TO HAVE MY VEHICLE REPAIRED. I WAS MAKING PAYMENTS, TO THE TOWING COMPANY, AT XXXX DOLLARS A DAY, IN ORDER TO HOLD MY VEHICLE THERE. CAPITAL ONE AUTO FINANCE REPOSSESSED MY VEHICLE, FROM THE TOW YARD, WHEN I HAD ON-TIME PAYMENTS. THERE WAS NOT A REASON, FOR CAPITAL ONE AUTO TO REPOSSESS MY VEHICLE. THE TOWING COMPANY WAS NOT GOING TO SELL MY VEHICLE.
Consumer complaint received 2021-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (IL)

On or around XX/XX/2021 an attempt was made to communicate with Santander Consumer in regards to a litigation matter that will deemed relief for an account in my name. Santander has been unresponsive which has lead me to submit a complaint through CFPB about this matter. Attached along with this complaint is a letter with further details indicating my eligibility as a consumer in this lawsuit.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have a situation with a creditor who I believe is illegally re-aging a debt. The debt was originally with XXXX XXXX XXXX XXXX, then was sold to XXXX XXXX XXXX. I'm not sure of the date that it originally went to collections, but it may have been as early as XX/XX/XXXX. I have never made any payments or promises to pay, but it was removed from my XXXX   and Equifax credit reports, then put back on with a new account opened date of XX/XX/XXXX. I don't want the statute of limitations to start over, so could you help me correct this? Any help would be much appreciated. Thanks!
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (GA)

Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local DA 's office
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (VA)

I reached out to Discover to ensure my purchase balance is correct, as it seemed high and their terms state this is paid first due to the intro purchase rate being first to expire. It has been determined that the purchase balance includes a disputed amount that had a temporary credit reversed for the final credit to apply. The issue comes in where they did not apply the final credit for this reversal to the purchase balance that they increased when taking these steps. As a result my purchase balance is {$450.00} with one period left to pay this amount that should only be {$210.00} if the dispute credit for {$240.00} had been correctly applied. The link to report a billing error does not work and supervisors with Discover refused to resolve the issue or give me another appropriate link where this error could be reported for official review. This is predatory for them to increase the purchase balance on XX/XX/2023 with a dispute that was won from XX/XX/2023. 

I have included photos of the statement that show the total purchase balance amount, as well as the amounts to make up the purchase and the expiration date of the intro period for this balance type, and a dispute email that states clearly this would not count against me for interest.
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have written to the credit bureaus and have asked for fraudulent activity to be removed from my credit reports. Over 2 months have gone by and I have not received any notifications or responses from the credit bureaus.