davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: American Credit Acceptance, LLC (CA)

HOW ARE YOI I NEED HELP WITH THIS ACCOUNT I TRYING SPEAK WITH COMPAMY EXPLAIN TO THEM MY ACCOUNT IS WRONG WE NEED CORRECT ERRO ASAP BUT SO HARD THEY LIKE ENJOY MAKE MONEY OFF PEOPLE NOT NEVER FIX MUCH IF PAID KEEP SAYING YOU LATE THIS SO HARD FOR ME PLEASE HELP IN MANE OF XXXX XXXX
Consumer complaint received 2022-03-16
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. (PA)

XXXX XXXX XXXX to who it may concern I am writing this to delete the following information in my personal file. The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns. 

Violation of consumer laws.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (KY)

On XX/XX/XXXX and XXXX, XXXX, I made purchases with my US Bank XXXX XXXX with a 0 percent introductory rate totaling approximately {$2000.00}. US Bank classified these as cash advances, so they were subject to interest. 

Realizing a portion of my balance was now subject to interest, I paid the cash advance off at the end of the month. On XX/XX/XXXX, I made payments of {$400.00} and {$2000.00}. More than enough to cover my minimum payment plus the cash advances and associated fees. 

There was an interest charge in XXXX, but I figured that was just for the partial month prior. However, they continued to charge interest for the next three months. It appeared they did not properly credit my payments to the cash advance balance. 

On XX/XX/XXXX, I called customer service to see what the issue was. They told me payments are supposed to go to the minimum payment, then toward the highest interest rate balance. However, because I tried to pay it off before the cash advance hit my next statement, the funds went toward my promotional balance instead of the cash advance balance. 

I asked them to correct this obvious error. After initially acting like they could correct it, she came back after a brief hold and said there was nothing they could do. My only option was to pay it off again. Even though I already had! 

This is clearly an accounting error on the part of US Bank. One that should have been easy to fix. Instead, I was erroneously charged over {$100.00} in interest. I am being punished for paying my bill too early. How does that make sense?
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

ACCOUNT SAYS OPEN, IT HAS BEEN CLOSED SINCE 2016  XXXX XXXX XXXX XXXX ACCOUNT HAD NEVER BEEN LATE. IT REPORTS XXXX  30 DAY LATE 2016 XXXX  30 DAY LATE XXXX 30 DAY LATE XXXX 30 DAY LATE XXXX 30 DAY LATE XXXX 60 DAY LATE
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

The criminals at CAine and Weiner are using harrassment tactics and call several times a day on a private # when the " debt '' in question was that of an LLC not ANY individual. At no time did I sign an individual gurantee for the initial chargeback for a venue rental when the customer actually used our facility, damaged our property then filed a chargeback. There are several legal issues here .... where your agency has been contacted to stop ANY collection effort on me personally for an LLC debt that was not valid in the first place. The atty general in TX is filing suit against these criminals for numerous other illegal tactics as well. The Q is where is the federal help us tax payers need when these mafioso companies attempt to harrass, intimidate and threaten consumers? Are you going to take action???
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage Services LLC purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. Carrington is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to Carrington for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that XXXX is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX. Their stance is basically that the account is no longer with them, so it is no longer their problem.
Consumer complaint received 2023-09-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (CO)

On XX/XX/2023, I went to my local branch of US Bank to pay the full balance of my home equity line of credit ( HELOC ), Account # XXXX. I asked the teller for the precise sum that would pay the loan in full, and was advised the amount was {$19000.00}. As I wrote the check, I asked the teller to confirm the amount once again, which she did. I then gave the check to the teller, got a written receipt, and left the bank with the understanding that the HELOC had been paid off. 

Despite this, on Saturday, XX/XX/2023, I received a mailed statement from US Bank dated XX/XX/2023, advising that the HELOC still had an unpaid " Principal Balance '' of {$83.00}. Not understanding why, I went to the same branch of that bank on the following Monday, XX/XX/2023, to speak with a bank officer. At the time, I met with an officer named XXXX XXXX XXXX, who -- after doing some investigation over the phone with another US Bank agent -- advised me that the teller had given me the incorrect amount because she hadn't included outstanding interest on the loan. XXXX XXXX further advised that the true amount owing to pay the loan in full was no longer {$83.00}, as set forth in the bank 's XX/XX/2023 statement, but was now {$110.00}, because an additional {$36.00} in interest had accrued on that {$83.00} " Principal Balance '' since XX/XX/XXXX. I protested this additional charge, and the exorbitant interest on that charge, but proceeded to write a check to the bank for {$110.00} merely to avoid further fees. I gave the check to XXXX XXXX on XX/XX/2023, and left the bank. 

This complaint has nothing to do with XXXX XXXX, who throughout the meeting was sympathetic. It has to do with what I believe are deceitful representations to the public and usurious interest rates being charged by US Bank. 

I believe there are two problems here. The first is that the bank 's authorized agent, in this case the teller, represented to me that the amount that would satisfy this HELOC in full was $ XXXX, that I relied on that representation by paying that precise sum, and that the bank proceeded to demand XXXX XXXX XXXX XXXX XXXX to pay off the loan. Even if, as XXXX XXXX advised, the teller gave me incorrect information, the bank should be bound by its agent 's mistake. 

The second problem is that even if I should bear the onus of the teller 's mistake, the bank has no basis for charging an additional {$36.00} in interest on a " Principal Balance '' of {$83.00} for the period XX/XX/2023 ( the date of the bank 's mailed statement ) to XX/XX/2023 ( when I met with XXXX XXXX and paid the amount being demanded ). The effective rate of interest is roughly 1000 %, surely a violation of the usury laws.
Consumer complaint received 2017-09-08
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. (ND)

In the XXXX XXXX Equifax hack they believe that my personal information was affected. The leaking of this sensitive information could open me to the risk of identity theft and monetary loss. The lack of security from a company entrusted with the most important financial information of millions of people is inexcusable, especially since there is no opt-out option. I never chose to do work with this company, they have my information whether I agree with it or not, and now so does whoever hacked the system. Moreover, the fact that high ranking officials sold stock before the news became public so as to cash out before having to face the consequences of their ineptitude is just further proof these people should have never been trusted with our information in the first place.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

THE IRS DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT IRS Publication XXXX Cat. No. XXXX Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) For use in preparing 2022 Returns. Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. Or that 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunlight Financial LLC (IA)

Last XXXX I had a contractor come out and do some foundation work at my residence. They offered one year free financing through Sunlight Financial. On XX/XX/XXXX a payoff was requested. It was received and on XX/XX/XXXX my attorneys office processed a wire transfer in the amount of {$9600.00}, Bank Reference Number XXXX, XXXX to be applied to Loan Number XXXX. The XXXXXXXX XXXX was XXXX XXXX XXXX XXXX. On XX/XX/XXXX I called and sent a message to Sunlight when I noticed that the loan was still not paid off. I then sent an email and received a response that they needed additional information. I then reached out to the attorney and provided the above information to them via a secure message. I called again XXXX and spoke to someone who could give me no answer as to why it is taking now almost 2 weeks to process a loan payoff.
Consumer complaint received 2017-09-08
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. (GA)

I am affected by the Equifax security breach that occurred around X/X/17. No fraudulent activity has happened on my account, but I did receive an alert through " equifaxsecurity2017.com '' that I may have had my information leaked. I am sure many others are filing this report, but I just wanted to have something in writing for reference in case my identity is stolen.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-16
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. (PA)

XXXX XXXX XXXX to who it may concern I am writing this to delete the following information in my personal file. The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns. 

Violation of consumer laws.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report. 

XXXX XXXX XXXX ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by XXXX to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with XXXX, Transunion and XXXX as well as XXXX, but in each case credit bureaus have reported that XXXX 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by XXXX.
Consumer complaint received 2017-09-08
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. (CA)

My confidential credit information including my SSN has been leaked in the recent EQUIFAX Breach.
EQUIFAX has but myself and millions of other Americans at high risk of Identity Theft due to their Criminal Negligence.
Additionally, EQUIFAX failed to report the breach in a timely manner. EQUIFAX Executives knew about the breach from XX/XX/XXXXthrough XXXX 2017. However, I was never notified of the breach by EQUIFAX. I found out via generic press release on the news, which is frankly disrespectful. The fact that EQUIFAX admits that they will not notify breached individuals is appalling business conduct.
Additionally, the fact that EQUIFAX executives sold over {$2.00} Million USD in stock days after the breach, heavily indicates criminal insider trading.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (TX)

Why was my credit report accessed without my permission and based upon the attached, undated, and incomplete application when it clearly states incomplete applications will not be processed? Why doesn't Experian regulate their clients to ensure lawful access to a person 's private information? Why doesn't XXXX XXXX XXXX XXXX ( XXXX ) regulate their employees to lawfully have permissible permission before accessing a person 's private information? Why does Experian and XXXX continue to ignore their liability by ignoring my complaints and request? The forged and incomplete application was the first step to a fraudulent loan and both have failed their responsibility as a professional company. The companies lack proper management.
Consumer complaint received 2018-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX. 

XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX. 
XX/XX/XXXX - Received a letter from XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( MCM ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/MCM XX/XX/XXXX - Received a response from XXXX XXXX/MCM claiming the information provided by the previous creditor ( XXXX ) was correct. 
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus. 
XX/XX/XXXX - Received a response from XXXX  stated : XXXX XXXX/MCM balance is correct and XXXX  investigation is complete. 
XX/XX/XXXX - Submit this complaint to CFPB
Consumer complaint received 2018-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (IL)

This all began in the middle of XX/XX/XXXX after i received a new job offer in Puerto Rico. When i called I was told that there was no problem taking my car down to Puerto Rico and that all that I required was a letter from them saying that it was ok to take. on XX/XX/XXXX I called again to see what the titling process was in Puerto Rico and was then advised that I could no longer take the car. On XX/XX/XXXX I then called again after I had reviewed my contract. In the contract it clearly states that I am able to take my car anywhere within the United States. When I called I was initially told that they were only allowed to let my car go anywhere within the 51 states. So I happened to ask what were the 51 states and was not able to get an answer as there are clearly only 50. After I was transferred to someone in the United States I made it very clear that Puerto Rico is a part of the United States and that they are now breaching the contract. They told me there was nothing they could do that their legal department no longer allows cars to go to Puerto Rico. In my honest opinion this is now blatant discrimination. They now have put me in a very bad position and now I am running out of time to resolve this problem.
Consumer complaint received 2017-09-08
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. (UT)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been attempting to verify this debt ( XXXX XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not had any luck with a XXXX letter or verification. They only respond back that it's been verified instead of providing proof of how its been verified. I have been disputing to the credit bureaus as well ( XXXX XXXX XXXX ), that have this debt listed but not XXXX because they don't have it listed as it was removed.