davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C. (WA)

I was contacted by phone by Wilber & Associates on XX/XX/XXXX about a claim made by XXXX XXXX about an accident on XX/XX/23. I was then contacted by mail on XX/XX/XXXX and XX/XX/XXXX about the same accident. The amount claimed in the letter is {$10000.00}. 

CFPB states that I have the right to, " An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. '' As well as, " Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. '' And, " An end date for a 30-day period when you can dispute the debt. '' None of this information was included in any of the letters that I received and will attach. I was never notified of my right to dispute the debt if I believe the debt was not mine. 


I spoke with someone on the phone shortly after receiving these claims explaining that there was not enough information or evidence that this accident involved me. I was not in an accident on XX/XX/23. The car that they claim to be in the accident is not a car that I have ever owned or driven. In the original call they claimed that there was a police report that included information that was not related to me. After explaining this over the phone, the representative assured me that contact would cease. I am still receiving calls as of XX/XX/23.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I've repeatedly ask that this Credence Resource Management provide me the necessary information pursuant to 15 usc 1692g legally it is my right that I'm provided this information also a statement of bills are not validation of debt.
Consumer complaint received 2018-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

On XX/XX/2018 we went to XXXX XXXX Dealership in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. 
We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. 
Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX Calif. EXPERIAN RESPONDED TO A RECENT CFPB COMPLAINT THAT XXXX XXXX XXXX XXXX   IS NOT THEIR COMPANY I HAVE ASKED FOR INFORMATION AND OR THE USAGE OF THIS INFORMATION THE USAGE AND THE AUTHORIZATION THERE ARE OVER 35 INQUIRIES PLEASE EXPLAIN?
Consumer complaint received 2021-08-12
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. (FL)

In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to XXXX XXXX and TransUnion along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from identityiq they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Refinanced a 2nd home loan for {>= $1,000,000} - 4 individuals on the loan but only the first 2 individuals are listed on the refinanced loan. 
The loan servicing was then transferred to Pentagon Federal Credit Union. 
I am listed on the loan and I am the designated person to handle the payments. However, I can not obtain the monthly mortgage statements. 
XX/XX/2021 - initial call to PenFed- they identified that I was on the loan and placed an internal request to have all 4 individuals ( including myself ) linked on the account so that I would receive mortgage statements. Was told 5-7 business days. 
XX/XX/2021 - 2nd phone call and told request was still pending and that they could not do anything else about it. 
XX/XX/2021 - 3rd phone call and told yet again that the request was still pending with no timeline to completion. Immediately after I sent an email to PenFed ( with cc to XXXX XXXX XXXX ) requesting timely completion so that I can obtain the monthly mortgage statements. Despite my online access to PenFed, the loan information is still not linked to my account and I can not even confirm that the loan payments are arriving correctly. I believe one of the parties on the loan may be receiving statements but he lives 20 miles away. 
Today, XX/XX/XXXX, XXXX checked online and still no linkage to the loan information. I have not received any response from PenFed to my email.
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MN)

I purchased a XXXX XXXX XXXX XXXX using the my Synchrony CareCredit card. After I submitted the order, I was notified about a day later that they can not deliver the machine due to COVID 19 or they could put it together " outside or in the garage. '' There was no option to cancel the order, and I responded back to the inquiry from the delivery company asking for alternatives. I have attempted to call CareCredit/XXXX  4 times and been on hold for hours. I have not accepted this merchandise and can not receive delivery under the conditions that the company is offering ( I live in a 4 story complex and don't have a garage ). I would like this charge reversed in full on my CareCredit charge account and the merchandise returned to XXXX. This is the only workable solution.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (TX)

On Friday XX/XX/2022 I received an alert regarding my PNC Bank Savings Account in which a check was provided for payment in the amount of {$2000.00}. My savings account was over drafted due to this fraudulent activity. What is most concerning is that the check is coming from The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is made payable to XXXX XXXX. This check fraud because it has my savings account number on the bottom of the check. I have never in my 40 years of being a banking customer had checks under my savings account. This the 6th time that my bank account with PNC has been targeted for fraud. I have been informed numerous times that my accounts are on high fraud alert, and I just don't understand how this problem keeps happening with no consequences to these fraud thieves. I have taken all the necessary precautions to protect my credit and my bank accounts personally and the problem hasn't been solved. I am currently still waiting to get my money back from a previous dispute regarding a check that was cashed for {$2000.00} back in XX/XX/2022, and now this other fraudulent transaction happens again, and I am left with once again going through the dispute process and bank account changes. Your attention to details on this matter is crucial and needs to be properly investigated.
Consumer complaint received 2021-03-26
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. (FL)

These accounts and inquires are not mine. Its identity theft. Someone used my personal information. I am very distressed that due to Identity theft, bureaus have included the below information ( accounts and inquires ) in my credit profile and have failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports they publish. I can not understand why this misleading info is still reported in my credit profile and why I have to suffer due to this fraud? Please help me and apply investigation as I can not handle that anymore! I want you to help me and delete these accounts and inquiries. 

Thank you for understanding
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CA)

Hi There, I recently refinanced and paid off the mortgage from United Wholesale Mortgage ( UWM ), and have requested to get the balance in my impound account through check. According to the conversation with UWM agents, I was supposed to get the check by last week. After waiting for 2 extra two weeks, there is nothing returned. Here is my loan number, hope CFPB could help with this. 

Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2018-09-29
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. (NY)

I have contacted XXXX, TransUnion, and XXXX about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (IL)

I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-06
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate, invalidated and questionable items on my credit report and to this day it's been over 45 days later and I have not received a response concerning this matter. I feel like I am being ignored on this very important issue that's impacting my financial situation and credit worthiness. Section 611 plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from ones credit report. In my case it has been 45 days and counting so they should be deleted promptly. 

I demand these accounts to be delete immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong people.
Consumer complaint received 2018-09-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Last month i spent countless hours with Toyota Financial representatives over the phone, and I was assure that everything would be done and corrected in regards to those late payments. Then, I was shocked when I reviewed my credit report today and found late payment on the dates below which they had mentioned that it would be taken care of and updated with the credit bureaus. 

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - XXXX XXXX ( 4 months ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements, but I also know that my bank had internal issues where I finally had to completely changed the bank. Again, my only thought is that my monthly statement did not get to me, or that internal bank error that caused the money not to be automatically sent to you.
Consumer complaint received 2021-09-21
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. (NV)

Around XX/XX/2021, I noticed a collection appearing on my Equifax XXXX XXXX Credit Reports from XXXX XXXX XXXX in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both Equifax XXXX Credit Bureau. I received Equifax XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by Equifax report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and Equifax credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. 

Thanks in advance
Consumer complaint received 2021-04-06
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: WELLS FARGO & COMPANY (CT)

I've been using XXXX XXXX to work on bringing my credit score back up after significant medical bills, decreased wages and divorce. 

What should have been a simple correction on XXXX XXXX XXXX part, by them contacting XXXX to get them to bring my information up to date on my car loan has turned into a nightmare with me going around in circles with different representatives at XXXX who have told me everything from : 1. " it ( the loan ) doesn't belong to you ''. 
2. " Wells Fargo deleted it when I disputed the balance ''. 
3. " Hold on and I'll forward your call to our 'Specialized Team ' to assist you '', then the phone disconnects. 
4. " your account has been suppressed ''. 

XXXX XXXX made it clear that it was XXXX who should make the correction not Wells Fargo. 

It's definitely my loan, I still have another couple of years to pay it off best case scenario. All they had to do was correct the incorrect balance amount that they had on file that was making my score lower than it should have been. 

My score has now dipped 17 points because of this error! 

When I tried to fix it myself online the system refused to let me in and I got repeated error messages. 

It makes absolutely no sense why Wells Fargo would delete the information with XXXX  when Wells Fargo is currently reporting the correct information to XXXX. 

I believe XXXX is the one who deleted the information in error and instead of apologizing for their error and fixing it they've taken this inhospitable strange stance. 

Please help!
Consumer complaint received 2021-04-06
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: Phoenix Financial Services LLC (MI)

On XXXX XXXX Phoenix Financial SE added a derogatory mark on my credit report per XXXX XXXX, XXXX  app and annualcreditreport.com. Upon further research this account was transferred/sold and I am and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Phoenix Financial has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MS)

Over the course of XXXX and XXXX, 2018, I paid over {$2500.00} to Global Client Solutions, a debt-settlement company. Due to circumstances beyond my control, I was forced to close my account with them and requested my money back. All they sent me was a check for {$170.00}. I am XXXX and need that money back desperately. Can you help me retrieve it?