davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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: Professional Collection Service Inc (GA) (AL)

XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND XXXX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX  AND XXXX  STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO PROFESSIONAL COLLECTION THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX  '' THIS Was SAID AFTER I ASKED PROFESSIONAL COLLECTION HOW THEY VERIFIED MY DEBT TO XXXX AND XXXX NOW DUE TO PROFESSIONAL COLLECTION NOT VERIFYING DEBT AND XXXX HXXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX  AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/XXXX, we paid off our XXXX XXXX credit card and sent a check for full balance and a note to close the acct. Thereafter we learned without our knowledge that XXXX  XXXX XXXX, XXXX was charging an additional {$150.00} stating we still owed this amount from XXXX XXXX. We called and stated this was unfair accounting practices after the fact and they used abusive language stating we owed and they would garnish our payroll and take our property. We stated we did not make any purchases after the account was closed and for them to justify what is the new charges for. Midland refused to explain and continues not to send us any justification. 

Recently we sent copies of our check and note to XXXX and Midland stating here is the evidence and you need to close out your fraud acct and remove from the credit reporting agencies. 

Midland and XXXX refused and insulted us with a simple letter that they are updating the debt to reflect XX/XX/XXXX. We asked again what are these 4 year old charges for  and to date they refuse to justify. 

This company is punishing consumers with a one-sided demand and ruining consumers credit with Account Identify Theft. This company is fraudulently reporting untrue claims on a consumers credit report without any appeal or solution to the problem. CFPB needs to change the way the credit and collection agencies can arbitrarly go into a consumers credit acct, overcharging and place negative ratings without clear justification or appeal process. We feel they are targeting XXXX consumers who are trying to build their creditworthiness especially when a consumer knows nothing about the charges.
Consumer complaint received 2022-04-27
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: Exeter Finance, LLC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-12-02
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. (AL)

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) .And also all the accounts that need to be removed on my credit report because they're clearly not mine.
Consumer complaint received 2023-07-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

PORTFOLIO RECOVERY ASSOCIATES , LLC I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the XXXX XXXX XXXX. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/2022 I went to Wells Fargo to deposit a check and to get a advancement on a credit card. The teller by the name of XXXX stated that she could not deposit a check I wanted to deposit due to a notification from her efforts of depositing. Not sure what she really meant, but none the less, she could not make the deposit. So, I moved on to the credit card advance. I asked for the advance to be in the amount of {$100.00} and the transaction was successful. The problem is when I called XXXX XXXX credit company for information they stated I took out a credit card advance in the amount of {$150.00} which is not true. The credit card company also froze my card and prevented me from making further transactions. I'm complaining because the teller received some type of notification on her computer screen that is affecting me at another bank, XXXX XXXX Credit Card company and my card is no longer available for use after my visit to Wells Fargo Bank.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I attempted to refinance my mortgage through AmeriSave Mortgage company. I received an initial loan estimate with a closing cost of {$5600.00}. I was told that here was an application fee of {$500.00} but was told that that would go toward the appraisal so don't worry. Appraisal was done and a closure disclosure was eventually emailed with a closing cost of {$8000.00}. Almost @ XXXX difference. I had 5 days to sign documents or my loan process would be closed. I have been calling to discuss the change for the last 2 weeks and no one answers the phone throughout the company. Have left over 20 messages with the loan officer and company. There is no way I would sign anything without first talking to someone. I've used different phones to call from thinking that maybe they wouldn't recognize my number. I guess that they assumed that since I paid my {$500.00} I would be pressured into signing the documents so I wouldn't lose my money. The old bait and switch.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (AZ)

On the date XX/XX/XXXX I applied for a pre approved auto loan with XXXX XXXX XXXX XXXX upon being accepted for a XXXX dollar auto loan, which included GAP. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a XXXX XXXX which left car totaled. At the time I was one month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to XXXX XXXX they also told me my GAP didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.
Consumer complaint received 2020-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2020, there was an authorized transaction of withdrawal for {$200.00} at an ATM machine in XXXX. However a second and third attempt were made to withdraw the same amount of money and a communication error was received. Cash was not released for those two additional attempts. I have a receipt showing the communication error for these attempts. However, {$200.00} was debited from my checking account twice. The second time, no money was released and therefore I should not have been debited for the {$200.00} the second time. I have documentation from the bank in XXXX confirming this as well as the receipts from the ATM stating the communication error however TD Bank has not credited me for the 2nd attempt, in which no cash was released.
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

I have had a loan with XXXX XXXX for about 2-3 yrs, then it changed to Navient and I have been needing assistant with repayment or at least trying to make payments on my loan but could not afford to make the payments because they were to high. They company always offer a forbearance as the first option but nothing else. I am highly frustrated because this loan affects my credit score and any loan that I have ever applied for. I need help to get this taken care of.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (MS)

On XX/XX/2023, Trans World Systems put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what shouldhavehappened.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that Navy is reporting credit card with 2 different account numbers ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX, XXXX, XXXX ) XXXX my name. 
This is not an acknowledgement of debt. 
According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. On the XXXX report its showing as derogatory while the others are showing as paid. 

3. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. 
As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2020-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (AZ)

I think it's important to note that I've had a credit card with Bank of the West for seven months before this happened. 

I was solicited by Bank of the West to open a checking and savings account. Because of COVID, I used the online account opening process. My accounts were initially opened in about 3 hours, and I was going to go make my opening deposits in the branch the following day. 17 hours later ( thankfully, before I wasted time sitting in the drive-thru, or then I'd be really mad ), I received an email that my account ( s ) were being closed " based on a secondary review. '' Since the employee had no other data than what would show on a consumer report because there hadn't been any transactions, and I doubt the employee did it just because he felt like it, there was most assuredly a requirement to provide me with an adverse action notice stating the credit reporting agency that was used and the REASON as required by the FCRA. 

I've heard of customers that can't get any account, only a savings account, a savings and checking, but I've never heard of anyone with a positive credit account at a bank being denied a checking account. 

There's another story on here where a customer was told to drive to a  branch to get things fixed, and it wasn't. I was told something similar. " If you open the account in the branch, you might be able to get an account because they use different procedures. '' I called the branch, and was told, " Don't bother. It'll just get closed again. '' These people will shut you down, and it will be inconvenient, costly, or ruin your credit. I was lucky in the sense that it happened before I made my opening deposit. If they'd have done it afterwards, I'd have been in a world of hurt having to wait for them to take their time refunding my opening deposit.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (SC)

Honda finance corporation sold my loan after XXXX XXXX paid the vehicle off and harassed me to pay the {$900.00} balance due after they fraudulently added on EVERYTHING they could which ultimately left me with a {$28000.00} Honda XXXX! They also FRAUDULENTLY told me that I had to pay a {$5000.00} down payment to drive off the lot! The FINANCE CHARGE IS THE SUM OF ALL CHARGES! They also never disclosed to me my right to rescind! Honda finance corp has repeatedly violated my consumer rights, FCRA " This law is as clear as dayl as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Further, 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

When I looked at my credit report, there was a collection account that comes from Southwest Credit Systems. It showed that I owed a total amount of XXXX debits. But actually, this is not mine. When I contact XXXX to dispute it, they said this debt is under someone else 's name. I believe this is a fraud. Also, there is a closed XXXX  XXXX XXXX account that belongs to this guy showed in my report. It's also a fraud.
Consumer complaint received 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.
Consumer complaint received 2019-08-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (UT)

I was contacted on XX/XX/XXXX by XXXX XXXX XXXX in regards to scheduling a signing of Mortgage loan assumption paperwork issued by Provident Funding, the current holder of my Mortgage note. I called Provident Funding on XX/XX/XXXX and asked them if they would please send me a copy of the documents so that I may review them prior to scheduling a signing. They stated that they would send me a copy via email. To date I have not received a copy of these documents, also, to date, they have refused to send me a copy of the loan documents, stating that the loan documents do not yet exist.On XX/XX/XXXX I contacted XXXX XXXX to schedule a closing/signing on the mortgage loan assumption. I gave the Title agent my availability for XX/XX/XXXX, any time during the day until XXXX XXXX.Provident Funding has refused to send me a copy of these assumption documents unless I first agree to schedule a signing date and time.
Consumer complaint received 2017-12-21
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. (TN)

I paid off a balance a month ago plus two derogatory remarks came off my account and my credit score went down plus the show the balance I paid off as still being there The amount is {$12000.00}. fora XXXX XXXX credit card it show I still owe it. as per equifax, and they have since updated my records 4 time. Also shows my credit age as 3 months 6 years when it is closer to 8 years. Also XXXX shows I havXXXX 2 open accounts equifax says 14. Lets get it together huh, people, this has big impact on peoples lives everyone wants us to have a good score but none accurately keeps one
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

We have a mortgage through Cornerstone Home Lending that was closed on XX/XX/XXXX. We set up escrow at the time that the loan was closed on and have been paying extra into the escrow account since the loan 's inception. Our county sent our XXXX property tax bill to them, there were 2 bills sent due to the way the property is set up. Cornerstone paid the first payment XXXX {$950.00} XXXX in XX/XX/XXXX out of the escrow account but ignored the 2nd bill, which was due before XX/XX/XXXX. 

We received a delinquent tax notice from the county ( XXXX ) on XX/XX/XXXX due to the 2nd bill ( {$750.00} ) not being paid. We contacted Cornerstone, informed them, and sent the delinquent tax notice to them on XX/XX/XXXX. They indicated it would take 10 business days to research the issue. The money is in the account to pay the bill ; however, they have yet to pay it despite several follow up calls. Cornerstone has told us multiple times they will pay the bill out of our account and they will cover the late fees and to check back with them in X days. The last call with them, they said it would be paid on XX/XX/XXXX and that batch processing would process and it would show as paid on XX/XX/XXXX. As of XX/XX/XXXX, the bill is still unpaid and has additional late fees added to it.
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Collins Asset Group, LLC (CA)

Collins Asset Group claims I owe them $XXXX for a car loan from XXXX XXXX  XXXX. The account number is XXXX. I don’t know anything of this account. I disputed this account on XX/XX/2019 as a fraudulent account and Collins Asset Group sent me a fraud contract with false addresses and fraud drivers licenses, and other fraud documents that I’ve never seen before.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There are 2 Fraudulently reporting XXXX XXXX  accounts showing on my Equifax Report with balances of $XXXX and $XXXX; There is also an unknown fraudulent account with a balance of $XXXX that was opened on XX/XX/2015 showing on my Equifax Report; and there is a fraudulent XXXX XXXX account showing on Equifax with balance of $XXXX. Please assist me in getting this account removed from my credit report. It does not belong to me.Also there many inquiries showing on my Equifax Credit report that was not authorized by me. Please remove the following inquiries:XXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXX