davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: BRite Financial Services, Inc. (TX)

I am leasing from brite financial serv. On my credit report the amount on the auto loan is reflecting as if I am late on my payments because the loan amount goes up and down. This problem is cause my scoring to goes down. 
I asked a lady why is this doing this she stated that it should not reflex a balance at all since I am leasing but when I told her a balance was reflecting she did not know why. my lease end in 2020 I am trying to buy a house and this issue is not helping. Please help resolved this issue
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I got an alert there was a change to my credit report on XX/XX/2018 a CITICARDS CBNA  flagged on XXXX   Account type  Affected by natural or declared disaster balance USD XXXX 
I did not apply for this account I suspect Fraud.
Consumer complaint received 2024-03-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shellpoint Partners, LLC (KY)

I have a zombie second mortgage I'm being sued for in the county I live it. The property went into default in XXXX and it was foreclosed on in XXXX. I was evicted from the property and have not heard anything on this debt from XXXX. I have since moved on and was not aware of this debt. It was removed from my credit history and I have been able to rebuild my credit and purchase a new home. 

The suit claims it is with XXXXXXXX XXXX XXXXXXXX. Even though I was working with XXXX XXXX at the time to refinance the mortgage. However, in XXXX I received a car loan from that same bank. They didn't flag my information at that time to inform me that I owed XXXXXXXX XXXX XXXX. 

I though this mortgage crisis was behind all of us. The banks got away with it. None of them when to jail for mortgage fraud or predatory lending. The servicers didn't work with borrowers in good faith at the time of this crisis. So much for HAMP and 2MP. The banks get the bail out and we still have to deal with the mess 14 years later.
Consumer complaint received 2023-04-01
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-04
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: Mr. Cooper Group Inc. (GA)

They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I was affected by XXXX  I was in the hospital for a week which caused me not to work do my finances decreased. I had a payment plan set up but didn't hve the money when it was dueXX/XX/2021  due to other bills I had that were also past due which are still past due! When I received the call that I needed to set up a payment I did say a date but again being in the hospital from XXXX my finances didn't meet now XXXX  affected me very bad I had XXXX. I did let them know I was in the hospital but it seem like they were not concerned just wanted money! Till this day XXXX still haven't returned to work because of my breathing so I'm past due even more I was admitted on the hospital XXXX XXXX 2021 and released XXXX XXXX 2021 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The company is called CREDIT ACCEPTANCE! 
THE DATES THEY CALLED XXXX XXXX XX/XX/XXXXXXXX and XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the month of XXXX
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ONLINE Information Services, Inc. (NC)

On XX/XX/XXXX or about I received an alert on my credit report about outstanding balances with XXXXXXXX XXXX XXXX first amount was with XXXX XXXX XXXX XXXX  amount was removed after I submitted evidence that I was not the responsible party also received a letter from the company. Second amount was with another Collection Agency Online Information Services for XXXX .I sent two letters last of which one was certified mail on XX/XX/XXXX. I also sent letters to the hospital with no response. On my XXXX Credit report all amounts were taken off one amount for appx. XXXX was added and taken off. After I disputed the debt with documentation to XXXX   they no longer report inaccurate information with Online Information. I've made countless calls to Online Infomation Services and discussed the issues with the Incorrect reporting Last call was on XX/XX/XXXX when I received a call at my home after on XX/XX/XXXX I discussed that I would continue to dispute this matter and it was a clear violation of the fair credit reporting act there was no reason to call me again. After I made it clear I would be disputing this matter seemed like retaliation or intimination tactic given such a short time frame since we discussed the matter. I also asked them not to continue calling and got the Managers name who handles the accounts.I 've received double bills for the same service at XXXX XXXXXXXX XXXX XXXX XXXX XXXX customer service advised me they were the sole providers for the XXXX  portion of my son 's bill at XXXX XXXX  XXXX Insurance paid XXXX I owed XXXX   XXXX XXXX  sent another bill for the same service charged excess of XXXX I paid the Doctor that performed the XXXX   directly billed XXXX. An Agent or Physician with XXXX XXXX   XXXX.I questioned this bill with the Bill Service manager also discussed the XXXX room rate and the M/S charge for XXXX She simply stated that was the bill " Let me know when you find something out '' .I filed a dispute with XXXX  with the same information they verified it as accurate on XX/XX/XXXX. Given the Inconsistant balances taken a item on and off report by this firm. XXXX and XXXX failing to answer questions about the double billing practice with the Hospital, Physician and XXXX. Failing to return countless phone calls or return letters from the Hospital. I stongly believe this debt to be unlawful and the Validity and Integrity is in Question. Please help me with this matter I feel it is unlawful business and does not reflect consumer reporting practices. Thank you.
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AXOS FINANCIAL, INC. (ID)

Institution Name : Axos Bank Account/Product Type : Auto Loan Account Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Country : United States Email Address : XXXX Phone Number : XXXX I have not been able to log in to their website to review my account information for almost two weeks. I can not review account information or make principal payments. 

This is not a user problem, I am a XXXX XXXX of over 20 years and have tried multiple XXXX XXXX XXXX XXXX. The system says it has to send an email confirmation, and it doesn't work. I have checked my mail server logs, there is no email sent from Axos bank. Even if it did work, the field where you would enter a code does not accept keyboard input. 

Their customer service had me on hold for an hour, and when they finally returned, not even they could get into my account to retrieve information. 

I can not make additional payments or review my account information for interest charges. They can't even access this information themselves. 

Their customer support email is a series of canned responses and complete indifference, " looking forward to serving me with superior products '' that don't even work.
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX ACCT XXXX XXXX, Has violated my rights XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Im writing because of an ongoing urgent issue on my Capital One account. I ordered a cashiers check in the amount of {$7100.00} ( posted on XX/XX/21 ). We were tracking XXXX for the delivery and saw that the status of the cashiers check read delivered yet it wasnt at our location. We contacted XXXX and they stated that they will urgently GPS track driver and reach out to him. We also reached out to Capital One and notified the representative on the same day ( XX/XX/21 ), who stated they can not place a stop payment on the check without a notarized affidavit and to instead reach out to XXXX ( which we were already in the process of reaching driver ). So per capital one no stop payment could be done. The XXXX driver on the same day came back to our home with the envelope from Capital One and apologized for the confusion. Please note, per your website delivery of a cashiers check requires signature, however, per your agent, they no longer require this due to covid. 

Finally, we delivered the cashier check to XXXX XXXX for a car purchase. A few days later, XXXX sent us an image of his check coming back as fraudulent/altered. We immediately contacted Capital One who stated a stop was placed on the check at our request ( we did not fill out a notarized affidavit nor were we told this could be done ). We asked the rep to unstop the check ( they stated this has never been done ). They stated they will reach out to their escalation team that can only be reached via email and they will call back in the next few days. We called back numerous times over the next few days with the same response. The car seller, however, could not wait days for a car that we already had so we then had to write a separate check to him. 

Please assist with this urgent issue. We called back and told multiple reps that since we havent heard back from capital one at all to not unstop check and send an affidavit. Last week we were advised this would be sent via email in 3-5 business days yet no email was sent to us. No representatives have been helpful, we have received no help whatsoever for an issue that was a Capital One error. We would like a refund ASAP as this experience has left us with so much stress and an incredibly frustrating experience dealing with lack of care from everyone we have spoken to so far. We have reached out every possible way and the only answer ever given is, " We will have to escalate this and have someone return your call ''. This has never happened.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I went to the website for XXXX XXXX XXXX and wanted to purchase a treadmill. The site said that I could prequalify for 0 % interest payments on one of their treadmills. The site said - it will not hurt your credit to prequalify. I went along with it and the site told me I was qualified. At Checkout, the rates changed from 0 % APR to 15.9 % APR. By this point they had subsequently done a hard pull on my credit so I completed the checkout, but it felt like I was baited and switched and feel like the company should honor their initial offer of 0 % interest on the equipment. Nowhere did it state this rate may change later in the process.
Consumer complaint received 2022-01-09
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. (PA)

i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to XXXX XXXXand experian about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX/ XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. XXXX XXXX XXXX/ XXXX XXXX   did not send me any notifications or my 30 day right to dispute letter. XXXX XXXX XXXX/ XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A XXXX XXXX Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called XXXX XXXX Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XX/XX/XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My TransUnion And XXXX 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At XXXX XXXX Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because OfXX/XX/XXXX XXXX Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Mr XXXX XXXX XXXX REQUIRES AN IMMEDIATE INVESTIGATION OF FRAUDULENT ACTIVITY ON A USAA VISA CREDIT CARD ACCOUNT XXXX CREDIT REPORT IN THE NAME : XXXX XXXX XXXX ILLEGAL DATE : XX/XX/XXXX FRAUD ILLEGAL HIGH BALANCE {$350.00} FRAUD ILLTHEGAL CLOSING DATE : XX/XX/XXXX MR XXXX REQUIRES WITHOT FAIL A CRIMINAL INVESTIGATION IMMEDIATLY ON A CRIME OF STEALING MY PERSONAL INFORMATION THIS IS AN ISSUE THAT WAS FIRST REPORTED ON XX/XX/XXXX AND THE CLAIMANT DEMANDS AN FBI INVESTIGATION ON XX/XX/XXXX INVESTIGATE WITH IMPUNITY ALL CRIMINAL ACTIVITY BY CONTACTING USAA MEMBER ADVOCACY XXXX XXXX ( XXXX ) XXXX EXTENSION # XXXX IMMEDIATLY TO BEGIN A CRIMINAl INVESTIGATION IN COOPERATION WITH THE SECRET SERVICE AND FBI ( XXXX XXXX TX )
Consumer complaint received 2023-04-01
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

XXXX ended their credit card contract with XXXX XXXX  and entered a new one with Barclays Bank. Barclays sent the new card with instructions to activate it on XX/XX/XXXX. I have been unable to activate the card online, because Barclays can't verify my information. I can't register for a Barclays online account for the same reason.

I've called two different customer service numbers to get help. On XX/XX/XXXX, I was on hold for 46 minutes before I hung up. Today, XX/XX/XXXX, I have been on hold for 1 hour and 30 minutes, and no one has come on the line. Barclays does not have a chat that I can find. I can not email them because they can not verify me. Barclays has an IVR system that does not tell callers how long the wait will be, does not offer a call back system, does not tell callers where we are in their hold queue. 

I contacted XXXX today for help. They are aware of the delays, but they can not give me any other information about this situation.
Consumer complaint received 2021-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (MI)

I graduated in 2003, and immediately started repaying my Student Loans. I was paying ACS monthly in the amount of {$280.00} for over a 10 year period. At the end of the 10 year period I attempt to get a Public Service Loan Forgiveness and was denied, although I never missed a payment nor was I ever late on a payment. I was informed at sign up that I was enrolled in the Loan Forgiveness program. I have since had my loan serviced by 2 other companies, currently with XXXX XXXX. I have been trying to investigation where my funds of over {$34000.00} were allocated, as my student loans balance is still {$35000.00} only a few XXXX less than what it was before I started repaying in XXXX. 
I need help with Contacting ACS or Conduent  to track my payments. I am still being denied for Public Service Loan Forgiveness and I have been on the job now for 23 years. 

Please assist with this matter.
Consumer complaint received 2018-02-06
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

In XX/XX/XXXX I spoke to someone with Toyota Finance about the end of the lease payment in XX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX. 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.
Consumer complaint received 2018-03-04
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. (NJ)

I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.