davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

Experian allowed a paid charged off creditor to add derogatory information to my credit file that was incorrect. When Experian added this incorrect derogatory information to my file my FICO score to drop 21 points. XXXX XXXXXXXX XXXX. Instead of updated my account with a XXXX   balance XXXX put the same derogatory back on my file. Once I made a dispute to remove personal consumer comments from my Experian credit file this decreased my credit Fico score.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CN Collections, Inc. (MD)

On XX/XX/2018 and many prior dates Ive been getting Robo calls ( automated calls ) repeatedly that instructs me to callback with threats about incarceration for a debt that I do not owe. I have called back the numbers and told them to stop calling repeatedly.
Consumer complaint received 2022-12-29
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NY)

I have been repeatedly charged interest by this collections agency when I have enrolled the company in national debt relief months ago. They already know I can't do anything else they failed to sue me a while ago because all I receive is SSI. Now I haven't enrolled with national debt relief with less than they say I owe now because they keep racking up the interest I don't even think they're looking at this settlement attempt! Every other collection agency has been fine but these people keep reporting collections increase for my credit report every month! I'm trying to settle this debt they are not making it any good experience
Consumer complaint received 2022-09-15
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (VA)

I am writing to file a complaint against Chrysler Capital for wrongfully indicating a derogatory reporting on my credit score in 2019. I held a lease with chrsyler capital which was ending in XXXX of 2019. I traded the vehicle and purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX We closed the deal and I turned over my trade in on XX/XX/2019. The dealership was to pay the pay off on the lease vehicle for an amount of {$26000.00} within 10 days which they failed to do. After follow up, they issued a payment but it was an incorrect amount. Chrysler Capital would not deal with me and allow me to pay the balance in order to avoid a late payment and negative impact to my credit score. They would only accept the payment from the dealership. Again the dealership was late providing the payoff check to Chrysler Capital. After many dealings with the dealership and Chrysler Capital over a period of two months, my trade in was paid off. However Chrysler Capital indicated that I was 60 days late on my payment. I was able to have them reduce to a 30 day late, however after attempting to eliminate any derogatory indicator, they would not work with me and would only refer me to the credit bureaus. I feel this should not have been viewed as the fault of myself the consumer, and this negative report on my credit has caused me to pay higher interest rates and significantly reduced my availability to receive credit, loans, mortgage etc. I request the assistance of the CFPB to advocate for me in this matter with Chrysler Capital. 

Thank you, XXXX XXXX
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

I have been paying from XX/XX/XXXX each month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment in XX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXXpayment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

Ability recovery services llc is trying to collect on a said medical debt and they are not bonded in the state of TX. The debt was Added to my credit report XX/XX/XXXX in the amount of {$670.00} without any documentation
Consumer complaint received 2020-07-22
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. (DE)

on XX/XX/20 I sent a letter to XXXX  and Transunion regarding failure to respond deletion regarding account XXXX XXXX  and as of today neither company has responded nor provided proof of this debt
Consumer complaint received 2018-07-06
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: I.C. System, Inc. (TX)

To Whom It May Concern, The reason for me filing this complaint is due to IC System Inc failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Consumer complaint received 2022-09-15
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2022-09-15
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-25
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. (WA)

Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-04-09
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. (OR)

My parent plus student loan provider was recently changed by the US Department of Education from XXXX XXXX to XXXX. I did not request this change. The loan was transferred without my consent, apparently they can change providers as they deem appropriate. My score dropped XXXX points in one day due to the account being CLOSED. Ill get dinged again when the new lender reports a NEW account. This is not accurate reporting and the XXXX credit score model is obviously flawed. Im being penalized for a decision the US Government made for me ; or their loan servicing providers did. There has been no change in the amount due on the loan. It was a loan serviced change only. Not a closed or new account.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo sent me a letter stating that my mortgage had an escrow shortage. I paid it for a specific amount. Wells Fargo applied that amount to my principal instead of my escrow shortage. XXXX XXXX is the customer service agent. She stated that I did not provide any instructions with my escrow shortage payment. 
I have made all of the payments through my own personal bank for several years, including escrow shortages. Wells sent the letter with no instruction to me that I had to provide instructions for the payment. I never have needed instructions before. This letter does not say that I have to provide instructions. Instructions how exactly? I have never provided instructions before. 
XXXX told me that I did not provide instructions with my escrow payment. The letter did not state that I needed to provide instructions. XXXX stated that it is in the mortgage when I closed. Well, I did not close with Wells Fargo. I closed with another provider and Wells Fargo bought the mortgage. Now Wells Fargo has sold the mortgage to XXXX XXXX and I have to call XXXX XXXX. 
The Escow payment was applied wrong by Wells Fargo and now my mortgage payment has risen to where I am now paying off the shortage- which I paid and Wells Fargo messed up. 
XXXX stated that this they did not make the error because I did not provide instructions ... to paying money that they asked for ... and not telling me that I needed to provide instructions. Wells Fargo is terrible, unethical, and crooked thieves.
Consumer complaint received 2022-09-15
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. (FL)

n 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 a account without my written instructions
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation (GA)

As stated in the Prior complaint I am Requesting all Legal documents that hold me Liable for said Alleged debt I don't assume any Debt Nor do I owe a debt have them show me the law that shows a Federally protected consumer owes a debt. I'm invoking my consumer rights and demanding XXXX XXXX XXXX a debt collector Cease reporting to all Consumer reporting agencies Immediately they violate federal Code 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I'm also requesting to opt out of my non-public information being reported under title 26, title V of the Gramm-Leach-Bliley Act opt me out! 
15 U.S. Code 6802 - Obligations concerning disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is explained how the consumer can exercise that nondisclosure option. I wasn't given any option
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

Hello. Unable to repay current loan due to financial hardship directly impacted via COVID-19. Was able to sell vehicle. I have made every single payments on time or even more money. Company will not issue a deferment payment.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my account on XX/XX/2018 for my cards ending in XXXX, XXXX, and XXXX. The stated reasons were " because our affiliate is ending its banking relationship with you. '' I do not understand which affiliate Chase was referring to because all my bank accounts and credit cards are still fine with other institutions. 
I am seriously concerned that a recent interaction with a Chase representative has resulted in him flagging my account because I am a transgender.
Consumer complaint received 2022-09-15
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. (GA)

As stated in the Prior complaint I am Requesting all Legal documents that hold me Liable for said Alleged debt I don't assume any Debt Nor do I owe a debt have them show me the law that shows a Federally protected consumer owes a debt. I'm invoking my consumer rights and demanding XXXX XXXX XXXX a debt collector Cease reporting to all Consumer reporting agencies Immediately they violate federal Code 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I'm also requesting to opt out of my non-public information being reported under title 26, title V of the Gramm-Leach-Bliley Act opt me out! 
15 U.S. Code 6802 - Obligations concerning disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is explained how the consumer can exercise that nondisclosure option. I wasn't given any option
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-02-02
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. (SC)

XXXX sent me a letter to settle my account ending in XXXX for {$790.00}. In XX/XX/2022, I contacted the company and remitted payment for this account to settle it. XXXX representative said that the account would be reported as settled for less than the amount due and I would receive a cancellation of debt. 

This account is inaccurately showing up on my credit report as still having a balance. I contacted the company today and was met with rude customer service. The representative told me to contact the credit bureaus to resolve my issue which is violating my rights under consumer protection laws and FCRA. The account is adversely impacting my credit due to the deceit and fraud from the representatives.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I've contacted PRA several times about an open collection account I have with the company. I have tried on several occasions to settle this debt, but the representatives will never put the settlement offer in writing until after I have already sent a payment.

I have even hired an attorney to deal with PRA, but they will not put anything in writing in regards to the settlement offer when corresponding with him either.
Consumer complaint received 2021-03-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One Auto Finance I have received unsolicited communication from Capital One Auto Finance making a demand for payment for an alleged debt. In accordance with XXXX XXXX XXXX, these are the actions of a 'debt collector. ' These actions show breach of trust and fraudulent misrepresentation ; are fraudulent and misleading ; they include the use of coercion, threats, and harassment to procure fraudulent unlawful and illegal payments for an 'alleged debt '. I made the initial extension of credit in full consideration and satisfaction by my signature/autograph transmitted to Capital One Auto Finance. These debt collection actions violated XXXX XXXX XXXX ; THIRTY-NINTH CONG. SESS. XXXX CH. XXXX, XXXX. XXXX, page XXXX, XX/XX/1867 CHAP. CLXXXVIL ; XXXX XXXX XXXX ; Fair Debt Collection Practices Act ; Emergency Banking Act of 1933, and Proverbs XXXX. Capital One Auto Finance can not deny that I am the creditor. They can not deny that I am the consumer. These debt collection actions have caused mental and financial distress, stress / hardship.
Consumer complaint received 2018-07-08
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. (TX)

About a month ago i reached out to transunion about 4 different times. I advised them of the Identity theft that has occurred and that there were transactions that i am requesting be blocked due to my FCRA Rights. I sent in my Law Enforcement Affidavit. They blocked one account, and then later re add the account. I am requesting the XXXX/XXXX  or XXXX/XXXX XXXX Account 's be blocked. These are fraudulent. I did not apply for any new cards with XXXX. I did not apply for this card, they never sent me any cards never sent me any statements and i do not believe i should be held liable for a Fraudulent account especially since i have already had this blocked and you re added it. PLEASE BLOCK THESE FROM MY CREDIT FILE. Delete them, and do not re add them. Additionally you have added an account that says XXXX this is also fraudulent. I did not open this account, and back when i previously reported this you stated you blocked all XXXX XXXX information from my credit report. These are bringing my Credit Score Down. These are negative accounts that i did not authorize nor did i ever receive any products from these. 

Additionally Transunion will not allow me to access my security freeze to temporarily lift it or anything. I have gone to the Freeze.Transunion.Com and Signed in. It does not allow me to do anything and says to either mail in my request or to call. Please fix my login so that i can access the freeze site.