davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I want to start off by saying that I am writing on behalf of myself. I am really concerned about how the credit bureaus have been ignoring my disputes. I do not know what is going on. I've disputed inaccurate information on my credit report three times already, and they have ignored my disputes every single times. Inaccurate information should not be on my report. This is against the law! 

This is really concerning to me also because I am a victim of the Equifax data breach and I know my information has gotten into the hands of the wrong people. 

I sent in my first dispute to the credit bureaus on XX/XX/2020, and nothing was done about my disputes. I sent my second dispute on my other accounts, and I was ignored again. I sent in a third dispute on XX/XX/2020, and I still haven't heard or received any results on their investigation. I feel like I'm being taken advantage of. It's been over 3 months! This is unacceptable. Please delete all of these inaccurate accounts from my credit report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MD)

Date : XXXX XXXXSent Mail & called regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. Violation of : Fair Credit Reporting Act, Privacy act of 1974,
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AZ)

XX/XX/22 I discovered the debt on my credit report XX/XX/22 I reached out to the original creditor, XXXX XXXX XXXX, to confirm the debt. They confirmed that the amount had been owed, but that I would need to call Consumer Collection Services to determine current balance owed. 
XX/XX/22 I reached out to the current creditor Consumer Collection Services ( CCS ) at XXXX Upon reaching the current creditor, I offered to make a settlement. They advised that doing a settlement instead of a full payment would negatively affect my credit report. So I made a full payment. During this process, however, I advised that I needed some sort of proof that I made a payment to the company in question. They advised that proof of payment wasnt available for 8 days after the payment processed. They did offer to give me a confirmation number, which I thought was going to be electronically provided to me because they asked me to enroll in their email notification program. 
Once the payment processing was complete, I found out that they were not going to provide the confirmation number electronically, and they would only provide it verbally. 
I escalated to a supervisor, because I needed proof of payment to provide to an apartment complex I am trying to live at. Once at the supervisor, I advised of the situation and she said there was no way for her to provide that information. I thought this was kind of weird, so I asked for proof of payment. She refused to provide me proof of payment saying that now that the account has been paid for she had no way of providing me the requested documents. 

She did offer me to send a letter by mail to CCS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX however that was only after I started demanding proof of debt, and that again doesnt help me prove even that the debt is real much less that the debt was paid within the 5 days I have to move into a new apartment. According to the supervisor, once an account is closed there is no way for them to provide records whether or not I mail them anyway so why would I waste my time.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (GA)

I have a fraudulent inquiry for FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And I am not able to get contact with them.
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (CA)

Bridgecrest issued my car loan with a XXXX % APR. The contract is simple interest. They do not send monthly statements. I have to call in and request a payoff quote plus the history of payments. In this history I see that despite being up to date with payments the amount of the payment applied to interest increases each month. Even when I pay earlier than the due date almost XXXX percent of the payment is going to interest. I last contacted this company on XX/XX/21 and the representative could not explain why my interest rate is higher even though the total loan amount is lower.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

On XX/XX/XXXX I sent 2 checks to select portfolio 1 ) XXXX check to principle 2 ) check also for XXXX for XXXX monthly payment. Company did not apply XXXX to principal as directed and is skewing interest vs remaining principal!! I have called several times to correct!! So payoff balance is XXXX higher then it should
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that XXXX had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe XXXX  {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to Experian, XXXX  and XXXX  indicating XXXX is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to XXXX. 

All three credit bureaus are reporting the following debt owed to XXXX  XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current
Consumer complaint received 2021-01-29
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. (TX)

I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that XXXX had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe XXXX  {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to XXXX, XXXX  and Transunion indicating XXXX is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to XXXX. 

All three credit bureaus are reporting the following debt owed to XXXX  XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current
Consumer complaint received 2017-12-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Precise Financial Group, LLC (WI)

Precise financial is reporting to the credit agency that my first date of deliquency is XXXX FCRA states date of removal starts on first deliquency if they are not original creditor how could this be if this was placed for collsction in XXXX
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

On XX/XX/XXXX I made a deposit on account to the XXXX bank XXXX XXXX XXXX XXXX XXXX for the amount of XXXX dollars, said company that provided the service is the XXXX XXXX and until today said money is not deposited to the account of the beneficiary. 
I have already reported my problem with the aforementioned company many times, but they only reimburse me the XXXX dollars they charged me for the transfer and they excuse themselves saying that the money has already been deposited to the beneficiary 's account, which has not happened, For this reason, I attach the account statements for the months of XXXX, XXXX and XXXX. too The beneficiary went to the XXXX bank in XXXX to see what was happening and they told her that this shipment does not exist, that such money has never arrived. 
It is worth mentioning that I continue to communicate with the company and now they hang up the calls, since they do not want to solve my problem, I demand a refund and also the documents where they support themselves to say that this money is already deposited.
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (NC)

XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-01-29
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. (GA)

Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount listed on the attachment. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

These XXXX accounts below I asked Equifax to verify these accounts on XX/XX/2022 and they still remains on my credit report. I am not understanding how these were verified when there were no information to contact the company that furnished the information. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

American Express closed my Blue Cash credit card, which had over {$2500.00} in rewards in the account. The did not allow me to claim my rewards as cash back, as I should have been entitled to do. In effect, Amex stole my cash back rewards. I filed a prior complaint about this - which also included a complaint about other Amex cards as well - Amex replied to my other complaint but completely ignored my complaint about the Blue Cash credit card. They are a bunch of thieves and fraudsters.
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Bass & Associates, P.C., Attorneys at Law (CA)

I ATTENDED XXXX XXXX COLLEGE IN XXXX XXXX ON XX/XX/XXXX & TOOK OUT A {$11000.00} STUDENT LOAN. IT SHOULD HAVE BEEN FALLEN OFF BECAUSE THE STATUTE OFCOLLECTING IS 7 YEARS AND BASS & ASSOCIATES COLLECTION AGENCY HAS BEEN CALLING MY CELL AND PREVIOUS WORK PLACES TELLING THEM I HAVE FINANCIAL ISSUES WITH THEM. I FILED BANKRUPTCY BEFORE AND THIS STUDENT LOAN WAS INCLUDED IN THE FILING. AM A SINGLE MOM AND IN A TIGHT BUDGET. SINCE XX/XX/XXXX MY INCOME TAX REFUNDS HAVE BEEN OFFSET AND I NEEDED THOSE REFUNDS TO PAY FOR MY RENTAL APARTMENTS, BILLS, AND CHILRENS EXPENSES. BASS & ASSOCIATED # XXXX ) XXXX ADDRESS IS XX/XX/XXXXXXXX XXXX, AZ XXXX. NOW MY TOTAL OWED ACCELERATED TO {$59000.00} AS OF XX/XX/XXXX VERSES MY ORIGINAL LOAN OF {$11000.00}. MY INCOME TAX OFFSETS SINCE XXXX SHOULD HAVE BEEN MORE THAN ENOUGH TO PAY OFF MY STUDENT LOAN OWED. PLEASE HELP ME LIFT OFF MY IRS OFFSET OF MY REFUNDS AND I DEMAND THAT THOSE REFUNDS BE PAID TO ME SINCE XXXX. XXXX INCOME TAX FILING IS ON HOLD FOR FILING BY XXXX XXXX UNTIL THIS OFFSET IS LIFTED AND NO LONGER IN MY SOCIAL SECURITY COLLECTIONS. THANK YOU VERY MUCH
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (MO)

I had a lease with Acura Financial Services from XX/XX/XXXX-XX/XX/XXXX. I purchased the vehicle from Acura Financial Services in XX/XX/XXXX. I received a bill from Acura Financial Services in XX/XX/XXXX/XX/XX/XXXX for personal property taxes paid for XX/XX/XXXX to XXXX XXXX City in the amount of {$750.00}. 

I lived in XXXX XXXX City in XXXX when I leased the vehicle and moved to XXXX XXXX County in XX/XX/XXXX, which are different taxing authorities. I notified Acura Financial Services of the move and they accurately reflected my address in XXXX XXXX County and sent me correspondence at the XXXX XXXX County address for the remainder of XX/XX/XXXX and XX/XX/XXXX. Taxes were not payable to XXXX XXXX City for XX/XX/XXXX as I did not reside in XXXX XXXX City at anytime during XX/XX/XXXX. 

Upon receipt of the bill, I contacted Acura Financial Services and discussed the issue with them. At that time I was asked to send documentation of my move. I sent them the requested information, although they had been previously notified of the move. A couple months later I started receiving collection calls from XXXX. I contacted Acura Financial Services and they said they would pull the credit from XXXX and work with XXXX XXXX City to obtain a refund of the taxes incorrectly paid. In XX/XX/XXXX/XX/XX/XXXX I started receiving calls again from XXXX. I called XXXX and they told me that my account had a {$0.00} balance. They began calling again within a couple weeks and I called them back and I explained to them the issues. At this time they notified me that they are reporting this matter to the credit bureau. I contacted Acura Financial Services again and they told me they have no record of an amount due. I have fully exhausted my efforts with Acura Financial Services and XXXX and neither are able to assist me as they each tell me to the contact the other. 

My credit score is 820+ and I pay my bills. XXXX or Acura Financial Services is  incorrectly reporting this issue and it is affecting my otherwise excellent credit score. This is not a bill I owe and it is Acura Financial Services responsibility to obtain the refund from XXXX XXXX City. I was never late to Acura Financial Services in the 3 years that I leased the vehicle from them. I request that my credit reporting be immediately fixed and it properly show that I do not have an outstanding amount and that no payment was ever late. 

Attached is the Utility Service Request for utilities at XXXX XXXX, XXXX XXXX, MO XXXX, which is located in XXXX XXXX County dated XX/XX/XXXX, the date I purchased/closed on the house. Also attached is the first page of the HUD dated XX/XX/XXXX showing I sold the house located at XXXX XXXX, XXXX XXXX, MO XXXX, which is located in XXXX XXXX City.
Consumer complaint received 2020-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (DE)

In XXXX of 2019, I purchased a four wheeler from XXXX XXXX XXXX XXXX located in XXXX Maryland and financed the atv through Yamaha Financing. While signing all of the necessary paperwork to finance, I was never informed of the interest rate, and the monthly payment. When asked I was told Yamaha Financing would be in contact with me. I then asked again if I could set up  direct deposit for my monthly payments and received the same response. After the purchase of the atv I called Yamaha Financing after being told they would contact me after they received the paperwork from the dealer that never happened and to my knowledge set up an account and added my credit card to the file to obtain the direct deposit without any worry. I was assured that everything was okay and that the direct deposit would have been handled after speaking to a representative and thoroughly setting up an account. They did inform me of the interest rate, monthly payment, etc, however this apparently was not done properly on their end without my knowledge. After I realized something was hitting my credit score drastically I did some investigation and learned the direct deposit was not going through after I was under the impression everything was set up and confirmed through the finance department. Immediately I took action and once again called Yamaha Financing and after transferring through multiple different people at this company they told me an account was never set up and that I had missed payments. To make the situation worse because I " supposedly '' missed payments they froze my account making me unable to look at it or pay until they did an investigation and only a specific person there could unfreeze it and it took more time, adding onto the late fees. I paid the late fees because I was more worried about my credit score and missing a payment although I feel as if it was not my fault, I was unaware and under the wrong impression after all with Yamaha Financing. After multiple phone calls, created and recreated accounts with Yamaha, and speaking to the bank I finally confirmed that my direct deposit was going through and made sure I then saw it coming out of my account each month, however, now it has left with a huge hit to my credit score which I see as unfair.
Consumer complaint received 2021-02-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ongoing problem. Ive been requesting proof of bankruptcy that is on my report for over a year. They have yet to comply with the law. In 2017 a revision to the FCRA allowed for public records to be used. However, they are required to provide my full social security number or birthdate on that public record, to which they did not do. they have used every excuse available as to why they are not complying. They are also stating that the bankruptcy will remain for 10 years by law. Just to clarify the law states it is a maximum of XXXX years. They are using this as further punishment when it is completely unnecessary. since it has been over a year and they still have not complied with federal law, the bankruptcy is to be removed from my report immediately. i am already preparing this case for court and fully intend on serving them a summons. CFPB is giving me a place to voice my concerns, but obviously has either no authority or intent to assist in this matter. i will be looking into that issue as well.
Consumer complaint received 2019-06-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Carrington Mortgage Services Approved a short sale by notification dated XX/XX/XXXX. The approval waived any deficiency amounts. Carrington then referred the deficiency to a collection agency, which mailed notices to the old address where I do not receive bills from Carrington and they are attempting to collect the deficiency. A letter from the collection agency, XXXX, was received on XX/XX/XXXX, dated XX/XX/XXXX.