davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bepensa Capital, Inc. (MI)

I spoke with the company about paying the debt XX/XX/2018 which only occured bcus i didnt have gap insurance.. ever since i suffered the loss of the vehicle the company has been reporting as if it was a repo of {$10000.00} instead of a loss that was paid by my insurance minus the gap part..i talked to the rep who stated if i didnt accept her pay to delete which was {$800.00} and pursued my complaint back thru the credit bureau she will add additional interest on to the account which she state is {$1500.00} right now..i cant afford to pay for this debt right now i just want the correct amount to be stated on my credit report
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (OH)

XXXX XXXX from XXXX XXXX XXXX contacted my employer. My employer took her name, company name and number and asked what it was regarding. XXXX response was that he knew meaning I would know what it is concerning. I called right away and they wanted me to verify my identity. I was upset at first asking why I have to verify my identity when they called my company looking for me. When I finally gave the last 4 digits of my social, she said wrong person. I asked if they live in the city where I lived and she said no. He lives in XXXX, oh. So they contacted my employer, made it sound like Im a deadbeat and they dont even have the right person. This is wrong!
Consumer complaint received 2022-04-26
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. (PA)

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. 

The XXXX Accounts number, XXXX XXXX XXXX, XXXX {$820.00}, XXXX XXXX XXXX {$460.00}, 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 consent.
Consumer complaint received 2019-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

Reported my debit card ( XXXX XXXX ) lost at XXXX XXXX Friday XXXX XXXX. Today on XX/XX/XXXX my card is still active, and can be used online. Bank failed to deactivate it like it was supposed to. On XX/XX/XXXX. 

Didn't actually lose it, was more of juggling bills and not allowing a large bill to go through as I just got a loan from my boss to help me pay up my car payment which I now can't pay, cause those funds went to my extremely large phone bill ( XXXX XXXX ) which I was process of talking to my phone company about lowering the bill when, when my boss 's loan to me elsewhere. 

Might not be the right way to juggle bills, but everyone else 's opinion on the matter irrelevant because they did not deactivate a card that was reported lost, still on 3 days later. Insulate disgusting it's either company the problem I was having, XXXX XXXX is the most outrageously expensive phone company I've ever seen in my life. If you use a lot of data, don't you ever go to that company. {$400.00} for what XXXX charges {$60.00} for. Which is hilarious because that's the network XXXX XXXX  uses most of the time in XXXX Arizona so I noticed.
Consumer complaint received 2019-06-09
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. (TX)

I have one account that is under a different name DEPT OF ED/XXXX i have disputed it before and it needs to be removed. 
I also have an account XXXX XXXX XXXX that I have disputed as having unauthorized charges on it but it comes back resolved but there is no way that could be as equifax does not show me any charges they have verified with signed receipts with my name on them. 
There is a fraudulent lent account XXXX , XXXX that i have disputed before and comes back verified but it is not my account. 
And there is XXXX XXXX A account that was disputed with unauthorized charges on it and equifax is not properly investigating it. and instead just says it's verified.
Consumer complaint received 2022-04-26
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 has violated my protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC. (TN)

To Whom It May Concern, I am writing **again** about Ally Financials illegal business practices, as they contacted me again about a debt that they claim XXXX XXXX XXXX owes them. I originally opened a complaint on XX/XX/XXXX. You can find details from the original complaint by using the following CFPB File # XXXX. There you will see that I reported that the company contacted me and illegally disclosed Mr. XXXX 's debt and demanded not to be contacted by the company again. Ms. XXXX XXXX responded that she did not believe the company disclosed a debt but did state " we have taken the steps required to place a Do Not Call on the phone number ending in XXXX. No additional calls should be made to this number. '' Nevertheless, I received an additional call on XX/XX/XXXX, again requesting that I contact them about Mr. XXXX. 

I have kept the message sent to me through a fake phone number, XXXX, and contacted them today about **AGAIN** violating the FDCPA. The caller 's name was XXXX XXXX, or something like that, and her extension is XXXX. XXXX requested that I call her back at XXXX. I recorded the conversation just as their recorded message says the company does when someone calls back. The recorded message also VERY CLEARLY discloses the fact that they are trying to reach Mr. XXXX about a debt, as the message say they are recording the conversation for that purpose. In the recorded conversation, I notified another speaker who took the call for XXXX that they violated the FDCPA by contacting me AGAIN after I demanded no more calls and Ms. XXXX stated very clearly in the original correspondence that I would not receive any further. 

This is too much. The FDCPA has been violated and the company must be held accountable for their predatory practices. I do not owe them a debt and have requested that they stop contacting me, which they have not done. Instead, I have been harassed again about something that has nothing to do with me, and the constant harassment is deleterious to my health and well-being. This is **unacceptable. **
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (MO)

Sent a Notice to dispute letter on XXXX to Exeter Finance for debt validation and to report to the credit bureaus that this was in dispute. Company sent back the retail installment contract on XXXX, which my understanding that is not a valid way to validate debt. I asked for a ledger, a copy of the original contract binding both parties, as well as verification for the claim. This was the second time asking for this information. I sent another letter on XX/XX/ requesting the same documents and stated how they kept calling me harassing me about a debt that was not properly verified and to up my insurance. Again another letter was sent back from the company on XXXX  sending the same retail installment contract and not fulfilling what was asked of them in the 1st letter. They then sent me statements and proceeded to send a repossession letter on XX/XX/. I sent an Affidavit back to them to sign on XXXX  and if they do not sign they are to fulfill the invoice I sent with it.
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

I received at least nine ( 9 ) telephone calls from Citi Bank within three ( 3 ) days and one even before XXXX XXXX 

I am being harassed as a senior citizen and so I am commencing a complaint for XXXX XXXX XXXX  ( {$1000.00} ) for such illegal and improper and unethical action and conduct. 

XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Plus I have no way of knowing if these aforementioned telephone calls are even from Citi bank nor would I ever answering such calls! Period! 

All my payments have been and are on time!
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

SINCE THIS INCIDENT ON XX/XX/XXXX, I HAVE CONSECUTIVELY MADE PAYMENTS FOR THE NEXT 6-12 MONTHS. 

This is XXXX XXXX reaching out in regard to my personal guaranteed business credit card I have established with your bank institution. 

I am emailing you pertaining to a late payment that is not only affecting my personal credit, but my business XXXX score as well. I have been a loyal customer with capital one since XXXX and I never struggled with paying my credit card on time. Earlier this year I came across this mishap and I am asking for forgiveness. I am asking to be understood as this late payment was a mistake made unconsciously. Due to my identity being compromised and my debit card being confiscated, I needed to wait for my debit card to come in the mail to update it to the auto pay option. If you take a look back into my payments with capital one for this business credit card, some are ATM payments made directly at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, PA XXXX United States Unfortunately, Capital one only has two locations in the PA area, and both are 30 minutes outside of XXXX. THIS IS VERY INCONVENIENT, and I am asking for you take this into consideration as to why I couldnt make an ATM payment when my debit card was confiscated. I also ask that there be an expending of Capital One Bank institutions in the city of XXXX. I know this will help not only me but multiple Capital one customers. 

I understand that you may have a million requests at hand, but I ask that you look into my profile and help turn my 99 % payment history rate into 100 %. Although this is just one late payment, it has tremendously affected both my companies and my ability to apply for credit and get approved. ATTACHED IS PROOF OF THE LATE PAYMENT AFFECTING MY PROFILE ON ALL THREE CREDIT BUREAUS. ATTACH IS ALSO PROOF OF MY DEBIT CARD COMING IN THE MAIL AFTER MY DEBIT CARD PRIOR WAS CONFISCATED. ATTACHED IS ALSO PROOF OF HOW FAR THE NEAREST CAPITAL ONE ATM IS NEAR TO MY LOCATION. PLEASE ADD MORE CAPITAL ONE BANK INSTITUTIONS IN THE CITY OF XXXX!
Consumer complaint received 2020-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (FL)

Original complaint filed on CFPB under complaint number XXXX still not resolved. After weeks of back and forth with the company that failed to respond to the insurance company before applying this debt to my credit I have now resolved this matter on my own by being the middle person between the insurance and XXXX. The debt is paid and the item as stated by Grant Mercantile/Americare is to be removed as a courtesy. Being that this was out of my hands to begin with due to the company failure to do their due diligence I would like the removal taken care of ASAP.

Company has now been paid and nothing is owed.
Consumer complaint received 2022-04-01
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-07-08
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. (LA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NM)

Chase bought our existing mortgage from XXXX. XXXX bought our loan from our original mortgage company. XXXX started to illegally charge us Private Mortgage INsurance ( PMI ), which our original loan never had. We were in the process of having XXXX stop illegally charging us PMI, when they sold our loan to Chase. I called and emailed Chase to have them look at our original loan and HUD-1, which does not list any PMI. We also noticed that original HUD-1 was never signed by us, and our original closing documents do not list any PMI. our HUD-1 and all our copies of our closing documents do not list any PMI, since we put down the amount the original load company requested in order not to have any PMI.
Consumer complaint received 2020-09-18
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: ACCOUNTS ADVOCATE AGENCY (PA)

There are a few accounts on my credit report that are not mine. My mother and I have the same name and lived in the same house. Although we have different social security numbers and birthdates, a few of her accounts on now listed derogatory on my credit report
Consumer complaint received 2021-07-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

i mailed out disputes to all 3 credit bureaus XX/XX/2021, I have not heard back a response. i just sent out disputes today because i have not heard from the bureaus. THE FCRA STATES THEY NEED TO RESPOND IN A CERTAIN TIME LIMIT. THAT IS THE LAW. 
I am looking to press charges because their reporting credit accounts inaccurately and have not responded which is making me ineligible to obtain credit.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2019 I sent a person of the name XXXX XXXX who stated on XXXX that he owned a show business called XXXX. He stated that I should send him money through XXXX which is a company used through my bank USAA which I took a dispute out and received a letter back stating I would not receive my refund back for XXXX dollars because it was not a fraudulent transaction. I requested my money back from XXXX XXXX which was a scammer before I realized that I was being scammed. I contacted XXXX through my bank not knowing that my hard earn money would not be reimbursed because I didnt know of this. If I had known about XXXX not having a fraud protection plan I would not used them nor XXXX XXXX. I have banked with USAA for 17 years and I have never experienced this type of treatment or have ever been scammed. I would like to receive my refund back of XXXX dollars. Please do not use XXXX XXXX nor XXXX to do any online purchases. The guy got me for a total of XXXX dollars. I sent him {$920.00} plus {$320.00} on XXXX XXXX  and {$300.00} through XXXX.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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: REGIONS FINANCIAL CORPORATION (FL)

This charge was supposedly done on XX/XX/2018. However, I have had this issue way too many times with XXXX posting charges late, when I can no longer verify if they are legitimate charges or not. After dealing with this after receiving my XX/XX/18 bill, I ordered new cards from a new company and began using them XXXX XXXX. When the XX/XX/18 bill came, I called and verified that there were no pending transactions and that paying that bill in full would have it paid in full. Even though I was charged an {$87.00} " high risk transaction fee '' that was not supposed to be on my account. I closed my account on XX/XX/18 with the consumer advocacy department ( Ref : XXXX ). I have the confirmation of close email. The day after I closed it, it seems ANOTHER backdated transaction was put through with a transaction date of XX/XX/18 and posted on XX/XX/18 ) This is unacceptable. I no longer wish to do business with XXXX and will not deal with having backdated charges show up for the rest of the year. This needs to STOP. My account is closed, and no further transactions post to my account at all! I want to be DONE with this nightmare! I was told by the XXXX XXXX Department today ( XX/XX/18 ) that even though the account is closed, they will still post any backdated transactions - no matter how old - and bill me. They refused to even remove the backdated charge or the erroneous fee from last month. This is my second time writing with this complaint department about XXXX and their billing practices. I have disputed the charge formally, but doubt they will do anything about it.
Consumer complaint received 2022-04-26
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. (CO)

I have a credit card with discover. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time
Consumer complaint received 2024-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Better Mortgage, Inc. (PA)

Dear Sir/Madam Lender : Better Mortgage First servicer : XXXX XXXX XXXX : XXXX XXXX XXXX 
I bought a property at : XXXX XXXX XXXX, XXXX, PA XXXX, had closing on XX/XX/2023. Before the closing its normal for the lender/Mortgage company to provide closing disclosure several times. During this, I requested during the chat from their website to do not add homeowner insurance in the escrow amount. I will buy my own insurance every year & will provide copy to the servicer. They replied that I need not worry & they will correct later in the process. Based on the same promise, I paid them one time {$880.00} to buy a homeowner insurance for the whole first year. 

Now, after the closing, I came to know that they had not removed the homeowner insurance from the escrow. I let them know about this issue & requested to correct it. First I contacted to Better & they told me to contact the first servicer XXXX. Then I contacted XXXX. They took my complaint & agreed to look into the matter & update me. After several days of waiting they said on call that Lender didn't accept & so they can not do that. 
I again went back to Better. Initially, they pretended as they are not understanding the issue but finally when I escalated the matter, another officer was assigned to look into it. She assured us to resolve the matter & she needs some time to talk to investor & as closing on the property has been already done so I need to sign a new updated document. Now, after more than a month she is again telling me to go to new servicer XXXX XXXX. 
This is just a short description of the issue. Meanwhile, I have to follow each of them, sometimes servicer, sometimes lender back & forth. I may have 20 -30 emails, may have called on phone 4-5 times & contacted them on chat several times. I do not have any record of the chat or call but I can send you email records if you want.