davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a Personal Loan with the XXXX XXXX XXXX " Citizens One Loan XXXX '', back in XX/XX/XXXX. I was approved for the loan. I paid off the loan XX/XX/XXXX. Originally I was told that I would be billed through the XXXX XXXX XXXX XXXX, and every payment would be reported to the credit bureaus. Now that I have paid off my Personal Loan in advance, Citizens One ( Citizens Bank ) is refusing to notify the credit bureaus that the loan was satisfied in good faith. And they make it very hard for you to pay them. The payment options are unjust and should expand. The financing company refuse to be linked to other banking institutions, refuse to give the customers their payment address and contact information in order to pay through the customer 's banking institution. ( Unable to make payments through the customers BILL Pay Option ). They lack transparency. Now Citizens One aka Citizens Bank informed me that they only report late payments to the credit bureaus and they are no longer reporting when a Loan is paid in full! This is unfair and unethical. My timely payments should reflect on my credit reports.
Consumer complaint received 2017-12-17
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. (MD)

I sent certified mail to Experian, XXXX and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. OnXX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC (MN)

When trying to pay off a settlement with a creditor that The Gitmeid Law Firm negotiated, Gitmeid repeatedly failed to send me documentation they said I needed to pay off the settlement with a creditor. 

Furthermore, they also claimed they had trouble getting information from creditors stating my accounts were settled. Only after I personally contacted the creditors they negotiated settlements with did I receive the documents I needed.
Consumer complaint received 2021-02-07
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. (CA)

I had 2 credit cards accounts with XXXX XXXX. They misapplied a payment, made 2 payments to one credit card and the other account was not paid. When I noticed this I contacted XXXX  XXXX, they took the money from the account and applied it to the correct account, and sent me letter stating this was done. However they never corrected the late payment entry on my credit report. I have contacted XXXX XXXX 3 times by phone, sent them 2 letters with all the corroborating evidence and detailing this info and also disputed this through Experian 3 times. And nothing has been changed. When I have tried to contact someone at the Dispute Credit Bureau dept at XXXX XXXX, I have been told there is no way to contact anyone instead I was told to send yet another written account of what happened. I have written to them and called, and they have yet to change my credit report even though by their own acknowledgement they misapplied the payment and fixed the payment. That makes absolutely zero sense, and when I call in the reps are very apologetic but they have said I need to write to them again.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (NC)

National Credit systems sent me my first proof of debt on XX/XX/XXXX, I made payment on XX/XX/XXXX and sent proof of payment, they added it to my credit report on XX/XX/XXXX. The representatives name was XXXX XXXX. XXXX wanted me to submit my payment directly through her so she could receive the credit but her hours did not align with my work hours so I made payment online. After I completed my payment online XXXX XXXX was upset and as a form of retaliation she began harassing my family and myself and ultimately falsely reported this debt on my credit report.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

PNC purchased my checking account from BBVA. They account has less than {$5.00} in it. They sent an e-mail today stating that they will begin charging a low balance fee starting in May. I did not hear about this prior to this e-mail. I called them, and they would not close my account over the phone. I do not live near a branch anymore, and am unable to visit one to try to close the account. The rep on the phone threatened to send the account to collections if fee 's cause the account to go to a negative balance.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies (AZ)

I was involved in an accident. I reported it to Prestige Financial in XXXX XXXX XXXX Utah whom I received the loan through. Prestige Financial would not help me like they stated instead told the guy at the repair shop that they would help them sue me. I was going through a rough time. Prestige Financial has repeatedly lied to the credit report agencies about false balances. They have lied an stated that they was included in my bankruptcy and was not. They have threatened me that they are going to come and get me. Please view there reviews on XXXX and the XXXX XXXX XXXX I do not know how they know when my credit score increase because they will close and charge off a false balance and then reopen it again on my credit reports. XXXX has allowed them to repeatedly do this. I am beyond stressed with this company.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (GA)

I just refinanced a loan from Bridgecrest ( account XXXX ), the predatory lender for XXXX, where I purchased a vehicle in XX/XX/XXXX. The new lender XXXX XXXX XXXX XXXX XXXX XXXX approved a loan for {$19000.00} and sent a check to Bridgecrest for that amount, although it was more than the payoff amount due. The day Bridgecrest posted the payment ( XX/XX/XXXX ), my account only reflected a payment amount of {$15000.00} used to pay off the loan in full. According to the new lender, Bridgecrest is to send me a check for any credit balance on that account ( {$3700.00} ), but no one at Bridgecrest will even acknowledge the credit balance or confirm to me when it will be paid. I only get transferred around and quoted general policies by customer service agents who can not see the credit balance either. Can someone assist in contacting the responsible party at Bridgecrest, which seems to hide this information from their own customer service agents as well as the customer whose money they appear to be confiscating?
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Improved Data Services LLC (NY)

Getting phone calls repeatedly from a company calling itself " Improved Data Services, LLC '' about a debt. They told me on the phone they were not allowed or willing to send me a written verification of the alleged debt but wanted my bank account number immediately. Have called me as many as ten times per day.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal Limited My Account and They Can not Tell Me Why PayPal I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money or not I would have not made such a big case out of it because I did not have all that much money in my account. 
I sent all my documents, and there is not any fraud or risk. if you don't want me get back my account is fine is like arbitration decision. 
I just want my money now. if you can 50 % now. 

My email is XXXX XXXX
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I have made several attempts to do an open dispute online with Equifax and it will not let me I have updated my current information with Equifax and I know everything that is in my credit file but some reason it will not let me open a dispute this has been an ongoing process in the last month and I need to know why it will not let me do an online dispute. Some of the public information it presents to me does not have anything to do with me whatsoever so I am wondering if this could be identity theft something is just not right. I need to know what steps I need to take to resolve this matter with Equifax and get a free copy of my report.
Consumer complaint received 2021-10-13
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: Early Warning Services, LLC (OK)

I am a victim of Identity theft. In XXXX 2021. I received bank statements claiming they were my accounts from XXXX XXXX. I disputed with XXXX XXXX, they investigated. They sent me a letter stating they were to remove any and all info about me from the CRAs. In XXXX, same thing happened. They opened accounts in my name, I disputed. They sent me a letter stating they were to remove all info reported about me. 

I reported ID theft to FTC, XXXX, CRAs. Early warning is still showing information being reported from XXXX XXXX. 

I want the info removed. As stated and agreed. 

I have invested too much of my personal time dealing with this mess.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I noticed this on my credit reports. I have no knowledge of this account or debt. This is not my provider & have not used this service since I previously paid off a debt from XXXX XXXX XXXX and have not used them since.
Consumer complaint received 2021-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AL)

I applied for Public Loan Forgiveness after my 120th payment to Fed Loan Servicing on XX/XX/21. I did not hear that they received my application. I called in XXXX and was advised they received it and it would probably take 3 months to process. I called in XXXX and was told the same. I called in XXXX and was again told it would take up to 6 months. I received a letter from Fed Loan Servicing on XX/XX/XXXX acknowledging qualification for 121 payments and it also shows that I have made all necessary employer certifications. I again called Fed Load Servicing and they said it could take an additional 6 months to put the application through the vetting process with FAFSA. That would move approval up to XXXX. 
I have appealed to my Senator, filed a complaint with FAFSA, and FSA Ombudsman Group. 
I am XXXX XXXX XXXX working in a XXXX XXXX in Alabama in XXXX XXXX. This year was stressful, but I always thought I would retire in XXXX of this year which helped me get through. Now I am not sure when I can apply for retirement or XXXX XXXX XXXX ( must apply 1 month in advance of my retirement date ). 

I feel like all verifications have been made and am appealing for an investigation and request for expedition of this process. I have met my obligations in this contract and I need someone to hold the Department of Education in Accountability for the this back log.
Consumer complaint received 2018-07-25
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. (TX)

Equifax made an update to my XXXX XXXX XXXX loan and changed the status from open account to closed account without validation directly with the creditor. XXXX XXXX is not reporting the account as closed, it is an open account in good standing
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 — Information belongs to someone else
Company: CURO Intermediate Holdings (AZ)

The account with speedy cash was never mine to begin with so I disputed it over a hundred times I have letters from speedy cash the original creditor and also from the third party collector ad Astra both stating the account was never mine it was open fraudulently and that they have requested the collection to be removed from my credit report yet it is still on my credit report Ive sent the letters to all three agencies only to be told that they can not do nothing until ad Astra tells them to do it. Due to this collection remaining on my report I was days away from closing on my home for my family after a long struggle to repair my credit due to this collection my score dropped XXXX points over night and continued to drop with no relief in sight as I stated before this collection was open fraudulently without my knowledge since then Ive tried to remove it I actually paid it in full just to have it removed and it was a part of my XXXX XXXX  bankruptcy but yet remains on my report. Ive spoke on the phone over 100 times with ad Astra and speedy and XXXX and XXXX and XXXX only to be told the same thing Ive done everything asked from me but still have no help in regards. Please help.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a XXXX. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my payments.
Consumer complaint received 2017-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (OH)

Received letter from First Federal Credit Control on XX/XX/XXXX, attempted to call on XX/XX/XXXX and every two weeks after requesting proof of debt. Hospital they collect for has a poor billing system and I wanted to see this invoice and either provide proof of payment or pay immediately. 

Called number and agent provided in letter. Never get to her ever, left explicitly detailed voicemail every time. No return calls ever, no proof of debt ever provided, submitted to the credit bureau without attempting to resolve with me or give me a chance to settle.
Consumer complaint received 2017-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

On XXXX/XXXX/XXXX, we make a deposit of cash and a business check into our personal checking account. The cash was in the amount of {$3000.00} and the check was in the amount of {$3900.00}. As in Past deposits with cash, we were told that the cash would be posted to our account and would be made available immediately. When the bank decides to hold our cash for 24 hours is often inconsistent, but does seem to correlate with whether we have additional funds in our checking account. If our count is lower, it seems that the cash is held and money is pulled from our line of credit and fees are assessed for this. If we have a lot more funds in our checking account, the cash is made readily available. As of today, XXXX/XXXX/XXXX, both the business check and cash are being held as pending And money was pulled from my line of credit. When I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediatel when I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediately. This seems to Me like a way to fraud customers and force him into using your line of credit so that additional fees can be assessed. I would like a response to this and resolution.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have a hard inquiry that is listed on my report. I have called Equifax to have it removed because I do not have an open account with the company. They stated that I needed a FTC report. I do not have an account with the creditor, I have not initiated, authorized, or gave permission on any transaction with listed consumers. 

I have requested that the inquiry be removed. When I spoke to Equifax they told me the do not abide by the the laws but go by their policy to have a report. I told them that I could not file a police report, as there is not active account open, I have not lost any money or no accounts have been obtained. 



I advised they are in violation of Fair Credit Reporting Act 15 U.S.C. 1681b. A person should not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized. 



It requires that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. 



Equifax told me they did not care about the law and to file a complaint with FTC. I told them that I was aware In XX/XX/XXXX, Equifax settled a lawsuit stemming from its XXXX data breach, which exposed the personal information of 147 million people. Under the settlement with the FTC, CFPB and state attorneys general, Equifax has agreed to spend up to {$420.00} XXXX to help people affected by the data breach. 



If my information has been breached by their company they should abide by my rights as a consumer to remove the incorrect information. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.15 U.S. Code 1681 I can seek damages from a business that violates my rights under the FCRA XXXX They told me they did not care and hung up the phone.