davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I called XXXX XXXX XXXX on or about XXXX XXXX to inquire if they were able to or willing to finance vehicles with a salvage title ( the salvage title status with THE first subject that I brought up ). I was told " yes '' by the representative on the phone and I went through the steps to become a credit union member and applied for the auto loan on the same phone call ( the vehicle 's VIN number was given to the rep. for XXXX pricing to be obtained ). I was approved for the full asking price on the spot per the representative and received instructions on how to fund my loan for said salvage title vehicle. I moved forward a week later ( after some due diligence on the status of the vehicle ) and opted to have checks for the full amount of the vehicle purchase, as well as promissory note sent overnight to my address. I later signed and returned one of the 2 promissory notes enclosed ( one copy for my files ) and brought the check to the dealer to purchase the car but the check was not honored by the bank ( XXXX ). I called XXXX to find out if I missed a step or if the check was endorsed incorrectly and I was told that they could only finance 50 % of the vehicle 's XXXX value but with my credit score they were not able to do that amount. I have asked for an upper level representative to call me but no one has called me to resolve this issue. I have already taken possesion of the vehicle and as per the XXXX member website this loan remains under my name and my first payment was due on XXXX XXXX. I have included the screen shot where I HAVE PAID THE FIRST PAYMENT ON THIS LOAN ALTHOUGH THEY HAVE REFUSED TO FUND IT. I 'm not sure what else to do. I mentioned to the rep I had been very forthcoming on the first phone call regarding the this vehicle 's salvage title and never kept it a secret.
Consumer complaint received 2017-11-05
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. (UT)

There was a credit card opened up in my name back in XX/2014 with XXXX XXXX XXXX XXXX which i have never had an account with them ever in my life i am wanting this company to get rid of the negativity off my transunion report and delete it.
Consumer complaint received 2017-09-14
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. (FL)

I have a XXXX account reporting on my Equifax report. They 've showed it verified and they wont reinvestigate. XXXX and XXXX were n't able to verify that same account. During the time of my investigation was the same time that Equifax had security breech. The name on the XXXX account and the name on my Credit Report does n't match up. I know that because XXXX sent a letter to my home with a different name on it. This account is reporting and it is costing me XXXX points of my credit score. My XXXX and XXXX XXXX are in the XXXX 's. I do n't know what else to do besides send another complaint. Knowing my information may have been compromised during my disputing process and knowing I 'm being penalized would only lead me to take lawful action. All Im asking is that this account be deleted so that I can live my life for my family and get the best interest rates to purchase items that I know I am credit worthy for.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Driveway Finance Corporation (NV)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2019-02-21
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. (FL)

I am a victim of Identity Theft and I have a FTC report, police report, and filed all needed affidavits. Experian removed and deleted the two negatives accounts but now have added them back and said I need to contact the credit card company ( which I already have done ). I asked what else I needed to do to prove I was a victim of ID theft because other credit card companies verified I was a victim. They did not have an answer other than to re submit the dispute which I have done as well and contact the credit card company again.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with BEST BUY/CBNA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

XX/XX/2018 I entered into a deferment plan with finance company believing that it would bring current but, far from what has happened. This company excessive deceptive acts in applying fees and making it impossible to contact or reach them is horrific.I have request real time payments of account and cant get that info. According to my records i am current and showed an amount of credit. This company bills 30 day in advance and reports me late to Credit report agency sa being late every month. I am a online account holder who pays on line every month but they have now locked me out of my account due to excessive fees that no one can answer to. my online account will not allow me to process a monthly payment. its locks me into only paying the excessive amount onXXXX be paid so it will not take monthly payment of XXXX. Called spoke to supervisor forwarding info they requested and never heard back till i tried paying my bill today.
Consumer complaint received 2017-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I had the worst banking experience at Citibank. I signed up for a {$300.00} promotion online on XXXX XXXX, XXXX. I was supposed to receive my account information packet within a week of opening the account, but I did not receive it for about a month. I repeatedly called Citi about it and at first, they told me to keep waiting, but after a month, I called to complain, and they finally sent it to me. 

I then called in multiple times ( at least once in XXXX, XXXX, XXXX, AND XXXX ) to speak with a representative about whether I would receive the promotional credit and was assured multiple times by different representatives that I would receive my promotional credit, but had to wait for some procedures to go through. In XXXX, they told me to call back in XXXX. In XXXX, they told me call back in XXXX. 6 months and more than 6 phone calls later, still no credit, and no accountability from Citibank. I called them a final time in XXXX and told them there was no excuse for them to keep delaying crediting my account with my credit, and they told me that I did not fulfill the original criteria of getting that credit because I did not make a direct deposit within 1 month of opening the account. I was extremely frustrated because I had called in multiple times along the way to ask about this because it was Citibank 's fault that I did not receive my account information until a month after opening my account, and now they were blaming me for not having the account information to make the direct deposit. I am so frustrated with how Citibank stringed me along all this time only to continue to deny me the promotional credit they had promised me. Not only did they continue to lie to me, they also consistently wasted my time and required more than the normal effort to get a response. This is the worst bank I 've ever worked with and I will recommend against it to all of my family and friends, and I hope CFPB will be able to right this wrong.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (CA)

I XXXX XXXX XXXX am filing a dispute against Debt Recovery Solutions for stating that I allegedly owe this debt. I have found several laws that Debt Recovery Solutions have broken the laws are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and Debt Recovery Solutions is the person ( corporation ).
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX is the original note date XX/XX/XXXX modification date XX/XX/XXXX maturity date Home Affordable Modification Agreement reads new principal balance {$490000.00}. 
Item C reads {$29000.00} of the principal balance shall be deferred and I will not pay interest or make monthly payments on this amount.The interest bearing principal balance is {$460000.00} at a 3.75 % fixed rate at 248 payments. 
Then a Balloon Payment Disclosure states a balloon payment of {$330000.00} will be due XXXX/XXXX/XXXX. I don't understand this loan and the payment doesn't make sense nor was it explained that way to us when we signed the papers that after paying almost $ XXXX we will need to then pay {$330000.00}. 
On XX/XX/XXXX my husband spoke to PHH customer service rep XXXX ID # XXXX and asked for clarification. He was told at the end of the 30 years we would have to pay about $ 30k and we are on track to pay this off in 17 years. XXXX said he didn't see anything about the {$330000.00} so he could explain that to us. Something isn't right and it looks like we are being defrauded. We attempted to refinance this loan recently but the loan officer ( XXXX XXXX XXXX ) said we needed to see a Real Estate Attorney to see if this loan was legal. She said it didnt make any sense to her and at this point couldn't help us. Something isn't right and the lien holder can't explain it to us. In addition to all of this chaos, PHH isn't applying our payments correctly. They took over servicing from Ocwen in XX/XX/XXXX and the nightmare continues just as it did when Ocwen was servicing the loan. Our payments are being put into suspense and applied to the principal balance when we are making a regular payment. That is triggering our account to reflect being past due and bogus late charges applied to our account. We need to know if this mortgage is legal, we need to understand it and hopefully get someone to refinance us so we don't have to deal with PHH anymore. I have sent them numerous emails about the payments not being processed correctly and it just continues to happen. They don't know how to service loans and can very well kill our credit/fico scores because of their inability to do their job correctly.
Consumer complaint received 2018-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CULLEN/FROST BANKERS, INC. (TX)

Once again Frost Bank has overdrawn my account, 3rd month in a row! You hae done nothing to assist me and you allow them to continue stealing from a XXXX person! My account is XXXX, 2 checks {$230.00} + {$140.00} we're sent to the same credit company on the same day XX/XX/2018. 
I did not authorize and once again XXXX Mgr is involved, this is delibrate! Againist the Law. I want my money back immediately cause I won't sop here I assure you and XXXX!
Consumer complaint received 2022-04-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Americas Car-Mart, Inc. (MS)

They want listen nothing u say one lady who have my friend account she is rude to him I have her fuss at him at and that not rite that bad customer service he tell he be trying and she be saying that not my problem she gave smart mouth his account so now they kept reporting to credit people when he told them come in get it cause he lost his job. Its just to much gone on down there. They tell u anything need new people in there
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

RE : Closed Complaint # XXXX Bank of America presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as 30-day late payment XX/XX/XXXX to 30-day late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a 30-day late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to Bank of America for the XXXX and XX/XX/XXXX were recently resubmitted to Bank of America via XXXX in XX/XX/XXXX.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MI)

XXXX XXXX was charged off on XX/XX/XXXX but still reports monthly late payments Nordstrom was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I found a debt collection agency listed in my credit report. FDCPA 809, states that debt collectors have 5 days to notify the alleged debtor, the name, address, phone number, the amount of the alleged debt,  notification that you have 30 days to despute the alleged debt, or 30 days to even have the debt verified. 

XXXX XXXX XXXX failed to notify me in any way. 

NO PHONE CALL, NO LETTER, NOTHING, BEFORE POSTING THIS ON MY CREDIT REPORT. 

SO, XXXX  XXXX XXXX, YOU ARE HEREBY NOTIFIED OF THE FDCPA VIOLATION. 

There has been case laws that consider putting this in a credit report constitutes the fist initial communication. You had 5 days to notify me of my FDCPA rights, which you just violated. 

You put this in my credit report on XX/XX/2018. Your 5 days are GONE. 

So, NOT ONLY DID YOU FAIL TO NOTIFY ME OF MY RIGHT TO DISPUTE, YOU DID NOT NOTIFY ME OF THE NAME ADDRESS OR OTHER INFO ON THE ORIGINAL CREDITOR, YOU DID NOT TELL ME THE AMOUNT OF THE ALLEGED DEBT, AND YOU SENT NOTHING AS FAR AS PAPERWORK THAT EVEN VERIFIED OR VALIDATED THE DEBT. 

YOU BROKE THE LAW!
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oak Tree Financial Inc. (IL)

This company ( Oak Tree Financial ) tells me I owe a debt from XXXX XXXX. I have never had a XXXX XXXX credit card. This company has my social secrurity number, date of birth, & full name - only thing is not right is they have an address on me from 20 years ago. They say I have a debt of {$6200.00} and that I can settle at {$1900.00} today. I ask them why is this not on my credit report and they say I have to settle with them first before it gets on my report. Their number is ( XXXX ) XXXX they give me a file # XXXX - these people have been harassing me since XXXX and I need help stopping them!! Today XX/XX/XXXX a new number called me on my cell phone ( XXXX ) XXXX they say they are XXXX XXXX XXXX. They want to know if I'll be home so they can serve me court papers. I asked them for what and they say they are not sure they are just to serve papers. So I ask them what address they had and they say it is the address I was at 20 years ago.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (VA)

I have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : 07 XXXX  XXXX XXXX XXXX  ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX  Opened XXXXXXXX XXXX  allegedly owe : XXXX I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX
Consumer complaint received 2017-11-06
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 (TX)

Dear Sir/Madam, Good evening. This is XXXX XXXX. I 've met the spending requirement of my XXXX XXXX card for months and yet there is no sign-up bonus 35k in my account. I 'm booking my trip to Hawaii for XXXX so I really need these points. Could you please urge XXXX issue the points as the contract said? 

Thank you, XXXX
Consumer complaint received 2023-01-09
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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.