davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

EXPERIAN credit bureau, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Consumer complaint received 2017-11-10
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: Convergent Resources, Inc. (DE)

This is something that has to be years old. When I search it comes up as XXXX and I have had XXXX for 4 years and XXXX for almost 2 1/2 years now. This debt has been sold a number of different times and has reported over and over again and I can never get anyone to have a civilized conversation they scream call me names and hang up. XXXX XXXX XXXX XXXX both found it to not to be a valid but XXXX will not remove. This is something that should be illegal how can a company get away with doing this. I have work very hard to keep my credit clean only to have this company report a fake account all in red?? Please help me clear this up I would be forever grateful. This company upon further review apparently does this often ...XXXX shameful!
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (GA)

On XX/XX/2019 I was contacted via phone from # XXXX stating they are an attorneys office and I owe XXXX XXXX. I advised her that I already told several of their reps that the debt was settled with XXXX  and that there is no balance remaining as I received a settled in full letter and a XXXX. She got really angry and told me that I was going to be sued and that she did not have to talk to me she would just proceed with suing me and hung up on me. 
I have dealt with this for many months and just want the calls to stop as the debt has been cleared and I should not be harassed about issues that have been resolved.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

There was an end of lease inspection in which the inspector charged for items that were in violation of the lease agreement. Examples include a warranty repair and a rim scratch that was two inches long ( contract says charge for more than six inches ). I have written and called Nissan multiple times without a response. Today they sent me to a collection agency and still haven't responded to the original issue. 
I have been on hold with them at a new number for one hour and twenty-two minutes. At the old number, they give you the option of returning the call but never do so. 
In short they are violating their contract, don't respond to written documentation and did not follow the law with respect to collection processes.
Consumer complaint received 2017-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted Transunion numerous times from XXXX 2017 until the present. I have filed numerous disputes via online and over the phone with a representative that XXXX inquiries recorded on XXXX XXXX, 2017, one by XXXX XXXX and the other by XXXX were not authorized by me. Transunion has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Transunion delete the inquires immediately.
Consumer complaint received 2019-02-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (PA)

This complaint address two issues I had for the same account at the same bank. I opened a Burial Reserve CD for my mother with XXXX XXXX  on XX/XX/XXXX. I am a her legal guardian & paperwork was provided to both banks, several times. It was for 5 years, which was to mature on XX/XX/XXXX. The account number was XXXX. In the meantime, BB & T bought XXXX XXXX  & the CD was assigned another account number XXXX. When the CD came due last XXXX, the rate they were offering was less than desirable & they would not match a rate I could get elsewhere, at that time I asked to close the CD. They refused to close it unless I had a representative from the funeral home ( of which they had no interest in the account until she dies ) come in to close the account. The funeral home was not an authorized signer & were not even aware of the account. Due to the time restraint with the grace period, I was forced to leave the CD with BB & T. I was then told to take the new signature card to my mother to sign, that it had to have her  signature, even though they had the Guardianship papers, which I provided yet again. I then recieved in the mail a modification notice with the new terms & rate. The second issue came with an Abandoned Property Notice I received on XX/XX/XXXX. It stated that since there had been no client related activity within the past several years, that the CD would be escheated to the state on XX/XX/XXXX. Even though I had been to the branch at least twice during the grace/renewal period, in person, & had to make a special trip to where my mother is in a nursing home to have her sign the new signature card, then returned to the branch, in person, to drop it off. I did sign & date the escheat notice to claim the property & returned it ( no they couldn't even provide a return envelope ) by mail on XX/XX/XXXX but surely, my account isn't the only one that may be escheated to the state in error.
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: EOS Holdings, Inc. (MA)

This company claims that I have a balance of {$260.00} with them, I have been disputing this debt because they are reporting it as in collection on my credit file, I asked this company to please provide me with a copy of the original contract which bear my signature and which it concerns the debt being collected. All that EOS CCA provide me with is a copy of a bill from the year XXXX which is not enough to validate the debt that they are trying to collect, I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt ( defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement ) from a person located within Massachusetts. Like I said at the beginning of my complaint, EOS CCA is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that EOS CCA can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt can not be validated please delete it from my credit file, as it is causing my credit worthiness big damage.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have sent letters to Portfolio Recovery seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX of this this year I mailed a payment to American Express. One week later my account still had not been credited. I have paid by this method for 25 tears with no problem, therefore I felt it best to contact them. As of this date (XX/XX/XXXX)my payment has not been applied. However, I digress, I tried to apply my rewards points towards the balance, but there was so much confusion on the part of the representative I canceled the transaction. On XX/XX/XXXX, I spoke to XXXX at American Express who told me the credits, much to my surprise were applied and I owed nothing. When I preciously contacted American Express I was told something entirely different. I was told my points would be applied to the balance of XXXX minus  the XXXX  minimum fee. As I previously stated XXXX at American Express informed me there was no balance. Today XX/XX/XXXX,I called American Express to speak to a supervisor, figuring someone in authority would be able to rectify this problem. The first representative, XXXX< hung up on me. I called and was transferred to a supervisor XXXX. I l left a voicemail and the supervisor has not called me back. Bear in mind I understand mistakes happen. My concern is when the people who are paid to solve your problem are not up to the task.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I just have question on POA (Power of Attorney) issue with Bank of America.
I have accounts for my sons with Bank of America more than 20 years and always as POA. Since last month, they start showing POA at all banking statements instead of not appear. I ask the bank should it be hidden and keep between bank and accountholder instead of expose to public? Bank of America say "NO". So I want to confirm is that the new Reg or banking rule? If it does, why that not happen to all of my other banks? I contact FDIC, they refer me to OCC, then today I get email as follow: XXXX XXXXMail 
To	XXXX Today at XXXX XXXX XX/XX/XXXX
Ref. No: XXXX 
 
Re:      Bank of America, National Association
            XXXX, NC 
 
Dear XXXX XXXX:
 
Thank you for contacting the Federal Deposit Insurance Corporation (FDIC).  The FDIC's mission is to ensure the stability of, and public confidence in, the nation's financial system.  To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XX/XX/XXXX. 
 
The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau (CFPB).  Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance.  We are forwarding your correspondence to the CFPB at the address below.
 
Sincerely,
 
Consumer Response Center
Federal Deposit Insurance Corporation
Division of Depositor and Consumer Protection
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX
Telephone:  XXXX
Fax: XXXX
 
cc/enc:   
Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX, IA  XXXX
Telephone:  XXXX
XXXX
Consumer complaint received 2019-11-06
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. (UT)

XXXX XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

1. Our loan was with XXXX XXXX for XXXX years. 
2. Covid 19 struck and XXXX XXXX automatically enrolled us in the program that suspends payments due to the pandemic ( see attached ). 
3. Specialized Loan Servicing apparently bought our loan from XXXX XXXX at the 15 of 30 year point right as COVID-19 struck. They did not honor XXXX XXXX loan payment suspend. 
4. I was XXXX XXXX due to Pandemic. 
5. SLS offered a forbearance plan with warm soothings that they knew their clients would need loan mods or repayment plans because they wouldn't be able to make a lump sum payment at the end of the forbearance. They stated in writing that they would assist in repayment efforts. 
6. Now that my forbearance plan ended SLS is refusing any type of loan modification or repayment plan and only giving me option of deed in lieu or foreclosure. My income is well above their parameters, my credit is well above too. If they were going to force a lump sum payment, they should have said that upfront, instead they misled in writing and in their marketing online as well as correspondence within online account holder areas. I have proof. 
I tried to pay monthly payments beginning XX/XX/XXXX ( end of plan ) but they sent all the payments back. I send them again, they send them back stating they don't accept payments from a delinquent account!! 
Further, because my wife died of XXXX XXXX before all this occurred, SLS dragged me through an additional 4 months of default. They wouldn't begin the process of letting me apply to modify loan and repay forbearance months until I was the legal successor and it took them four months to receive documents and reach that point. Then another 2.5 to receive and deny my paperwork requesting mortgage assistance in the form of a loan mod or repayment plan.
Consumer complaint received 2021-07-01
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. (TX)

i've sent several notices even sent certified letters the company refused to send me proof they have in their records showing how debt being reported that's not mine were certified verified buy lenders/source
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-08-20
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. (LA)

The Consumer Reporting Agency Experian is who I am accusing of fraud. Experian is in violation of 15 USC 1681b. ( 2 ) which states that I, XXXX XXXX, a federally protected consumer, did not give or have ever gave Experian written permission tp furnish anything on my consumer report.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KY)

I am getting hit with interest like crazy, especially once Navient took over. I have a repayment plan set up but, I am getting hit with interest higher than my payments and late payments being added even though I am making on-time monthly payments. This is affecting my credit score and any chance of ever getting any credit established because my credit keeps looking worse due to late payments, even though I am paying, and the extreme balances that have ballooned and still increasing every month. This has become a very stressful situation.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (SC)

XX/XX/XXXX contacted mortgage company regarding insurance payment status as insurance was due XX/XX/XXXX and I received a termination letter in the mail. Lady states they have information pending payment from mortgage company. Issue should be resolved soon. 

XX/XX/XXXX spoke with XXXX manager at mortgage company was told they would call and find out information about it and call me. No return call. 

XX/XX/XXXX spoke with XXXX and was told payment was going to be released and will be paid XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX spoke with insurance company no payments have been received XX/XX/XXXX spoke with XXXX and he states they are still working on it and it will be paid.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (FL)

I have been with PNC Bank for 21 yrs. On XXXX/XXXX/2015 I rented a car for 49 days. The total for 30 day rental is {$530.00} so 49 days would come to roughly {$870.00} or close to {$900.00} I wave all extra coverage at the counter & soon after I pick up the rental from XXXX XXXX car in XXXX Fl, they begin to charge my card excessively. I immediately contact the company & even was told by a representative that I was indeed being over charged & was referred to corporate however never being able to reach a live person nor getting credited for the excessive charges to my debit card. I never used my pin, always credit yet when I began my dispute with my bank, they continued to allow my credits to be reversed after I cancelled my card, as well as faxed all receipts & correspondence directly to the escalation dept handling my case. I am still batteling the bank & have been charged excessive fees, my electric was shut off, I had no cable, internet or phone therefore my child couldnt attend school, I could not work & my mother had no oxygen due to all of this! Many of my pay checks have gone into this account, only to be absorbed by negative balances because of the banks lack of professionalism in having one person handle my case but more hands in the cookie jar caused nothing to get done & myself as well as my XXXX children suffered.
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 — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

TD bank marked me as late in XXXX of 2020 when in reality I wasnt late. 
I made a payment at a local TD Branch, and due to an internal glitch in their system. Although the branch admited that the payment wasnt processed as per branch manager, TD credit card servies is refusing to take responsibility for what occured in the branch, and are continuing to report a 30 day lateness for the month of XXXX. This account wast late, and shouldnt reported as such. Please correct the error.