davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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. (MO)

Experian refuses to remove an inquiry even though they have been notified by the creditor that it is a case of fraud. Someone applied for a XXXX XXXX XXXX credit card with my information. XXXX XXXX  notified the three credit reporting agencies that the inquiry was not mine, and all but Experian removed the inquiry from my credit report. XXXX XXXX  says that they have done all they can and that it is Experian. Experian says that they verified the account and that they are not removing it. I am stuck between a rock and a hard place, as it appears that it will take the Consumer Financial Protection Agency to get the account removed from my credit file.
Consumer complaint received 2017-08-11
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. (FL)

THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has not clear with XXXX County Clerk the " Satisfaction of Mortgage ''. In XX/XX/XXXX Bank of America was paid-off the loan mortgage XXXX # XXXX XXXX I had with that institution and re-finance with XXXX. I received a paid-off letter dated XX/XX/XXXX from Bank of America, which I will upload to you. Four years later when I am about to sell my house a title search done by the attorney reflects that Bank of America did not sent the " Satisfaction of Mortgage '' to the County Clerk to clear the lien, and Bank of America admits. Since XX/XX/XXXX when my attorney informed me this situation I have been calling the Bank to get this resolved. Unfortunately, up to now it has not been cured. Therefore, I can not set a closing dated to sell my house and may even be risking to lose the current buyer. 
Bank of America Branch at XXXX XXXX XXXX XXXX. XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Branch Manager and XXXX XXXX XXXX, Relationship Manager have taken the effort to resolve this situation. The XXXX # XXXX has been designated this time. I trust CFPB can help resolve this very serious issue affecting me and my family, for this irresponsible institution.
Consumer complaint received 2020-09-06
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: EQUIFAX, INC. (NC)

I've disputed multiple times with Equifax/XXXX/XXXX  and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MA)

I was set up on autopay and when the card expired I called to make a payment and they still tried to take the payment that was set up on autopay. But at that point the card had already been expired so it didnt go through and they didnt apply the payment I made for several months, in result they charged me 2 late payments that I really made on time.
Consumer complaint received 2022-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TX)

I never received a bill for the medical service until almost two years later. I contacted XXXX XXXX XXXX XXXX and they said that my insurance company never responded when they sent the bill. I contacted my insurance company and they said they never received any information on the bill. I contacted the medical facility again and they admitted they sent the information to the wrong address. They sent the information to the correct address but my insurance company denied the claim because it had been too long since the date of service. I called the medical facility again and they said they would write off the bill since it was their fault. However, I just received a collection notice from United Collection Bureau , Inc. for this bill.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had credit since I was XXXX XXXX XXXX which is over 26 years, and have had accounts in good standing. Transunion is reporting that my credit history is only 8 years. I have called to complain and was told that good standing accounts only remain 10 years. Even if this is correct my credit history should show as 10 years. They told me if I wanted anything older to appear I had to contact the creditor directly and tell them to continue to report it. This is absolutely ridiculous to me. The fact that so many things depend on my score and they do not follow the rules makes me extremely angry. I have disputed things in the past as well and they told me the company verified the information and when I told them it was incorrect they told me to contact the creditor. I do not know how that is even possible when I never had an account with the creditor they listed and they do not supply the contact information. I have actually tried in the past though and the creditor was not able to look me up by Social or account # because I did not have an account # and Transunion would not supply me with one. My point being they negatively affect peoples credit and do not resolve issues as required. I am not supposed to have to prove something, they are supposed to report correctly and prove things should be on my report. They are also supposed to report accurately, if they are going to include length of credit they can't take away the things that show how many years you have had credit especially if it is such a big part of their scoring process.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (MO)

On XX/XX/2018, I went into XXXX XXXX in XXXX, Mo to buy a car. I had brought along a pre approval from XXXX XXXX XXXX XXXX and told the car salesman that I wanted my loan through XXXX XXXX. I picked out the car I wanted, and he took all my paperwork to the Finance Lady. She had my paperwork for over 45 minutes and did not talk to me until after she had ran my credit. She ran my credit for Wells Fargo, XXXX XXXX and XXXX XXXX. After I had given them a letter for pre acceptace from XXXX XXXX. I did not authorize them to try to get me a loan through either XXXX XXXX or Wells fargo, and I was not asked if they could. I wanted XXXX XXXX and I had made that clear with the sales guy. I will Never deal with Wells fargo, and had they actually asked me instead of doing whatever they wanted, ( after I gave them the Pre approval and made it clear I wanted only XXXX  ) I would of told them I would never deal with Wells fargo. I have tried to get them to delete the hard inquiries made by these 2 compaines but they refuse to. I have already filed a complaint with the XXXX and still they refuse. These are 2 hard inquiries that should never of been on my credit report, and I want them taken off. Thank you
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I currently have credit membership with XXXX XXXX XXXX and they charge {$19.00} a month. EXPERIAN *CREDITREPORT - XXXX, CA to my credit card. I tried calling them several times, they have a automated system to cancel my services but the automated system says I don't have membership and hangs up the call. They have no way to contact live person to resolve this. I have tried numerous numbers. I honestly believe this is fraudulent attempt by them to discourage people and keep billing people for services. There is no option to talk with anyone. There is no way to cancel these services online. They should be investigated.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Action Collection Service (ID)

My credit score has been lowered from the XXXX 's to the XXXX 's due a reported debt of {$260.00} by Action Collection Service, XXXX XXXX XXXX XXXX XXXX, ID XXXX. This debt was reported to XXXX in XXXX of XXXX. I have spoken and written to the agency, letter dated XXXX/XXXX/XXXX, their case # XXXX, and have not received a reply. XXXX refuses to remove the negative report. 
Prior to learning about the lower credit score, I have never had any contact either written or oral with Action or the Company it represents. Why then has my credit been damaged?
Consumer complaint received 2020-09-06
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: Resurgent Capital Services L.P. (GA)

On XX/XX/2019 XXXX XXXX XXXX notified me of a debt of {$990.00} and LVNV Funding LLC notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus. 

I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with XXXX XXXX XXXX and LVNV Funding LLC. No Such validations have been performed. 

These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.
Consumer complaint received 2023-04-06
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. (OR)

According to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2020-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I am in the XXXX XXXX. As part of my contract, the XXXX directly submits a payment to Fedloan servicing every year for six years. To  initiate the process, I need to log into an XXXX website using my military ID ( CAC card ), enter a PIN and digitally sign my document. I then send this documentation to Fedloan Servicing. 

I have had my digital signed document rejected twice this year, the second time after a call to customer service explaining how my document was digitally signed which required my military ID card ( CAC ) and an eight digit pin. This is more secure than a pen and ink signature. I also explained to them that electronic signatures are valid under the United States Code. The customer service rep told me that their policies require a wet signature. I requested that the customer service rep send me the policy, CFR or USC statute that they are relying on that excludes them
from accepting electronic signatures despite the law. I have not received a response. Fixing this issue would save services members countless hours as I just spent one hour accessing a CAC enabled website from my personal computer just so I could print out this document on my home printer, sign it, scan it and upload it. I can not send this document from my military email, computer because it contains my own PII.
Consumer complaint received 2019-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

Transaction involves PayPal and PayPal Credit ( Synchrony Bank ). Funds were transferred from PayPal to PayPal Credit on XX/XX/2019. There is no option in the transfer process for the payer to designate how the funds are to be applied. A call to PayPal Credit on XX/XX/2019 started the process of re-allocating the funds to where I wanted them applied. On XX/XX/2019, nothing on my PayPal Credit account had changed. Not even a sign that something was in process. A call to PayPal Credit connected me to someone named " XXXX. '' obviously a nom de plume as he was probably located in XXXX. When he was unable to give me any logical information other than the change could take up to 60 days, I requested to be transferred to a supervisor. That got me to XXXX, who was clearly upset that I was bothering him. He again told me that it could take up to 2 months for the change to happen. I told him what the problem was and he seemed to just keep repeating that it's the way we do it. Potentially this delay could cause interest to be charged to my account. He told me that if that happened, it would be rectified. Probably taking another 2 months ( Conjecture on my part ). This is utterly ridiculous in an age where banking is done 99 % by computer. Previous re-allocations have take 4 days to 7 days to occur. This is obviously a major failure on the part of Synchrony Bank. I am just one person with a payment of about {$260.00}. How many others are they causing this grief to on any given day. If they can't handle simple transactions in a timely manner, perhaps they should get out of the banking business and into something less complicated, like basketweaving.
Consumer complaint received 2017-08-11
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. (OH)

I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to my credit report.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RENASANT CORPORATION (AL)

My complaint is that Renasant Bank could not or would not answer my questions concerning providing proof of sufficient flood insurance coverage for my condo A letter from Renasant Bank dated XX/XX/XXXX states that I need to provide additional food insurance or they will purchase a policy to cover, which will increase my monthly mortgage payment. However, they did not state the minimum requirements, therefore I cant due diligently obtain their minimum requirements. 
I called numerous times today XX/XX/XXXX asking for help and was passed around several times and mostly back to the automated system which doesnt tell me anything. I finally asked one of their representatives to stay on the line until I get to the right person to help. He also was led to the wrong departments as well. The Renasant representative finally sent me to FEMA Map & Insurance exchange, XXXX, file # XXXX. FEMA sent me to the Federal Reserves Board, XXXX and they sent me to the appropriate agency which now I am lodging a complaint with CFPB. 
All Im asking for someone to explain to me exactly what the gap is and other questions so that I can be compliant Note that Renasant has all the attachments in this complaint Additionally, the website provide comes up as a potential security Risk so I was unable to pull any information concerning this issue
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (OR)

I am a XXXX, so I often spend periods of up to 9 months out of the country while I am on a ship. While I was at sea, I wanted to fix my credit, so I paid everything outstanding off. When I got back to shore at the end of 9 months I went to buy a car. In XXXX I went to XXXX XXXX of XXXX Mississippi and bought a used 2013 XXXX XXXX. They said that although I had nothing negative, and a {$2000.00} down payment, I didn't have enough positive credit to finance a used car. I said there must be something they can do, so the car dealer called Credit Acceptance. First of all, I believe the loan amount is not what I agreed to pay. The car itself was around {$4000.00} on the lot, and the financed loan amount according to Credit Acceptance is more than {$13000.00}!!! OK, so I called and told Credit Acceptance about it, and they said it would get straightened out and in the mean time I should continue making payments. Every time I would call and let them know that I thought the financing amount was wrong. They accepted my payments, and accepted my payments. I even paid a bit extra trying to pay down the loan. This continued for several months until one month I went to go pay and they wouldn't accept my payment - they said they were no longer handling my loan anymore and provided no additional information!! They didn't contact me, they didn't tell me who I needed to start paying, they couldn't tell me my payoff amount or anything - they just said they were no longer handling my loan. Not only that, they said the amount I paid early they had made a check and sent that back to the dealer, XXXX at XXXX XXXX!! I called the dealer, and they said that Credit Acceptance had sent them a check for the difference in my payments! They didn't say how big the check was, or if the car was paid off. I emailed the dealer trying to get something - anything - in writing, and I got nowhere. I can see on my credit report I have a XXXX point drop, as I was trying to refinance at the time and was completely unaware that my loan was being sold. I am very upset at Credit Acceptance for selling my loan, sending the DEALER back my " overpayment '' and not notifying me AND doing nothing to straighten out the wrong loan amount. I would like to OWN the car but at this point I don't even know who to pay!! Although I once talked to XXXX on the phone, he said to email him, so I emailed him and he never responded - I have tried to call repeatedly and not gotten through to XXXX again. Another issue is I was charged a title transfer fee and I believe I was charged twice - once at the dealer and then again when the same amount was rolled into the financing. I am currently at sea, and can't even drive the vehicle and very annoyed that they sent my " overpaid '' money to someone and won't even tell me the amount or how close I am to paying off the loan. This situation is outrageous! Please help!!
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (AR)

This is a continuation of CFPB case # XXXX. 
The problem has NOT been resolved. Still NOT getting monthly bill/statement. 5 months now. Have nothing to show how my money is being applied ( I send in extra ). 
XXXX I called see if statement for XX/XX/XXXX mailed ( my XX/XX/XXXX payment was received XX/XX/XXXX ). Sent to XXXX XXXX voice mail-no response. 
XXXX Called again talked with XXXX XXXX ( resolution team ). He stated bill was sent on XX/XX/XXXX. 
XX/XX/XXXX Called again ( no statement ) XXXX took an attitude and said she had no control over mail. 
XX/XX/XXXX Spoke to XXXX-Statement had been mailed on XXXX. Still no statement Until this XX/XX/XXXX ( when they changed their system ) had no problem receiving statements. WHY IS THIS STILL A PROBLEM?!!!! I want XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX statements showing how my money has been applied! I want my monthly bill/statement to physically arrive at my home AND in a timely fashion!!!!!! ENOUGH IS ENOUGH!!!!!!!!! THEy totally LIED in their response to me & the CFPB! XXXX also thought it was a huge joke to be reported to the CFPB.
Consumer complaint received 2020-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Service Bureau (AZ)

On XX/XX/2020, I received a notice in the mail from Professional Service Bureau. I sent, by Certified Mail, a request for this debt collector to send me proof of the debt. The did not send this proof to me, but continued to try and collect the debt, by sending me a second letter for the debt. According to Federal law, when they received this first notice from my by Certified Mail, they should have ceased all collections for this debt until they provided and proved the debt was mine, in accordance with Federal law.
Consumer complaint received 2023-01-30
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. (KS)

I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Also, how can it be XXXX  days late without first posting XXXX or XXXX  days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. The following accounts are listed below : XXXX XXXX XXXX  : {$30000.00}, XXXX XXXX XXXX  : {$16000.00}, XXXX XXXX XXXX  : {$2800.00}, XXXX XXXX XXXX  : {$12000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$11000.00}