davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer under an open end consumer credit as late for any purpose.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Upon checking my credit reports through XXXX ( XX/XX/XXXX ), I noticed a collection entry by Portfolio Recovery Associates, XXXX # XXXX for the amount of {$1800.00} from XXXX. I then contacted Portfolio Recovery Associates @ XXXX to advise them that this is NOT my debt and to provide some type of documentation verifying the debt is in fact mine. I was simply put on hold for extended periods of time with no resolution. 

On XX/XX/XXXX, I reviewed my credit reports again on annualcreditreport.com and noticed this debt was still on my reports. I also noticed that this account is reflecting an open date of XX/XX/XXXX and an update of XX/XX/XXXX which appears to be a common illegal practice in the collection industry known as " Re-aging '' a debt. Further calls to Portfolio Recovery Services have gone unfounded. 

This company 's actions are causing me continual financial hardship as I am unable to secure a mortgage due to this.
Consumer complaint received 2022-09-08
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. (AR)

I recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. XXXX XXXX and Transunion has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX/ XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE XXXX XXXXXXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX XXXX  XXXX / FRAUD / REMOVE XXXX : XXXX XXXX  XXXX / XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX XXXX XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXX / XXXX FRAUD XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXXXXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


TRANSUNION XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX  XXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (PA)

There are fraudulent accounts on my credit file that hasn't been removed after submitting police report. 

XXXX XXXX A Last reported XX/XX/2022 {$230.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Last reported XX/XX/2022 {$4800.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor Report info
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. XXXX Equifax and XXXX has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE ARCHILDSUPPORT/ XXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX : XXXX XXXX XXXXXXXX / XXXX FRAUD / REMOVE XXXX XXXXL XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / XXXX XXXX XXXX XXXX XXXX  XXXX FRAUD XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXXXXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXXXXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

XXXX was on my debit card which USAA put a credit monitoring on all of my usage, which then they sent me a report where an old closed XXXX account was tried to be used in Georgia. I also have several inquiries for new credit cards neither XXXX of the credit bureaus are fixing or helping me even though XXXX a credit monitoring on all of my usage, which then they sent me a report where a old closed XXXX account was tried to be used in Georgia. I also have several inquiries for new credit cards neither one of the credit bureaus are fixing or helping me even though I am disputing these closed accounts that are not mine and are 78 years old that continue to stay on my report and are ruining my credit score and they are also allowing these inquiries to go through even though I have a credit freeze
Consumer complaint received 2021-02-04
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: CITIBANK, N.A. (MA)

I got a message on my voicemail that said I was going to be " processed '' at my work and pursued legal action against if I wasn't going to contact these people about this debt. So I called the number they left on the message back, gave them some information and they told me about a debt for roughly {$3200.00} that was from a XXXX credit card. When I asked more about the situation they said that if I was not willing to settle the debt that I would be charged and they would garnish wages up to {$7000.00}! So I said that is absolutely insane as I don't remember ever having a Citi Bank credit card, and they agreed to allow me to settle the debt for the original settlement amount from XXXX for {$1200.00}. I agreed to pay this fee and then I looked up the company and it does not seem legit! I got a receipt from them via email and also had to sign an agreement about the payment of which I still have the PDF for.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XX/XX/18- Recieved in the mail HSBC Mastercard credit cards for my wife and myself that we never applied for nor want. I spent 25 minutes on the phone getting these cards canceled and want to be sure that they are never activated.
Consumer complaint received 2017-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

I received a copy of my credit report a few months ago and saw that there were some questionable items on my report. In XXXX I sent a letter to the credit bureaus asking for verification on this account - no verification provided. I sent a second letter to the credit bureaus i received the contact information for this creditor from the bureaus. I contacted the creditor asking for details on what this filing on my report is for. I have not received any answer for this except from the credit bureaus saying that this item is " verified. '' I have given this company over 30 days from when i sent the 2nd letter and almost 6 months since i sent the first letter. i am frustrated to see that in addition to receiving NO RESPONSE this item continues to show up negatively on my report. please investigate.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates accout number # XXXX was paid through a negotiated settlement in full on X/XX/2013 ... .. It was turned over to them from XXXX ( Banking ) ... .. Requested account be updated and close ... .. Other credit bureau agencies have accurate information of closed settled status ... ...
Consumer complaint received 2019-03-03
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: Exeter Finance, LLC. (FL)

On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are fraudulent accounts on my credit file that hasn't been removed after submitting police report. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$230.00} Open balance XXXX XXXX BANK XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/2022 {$4800.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor Report info
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MN)

CitiCard/CitiBank : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Consumer complaint received 2024-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

Sadly, Marcus by Goldman Sachs is being dishonest. 
They are illegally holding my deposits longer than the agreed-upon timeframe. 

I deposited {$1000.00} on XX/XX/XXXX. Six days later, on XX/XX/XXXX, it became available. 

I spent HOURS on the phone/chatting with Marcus, trying to transfer approximately {$450.00} to pay for my airplane ticket to my Uncle 's funeral on XX/XX/XXXX. My experience was devastating, but the agents gaslighted me, insisting there was nothing they could do! 

I deposited {$1000.00} on XX/XX/XXXX, but the funds were not available until XX/XX/XXXX, six days later. I confronted the company about their illegal procedures on the chat, and the manager said I had to call in to resolve the matter. They were closed. 

Finally, in my previous complaint to the CFPB, Marcus by Goldman SAID THE AGREEMENT IS FIVE DAYS! 

They said they did nothing wrong and closed the case, THEN TRIED TO CREDIT ME {$75.00} AS A COURTESY.
Consumer complaint received 2018-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ditech Financial LLC (NC)

Ditech home loans was my mortgage company. My mortgage was sold/given/bought by another holder. I sent 3 payments by XXXX XXXX XXXX bill pay to Ditech after my account was closed with them. The amounts were XXXX each payment. One payment was forwarded to my new lender. The second was mailed to me. The third payment is being held by Ditech. They have acknowledged that I sent 3 payments and realized that they have not returned my final payment. This has been going on for 5 months. I have called and spoke with several persons regarding this matter and have been told every time " the check is in the mail '' and to wait a few days. Ditech sent two checks out to me which I never received and asked for my routing number so they can deposit it into my account. I gave them 2 weeks to do that and still I have not seen my money.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NH)

I had a car loan through Santander Bank. My loan originated in XXXX. After 2 years of paying on the loan I couldnt understand why the loan amount was n't going down. I had talked to them in the past but never really paid to much attention. When I finally really started looking at my statements I came to discover that with the {$510.00} a month car payment I made only {$9.00} was going towards my loan every month..I couldnt believe it. Come to find out, they also added XXXX a day to another loan for a personal friend of XXXX she had no idea they were doing ... Her {$1600.00} loan turned into over {$15000.00} in the end ... Santander bank as a whole is a relentless corporation and they are thieves ... I feel that someone should seriously look into how much money they are stealing from consumers EVERY DAY!!! THEY NEED TO BE INVESTIGATED!!!
Consumer complaint received 2021-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

This letter confirms I was eligible when I applied for student loan forgiveness in XX/XX/XXXX and wrongfully denied XXXX times XXXX dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The letter states I was eligible in XX/XX/XXXX. It also confirms I am XXXX payments over the XXXX required payments. Hence we are in XX/XX/XXXX and seven months ago I qualified for forgiveness. I could be done with this process had I been approved for forgiveness in XXXX XXXX when I first applied.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (KS)

On XX/XX/year> I made a payment to XXXX XXXX in the amount of {$450.00} to settle an outstanding debt with Jefferson Capital Systems. I received a confirmation email from XXXX XXXX stating that this payment would settle and resolve my account with Jefferson Capital Systems. 

The account was updated on my credit file but only reflects that I made a payment of {$450.00}. The account is showing I still owe a balance of {$840.00}. This is incorrect per my email from XXXX XXXX. I tried reaching out to true accord who told me I needed to speak with Jefferson Capital. I was unsuccessful reaching anyone on the phone at Jefferson Capital so I submitted a dispute with the credit bureaus. This dispute was rejected by Jefferson Capital.

It has now been over 90 days that Jefferson Capital has been falsely reporting on this account.
Consumer complaint received 2022-03-10
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-09-07
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 (IL)

I have used the American Express XXXX XXXX Back card for about 10 years. Over that time, I built up substantial rewards, about {$1200.00}. 

Over the course of the last 3 months, I have tried mightily to redeem this amount. I have spoken with customer service 8 times over the last 3 months, with each call lasting over half an hour. 

Every time we speak, they say they will issue the credit without any problem. And every time they do not.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Flagstar Bank, N.A. (MN)

I am filing a complaint for Flagstar Bank opening account without my consent, restrict my access to my own account and illegally hold my fund. Here are what happened. 

1 I opened a saving account ( account number ending with XXXX ) with XXXX XXXX when I was living in XXXX  in XXXX. 
2 Flagstar bank purchased that XXXX XXXX branches in XXXX. 
3 I was out of the country in XXXX and didnt see any notice they mailed to me. 
4 Flagstar opened an account for me to take the funds from XXXX XXXX without my consent. 
5 I relocated from XXXX to XXXX at the end of XXXX. Lots of XXXX XXXX branches here but the nearest Flagstar branch is ~500 miles away. 
6 I am trying to get access to my account at Flagstar but their system asks for account number, which I dont have. 
7 I contacted them multiple times, I was told it is their policy not to disclose the account number through the phone, even after verify my SSN, name, address and Date of birth. 
8 I was also told I could get my account number though online banking but in order to login my online account I will have to provide the account number. ( screenshot attached ) 9 I contacted branch ( phone # XXXX ) where my account locates in order to close my account. I was told I will have to either go into the branch ( hundreds miles away from me ) or send them written request with my account number ( again, I dont have ) and notarized signature. I was also told by the customer service that I will be responsible for all those costs ( time, driving, notary etc ) by myself. 
10 Meanwhile, they are putting $ XXXX/month service charge ( statement attached ) to my account that I didnt give consent to open, I dont have access to and I couldnt even find an easy way to close.
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I purchased a used vehicle from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) in the last couple weeks. There appears to be only minor issues with the vehicle ... rather, my complaint is in regards to their handling of my financial situation as it relates to the purchase. Here is a bullet point list of issues as they stand as of this writing : ( details in contract attached ) * The finance guy, XXXX XXXX, said " Oh, and the warranty is included '', however, after having been rushed through the paperwork, I reviewed it upon finalization and it is NOT included, it was added on ... over {$2000.00}. 

* XXXX XXXX also added roadside service, at my expense. ( both this and the above are OPTIONAL and I was not properly informed of them being added let alone given the option to select or decline. 

* The agreement between myself and XXXX XXXX ( salesman ) and his manager ( XXXX XXXX  last ) that I could take possession of the vehicle and pay the down payment of {$620.00} by XX/XX/2019. Today ( XXXX ) I discovered a withdrawal from my checking account for {$310.00} that I did not authorize! 

I phoned XXXX XXXX who said he knew nothing of this transaction of # XXXX from my account today, but assumed it was his 'business office ' and they were closed until Monday ( XXXX ) so nothing could be done until then. I told him that was not acceptable, that this needed to be rectified immediately. He said it was impossible. He suggested I speak to the dealership manager and took my name an number and said he'd ( the mgr ) would call me back. As of this moment XXXX XXXX, the dealership is closed and I have yet to receive a call! 
The used car division of XXXX is on the same property as the new dealership, to the west. This location, I believe, is occupied by personnel of the Credit Acceptance company. Thus, I believe they are acting in concert as it certainly seems that XXXX must be well aware and thus condoning, supporting and encouraging the activities of Credit Acceptance.

If I am correct in that the personnel at this location are Credit Acceptance employees, then it is them who added items to my loan without agreement or consent and committed consumer fraud through subprime lending practices. 

The location information I have provided is for the Colorado location in XXXX as I don't know the home office address of Credit Acceptance.
Consumer complaint received 2021-09-07
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: JPMORGAN CHASE & CO. (CA)

In XXXX of 2020, JPMCB credit card account was closed, and with 12 month or 24 month time period of payment plan to be automatically withdrawn from my checking account, however this process was not complete due to their mistake and I was reported for no payment/latepayment for 5 month period of time without notification. Notification was sent by JPMCB, but to an old email account and with out an alerting me as an emergency that I needed to take action. 
I have been trying, going back and forth with credit report agency ( XXXX, XXXX, XXXX ) and JPMCB, trying to take the late payments out of the report with unsuccess. I do feel it is not fair in terms of this reporting because of their mistake in their part of not completing their work correctly and not notifying me with an urgency. As of now account is in very good condition but this was after I found out there was issues. Please help me solve this problem in my credit report. Thank you
Consumer complaint received 2021-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I submitted a complaint and this was the response send to CFPB. It shows I'm sending payments but it shows how the loans have never adjusted in amounts in years. I want a statement of account showing payments and how they affect the loan amount. How can someone pay money monthly for a decade and still have the final balance?