davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
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. (OH)

On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, XXXX XXXX is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a XXXX XXXX representative XX/XX/XXXX in which she confirmed on a recorded phone call XXXX XXXX received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( XXXXXXXX representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.
Consumer complaint received 2021-08-10
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. (TX)

I have sent in countless letters to XXXX  and TransUnion consumer reporting agencies regarding the XXXX XXXX account on my report. I have served XXXX XXXX with a Cease and Desist Notice. The XXXX XXXX account should not be on my Consumer report. I haven't given any company or person permission to furnish XXXX XXXX on my Consumer report. Both XXXX  and TransUnion should delete the account immediately before I take legal action against both Consumer reporting agencies according to the FCRA.
Consumer complaint received 2021-04-26
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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (MD)

I reached out to BMW financial services to correct issues around my trade-in of my other vehicle. It took BMW financial services four months to post the payoff I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The problem is the account is reporting 19 payments late and those payments have been reporting for more than three years which does not support the term of the loan. At the time when I first noticed the inaccuracies I reached out immediately BMW made the adjustment and delete it from one credit Bureau agency however they have not cleared the matter from all the credit bureau agencies. I called BMW on several occasions and was told I could not speak to anyone regarding the credit department that I would need to write a letter I have written six letters and not heard back from anyone over the past 2 1/2 years. I went to refinance my car these issues came up again that BMW is reporting 19 payments late or 19 payments past due and I have never been been late on my vehicle beyond one month. I was under a program that extended my payments for three months and paid the {$80.00} fee which push three payments to the end of the loan however I pay those funds well in advance and I am above and months ahead on my car note. I would like for BMW financial services to correct my credit bureau immediately and adjust those late payments that they are reporting as they are hindering me from moving forward into purchasing a home and making larger purchases. I am trying to start a business and this has been causing me some significant problems. I have a security clearance that Im reporting and have this listed and its been listed for four years as an ongoing recurring dispute. I need BMW financial services to correct their errors or be penalized for false information and cause an eminent harm to an innocent creditor who has been paying her bills timely
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

FCRA Viloations not mine not my loan XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6500.00} Balance updated XX/XX/XXXX not my cc XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX was never late XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX not my address XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX not my phone numbers  XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (TX)

I was emailed by paypal because someone had recently charged back causing my paypal to go negative. This is very inconvenient because I am being falsely accused to pay money that I shouldn't be paying. I am wondering how this can be resolved because I shouldn't be having to pay {$490.00} due to someone having the ability to charge back and cause my paypal to go negative. The email regrading my paypal account is XXXX XXXX
Consumer complaint received 2021-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have told this company dozens of times they do not have the right phone number for the debt they are trying to collect on. It doesnt belong to me- and I continue to fight it. Further, they have required me to download and pay for call filtering apps to stop their INCESSANT phone calls. I tried complaining previously that they call me repeatedly after asking them to stop. But their response was we are not authorized to speak with the CFPB because person has not authorized us to do so. How am I going to authorize anything when I told them to stop contacting me by phone and I will only accept things by mail? In writing?
Consumer complaint received 2021-08-10
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. (AL)

I submitted a letter to the three consumer reporting agencies over 45 days ago and I still have not received a reply back. I dont know if they have just ignored my request but I want this to be taken care of quickly. I'm on the process of getting my first home and this is keeping me from closing on this mortgage. I would hate to lose out on my American dream due to lack of response. I may not know much about certain things but I do know that the website states that I should have had some kind of response within 30days or it is supposed to be deleted. I need this to be done immediately becuase if I lose out on this house me and my daughter will have no place to live. So unless you want to provide me with housing and reimburse me for the money I may lose on this closing I would like my request to be processed or I will have to seek litigation for these companies not following the law.
Consumer complaint received 2020-11-12
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: American Credit Acceptance, LLC (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on American Cr ACPT for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I DISPUTE THIS DEBT!!!!!!!!!!!!!!!!!!!!!!!!!! 
Hello, I will make this as plain as I can. I have lived in XXXX Florida XXXX XXXX XXXX account. I would have sent you a certified letter return receipt requested asking for proof of this debt, but as we both know your company has a track record of not responding to them. Convergent Outsourcing inc., never sent me a bill or any notification of this debt. I am a victim of Identity Theft. I found out about this debt last night and today I filed a Police Report with the XXXX XXXX XXXX case number XXXX. I could also type out all the codes you are violating under the FCRA and the FTC and CFPB rules for Debt Collectors, but why bother you know them as well as I do. I expect any and all derogatory action to stop while you respond to this complaint. I want to see any and all paperwork about this account ( Verification of the Debt ). I want the address of the location that used the power, I want the date it was opened how long it was opened who had the contract before this fraud account, and the bank account or the credit card information for any and all payments. If the payments were made at a check cashing location I want video of the person who made the payments. This is not a game so please understand you are committing Libel and defaming my name and credit report. I know company 's like yours like to tell people you will take them to court, but in this case, that's not needed because if this doesn't go away if I don't get a letter from you apologizing for reporting this fraud account in my name I will be more then happy to take you to court.
Consumer complaint received 2019-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (AZ)

This week I received the attached email, and also a text, stating that my Visa Credit Card ( XXXX ) had been attached to Google Pay. I never asked for this and I went through the various representatives to discuss and they all said this was an error, but I don't trust that some organization isn't doing something that violates financial regulations. 

To be clear I don't have and never had a Google Pay Wallet account and I don't have a Google account under my email XXXX to which this email was sent. I spoke to the following organizations and they have all stated this was a mistaken email and my account has not been attached to Google Pay. But I still don't trust this. I want to know why this was sent out and what is actually going on behind the scene because I don't trust that they are following privacy and financial regulations. 

XXXX - XXXX Visa - XXXX XXXX - Transferred by Visa, don't have their number Google Pay - I couldn't find a number for them Thanks much. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Flagstar Bank, N.A. (MI)

I opened a new checking account at Flagstar Bank in XXXX XXXX, MI, then a week later, a XXXX XXXX there called me and demanded that I go down to the Social Security Admin and get a letter from them stating that my SSA Card that I had given them was indeed mine. She stated that Date-of-Births are printed on cards now and that my replacement card with a recent date can not be correct. But DOB 's are not on cards, however since 2007, the date of issue is printed on the card. She changed her story again and again, then said XXXX XXXX   had flagged me and that they wanted more proof of who I am. So, in 35 degree weather, this XXXX & XXXX Veteran went out to catch the bus to go down there and then get a number and wait in line for an hour. I explained the story to the clerk and in a surprise, he did furnish me a letter, but said that management would call XXXX XXXX XXXX  as the SSA is not to be used this way. I got wet & was exhausted and then emailed it to XXXX, but she did not reply even after 4 hours. What's this all about - some kind of joke? I signed up for the {$250.00} bonus for opening a new account. Banks advertise these things. Are banks now trying to entrap folks for answering the ad? Have I signed up for too many? Each institution limits the bonuses to 1 per year. This seems abusive and further explanation should be forthcoming.
Consumer complaint received 2021-08-10
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. (TX)

I have sent in countless letters to Experian and XXXX  consumer reporting agencies regarding the XXXX XXXX account on my report. I have served XXXX XXXX with a Cease and Desist Notice. The XXXX XXXX account should not be on my Consumer report. I haven't given any company or person permission to furnish XXXX XXXX on my Consumer report. Both Experian and XXXX  should delete the account immediately before I take legal action against both Consumer reporting agencies according to the FCRA.
Consumer complaint received 2020-02-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cheadle Law Firm (TN)

Cheadle Law Firm in XXXX, TN is suing me for XXXX XXXX XXXX as the original creditor. This law firm sued me well before the 30 days their letter said they would give me by law. They broke the law and the Fair Credit Reporting Act. 

In UNDER 30 days, I already had a summons to appear in court. 

I have contacted other agencies as well but these people are highly unethical in their dealings as a business and law firm.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

I owe a debt of XXXX for a future pay account that the debt collection agency Transworld Systems Inc is handling I set up a payment plan monthly with them I been making my payments ever month on time but they keep calling not me but my husbands cell phone constantly even after repeatedly telling them that is not the correct number to be calling and to stop they apologize and tell me they removed his number and I give them my number but they continue to call him I call them back they tell me the same story they removed his number but yet continue to call him about a debt that is being paid and has nothing to do with him they never call me even after I give them the correct number
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MT)

I hired a moving company that never provided the service for my move and i was still charged. 
This company never provided the required services for my move. When I called about the move, they stopped responding. This moving company never provided the services required under the contract for my move in early XX/XX/2020. They charged me a deposit ( {$920.00} ). I called the XXXX XXXX XXXX XXXX at least ten times over three weeks. No response email or phone. When I was forced to cancel the move and hire another moving team, I reached out and asked for a full refund. The customer service general email and sales manager stopped responding to my emails. 
I tired to dispute the charges with Chase Bank once I realized i was charged. I disputed this with Chase Bank for over a year after hiring a lawyer to summon the said moving company, and come to find out that this moving company was a fraud and closed down it's business. When I asked Chase to reopen this claim with proof from my lawyer that this business was closed down to several fraudulent acts toward several people, Chase Bank would not review or discuss or refund me the monies. I sent Chase Bank the summons and civil actions paperwork as well as the receipts and complaints. They still refused to look into it.
Consumer complaint received 2018-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MO)

when i first started financing the vehicle on XX/XX/2017 it was financed through santander consumer USA which my interest rat was 22 percent but i got a call from young blood XXXX where i bought the car they said the loan was sold to XXXX XXXX with a lower interest rate but when i looked at the paperwork it was 4 percent higher making it 26 percent making my payment almost nearly impossible to make on a loan that was XXXX XXXX dollars changing the total repayment after 72 months to XXXX XXXX instead of the XXXX XXXX i had initially signed for and I know they are the same business so i call and ask why they would not give me a straight answer then the car broke down and i had extended warranties and gap insurance also mechanical breakdown purchased from the loan company they denied to fix the car. i told them i would continue making payments it would just be about a month before i can get it fixed because it was almost XXXX bucks to fix a week went by and the dealership called XXXX XXXX  and told them to come reposes the car because i had abandoned it witch i had not i was in there every other day to check on it. all in all i believe this is violation of the truth in lending act and very wrong of them to trick me like this.
Consumer complaint received 2017-08-05
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. (GA)

Around X/X/17 I called XXXX about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

In XXXX of XXXX I went into a Macys store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from Macys for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit  from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from Macys in May..so that clerk apparently added this to the new account and did not charge my card.

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. Macys said they could not talk to them because  the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.