davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

I attempted to get my free annual credit reports on XXXX from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX  report. XXXX  and Experian 's links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both XXXX  and Experian. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (VA)

This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH XXXX  XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH XXXX XXXX VA in regard to deleting this inaccurate information.
Consumer complaint received 2022-03-30
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

While checking my credit score, showing missed payment of XXXX XXXX of XXXX, as I already paid my gas bill of XXXX in XX/XX/year> on time as XXXX XXXX moved to new billing system but in credit agencies XXXX, TransUnion, XXXX credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Paid XXXX towards my principle on XX/XX/2020 Money was not applies correctly. 
Called on XXXX to have it corrected Nothing was taking care of Called on XX/XX/2020 spoke with person to have the correct it still nothing happened. 
Called on XX/XX/2020 started case XXXX to have the money applied the correct way still nothing. 
Called on XX/XX/2020 Case XXXX to have them try to correct the principle payment again and still not corrections. 
Called on XX/XX/2020 Spoke with XXXX to have them just send me back my XXXX to be electronically deposited into my checking account sent over via email all bank info so have the money refunded. Still nothing Called on XX/XX/2020 Spoke with XXXX to find out why money had not been deposited and he said it was escilated to XXXX XXXX and that it would be handled within 3 business days. Still nothing Called on XX/XX/2020 spoke with XXXX again money was applied to loan and not returned to my bank account another mistake. He DM XXXX to have him contact me to get it corrected. Waiting ... ... ... ... ... ... .. 
Help please
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card account with Capital One for 5-6 years now. While I haven't used the card much in recent years, I keep getting monthly e-statements from them in my email inbox. 

On XX/XX/XXXX, I decided to login to the online account just to check things, and saw a banner there saying my account had been closed without me asking for it to be closed, or getting any notice. I initiated a chat with their customer support, which was quite frustrating with them giving me stock responses without explaining why they closed my account without even giving me notice. 

They claim they sent a notice to me 90 days before account was closed on XX/XX/XXXX. Interestingly this is at odds with what another representative told me earlier in the conversations, that notices had only been sent out XX/XX/XXXX, not even giving it sufficient time to reach me. I repeatedly told them I did NOT receive any notice, and that I had updated my new address well in advance of them sending any notice. After a lot of annoying back-and-forth, they admitted that the notice may have got lost in the mail, and so I asked them to re-open my account that was already there. 

They kept saying they couldn't do that, and that I can apply for a new account. Clearly after this experience I have no intention of applying for a new account. But my existing account being closed without even giving me a chance to take corrective action can have serious impact on my credit history, and is highly irregular on the company 's part.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

My reliacard was frozen 3 weeks ago because of a fraud check. I called the company and was told to verify my information on their website which I did. They never made my card active. I called back and they told me to fax a copy of my license over and resend my license picture through the website which I did. I keep calling to find out why my card remains inactive and they can't give me an answer. I need to pay my rent or else I'm getting evicted. They said it should take 7 business days but it has been 3 weeks.
Consumer complaint received 2021-10-21
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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (VA)

XXXX XXXX XXXX, the loan originator XXXX XXXX XXXX and Paramount Residential Mortgage Group, XXXX MUST NOT be allowed to do hard inquiries on my credit without my official consent, But since they do not care ( no matter how many times I ask not to ), I decided to submit a complaint here and should be a lesson so they stop harassing people. 
So the story is we decided to refinance our mortgage last spring and Paramount Residential Mortgage Group XXXX XXXX was suggested, the loan originator XXXX XXXX XXXX pulled our credit on XX/XX/2021 through the XXXX XXXX XXXX for the first time off course with our consent and approval and started the process but due to some financial complication we stopped the refinancing process at that time. 
Later again on XX/XX/2021 XXXX XXXX XXXX this time WITHOUT our approval and written consent opted for a hard inquiry on my credit. We just called and talked to him not to do this ; and we tried to think it was with good intentions to help us take the advantages of the lower rates. 
But AGAIN on XX/XX/2021 he did another hard inquiry through XXXX XXXX services on my account absolutely WITHOUT my written consent, not even some verbal heads up, and I got the notification of this and the negative impact ... I thought I can not live with this anymore, this is very rude, inconsiderate and bothering..this is not right! 
I just called and complained but since they might not care and I am sure this will happen again and again -not to only me but others- I decided to submit a complaint here to let the companies know what is happening and prevent their employees from harassing the customers. I do not even know how to and with what language I tell them that leave us alone, plans changed and we do not want refinancing anymore! XXXX XXXX.
Consumer complaint received 2021-05-29
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. (GA)

I had a business credit card with XXXX XXXX XXXX. due to Covid 19 I lost my business, and all of my income, I tried to make payments throughtout the panemic, until I no longer could afford the monthly payments. XXXX has been reporting this information to my personal credit report as deliquent, and account closed, with a late status of XXXX of credit card debt which belongs to my business. This has really affected my personal credit rating. I am trying to recover from the effects of covid 19 and get back on track. I have spoken to XXXX as well a Experian Credit Agency to try and get the problem resolved, I keep putting in disputes complaints with Experian and nothing has changed. 

The credit card is a XXXX XXXX XXXX XXXX XXXX Credit Card XXXX is XXXX
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Complaint : Unable to cancel credit card Date of complaint : XXXX XX/XX/2024 Agency : Bank of America XXXX Credit Card Description : XXXX. Called @ XXXXXXXX XXXX  MT to cancel the credit card. 
XXXX. Via the automated phone system offered I selected " CARD CANCELLATION '' option XXXX. Call was transfered to a " HOLD '' line but was never answered XXXX. No verbal indication of " TIME on HOLD '' before connecting to an agent XXXX. After XXXX minutes, I hung up and redialed. 
XXXX. I re-attempted to cancel the card but again was never connected to an agent. 
XXXX. I tried the " INTERNATIONAL NUMBER '' printed on the card. This also failed to connect. 
XXXX. I attempted to reach an agent via their " CONCIERGE '' ( sales ) phone number featured on the credit card log on home screen. The sales agent transferred me but again I was upable to reach an agent who could cancel the credit card.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have contacted Portfolio Recovery Associates, LLC more than once now, I have sent them requests by certified mail regarding 2 collection accounts on my credit reports. One for {$670.00} and one for {$410.00} I have requested validation many times. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. All I receive back is copies of bills from the original creditor I assume. Again these are not my accounts. I also told them that I am giving them a 30-day notice before filing suit. On XX/XX/2021 was my final attempt to Portfolio Recovery Associates, LLC to have these removed from reports. Again they keep on sending me a photocopy of the statement. I keep on asking them to please show me that I have ( or ever had ) some contractual obligation to pay you. 

Best XXXX XXXX
Consumer complaint received 2021-05-29
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. (FL)

I am writing to delete the following information in my file. The Items I need deleted are listed in the report. I am a victim of Identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2021-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland funding Llc has added a collection to my XXXX  file. I do not recognize. I sent a dispute to XXXX  regarding this account. Midland sent me a copy of a statement from 2016 that does not have my name or any other information on it. It just says the amount of {$920.00} is due
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OK)

Company offered XXXX bonus points for new consumer cards and XXXX bonus points for new business cards. I applied and was approved for a new business card ; however, I only received the XXXX bonus associated with the consumer card.
Consumer complaint received 2020-11-03
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: CREDIT ACCEPTANCE CORPORATION (PA)

Credit acceptance has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau credit acceptance reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged credit acceptance didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX where credit acceptance spoke with 3rd party released my account information and have promise mechanic payment for damages credit acceptance was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX kept vehicle almost one year only consultanting directly to credit acceptance where they released my account information with XXXX XXXX XXXX. Credit acceptance made negotiation with XXXX XXXX XXXX without me and retrieve vehicle from XXXX XXXX credit acceptance robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable credit acceptance took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by credit acceptance not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer credit acceptance picked up vehicle from XXXX XXXX XXXX which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it credit acceptance needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on credit acceptance behalf of my credit
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After XXXX calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within XXXX calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX)

In XXXX of XXXX after a billing issue, I filed a CFPB complaint against Concorde Auto Acceptance. In their response, I found thay my contract I had with them was not valid and Concorde was not present, nor was it disclosed that my contract would be transferred with my consent. Auto City Credit not only breach the contract, but also my privacy was breached when XXXX XXXX, who XXXX is XXXX XXXX, transferred my contract to Concorde Auto Acceptance, which is also XXXX XXXX XXXX, blindly without consent or knowledge, creating a trilateral contract that I did not sign. Since then I have had Concorde through usps ( federal ) harrassement and threaten criminal. When I sent XXXX XXXX and Concorde a cease and desist, Affidavit of Truth requesting financial records ( journal, ledges ( on and off ), account ( including tax ), which I am entitle too under USC and UCC. And rescind my contract based on their TILA violations and USC, CFR violations. XXXX XXXX, who suposedly " TRANSFERRED '' my contract to Concorde, filed suit and illegally attempted to tow it several times, breaching the contract and my right to arbitration. After enduring mental duress and stress from XXXX XXXX and Concorde, I came in knowledge of instruments, and sent XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX, to discharge the debts and payoff according to UCC, USC, and, which he recieved on XX/XX/XXXX at XXXX, per certified mail receipt XXXX, alone with IRS Tto release my property fron interest and notarized statement accept all rights, titles, and interests as the agent to the account I have with them. XXXX and/or XXXX XXXX never repsond. XXXX XXXX then committed another violation, for the company recieved payment, but committed Auto theft and had my vechile towed, for if the court was in knowledge of this payment, they would not had the right to tow. I then recieved a certified letter from Concorde, that they were in possession of my vehicle and was going to file a XXXX ( one of which I already sent also with other instruments to Auto City XXXX XXXX who is over both companies ). I never signed a contract with Concorde, which makes them a debt collector and their letters come off as harrassement. I have since filed a motion to protect my federal consumer rights, which has been violated serversl times with both these companies. I have sent Concorde and CC/witness many agencies a Conditional Acceptance and am waiting on a response, ONLY VIA USPS. My next step with XXXX XXXX will stay legal and I will not disclose, I will also be selective to the documents I upload, for all documents will be used as exhibits in litigation and do not want their legal team to have access too, to early. I want to make CFPB aware and most likely I am not their only consumer who might have the same issue with XXXX XXXX XXXX and their past clients might not be aware of the breach in contact, privacy, or TILA violations and their rights.
Consumer complaint received 2021-05-29
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: EQUIFAX, INC. (FL)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I was contacted by Evergreen XXXX XXXX. Many times. I was dealing with COVID.. I had issues paying bills. I had gotten lots of assistance. I told them I would work on repaying the Director would not work with me. 
They CALLED MY PARENTS AND THREATENED THEM. I can not believe they would stoop that low. 

I am finding out what I can do about harassment. This is crazy!