davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
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: EQUIFAX, INC. (TN)

I had two tax liens that were satisfied and released on my credit report with Equifax. I faxed them the release from the IRS on both liens. The lien and the release has different numbers. Instead of updating the report and removing, they took the release document as a third lien and put it on my credit file as a 3rd lien. They made a mistake, I called 5 times today to fix it, was hung up on all 5 times. They refused to remove their mistake even though they admitted no one reported a third lien. Its their mistake, its a fraudulent lien they created and put on my file and refuse to remove. They all need to be removed.
Consumer complaint received 2022-01-06
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: CREDIT ACCEPTANCE CORPORATION (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX, Portfolio Recovery Associates LLC added a derogatory mark on my credit report in the amount of {$470.00}. XXXX, followed by multiple phone calls starting on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on. Under 15 U.S Code 1692b. ( 2 ) any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. This is an alleged debt being furnished on my credit report and is a violation. I do not owe this debt and Portfolio Recovery Associates has not been able to prove I owe this debt other than sending a bill via mail and calling my personal line via telephone. I am requesting this amount of {$470.00} be removed from my credit report and I receive {$1000.00} per violation or I will take legal action.
Consumer complaint received 2021-09-09
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)

This letter is formal notice that Credit Bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond. 
I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The wrong amount is being reported XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was NEVER LATE on this account.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (PA)

I have tried multiple times to resolve this problem with Investors Bank and the problem just continues. Last complaint the Vice President of Mortgage XXXX XXXX overnighted a bunch of statement printout 's that we never received one of them. We also are not able to access any statement information from Investors Bank Website. We rely entirely on Investors website to provide accurate information on our loans and to date they have not done this. I have been reaching out to XXXX XXXX for over a year, at times she has passed the work on to someone in the department who should n't have been responsible for the problem. We have a bi-weekly mortgage and Investors has been paid 26 payments up to date, one payment was accidentally applied back in the Summer to a home equity loan. This triggered a late payment on the Bi-weekly payment, I contacted Investors multiple times and asked them to fix it. They did n't fix it and they did n't respond correctly to the problem. If they had fixed it properly when this happened, it would never have started this chain of events. To date when I log into Investors website, I see some ridiculous amount of money being owed. There is no way this information is correct because of the amount of payments Investors has received. We also seem to have a problem were Investors does n't seem to know how to verify the house is insured. They are named as a mortgagee on the policy and very easily can verify insurance with the same insurance company for the past five years. Instead we are sent threatening letters about insurance on the house and threatening letters regarding the payments on this account. Last letter I received two weeks ago said we were months past due on mortgage and they could take collection action. This information is incorrect and they should n't be sending letters like that. I really do n't know what to do about this problem because we have tried to resolve it with Investors multiple times, specifically with XXXX XXXX and also with this company. This Vice President mailing multiple years worth of statements we never received is clearly unacceptable, it just shows an attempt of Investors to continue their dishonest behavior.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OR)

I am filing this complaint against Direct Express. I called 2.5 weeks ago for all the information involving a investigation fraud use, unauthorized use of my debit card. I still have not received that information. I waited on the phone for 1 hour today finally i hung up had other things to complete today. I have waited and waisted important time for hours at a time. This is uncalled for. I called today to find out where all the documents requested 2.5 weeks ago were and if they had even sent them, like i stated i got tired of waiting. had important things in my life then to spend on the phone for nothing. They are irresponsible, can not believe they are in charge of everyones ssi and ssa moneys. Poor management.
Consumer complaint received 2020-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (MI)

Over paid loan by {$2900.00}. 
Did not receive any payoff paperwork and kept making the payment after the loan was paid off. Called to see why I was not receiving any invoices any more and they said it was paid off. I said I did not receive any release of lien paperwork and they said I wouldn't.. It was a XXXX XXXX that was financed. I asked if I had overpaid the loan and they said yes by {$2900.00} and I said when were you going to refund it to me and she said they weren't. She said I had to fill out paperwork and I did so on XX/XX/20 and she told me it would take 60 days. I have not received anything yet. 
my loan number is XXXX contract number XXXX. the payments were {$710.00}. 
It was with P N C XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX, pa XXXX
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NC)

I pulled my credit back in 2008 and saw a new credit card account on my credit file and immendity call the bank ( Chase ) and told them it was n't mine nor i did n't apply for this card. The bank said they would stop the account and send a message to the three credit bureaus to have the account removed. Never happened!!! I have filed several police reports and filed report with the FTC and CFPB and now i have filed a law suit against the bank locate in XXXX County NC. This account was fraud and they know it. Please remove it now and if not ill proceed with the lawsuit in District County in NC.
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (FL)

I would like to start by saying that I have enjoyed a very professional and courteous relationship with Navy Federal Credit Union. The staff is usually available and excited to assist with any issues and or concerns. 

Unfortunately, in this instance I have spent countless hours on the phone with various people including a Supervisor regarding this issue with no resolution. Initially in XXXX we were approved for an auto loan with Navy Federal Credit Union. At the dealership we were extended an offer with 0 % APR. We accepted that deal and proceeded to purchase the vehicle. We then were going to refinance the loan with Navy Federal in XXXX and received an approval on XX/XX/XXXX The decision was made not to proceed with the refinance at that time. 

Navy Federal Credit Union was promptly contacted and advised of our decision. I was advised that the initial check from XXXX was going to be voided and that a subsequent check was going to be sent ; however due to us cancelling the loan it was never sent. Navy Federal Credit Union is now reporting this loan on our credit report. Since this loan was never fully executed this should not be reporting on our credit reports. I have made many phone calls to them and was promised a deletion however it has not materialized. I am concerned about the negative impact that this will have on our credit. We have worked very hard to maintain a positive credit file and need this resolved urgently.
Consumer complaint received 2022-09-09
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX, XXXX account # XXXX, has violated my rights. 
XXXX XXXX, XXXX. account # 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 relation 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 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

There are two accounts that are PAST the statute which I have brought to Experian several times with no outcome and need help. I even filed a CFPB on XXXX XXXX and they did n't even respond. This has to stop and it is violating my rights XXXXXXXX XXXX XXXX XXXX - PAST THE STATUTE REMOVE Plus Four XXXX - PAST THE STATUTE REMOVE THIS IS A LIE, I NEVER TOOK OUT ROYAL MILES IN 2013 THIS IS OVER 7 YEARS OLD AND YOUR COMPANY IS VIOLATING MY RIGHTS
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

In 2008 I went through the HARP program and paid all monies told to pay which were held in an unapplied account. Based on this situation the lady that called me last week told me pretty much " to Bad '' I have never ever made a late mortgage payment even if I did get to eat.I pulled my annual credit report this year to find this inaccuracy. I have filed a complaint to Wells Fargo and to the credit reporting agency. There show derogatory mark on the credit for this mortgage ( XXXX ). The lady was rude and told nothing would change on my report. It is inaccurate and I want it fixed
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I did n't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/XXXX, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved.
Consumer complaint received 2018-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I noticed a double MIP payment on my Bank of America mortgage statement and called to question it. This has happened once before and I was told by the customer service agent that my mortgage was being transferred to XXXXXXXX XXXX XXXXXXXX. I researched the company through Consumer Affairs and discovered numerous complaints from customers. I called BOA and told them that I was totally against this and that they should be protecting me from such inferior servicers. They stopped the transfer. Last month I noticed it again, I called and they refused to give me any information and told me I would be getting a letter in the mail. Two weeks later I received it saying that as of XXXX XXXX, 2018 I would be transferred to XXXX. This is totally unacceptable and I emailed them again to complain that this is a terrible mortgage servicer and fear my mortgage could be in jeopardy because of their terrible customer servicing. I am up to date with my mortgage and their is no reason for this transfer except for a profit to BOA at my expense. This practice must be stopped and is hurting many homeowners who are struggling. I fortunately am not and want to keep it that way. It is BOA job to protect it 's customers from these type of servicers or inferior service. It should be nothing less of what they offered.
Consumer complaint received 2018-03-26
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 — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I went to open a Bank account and once they ran the XXXX 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to XXXX on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter onXX/XX/XXXX requesting that they send me proof of signature.
Consumer complaint received 2015-08-03
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I have been receiving calls from XXXX XXXX XXXX regarding a payday loan with Ace Cash Express. They refuse to provide the orginal loan document, this was almost two years ago so I want to know the original loan amount before I pay this company the {$500.00} they are demanding. They also called a coworker and provided her with a case number which I understand to be illegal debt collection practice. They have threatened to garnish my wages if I do not pay {$500.00} this week.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Some BTC holdings ( XXXX BTC ) were sold on XXXX/XXXX/2018. The funding destination selected was the XXXX XXXX account number ending in XXXX which is attached to my account. The total of {$10000.00} was to be transferred via ACH within 4-6 business days as stated on their site. The transfer never materialized.
Consumer complaint received 2018-01-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Portfolio Services, Inc. (TX)

I have sent a cease and desist previously and spoke to someone there about calling friends and relatives pretending to be law enforcement and telling them I was going to jail. This was six months plus ago, before loosing everything in hurricane Harvey. The last week 3 of my relatives and a family friend, received calls from this company saying that they were the district attorney looking for me because they were going to arrest me. One call even threatened that they would be in trouble if why did not give up my whereabouts. I have never not had a cease and desist, and I have asked them to not call and scare my mom and relatives any more. My mom has had a XXXX XXXX and has a XXXX. They are calling her and threatening her. They called my cousin on Monday and disclosed all my personal information and then told her, I was going to jail. This is a terrible form of harassment. Please help. They call at least 9 times a day. To me and my friends and family.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I filed a complaint XXXX # XXXX and am still having issues with USAA. 

USAA was supposed to close my account and send me a check. USAA did not close my account and they sent me a check listing my old trust as the pay to order of. I have not been able to get this check cashed. Additionally, I am still getting letters from USAA with statement dates that are after the close date of my accounts ... .which tells me that they have not closed the accounts like they told me. 

Date of check : XX/XX/2021 Check # : XXXX USAA had a copy of the new trust paperwork on file so they should be able to reissue the check.
Consumer complaint received 2022-01-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

I have tried to resolve and pay off a loan that was borrowed by my father and his business partner who are now both deceased. I have reached out to this company over 10 times in the last XXXX months. They sent me a payoff letter and I wired them {$50000.00} on XX/XX/XXXX. They will not confirm payment nor respond to any calls or emails sent to establish authorization for me to discuss the loan and to see that I now own this property. Ive emailed as advised by a phone representative on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and everyday since then. No response at all.
Consumer complaint received 2019-10-21
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. (CO)

While requesting my ( 3 ) free annual credit reports at XXXX and after completing the online steps, I was able to download 2 of the 3 reports ( XXXX  & XXXX ) yet when I reached the final page to obtain the Experian report, their website stalled & would not download my report. After a few minutes, I was forced to refresh the webpage and after following the identity verification steps, the webpage stated that it had " timed out ''. The system thinks I've received that free 1-time report & therefore I believe I'll have to make another request which I'll have to pay for.

I proceeded to call both the phone number listed, as well as the one provided to me by your Consumerfinance.com representative, yet I could only access an automated phone system, which had no options to speak to anyone or even submit this request. 
I would simply like to receive my free report ASAP, and would appreciate any assistance on your part. 
Thank you!