davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (VA)

CPS has harassed me for years by calling my work place and cell phone at least five times a day each ( from about XXXX different phone numbers ). They 've contacted my supervisor, Benefits coordinator, ex husband, parents, friends and even the salesperson who sold me the car regarding payment. They have used threat tactics on my exhusband ( threaten to charge his card if I do n't pay by due date ). They 've taken payment on unauthorized dates, and threatened to pick up my vehicle if I was unable to comply when they wanted me to even though I was proactive and trying to negotiate with them due to a nasty divorce. They have embarrassed me to friends, family and coworkers. I tried to sell my vehicle and settle with them but because I was about XXXX short on the sale price, they did n't go through with it. They were not willing to negotiate but they were willing to bully and intimidate. I opted to voluntarily surrender the vehicle but they picked up my vehicle before I could. They never returned my plates and I never got a chance to obtain my personal belongings from the vehicle. I requested documentation and a full accounting of my account, and to date they have not responded to me but are still reporting to the credit agencies. They are reporting a past due balance and a charge off balance on my reports. Before the they took the vehicle they engaged in illegal harassment practices and I am sure they did the same when taking the vehicle. This company has also loss in a class action suit against them that I was unaware of at the time. My situation is n't an isolated incident, this is how they practice business. I am highly distressed over the negative impact this has had over my life and credit.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

After checking my credit reports I notied that my SOCIAL SECURITY NUMBER is listed incorrectly on my EQUIFAX credit report. I called to today to try to correct the inaccurate information and was told that I need to file a complaint.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MA)

We got a mortgage through Guaranteed Rate and closed on our home on XX/XX/21. Included in our closing documents were the first two payment coupons with due dates of XXXX and XXXX. We made our first two payments. We received notification that our mortgage was sold to XXXX XXXX and would be serviced by XXXX XXXX Bank. The notice from XXXX XXXX was dated XX/XX/21 and said the mortgage was transferred on XX/XX/21. On XX/XX/21 we received our first correspondence from XXXX XXXX Bank. This statement was dated XX/XX/21 and postmarked XX/XX/21. This statement said we had a payment due XX/XX/21. It also appears that only one payment is reflected and was somehow lost between Guaranteed Rate, to whom we made the payment, and our new servicer. I contacted both Guaranteed Rate and XXXX XXXX. Guaranteed Rate has not been responsive. XXXX XXXX told us that we needed to resolve with Guaranteed Rate. I inquired with XXXX XXXX about the grace period provided to borrowers when a mortgage is sold. My understanding is that there is a 60 day grace period. XXXX XXXX said our grace period started on XX/XX/21, the loan origination date. I believe both Guaranteed Rate and XXXX XXXX are not acting in good faith and are breaking rules.
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

XX/XX/XXXX. I was seen by a XXXX XXXX on two ( 2 ) occasions. XX/XX/XXXX & XX/XX/XXXX. I received a call from Allied Collection, stating I have a debt from such named doctor. I was n't made aware of a debt until now, on XX/XX/XXXX. I then contacted the office of XXXX XXXX. Where then I spoke to settle the matter. She was NOT helpful ... .RUDE. I was n't trying to get out from paying what I owe. I just was n't informed or contacted. Which having the same number for over ten ( 10 ) years & residing at the same address since XX/XX/XXXX. Again I do n't believe this action of fees is fair because I was n't contacted, then the time I was contacted and who I was contacted by 3 3/4 years later. Is their a " statute of limitations ''.
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alpine Credit, Inc (CO)

This collection company continues to call me but they have never sent me any paperwork, no notices and no explanation on what the debt is for. After doing some research I found out that they are not licensed to do collections in the state of Colorado.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that is on my report is XXXX XXXX XXXX XXXX, IL XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2015-08-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (IN)

My son was XXXX and I informed the company that he was deceased and the family did not want the vehicle and that the vehicle was totaled. I also informed them that they can get whatever information that they wanted concerning the vehicle from the XXXX Police Dept. I am not a co-signer or guarantor or anything on his loan. My son had no insurance at the time of the accident and has no estate because he did not have anything I have asked them not to call me anymore. They are calling my cell phone while I am at work 3 and 4 times a day not to mention the number of times that they call my house. The company name is Credit Acceptance and there are several numbers that they call from one of the numbers is XXXX.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Monterey Financial Services LLC (MA)

The company Monterey Financial has continued with attempts to collect a debt that was included in bankruptcy as XXXX XXXX2016. They have gone as far as reporting this debt in different amounts twice on my XXXX credit report on XXXX XXXX, 2016 after the filing date of XXXX XXXX which violates the FCRA along with repeated phone calls violating the automatic stay from the bankruptcy filing. They have also verified that this account still has a balance and is not included in bankruptcy on all XXXX credit reporting agencies which is another violation.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (PA)

Somebody toke money out my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NJ)

Due to family medical issues I did not make monthly mortgage payments for about a year. Recently, I was able to find a buyer on the home and the only thing delaying the closing is the payoff statement. Twice the bank provided an expired payoff statement, which I can not use. I called the Bank 's attorney and the direct me to the Bank. I call the Bank and they direct me to the attorney. I would think not being paid for a year, the Bank would be eager to get its money.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute a late payment entry that appears on my credit report. Upon reviewing my credit report, I noticed a late payment listed, which I believe to be inaccurate.My account with XXXX XXXX XXXX XXXX was never late.I have proof from the XXXX credit bureau also. 
Below are the details of the disputed late payment entry : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX The exclusion clause from the Fair Credit Reporting Act ( FCRA ) regarding " consumer reports '' reads : The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Consideration of consumer information. In conducting any reinvestigation under paragraph with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph with respect to such disputed information. 
Treatment of Inaccurate or Unverifiable Information In general. If, after any reinvestigation under paragraph of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall be promptly deleted that item of information from the file of the consumer, or modify that item of infomation, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the infomation has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

I am so displeased with the way my information was used by XXXX XXXX. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (SC)

I paid my  Kay Jewlelers acco unt on  XXXX / XXXX /   15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the last  3 wee ks I have been receiving calls from  XXXX   XXXX   XXXX . They call and when I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my Kay Jewelers debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?
Consumer complaint received 2016-01-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica (GA)

On XX/XX/2016 fund was taken from my account with Comerica Bank, direct express debit card account for the second time, it is now XX/XX/2016 and I am yet to have my account refunded, Bill are behind, I am a XXXX Veteran who depends on these funds for my livelihood, this bank do n't care about it 's customers.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (OH)

I received a letter on XXXX XXXX, 2017 stating all my accounts will be closed and there was no reason given. When I called the bank they stated to me that they reviewed my account and have decided to no longer do business with me and have acted upon their right to closed my account. The bank was pnc bank.
Consumer complaint received 2022-02-10
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. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2015-07-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

XXXX Purchased a XXXX 2010 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notified Chrystal Capital that I was on a Medical FMLADiscussed with Customer Service and it was agreed to do a defer to end of loan some payments.And i was to receive a Contract to sign and send back immediately but never received. 
Made several calls to Customer Service, since i received no call or mail from them on a update, To be told " Oh it 's denied ", and you ask for a reason and your told they never tell us. 
Then Customer Service, says pay more money and we will do it again. Same thing just on going " Denied '' No reason. 
Now, I have all these fees added and late charges and my Loan shows that I owe more money now then i even borrowed. 
My interest rate was to be per XXXX, XXXX i questioned before i signed @ XXXX, and was told XXXX. 
I called Chrystal Capital, one month ago cause things did not seem right a questioned my interest rate and they said XXXX. 
i never agreed to 21 percent on this SUV. 
they have the hole just getting deeper and deeper and i am seeing NO way out with Company. 
I need your help Please, I XXXX Chrystal Capital and read XXXX Complaints On Consumer Affairs alone. just, like mine and alot on other sites too.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (GA)

I am writing to dispute a late payment entry that appears on my credit report. Upon reviewing my credit report, I noticed a late payment listed, which I believe to be inaccurate.My account with Navy Federal Credit Union was never late. This was clearly a billing error, and double dipping scheme. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requsting an investigation into the presence of this late payment on my credit report. 
Below are the details of the disputed late payment entry : Creditor Name : Navy Federal Credit Union Account Number : XXXX XXXX XXXX XXXX The exclusion clause from the Fair Credit Reporting Act ( FCRA ) regarding " consumer reports '' reads : The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
15 USC 1666 b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided.
Consumer complaint received 2022-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MA)

On Friday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of XXXX XXXX XXXX. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in eligible payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.