davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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: Premium Credit Bureau (FL)

I receipt an alert for a new inquiry whit the date XX/XX/2021 and the name premium credit bureau and my credit on XXXX go downXXXX  and I dont recognize this, that was no me
Consumer complaint received 2021-05-19
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. (MO)

Today is XX/XX/2021. I mailed out letters to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate information and Child Support reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, Equifax, XXXX, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.
Consumer complaint received 2018-01-16
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. (FL)

Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, Experian and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IN)

I refinanced my mortgage from RoundpoinXXXX to XXXX, closing XX/XX/XXXX. The payoff check arrived at Roundpoint on XX/XX/XXXX. As part of the refinance, XXXX obtained a payoff quote from Roundpoint. Included in that payoff quote was a line item called " Pro Rata PMI '' in the amount of {$290.00}. This payoff quote was for a payoff received by XX/XX/XXXX. Since it arrived approximately 13 days early, I was told I was receiving a partial credit and only being charged {$270.00}. At a rate of {$4.00} per day that's about 3 days credit. However instead of crediting me the approximately 14 dollars I was charged again, this time directly from the escrow account still with Roundpoint. I have two complaints. 

1. The credit should be 13 days at {$4.00} per day, or about {$63.00}. 

2. The {$290.00} was included in the payoff sent by the bank. Taking any PMI out of the escrow account after is duplicating that payment. 

I have the payoff quote showing the pro rated PMI being included in the payoff. I have the closing documents showing the payoff sent to Roundpoint included the full {$250000.00} for payoff as quoted by Roundpoint. I have screenshots of my online account showing my escrow before and after they took the final PMI payment out, as well as the line item in the account detail showing it was for PMI. I have conversation with a rep from Roundpoint claiming that I was charged correctly. 

I am also anticipating 13 days of per diem interest to be included for the overpayment due to the payoff arriving 13 days early. This overpayment is for loan interest calculated into the payoff quote, but not earned based on the time of payment received. 13 days at {$25.00} ( As stated on the payoff quote ) is {$320.00} in overpayment on interest. 

I should receive a check from Roundpoint with the following : {$2000.00} - Current escrow balance {$63.00} - PMI overpayment based on payoff date {$320.00} - Interest overpayment based on payoff date {$270.00} - PMI duplicate payment taken from escrow despite being paid in payoff Total of {$2600.00} I was told these go out within 20 business days of loan closing. Check should be post marked by XX/XX/XXXX.
Consumer complaint received 2021-02-25
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: Santander Consumer USA Holdings Inc. (TX)

I am filing a complaint because Santander, XXXX XXXX  and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-14
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (NC)

My bank, BB&T, stated that my creditor, XXXX XXXX XXXX XXXX, debited their auto draft twice. Meaning that they drafted the $XXXX  payments two times. And the second one resulted in a insufficient funds draft that cost me $XXXX. BB&T has refunded the $XXXX, but has continued to state that XXXX XXXX  has received their payment. I called XXXX XXXX, for the second time this week, and confirmed that they have not received a payment. I asked BB&T why my online record does not reflect what they are stating and they said I have to go to a local branch to see the draft. I asked them, why? It is my account and if this charge has cleared then it should show that. I was given no answer to the question. This is not the first time I have had this issue with BB&T.XX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX  charge -$XXXXXX/XX/19: Posted Balance: $XXXXXX/XX/19: Refund to XXXX +$XXXX:XX/XX/19: Returned Item Fee: -$XXXXXX/XX/19: Posted Balance: $ XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: Reversal of returned item fee: +$XXXXXX/XX/19:  Posted Balance $XXXXIf XXXX  has received their payment why does their system still reflect our payment as late and why hasn't BB&T deducted their payment from my account?
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (FL)

Back in XXXX, my daughter needed a car for her personal use and asked me to be her CO-SIGNER, based on my financial situation at the time, I agreed, knowing that I could make any payment if needed. 
We went to a BUY HERE PAY HERE car dealership located in XXXX Florida. 
My daughter pick a XXXX XXXX XXXX which was an used car. We did all the paper work and everything was okay. 
Then in XXXX my daughter had an accident, and she hit a XXXX XXXX on the back, her own car the XXXX XXXX that we own few months previous the accident, DID NOT HAD AIR BAGS INSTALLED. 
We took the car back to the dealership and explained the situation to them. They told us they will take the car back and they will sent us a letter saying the car was settled, because it wasn't our fault that the car did not have air bags installed. 
XX/XX/XXXX I started disputing the account on my credit report and asking the dealership to sent me all the information they have about the car including the remaining balance on the account. I haven't received any response, I asked the credit bureaus for VALIDATION.. not answer.. they also keep validating the account without sending me proofs.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX, XXXX 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.
Consumer complaint received 2020-07-14
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. (NJ)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (MA)

In XX/XX/XXXX my husband leased a XXXX XXXX XXXX through XXXX XXXX XXXX which is owned by JPMorgan Chase Bank.  The lease was for 3 years ending in XX/XX/XXXX.  Unfortunately, my husband died in early XX/XX/XXXX.  When I contacted Chase, I was put in touch with the Auto Recovery, Bankruptcy, Special Ops @ Chase which also handles Probate matters. On XX/XX/XXXX, I was told the account was being closed (discharged), but I could continue to make payments or go to the dealer and buy the car.  I continued to make payments, the latest one at the end of XX/XX/XXXX so the account remained current.  I did explore buying the car with the dealer, but the payments would have been twice the current payment.  I was also told by Chase that there were no WRITTEN polices or procedures that could be sent to me as "they didn't exist".  I would have to go by what they were telling me verbally on the phone while I tried to write down what they quickly rattled off legalese style.  I tried to explain that I didn't understand what was being said and, as I wear hearing aids, could they please slow down, but this didn't happen.  I spoke to 9 different people on 6 different days between XX/XX/XXXX and XX/XX/XXXX, getting different conflicting information every time.  I ended up frustrated, confused, scared, and finally angry.  I was told that I really needed to just return the car to the dealer, and as I was not on the lease, I was not liable for the car or any financing issues.  Chase was going to take the car back, inspect it for damage and mileage at their facility, prep it, and sell it at auction.  They would then approach my husband's estate for any shortfall.  They didn't seem to understand (or care) that while I was "not responsible" on the lease, that the money was ultimately coming out of my pocket.  No one could (or would) give me any idea of how much the "shortfall" would be.  They weren't even going to send a letter to the last address on file to let me know that the lease was bing discharged or anytime else until they had the car and I had signed it over to them.  I was given until the end of XX/XX/XXXX to turn the car in as the lease will be discharged at that time and the car will go into repossession mode with another whole set of fees.  I am feeling most uncomfortable about returning the car without knowing the price of my actions.
Consumer complaint received 2022-10-25
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: Consumer Portfolio Services, Inc. (OH)

In Accordance with the fair credit reporting act XXXX account number 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.
Consumer complaint received 2021-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I disputed all of my payments that are erroneously not being counted towards my PSLF progress a year and a half ago. I call every month and Fed Loan refuses to correct the count, claiming a backlog. Now that my loans will be transferred in XXXX, its certain that Fed Loan has no intention to rectify their error. They're now miscounting all of the CARES Act payment moratorium months as well, and delaying my forgiveness date by two years. Please help to correct my timeline before transfer. I've been paying in full and on time since XX/XX/XXXX, so my last payment to satisfy forgiveness should be XX/XX/XXXX. 

I have continuously worked for the federal government and certified my employment for PSLF and PAYE recalculation annually in XXXX.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2020 i received an alert telling me a hard inquiry just hit my report and if it was me or not. It was not me. Called the credit card company about it they had already approved the person for the card they then cancelled the card and marked as fraud.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I filed a report with FTC.gov concerning Identity Theft ( # XXXX XXXX. This is concerning two credit card debts with XXXX Bank. They turned it over to Portfolio Recovery Associates. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-10-01
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: EQUIFAX, INC. (WI)

I Have 5 Inquries On My Account That I Have No idea Where they Came From. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-09-21
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: Total Card, Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2020-11-30
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Nelnet, Inc. (CO)

Tried to refinance my student loan debt and was denied. We have a mortgage showing in our credit that is being paid off and the company will not allow us to prove that it was paid off. Additionally, they will not quote what the rate will be even though they have pulled credit. This is an unfair business practice.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.
Consumer complaint received 2021-09-21
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. (MD)

Notice to all, I am that I am, a citizen of XXXX, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS.
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  XXXX via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX XXXX requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Equifax Attn: CEOXXXX XXXX  XXXXXXXX, GA XXXXXXXX Attn: CEOXXXX XXXXXXXX, NE XXXXXXXXCFPB Attn:CEOI have requested that this infomration be corrected multiple times with no corrections done. Only misreporting. Please see screenshot. This  XXXX car was sold to the dealer in XXXX of XXXX and was paid off in full. There should be no lates for XXXX, XXXX, XXXX, XXXX and XXXX. Please remove the erroneous lates. The monthly payment was not $XXXX per month.XXXX and XXXX has this information correctly noted. Please provide me with the proof you have that says otherwise. Please explain how this could happen.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (TX)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.