davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXBalance {$110.00} XXXX XXXX XXXX-Balance {$1400.00} XXXX-Balance {$9200.00} XXXX-Balance {$790.00} XXXX XXXX XXXXXXXXBalance {$11000.00}
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (CA)

To Whom It May Concern : I noticed in my consumer report there is a collection account XXXX XXXX reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681. 

The collection company that is reporting this fraudulent information is XXXX XXXX. I do not own this account, nor do I have any knowledge of this account. XXXX XXXX is violating my consumer privacy rights. 

Im requesting that XXXX XXXX cease and desist from reporting fraudulent information to all three major reporting credit agencies. 

In addition XXXX XXXX is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. XXXX XXXX is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudulent, and illegally practicing debt collection in the state of California that XXXX XXXX is not licensed or bonded to do so. 

I hereby assert that XXXX XXXX debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation XXXX XXXX to pursue damages and ensure accountability for their actions. 

I am formally requesting that XXXX XXXX promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


Account : XXXX I look forward to your prompt response, Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ZIONS BANCORPORATION (CO)

Vectra Bank failed to notify me of a fee assessed to our account on XX/XX/XXXX. 
The statements provided to us ( on XX/XX/XXXX after I disputed a late payment on my credit report ) were dated XX/XX/XXXX and XX/XX/XXXX but they have no mailing address and no electronic delivery means. I never received these statements. A letter from Vectra dated XX/XX/XXXX was sent to an address we havent lived at since XXXX of XXXX so again I did not receive it ( until XX/XX/XXXX ). I have impeccable credit history and pay my bills, but when a company fails to notify me of a charge how can I be expected to pay it? 

After receiving a voicemail from Vectras collection department my husband ( who is joint on the account ) made numerous attempts to get in touch with our loan officer and collections, but he continually got voicemail recordings. My husband finally was able to get in touch with someone at Vectra on XX/XX/XXXX to give them a bank account number to charge the annual fee. However somewhere along the communication a Vectra employee left out a XXXX in our account number and unfortunately the charge was rejected. 

Vectra did not notify us of the rejected payment ( based on their mistake ) and reported us as 30 days late on our credit reports. We have made every effort to contact them but do not receive return phone calls from their collections department. No consideration is given for their own employees mistakes and the lack of notice given to us regarding this fee.
Consumer complaint received 2022-01-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (IL)

This account was paid in full I see on my credit report it shows as a charge off which is a direct violation of my rights as a consumer per fca I paid the account in full since its mentioned as a charge off on my credit reports ANY PAYMENT INFORMATION surrounding the account should be removed and not available remove any late fees surrounding this account as Ive already taken care of the debt this is a violation of my rights regarding this account I never received any notification for this account only whats placed on my score which is also a direct violation of my rights as I have to be notified REMOVE THE LATE PAYMENTS AND ANY negative TRADELINES SURROUNDING THIS ACCOUNT from my credit REMOVE THE LATE PAYMENTS AND ANY negative TRADELINES SURROUNDING THIS ACCOUNT from my credit Or I will move forward with litigation there are numerous clas action lawsuits against this company for invalid reporting and NO NOTIFICATION SURROUNDING DEBT
Consumer complaint received 2020-06-03
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. (IL)

Since XXXX of 2019 I have been reaching out to the credit bureaus regarding accounts that have been added to my credit report as a result of fraud. I did not create or use these accounts and should not be responsible for paying them.
Consumer complaint received 2018-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (MS)

I ordered products online on 4 separate occasions in a one month period. The first was offered at 9 % interest for a 24 month period. The subsequent 3 loans were 6 month zero interest if paid in full. 
When payments are made, PayPal only allocates payments to the first 2 loans. Since the first two loans are the highest balance, I will never be able to pay off the second 2 loans prior to the 6 month time period. I have paid two months in excess of the minimum due and have asked that these excess amount be applied to the last two loans ; however with repeated attempted all I get is an automated response that is unrelated to my issue.

I believe PayPal should allow me to direct application of any amounts in excess of the minimum due at my discretion. If not, PayPal will have effectively forced me into paying retroactive interest on at least the last two loans, and probably the send zero interest loan because payments will not be applied at my direction. 
As a borrower of this money, I see these as three separate loans to be paid as I desire. If PayPal considers these a single loan with different offers, then monies should be applied equally across all loans ... .but either way, I should be permitted to direct excess payments at my consideration.
Consumer complaint received 2021-11-07
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Date of Birth : 1984
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through US Bank Home Mortgage. 

In XX/XX/XXXX US Bank Home Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. 

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. 

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.
Consumer complaint received 2022-04-29
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. (NV)

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (TX)

I reached out to NATIONWIDE CREDIT & COXXXX to request a contract or a an agreement in regards to the debt that they're trying to collect.. because I have never had a contract nor an agreement with them. They have not contacted me back.
Consumer complaint received 2020-07-24
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. (VA)

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the Equifax breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 )  XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX XXXX {$74.00} 10 ) XXXX XXXXXXXX XXXX 11 ) XXXX XXXX XXXX XXXX {$4300.00} 12 ) XXXX XXXXXXXX XXXX XXXX {$26000.00}
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

I've been a loyal customer with Chase Bank since XXXX. In XXXX I opened a credit card account with them, XXXX XXXX XXXX. I've paid on time every month since then. Except in recent months they've started charging me what seems to be a very high interest rate, fees for a XXXX XXXX and anything else they can think of plus what are now late fees because the fees they are charging have become too high for me to afford. I've called them two times in an attempt to get me on a payment plan to bring the account current and continue to pay off my debt. You know the kind of things a responsible consumer would do. I offered to get a loan from a relative to get caught up and they rejected me. I have had my hours cut at work, resulting in a loss of income. I am a single parent trying to do the right thing here. Chase is unwilling to assist the customers who have kept them in business for many years. I do not think the fees they are charging are even legal or allowed per law. I do not agree that they could charge me a cash transaction fee for a XXXX XXXX paid with my credit card. Complete unfairness!!!! I would ask that your agency review their business practices as I plan to challenge them in any way possible. I've attached the latest credit card statement for your review. I hope you will help me. 

Further, as to my checking account, I called to have my debt card replaced because the magnetic strip was worn out. I never received. After a month, I called to follow up and they said they would send another card out. What they did not tell me is they were going to CLOSE OUT the card in my possession. This is my main checking account. I did not find out my card was useless until I went to purchase groceries and my card was declined, the same day. When I called them to find out the issue that is when they informed me of what they'd done. I was unable to buy food for my child that day and for several days later I had no access to my funds because at the time I was out of state and they do not have branches there. They caused several interruptions to auto-debit payments that were linked to that card causing the payments to bounce or be declined, giving me a bad name. They have caused me tremendous grief, inconvenience and outrage. I demand JUSTICE
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

what mr cooper is saying payment i missed was from XX/XX/XXXX not from XXXX like they have listed which XXXX saying is inaccurate late payments should be listed in XXXX not XXXX when i actually found out about it and made current
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

They called me about an old debt that had been charged off. I do not know who this company is. I asked them to contact me by mail at the address on file, I asked for their fax number to send a cease and desist. She said they had no fax number, but gave me an address only. She did not admit that this was a debt collection, and when she did it was after I had got all my information, did she mention I was being recorded.
Consumer complaint received 2018-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

My mortgage servicing provider ( XXXX ) is supposed to pay my Hazard ( Homeowners ) insurance from an escrow account. My XXXX ( underwritten by XXXX  ) policy was going to lapse on XX/XX/XXXX if payment was not remitted. I followed up with XXXX at the end of XX/XX/XXXX and they indicated they had not received a bill for the insurance renewal. I contacted XXXX and they faxed the renewal bill to XXXX. On XX/XX/XXXX I  paid the insurance policy in full ( {$840.00} ) to prevent a potential lapse. On the same date, XXXX paid {$680.00} to XXXX from my escrow account. 
I have requested a refund from my escrow account for the partial unpaid amount.
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (GA)

I contacted the credit bureaus to ask for them to verify all accounts on my credit file. They stated that all is accurate. Upon further research on my part, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-07
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Sensible Auto Lending, LLC (MD)

On Wednesday XX/XX/XXXX I had went to XXXX  in XXXX MD to inquire about a vehicle that was online and had been sold. This is my first time doing anything with credit so I wanted it to be a great deal on both ends which I had explained to sales man XXXX and he guaranteed I would have a great car to start off with. Come to find out I was sold a lemon because within the first two days I was hearing bad noises, had missing lug nuts and wasnt sold what I was promised. Not to mention I was taken advantage of been as though I was told we where checking the range of cars depending on price and I made it clear I was not there to purchase but look and needed to know what I could afford and ended up finding out through credit karma that a hard inquiry was ran. Then I was told to say false info by sales person XXXX such as to finance company that I had test drove a car I didnt even see. At that point I asked to trade in car by Sat XX/XX/XXXX when the engine light came on but XXXX told me hed be able to do it Monday but the car wouldnt start Monday. Due to key battery or car so I was then told that I didnt have all the necessary insurances GAP when it was time to trade in car which definitely rubbed me the wrong way because when I asked questions I was ensured everything would be ok but not guaranteed like they tried to give me the run around and been as though there was no regard for my life which I expressed. I was then given a refund and told that whether trading in or refunding they would be able to remove hard inquiries which I had no idea about until it was done. I found out that was false after multiple times of trying to notify authorized parties such as insurance etc that they couldnt do anything and that I could possibly have hard inquiries that could possibly affect me short term and long term because of this bad deal I was trying to avoid since I was able to have credit just to start and build my credit and life. And this could be a major setback or even worse. I have videos and photos of the vehicles issues its a XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

I had fraud on my AmexServe prepaid debit card. I was a victim of some type of skimming device. On XX/XX/21 someone stole {$500.00} in ATM withdrawals from my account. I contacted amex immediately. They canceled my card, which was in my possession at the time of the fraud. I put in a dispute three times and they denied my claim every time. I went to the police. I got a police report. I even reached out to one of the store merchants where the theft took place and they gave me still footage of the person who tried to conceal their identity. Amex still said I authorized the transaction. I was in XXXX XXXX, NY with the card in my possession and the theft took place in XXXX, NY.
Consumer complaint received 2021-01-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Date of hard inquiry should be removed pursuant to attached letter. Letter indicated fraud, please remove inquiry from XX/XX/21 XXXX XXXX
Consumer complaint received 2019-03-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

To my knowledge, I was never late on my GM Financial auto lease with account number XXXX. But I realized that I was reported as being past due multiple times which is not true. I have had this lease since XX/XX/2015 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.
Consumer complaint received 2023-01-18
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: NAVY FEDERAL CREDIT UNION (AL)

Navy Federal stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Navy Federal chooses not to honor their agreement, and a Breach of Contract occurs, I demand all payments returned and the account removed from all credit reports.