davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRCLYSBANKDE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
Consumer complaint received 2018-03-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (OH)

XX/XX/XXXX received a collection letter from Choice Recovery regarding a medical bill with XXXX XXXX. Bill was in correct amount as we have been sending in {$20.00} payments. I contacted XXXX XXXX to find out why on XX/XX/XXXX because they just took a payment from us and our bank on XX/XX/XXXX but it was not documented, as well as other payments made. We have documentation proof showing where these amounts were approved and taken from the account. XXXX from XXXX XXXX in billing tried to say account was sent over to Choice Recovery on XX/XX/XXXX, however did not send us any notification. Choice Recovery ( XXXX XXXX ) is saying that they didn't get the account till XX/XX/XXXX and didn't know why XXXX XXXX would say that. He was extremely rude with me as I told him we had documentation on processed payments. Told me I could dispute it but that was it. Choice Recovery was trying to be very intimidating and didn't care that we had proof to show these payments. This poor documentation is effecting my credit and is unfair collection practices when this account was being paid on.
Consumer complaint received 2021-08-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (PA)

the Retail Installment Contract has several violations of the Truth In Lending Act, all under the determination of the finance charge. Also note, an affidavit of truth was sent dated XX/XX/2021 and the company received it on XX/XX/2021 via XXXX certified mail, however the company has responded with a vague and general response in addition to not rebutting the affidavit of truth with a statement of truth. A sworn statement of fact or affidavit must be rebutted, point by point XXXX XXXX vs. XXXX of Alabama CR-05-1846 ) or it will be determined as truth and judgement to the benefit of the affiant.
Consumer complaint received 2018-10-16
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)

XXXX XXXX charged a late charge. I had no idea anything was late and was not contacted. I contacted XXXX and they agreed to waive but instead marked my account past 30 days for a late fee. I have disputed this several times and it is still there marked past 30 days on XX/XX/2017.
Consumer complaint received 2022-04-07
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: Bread Financial Holdings, Inc. (SC)

This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX This account was paid off in full.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

Got a letter from Credit Collection Services stating I owed hem money for car insurance through XXXX! I contacted XXXX and they stated I have never had car insurance with them and this collection company is trying to collect money under false pretenses! I contacted this company CREDIT COLLECTION SERVICES and they were so ruied and calling me a lier and Im a state Judge with morals!!! I have filed a FTC report and police and NC Insurance commission! Clearly this company is making up false information to collect money!!
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION (TX)

My vehicle was repossessed on XX/XX/2018. The loan was due for XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$300.00} payment. I did not receive a letter of acceleration nor did I receive a notice of intent after the vehicle was repossessed.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (CO)

Advanced Resolution Services is not allowing me my right to have my credit information frozen and insists on trying to force me to jump through hoops to get my report frozen. I have been attempting to get them to freeze my report since the 4th quarter of last year.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CITICARDS CBNA with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part.
Consumer complaint received 2018-03-05
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: EQUIFAX, INC. (IL)

I have contacted Equifax several times to get a XXXX communications debt off of my credit report but it keeps coming back every few months. An account was opened in my name when I was XXXX and without my knowledge. I have supplied frontier and Equifax with my identification to get this resolved. It goes off my report then comes back on.
Consumer complaint received 2022-07-05
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. (MA)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed, XXXX XXXX XXXX {$1600.00} XXXX XXXXXXXX {$2900.00} XXXX  XXXX {$370.00} XXXXXXXX XXXX XXXX  {$1000.00}
Consumer complaint received 2022-04-07
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. (NC)

My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain medical services and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}
Consumer complaint received 2021-10-25
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. (FL)

Fradulent activity occured on my credit report that should not be there. These accounts need to be deleted and taken off my report. I have contacted the creditors and the credit bureas and both are giving me no response.
Consumer complaint received 2019-03-11
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. (NV)

I've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft report.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (WA)

Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OK)

I have student loans through fed loans. They have miscalculated how many payments count towards federal student loan forgiveness and I have waited 18 months for this to be updated and they continue to refuse to update my account to correctly reflect my number of payments. 

All three of my loans should have the same number of payments and payoff date and they continue to not update for over a year despite phone calls and emails.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as ofXX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-08-13
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I had filed a complaint with the CFPB towards PayPal regarding a charge back which took place to my account in the amount of {$17000.00} on XX/XX/2018. The response from XXXX XXXX of PayPal is attached. Part of the letter reads, " On XX/XX/2018, PayPal received notification that the buyers credit card company was continuing their chargeback for {$17000.00} as their card member provided documentation indicating that you promised a full credit for malfunctioning computers and wrong power supply / plugs received. '' That is 100 % false. I 100 % without question did not permit/allow any debit to take place from my account. PayPal did not at all act in good faith because they never questioned me about that. Instead, they simply believed what XXXX had told them and allowed XXXX to pull all of the funds from my account.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was taking advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and is defamation of character. I can't obtain credit and can't apply for a home due to the pandemic crisis. I have been denied several jobs and denied of an XXXX loan. Last but not leasXXXX XXXX XXXX XXXX has been deleted once but was added again to my report.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been attempting to contact your department since May via mail, alerting you to the presence of an inaccurate and misleading entry on my credit report. However, even after obtaining an updated copy of my credit report today, this erroneous item persists. That's why this time I raised this concern via CFPB.
Consumer complaint received 2021-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (GA)

XXXX I began an agreement with XXXX XXXX XXXX 's to install windows and two doors. I was told my payments would be interest-free and start in XX/XX/XXXX. I received an email from MOSAIC on XX/XX/XXXX, stating money would be due XXXX. I called the MOSAIC on XX/XX/XXXX to discuss the terms. The representative on the phone concluded that there had been no money removed from the account and I requested the loan be closed. I was told to try and get in contact with XXXX XXXX XXXX and informed them of this cancellation. And the MOSAIC company would try and do the same. On XX/XX/XXXX, I spoke with XXXX XXXX, representative of XXXX  XXXX  XXXX, who confirmed that there should be no payments or interest until XX/XX/XXXX. I then received an email from MOSAIC on XXXX stating that funds from my account had been dispersed to XXXX XXXX XXXX { This was the first time I had heard XXXX XXXX }. The letter also stated : " You will also receive a final communication from us when the cancellation process has been completed. '' On XXXX I sent a written notice to MOSAIC canceling all ties. On XXXX, I received an email saying they received a payment from me. On XX/XX/XXXX I sent a certified letter demanding all rendered null and void by virtue of the total failure perform. On XX/XX/XXXX I received an email indicating payment was revoked due to Customer authorization being revoked. On XX/XX/XXXX, another email asked for payment. I am claiming due to fraudulent actions of MOSAIC and failure to perform from XXXX XXXX XXXX that all ties be null and void. I request this situation to be resolved with all further contact being written and recorded as I may be forced to take legal action.
Consumer complaint received 2018-03-05
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: SYNCHRONY FINANCIAL (FL)

A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from TJX /Synchrony Bank XXXX I reached out to creditor to advised them I have know knowledge of opening TJX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. Synchrony Bank has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX AM I made one last attempted to resolve issue with Synchrony Bank and I decided to give them a phone at XXXX. I spoke with a representative that advised me that Synchrony Bank had sold account back on XX/XX/2018 to XXXX XXXX. 

Synchrony Bank has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Consumer complaint received 2022-04-28
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. (PA)

I have been trying to resolve this issue with the three major credit reporting agencies since XXXX of XXXX. I had noticed that information was not reporting 100 % accurate when I had reviewed my credit report so I requested for an reinvestigation to be done on this disputed accounts. So XXXX had verified one particular account number while Equifax claimed to verify a different account number which were shorter in digits. XXXX never provided results. When that happened, I went straight to the furnisher and disputed both verified accounts pursuant to my rights to do so under the Fair Credit Reporting Act under section 623. I also requested that the furnisher provide me with the original contract for the verified accounts and they failed to do so. I then gave the furnisher notice of their failure to verify the account and the letter got returned to me though my previous direct dispute letter did not. I attached it to the documents submitted with this complaint. 

When the furnisher failed to verify the disputed accounts, I reported them to the Federal Trade Commission for identity theft. After I got my FTC report notarized I sent a identity theft dispute to all three major credit reporting agencies on XX/XX/XXXX via certified mail. The tracking numbers are as follow : XXXX tracking # : XXXX ; XXXX  tracking # : XXXX ; and Equifax tracking # : XXXX. See attached. Equifax, XXXX and XXXX all received my identity theft dispute letters no later than XX/XX/XXXX. 

According to the FCRA the credit reporting agencies were to block and delete the disputed information within four days of receiving my identity theft dispute letters but according to my most recent credit reports, the disputed account has not been blocked or deleted. XXXX claimed to have verified the account again but that is impossible when the furnisher failed to verify the account when I disputed it directly with the furnisher. XXXX also failed to do the investigation within 30 days. Equifax and XXXX never sent me results for my identity theft dispute. 

This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. The credit reporting agencies also violated 15 U.S.C. 1681c-2 ( a ) which states, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ... '' And Equifax and XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) because my investigation took longer than 30 days to complete and they failed to send me my dispute results.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a XXXX  resident. Credit Reporting Agency TransUnion not immediately removing a paid medical debt. I have filed three disputes and two investigations did not remove the accounts from my report. The third account is currently being re-investigated. The collection company reporting the negative information is XXXX XXXX based in XXXX XXXX. 
The company reported a medical collection that was over three years old after I paid a current collection to their company. I contacted the original creditor which is a medical facility and the notified my account was closed and was removed from collections however XXXX XXXX and TransUnion are still reporting. XXXX  has however clear the collection from my report after they completed a proper investigation.
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

We closed on our new house on XX/XX/2021. The Chase mortgage loan first payment was due XX/XX/XXXX. The principal and interest amount due was approximately {$3700.00}. Chase had previously told me to make 1st payment before re-casting the loan amount with proceeds from the sale of our previous house. 

I made the XX/XX/XXXX payment and then requested a loan re-cast on XX/XX/XXXX. I made an additional principal payment from my Chase checking account of {$400000.00} that was processed by Chase Mortgage on XX/XX/XXXX. 

I was told my new estimated monthly principal and interest payment would be approximately {$2000.00}. 

However, I was told that this new payment would not be effective for my XXXX payment, but begin with my XXXX payment. 

requested that the new payment amount would start with XXXX since my loan principal was reduced on XX/XX/XXXX. I made this request to avoid additional interest payment of {$3700.00} minus {$2000.00} or {$1700.00} in the month of XXXX. 

My request was rejected on Thursday, XX/XX/2021 and I requested dispute resolution. In the process of dispute resolution I was told at XXXX CST that the appropriate manager was not available until today Friday, XX/XX/XXXX, and that I would be called to resolve the dispute. 

I was not contacted today and believe XXXX does not want to treat me fairly. They processed my additional principal payment on the same day I made the transaction, but state that they can not process the loan recast transaction in time to be effective in XXXX XXXX 18 days from today? ) I request help in avoiding an unfair additional interest payment of {$1700.00} in XXXX.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I gave this car back XXXX XXXX. Credit acceptance was suppose to pick up car. They left the car, which they were suppose to pick up to sell them collect what is remaining. The whole 2019 they have not reported or tried to collect. They also never sent me any notification that they did not try to sell the car. The first time I tried to dispute they added late payments to my credit report which show currently nothing is due. They also took me to court and when I let the lawyer know they did not follow protocol they dropped the case.