davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was in a car accident in a car accident car insurance paid the car off. I have sent the police report and gap insurance payoff and they refuse to remove from credit report ever time I sent documents. They have closed the account on my report and it is affecting the report.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX and Equifax .and explained I was a victim of identity theft and fraud and that the balance of {$4400.00} XXXX XXXX XXXX  ACCUSING ME OF OWING! is not mine someone got a apt in my name its not mine Im legally not responsible I sent police reports and theft affidavits over 100 times literally this company is fraudulently reporting this account to the credit agency ( EQUIFAX ) monthly is calling my place of work seeking money calling my immediate family etc now i have a open lawsuit against this company for violating my consumer rights. I explained to Equifax Fraud dept Im a victim of identity theft sent all proper documentation And they too have NOT removed this fraudulent account from their system i now have a attorney seeking justice for emotional distress and mental abuse these companies need to remove this fraudulent a ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 605 any consumer that identifies fraud and notify the credit agencies shall have the information blocked and removed Equifax failed my consumer rights Im now filing a FEDERAL LAWSUIT!
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (FL)

I bought a Western Union money order from XXXX super market to pay my rent. i went directly from XXXX to my rental office and drop off the money order. Three days after the rental office called me and told me that the money order has a hold on it. I called western union and they had me going around in circles for the entire day until i start crying on the phone before someone decides to help me. The money orders that i bought is a total of XXXX and they accept the one for XXXX and placed a hold on the three for XXXX. My rental office is sending me on eviction and requesting a late payments with other fees meanwhile western union is placing such a inconvenience in my life. They told me i have to wait 30 days for the money to return to me. I have no other means to pay my rental office. i need help as soon as possible.
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

I have a previous complaint regarding advance advance complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status. Im trying to pay this company back but it seems they are only into the business of wanting to restart or resume account to accumulate more fees to be paid to them.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I recently received copies of my most recent credit reports and noticed that there is outdated and incorrect information being reported on my credit file. The purpose of the Credit Bureau is to report factual information pertaining to a consumer. I have asked about the following accounts over and over, but get the same e-Oscar generic response.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Nicholas Financial Inc. (NC)

I financed an use vehicle on XX/XX/XXXX.which turns out to be a lemon. Within the 1st week I had to return to the dealer 4 times because of engines problems. By the 3 week, I explained to the dealer that the vehicle they sold me a lemon and I wanted to return this vehicle or give me another one. The dealer informed me that they can not do trades. I continued to have issues with this car. It finally broke completely down. So I told them to come pick up this car from the mechanic shop ( 6 months later ). During this time I was still making my {$320.00} payment every month till the vehicle broke down. At this time I did speak with Nicholas Financial regarding all the mechanical issues I was having but they informed they could not reverse the loan. 

Now Nicholas Financial is reporting on my credit that I owe {$7900.00} for this lemon. I never received any type deficiency notice from them. Nicholas Financial also reporting payment history for XX/XX/XXXX and XX/XX/XXXX like i still have the vehicle, which is definitely affecting my credit.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was scammed attempting to buy tickets to a concert on XXXX. I was told to transfer the money through Zelle XXXX XXXX $ XXXX and then the seller completely disappeared after I transferred the money. XXXX XXXX and Zelle deny being able to cancel the payment and wont investigate the scam
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

I applied for the XXXX XXXX XXXX based on their offer of no annual fee and 0 % interest for military service members. I was approved for the card and confirmed th details of the offer at time of activation. Last year, I received notice that the offer would no longer be honored and I would be charged the annual fee of {$990.00}. I contacted the company to inquire why it was changing its terms and complain about this unfair practice, but was neither given an explanation nor offered a way to work through the change in terms. In essence, the company is forcing a previously undisclosed payment of almost {$1000.00} or pay-off of the entire balance. 

I am aware that other military personnel who found themselves in this position with the XXXX XXXX XXXX program have filed CFPB complaints and have been granted a fee exemption until end of XXXX XXXX XXXX. I respectfully request the same consideration as a XXXX XXXX on XXXX XXXX.
Consumer complaint received 2022-04-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avid Acceptance, LLC (IL)

I have already placed this company on a cease and desist for repeated call to my job, and they still called after. Now the most recent on going issues is the collection tactics. The threatening of repossession when my account is less than a half payment due and not even 30 days late. Sending me strict compliance letters and Im not even 30 days past due and again we are talking less than a half a payment. Im in constant communication and always pay when stated yet calls and e-mails continue along with the threats of repo. Again for a half a payment that isnt even 30 days late. Its stressful, beyond actually considering I just replaced a XXXX transmission and still made the payment. Ive talked to management and reps and still here today received a pre repossession letter for 1/2 payment past due for XXXX, which by the way has been paid today as stated would be. I am a collections manger and comply with the FDCPA this company does not. 
And lastly a partial payment in Illinois requires you to resend the strict compliance, so that statement in this letter is in fact I believe to be false. Please stop threatening me with repo for less than a half payment thats not 30 days late.
Consumer complaint received 2022-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I applied for a HELOC with 5/3rd bank. I submitted all income and credit documents required and fully qualify. The underwriters then requested I increase my homeowners insurance dwelling coverage to match the first lien as well as the second. When I requested this from my insurance agent, XXXX XXXX, they advised that as per Fl law this was not required as a protection to the homeowner and that the property was insured for full replacement cost as per law. The Underwriter for 5/3rd has denied my loan because the insurance company will not raise the dwelling amount. I fully qualify for this loan based on income and credit, I have full insurance on the property as per Florida law. I can only assume that 5/3 is discriminating against me for an unknown reason.
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 information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted CAPITAL ONE AUTO FINANCE about late payments on my now close auto loan. They reported to the credit bureau that I was late 4 times which was false. I told them I have documents proving my claim but no response what so ever from CAPITAL ONE AUTO FINANCE.
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (FL)

US Bank was the lien holder on my vehicle which was involved in an accident on XX/XX/2021 that resulted in a Total Loss. On the date of the accident, the balance owing was {$17.00} XXXX. I continued to pay my installments to keep my account current while the insurance company was processing the property loss claim. The insurance eventually paid {$14.00} XXXX. On XX/XX/2021 I canceled the mechanical protection plan with XXXX XXXX XXXX XXXX. On XX/XX/2021 XXXX XXXX issued two checks to US Bank for this refund. One check in the amount of {$480.00} & a second check in the amount of $ XXXX.Please see the cashed attached checks. It came to my attention in XXXX that US bank had not applied these checks to my account. Then began my almost daily calling to US bank to trace the checks. Every time I called, there appeared to be no evidence of these checks or my previous calls. I followed up with XXXX XXXX and received copies of the cashed checks. I emailed, snail-mailed and eventually in desperation faxed the copies of these cash checks in a desperate appeal for help. But all I received was a collection note which I immediately responded to and was given the same treatment. I have literally spent hours calling US bank, following up with emails & more phone calls, and last night when I received a notice that my credit report now has a delinquent notice reported I decided to lodge this complaint. Please can you help. This is very unfair and has very serious ramifications on my credit and my life. I have worked very hard to have impeccable credit and this incompetency is completely unfair.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

Hi Macy 's Mgr ; I have never being late! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am actually concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation? 
HOW DID YOU ACTUALLY VERIFIED THESE ACCOUNTS BELOW? 

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as itlegally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove thatyou have in fact conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency Provide the SPECIFIC date reporting that these items will cease Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : Who did you speak to? 
On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party?
Consumer complaint received 2020-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This stuff that TransUnion has on my credit is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans TransUninion is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX   XX/XX/19 & XXXX? XXXX XXXX XX/XX/19, XX/XX/19 & XX/XX/19 I did not apply for a XXXX XXXX or XXXX card
Consumer complaint received 2018-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent a letter to Transunion asking for information about accounts on my credit report Im not familiar with. 
I asked Transunion to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. 
I also asked Transunion If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
My request was completely ignored, and Transunion showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. Check attached Transunion response sent to me on XX/XX/2018 file number XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. 
Show me the contracts and method of verification or delete these accounts immediately. 
Please also remove your fraud alert from my credit file. I did not ask for one. 
Creditor : XXXX Account Number : XXXX Creditor : XXXX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX   XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : 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 status incorrect
Company: Solar Mosaic LLC (CA)

Mosaic has reported to the credit bureau that I was 30 days late in XXXX of 2021 which have resulted in my credit score dropping. We have contacted them so many time with no avail. My wife pays this bill every month that's why when I call I put her on the phone to talk to them. They are still saying we were 30 days late which is not true. Enclosed you will find copies of bank statements with payments paid to them on this account.
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (CO)

Afterpay froze my account and is asking for a bank statement and photo ID sent to them. That's fine, I get it. The problem is that they're demanding this information via email attachment. Their email domain isn't secure. Their back-end code is not secure. I believe it also is sent to overseas customer service centers. There is no information on where this data is stored, how it's stored, who is storing it, who has access, etc. They have no digital privacy statement. Just attach and email. It's unusual and concerning. I'm refusing to do it, but I know most people probably comply. They need to have a statement on what their digital privacy consists of. Thank you.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (MA)

I have had an account with First Progress since XX/XX/XXXX. I noticed incorrect information and billing errors on my Consumer Report from First Progress. 
XX/XX/XXXX, I sent a letter and Truth of Affidavit to First Progress, requesting proof of all 12 late payments they have reported on my consumer report and I requested a credit limit extension .They have removed 8 late payments, then closed my account XX/XX/XXXX after sending a payment the previous month. 

After First Progress closed the account in my name and Consumer Information, I received another bill in the mail for XX/XX/XXXX ( a clear Billing Error ). 
I have mailed First Progress a letter stating that there are multiple Billing Errors on my Account and accounts should not be closed during investigations. 
This violates 15 U.S. Code 1666. 

This has caused hard to my Consumer Report and continues to cause harm.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TN)

On XX/XX/XXXX, I entered into a consumer credit transaction with XXXX. XXXX indirectly sign over my consumer credit transaction over to Santander Consumer USA. On XX/XX/XXXX, I sent a cease and desist notice, Santander Consumer USA has failed to acknowledge. On XX/XX/XXXX, Santander Consumer USA STOLE MY VEHICLE. Santander Consumer USA HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see XXXX and Santander Consumer USA has violated several laws. Please see attach letter for violations. Santander Consumer USA has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. XXXX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy. XXXX failed to disclosed/withheld my right to rescind transaction, and other violations attached
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/XXXX, I contacted XXXX XXXX, Loan Officer, NMLS XXXX, at Flagstar Bank to inquire about refinancing my mortgage. XXXX told me it would take 60 days to refinance my mortgage. I began the refinance process with Flagstar Bank. I paid Flagstar Bank an appraisal fee of {$550.00}, which was charged to my credit card on XX/XX/XXXX. The appraisal we performed on my home on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the refinance process with Flagstar Bank because they were taking to long. When I contacted XXXX to inquire why the delay, he told me the loan processor was out for 2 weeks and caused a delay in processing my refinance. Interest rates were rising and I did not want to delay refinancing my mortgage any longer. I switched to another, more responsive, lender. I began the refinance process again. Since I had already paid for an appraisal, I had requested Flagstar Bank to transfer the appraisal to my new lender, which they did. When it came time to sign my loan documents for the refinance, I noticed on the Borrower ( s ) Closing Statement a charge from Flagstar Bank for {$610.00}. I contacted my Loan Officer and she provided me with an invoice from Flagstar Bank for {$610.00}, that was sent to my escrow company, for the appraisal stating " Paid Status : UNPAID. '' I called Flagstar Bank 's customer service on XX/XX/XXXX and explained the situation to them. When I asked her to provide me with a paid invoice showing I paid for the appraisal and the fee of {$550.00} was charged to my credit card on XX/XX/XXXX, she declined to do so. I told her I am filing a complaint with CFBP, she did not seem to care.
Consumer complaint received 2018-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONGRESS COLLECTION CORP (TX)

On XX/XX/XXXX, XXXX XXXX placed a negative report for a collection account on my XXXX credit report. I have no idea who the original creditor is. I mailed a request for verification of the debt to XXXX XXXX, and they never responded.