davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I've been receiving phone calls with the user ID under " PortfolioRecovery '' for a while now. The first time I've got a phone call under this user ID, I answered because I wasn't sure what it was for but I only received an automated voice message so I just hung up. But after that, they've constantly been calling me through different state areas and different numbers. I started blocking the phone numbers that were under the same user ID but it still hasn't stopped " PortfolioRecovery '' trying to contact me. I used to just ignore the phone calls but for today, XX/XX/2021, I first ignored their call but ended up calling back under the number I received to see if I may be able to get a hold of an actual person. I was able to talk to a human on the other line but she was not at all willing to give me any information when I asked her what the calls were about. She was unwilling to provide me any information on this company 's intentions except for the company 's name unless I'd share any information about myself to her. She mentioned something about debt but that was about it and wouldn't tell me anything such as why they were calling me or what this company was about until I provided my first and last name. After I did, she told me that my number might be the incorrect number for the person they have on file. I asked if it's possible to get my number off that list and she told me that I should just answer the next phone call I get from under this company to let the other caller to stop calling me. It's been months where they have kept calling me. I thought it was just a random number and I'm able to just block them from contacting me but this company has been calling me with different numbers from different states and I honestly feel so harassed because it disturbs me during my work times and other times. I've already talked to an associate that apparently works for the company but she just told me to wait until I get another phone call to let the other know to stop reaching out to me. Also I had to call them twice because the first call I had with them, the phone associate wasn't able to give me answers to my questions about why they were constantly calling me and ended up just ending the call. So I had to call them the second time to finally get one information out of them except with the same answer for the rest of my questions. They wouldn't discuss what the company did unless I gave my full name. The person on the other end of the call, I believe were the same person when I called both times, was very vague and wouldn't discuss why the company would keep contacting me and said that the company contacts people for personal business.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are two late delinquencies showing on my Bank of America Credit card in XX/XX/XXXX and XX/XX/2019. This card has been set on auto payments for years. The minimum amount due increased and we were not notified as well as the payment did not auto adjust to the new amount as it should have per BOA. 

Both times we spoke with Bank of America on multiple occasions and they agreed that the error was on their side and not mine. They acknowledged that the payment was still made on time per our auto payment but it was for the incorrect amount and that their system should have adjusted the payment to the correct amount since it increased. I have never had a missed or late payment on this account. 

After speaking with multiple people as well as managers at the company they said this should have been removed from my credit and corrected since the error was on their side. We still haven't been able to remedy this with them.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to demand that you take immediate action regarding the reporting of my account. I have discovered that it has been reported in violation of 15 USC 1681a, which is a clear violation of The Fair Credit Reporting Act. While I don't dispute the validity of this account, I do dispute the way it has been reported. The reporting of this account is a violation of my privacy rights, as it discloses non-public personal transactions between me and the company involved. 

I expect you to rectify this situation at once and take all necessary steps to ensure that my rights are protected. Failure to do so will leave me with no other choice but to pursue legal action against your company. I hope you understand the seriousness of this matter. 

Sincerely, XXXX : XXXX
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

Thursday, XX/XX/2019 I called XXXX Nissan of XXXX about a vehicle I was interested in online. I spoke with a salesman named XXXX. XXXX and I negotiated price over the phone and I made clear my intentions were to make a down payment of {$10000.00} on the vehicle and finance the rest. XXXX had to get approval from his manager but in the end he came back and told me his manager approved the deal. 

Friday, XX/XX/2019 My wife and I drove to Nissan to purchase the vehicle based on the agreed deal. Our salesman, XXXX had stepped away to make copies of our driver licenses and print the paperwork. He was gone for a pretty long time and eventually another associate came over to our desk. This other gentleman begins to explain how he can not allow us to make a down payment on the agreed upon price of the vehicle because, " we wouldn't make enough money on the deal. '' I argued and pushed back because I was told the manager had approved the deal knowing my intent to put money down. In the end, I agreed to purchase the vehicle anyway, because I wanted/needed it. 

We eventually made our way back to the finance manager, XXXX to close our loan. I told XXXX what happened and he shrugged it off like it was no big deal and even said, " Oh yea we have a new sales manager out there who came from a dealership in Florida. He won't let anyone with good credit make a down payment. '' The next week or so ... 
I called Nissan USA Consumer Affairs to make them aware and they created a ticket so that someone could follow up with me. A man named XXXX called me and explained that since the dealership is privately owned they couldn't really do anything about it, but that he would send it to the dealership directly so they could contact me. No one from the dealership ever reached out for resolution.
Consumer complaint received 2021-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Statebridge Company (WI)

On XX/XX/2021, I submitted a payment to Statebridge ( STATEBRIDGE CO ONLINE PMT XXXX ) in the amount of XXXX. I also called and spoke to XXXX and informed him that I was starting to double up my payments. Moreover, the additional payment should be applied to the principal. He assured me that he would create a " task '' for another team to apply the payment to the principal. On XX/XX/2021, the payment appeared on my account on the Statebridge Company 's website. However, it was identified as an unapplied payment. I contacted Statebridge Company again and spoke with XXXX ( not sure on spelling ). She informed me that she confirmed XXXX 's data entry. But she could not provide any time frame that the amount would be correctly applied to the principal. It has been 5 business days since Statebridge Company acknowledged and recorded my additional payment in their system and has still failed to properly apply to the principal. 

Feeling extremely frustrated, I called again and requested a payoff amount. I was informed that I can not request a payoff amount over the phone. I must submit an email. I submitted an email on XX/XX/2021. I received an automating email asking for my account information, payoff date, etc. I responded with all the requested information. I have NOT received my payoff amount as requested. 

I am extremely concerned that when I do submit the final payment, that this company will again fail to properly credit my account. 

In looking for assistance, I looked for support from the XXXX. When researching this company, they have a D+ rating. 

I am confident that there must be many more complaints about Statebridge Company.. With so many complaints, I am not sure why the CFPB has not thoroughly investigated this company.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX, 2023, my XXXX  loans with XXXX were forgiven under the XXXX program. I received notification that the balance on my loans was reduced to {$0.00}. However, these updated balances have yet to be reflected on my credit reports.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX of XXXX I applied for New Jersey unemployment. Got back paperwork from unemployment saying it was approved and that I would be receiving a bank card from Bank of America to receive pandemic relief funds. After about 2-4 weeks never received a bank card so I called BOA and they said that yes I have an account and that they sent me a card and they can see that money is being deposited onto that card but to this day I have never received a bank card or any funds from the pandemic funds. Called BOA and unemployment multiple times trying to get this resolved but would always get the same response... BOA would tell me it's not there fault to call unemployment and Unemployment would say I needed to call Bank of America because its on there end where the problem exists which I kind of believe because unemployment did approve my benefits and I never ever received a bank card from Bank of America!!
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Hello I reached out to Well Fargo over a debt owed to them. I paid the debt and the amount was updated on one bureau but not the others. Today I reached an alert that the account was updated back to the original amount. I called Well Fargo and was spoken too like I was an XXXX. I received a fax from them saying the debt has been settled on the date it was settled but was told it could take up to 60 days to reflect. According to the FRCA they have 30 days from payment.
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: URS Holding, LLC (CA)

XXXX XXXX attempting to handle the debt.. attempting to get out of default Im forced to rehabilitate the loan with this company XXXX  .. for college that irony is in XXXX for miss leading in people I was like to Im attempting to try to dispute that yet XXXX  is tagging on additional fees {$6000.00} worth of fees .. they are not giving me the option to try and rehabilitated and when I sent over my tax return to try and do something Im not getting any return calls back and no one answers the phone
Consumer complaint received 2018-03-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MO)

i received a letter in the mail from this collection agency trying to collect debt that i do not owe. i immediately want them to correct their record and forward this back to the original creditor so they can correct their record due to me not owing them.
Consumer complaint received 2023-01-18
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. (TN)

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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to XXXX, Equifax, and XXXX. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.
Consumer complaint received 2021-09-16
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: CORELOGIC INC (NC)

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Credco XX/XX/XXXX Credco XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-06
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: CURO Intermediate Holdings (TX)

I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX XXXX & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

On XX/XX/22, I reached out to this bank 's escrow department in order to find out the necessary procedures for removing private mortgage insurance ( PMI ) based on the " current value '' of the home ( appraisal ). I did not receive a response from them for months and had to follow-up on XX/XX/22. They finally responded on XX/XX/22 and provided a very vague answer ( " But to answer your question yes if you XXXX falls under 80 % you cancel PMI insurance at anytime if all other requirements made by your investor are met as well. '' ) I've asked them several times to provide their " other requirements '' in order to ensure that my account is eligible for having PMI removed but they have not provided this information and mostly have been ignoring my requests. They also advised that they would send an appraisal consent form, which I am yet to receive as well.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IN)

I just discovered I had an outstanding collection for an XXXX XXXX XXXX account I thought had already been handled. Now after paying the debt in full it is still showing as a collection on my credit report and Im also seeing where Diversified consultants repeatedly removed it from my Bureau and then re opened the following month lowering my score tremendously.. I never received any mail or calls about the debt and would of had no clue had we not been applying for a mortgage
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. XXXX refused to correct it, they told me to contact Portfolio Recovery because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX SXXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal. Per 15 USC 6802, also in conjunction with 16 cfr 313.1, privacy act of 1974 and mainly protected by FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT.
Consumer complaint received 2021-08-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have fraudulent hard inquiries on my credit report. I file a complaint with the FTC contacted the original creditors and credit bureau. According to the FCRA Equifax is violating my rights sent in all documents and they wont remove them
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX - {$490.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX On XX/XX/XXXX I ordered {$500.00} worth of clothes from XXXX. 
It has been 241 days and the package has not come in yet. The order " shipped '' XX/XX/XXXX. However, the package has not come in yet and on the tracking info it says " shipment label created '' and that is all. 

I have contacted my bank, wells fargo, and opened up a claim but it was closed shortly after by them saying it has been 120 days since the point of purchase so I can't issue a refund. 

I have contacted XXXX and they have been incoherent within their responses and now, they have stopped responding.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (OH)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX ; XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal. Per 15 USC 6802, also in conjunction with 16 cfr 313.1, privacy act of 1974 and mainly protected by FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT.