davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft N/A Account Number : XXXX This is not mine. 

XXXX. Identity Theft N/A Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXT Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  CARD Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Good morning, I'm filing this dispute against XXXX  and Equifax based on their inaccurate credit reporting - TransUnion is showing my credit score at XXXX Equifax is showing my credit score at XXXX I filed a complaint two weeks ago and they both made minor adjustments, however BOTH bureaus are still reporting my credit card usage as 24 % - in fact, it's closer to 10 % What's more troubling is the fact that they're showing my Age of Credit History at 10 months, which is horribly incorrect. I've maintained an impeccable credit history for 3 years now This needs to be adjusted as again it's impacting all of my ability to obtain a car loan, as well as, my overall good standing. I'm about to engage in government contract work and this may very well prohibit me from doing so
Consumer complaint received 2016-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (IL)

+ Original debt ( roughly {$80.00} ) from XXXX XXXX XXXX XXXX ( XXXX ) was disputed ( double billed - i think so they could bill vision insurance and health insurance separate ). XXXX said they would get back to us but never responded to consumer. 

+ Consumer received multiple calls from debt collector Capital Accounts ( CA ) addressed to a minor in the house ( XXXX old ). Father explained situation and asked for debt validation. Nothing ever received. 

+ one gentlemen from CA mentioned we were " breaking the law '' because of the minor / parent and discussing it without proof. 

+ Consumer paid bill directly to XXXX just to make it easy ( only {$80.00} ) and to resolve matter. 

+ CA continues to call consumer for debt ( it 's been at least 60 days since it was paid ). Latest was today - When I asked for contact details, he said his name was XXXX XXXX and then hung up on me. 

+ phone calls from CA come from a switchboard operator
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Company states i XXXX XXXX XXXX  the co-signer on the original contract @ the time my credit score was very low and i was told i needed a co-signer by XXXX XXXX XXXX, so XXXX XXXX co-signed on the contract!! i was also told that credit acceptance required a down payment as stated in the contract truth and lending disclosure XXXX XXXX XXXX the contract has wet signatures in wrong location without our knowledge which caused hardship on me XXXX XXXX each box has a different amount why is that this contract is fraudulent as i have stated to credit acceptance along with the XXXX  XXXX XXXX was made aware as well according to FCRA 15 usc 1681 reporting inaccurate information without my consent 7 yrs 11 months reported on my credit profile thru XXXX XXXX XXXX sent a letter to XXXX XXXX XXXX stating he was the co-signer on the contract cfpb im asking you to investigate further into this matter
Consumer complaint received 2023-03-30
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
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 2016-04-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America gave me trial modification and said I qualify for this plan but later they changed their decision!!! 

Despite my numerous attempts and requests to Bank of America, they still refuse to clarify why they are not finalizing my third trial loan modification.They also failed to call me back despite many messages that I have left them. 
Their excuses for denying completion of my modification is very unreasonable. They gave me trail modification but refuse to make it permanent!!! 

In their letters dated XXXX XXXX, XXXX and also XXXX XXXX, XXXX, Bank of America confirms they have received the form XXXX from me to obtain the tax records from IRS. They should have no problem obtaining these records, as I have filed all my tax returns for the years in question ( XXXX and XXXX ). I have provided all tax records for all previous years to B of A. 
Bank of America keeps repeating the same unreasonable excuses in order not to finalize my trail modification!!! 
They claim that in XXXX they could not obtain my taxes from IRS. This could be due to many potential factors such as : IRS mistakes, miscommunications, etc. 
Fact of the matter is that I have these returns and they have been provided. I can provide it again if needed. 
It is very unfair that the lender has issued XXXX trail modification which proves I am qualified for this program, but they refuse to issue the final modification. 
Bank of America is giving responses that are full of contradictions and false background information. They claim tax returns were missing then but they have them now! If the tax documents are available to Bank of America, then there is nothing missing now. They need to stop this nonsense of a vicious cycle of mixing a file from XXXX with another file from XXXX. 
They say I qualified for modification in XXXX but because of previous questions of the XXXX file, they are refusing my final modification! 
This is total nonsense and very unfair! They can help me save my home, yet they insist on not helping me! 
Bank of America in its letter says XXXX XXXX is the contact person, but he has not responded to any of my XXXX messages!!!! This behavior of B of A is very unfair and even shameful to treat me and my family in this reasonable manner. Who should I talk to about this matter?
Consumer complaint received 2021-07-16
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: LEXISNEXIS (TN)

I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to dispute my report from XXXX  and it would not let me submit. They have incorrect information on my report that negatively affects my credit history that are over7 years old.

Also, the same issue with TransUnion XXXXXXXX
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I submitted a complaint, escalated this to the Ombudsman Group, and contacted both Nelnet ( my servicer ) and FSA. Last time I called, I was hung up on by FSA. I requested information about the status of my teacher loan forgiveness application. I submitted my application and it was approved by FSA on XX/XX/XXXX. I call Nelnet for a status update and they say to call FSA. I call FSA and they say to call Nelnet. I need my {$17000.00} forgiven because I paid everything up until that number, and now interests keep accruing and I have to keep paying it off. My payments are still due but I feel that my loans should already be forgiven. It's been months and much longer than the date they said they should address it by. They refuse to respond to my complaint and even hang up on me when I try to call. 

Then, I finally received a payment on my account on XX/XX/XXXX for the XXXX amount of {$17000.00}, however it was applied XXXX loans that were already paid off! As a result, my balance on the account is exactly the same. I called Nelnet and they stated that they put the loans on, " refund, '' status, but with how they handled everything so far, I do not imagine that anything will be resolved without third party support from CFPB. I have called twice since then and they have given me different answers each time about what will happen. 

1. They told me once that Nelnet will refund directly back into my account and I will receive retroactive refund for everything since the date of XXXX  for current payments made. 

2. They told me another time that Nelnet will NOT refund directly back into my account and I will get a check when it processes. 

Nelnet is stalling the process, causing confusion with differing answers, and poorly managing this process. They stated that the refund is not with them, but with FSA, but FSA stated it is with Nelnet. Which is it? He said, she said situation.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

I have the credit card from American Express that starts charging a fee of {$95.00} from XXXX. So I downgraded to a no-fee card in XXXX using their online chat service. The agent said they would send me a new card soon and meanwhile I can keep using the old card. However I never received the new card and today I found they charged me of {$95.00}. 

Besides there are other fees I'm not aware of I need the company to give me an explanation.
Consumer complaint received 2017-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion deleted the inquires on my credit report. Later TransUnion added the same inquires back on my credit report without giving written not ice five days prior to them re-adding them. I contacted TransUnion in good faith to ask them to  delete the inquiries that they had illegally readded them. I spoke to  XXXX  ( will not give me a employ ee ID or last name ) on  XX/XX/XXXX  a  ro und   XXXX   and she refused to do anything about it. I explained that I know TransUnion ha d two co mputer glitches, and also that I know my consumer rights. She said nothing can be done.     XXXX / XXXX  -      XX/XX/XXXX     XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/XXXX
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank (FL)

XX/XX/year>, I deposited a check into the ATM mistake because it was supposed to be endorsed by mortgage company also... Instead of the check being returned back to me. I believe the bank fraudulent earned interest on that check because my insurance company who issued the check told me the check was cashed. So the XXXX XXXX XXXX could not re-issue me a check. Synovus Bank who cashed the check BUT told me it was endorsed improperly that I will receive a new check. The new check is not what I accept it is a copy on white paper and I do not want that check. If the funds have not been cashed my insurance company should be able to send me a new check voiding the original. I believe Synovus Bank is being unethical because my original check is showing cashed. Which is denying my insurance company from re-issue a new check. ALSO, BRING MY ACCOUNT BACK TO NORMAL ACTIVE STATUS MY ACCOUNT HAS BEEN PLACED ON REVIEW I HAVE BEEN WRONGLY ACCUSED OF FRAUD THE PROBLEM HAS BEEN CORRECTED BUT MY ACCOUNT IS STILL NOT FIXED.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX Auto XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( XXXX ) 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 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the  investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I ordered a product online but when I received the package was empty so I contacted the merchant first, which told they would open an investigation and follow up with me but they never did. Then I contacted XXXX XXXX and sent them all my evidences, they gave me my money back. Unfortunately my Costco XXXX XXXX credicard was not longer valid, Costco and XXXX XXXX ended their business relationship and all accounts was transfers to City. City without my knowledge return the money to merchant and is charging me the amount. I called City customer service and explained the situation but they totally washed their hands.
Consumer complaint received 2022-02-13
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. (IL)

I recently pulled a copy of my credit report that that your company publishes, and after reviewing it continue to find a number of items that are reported as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Your company discloses to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to this complaint via mail, or email. Please upload all documentation to the CFPB portal. Your company routinely provides a status of verified for disputed accounts without providing any proof of verification. I have been requesting proof of the below accounts for over 2 years. Upon disputing the below accounts, information on the account is either changed by the furnisher without providing any documented proof, or your company simply responds with the account being verified. 1 specific example of such activity is XXXX XXXX XXXX I submitted a complaint to XXXX, and was told by XXXX the dispute was frivolous and would not be investigated, as the XXXX XXXX XXXX had verified the account. I only way that I was able to obtain a fair investigation of the account, was by submitting a complaint to the States Attorney Generals office : Which resulted in the removal of the account from my XXXX credit report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 10 days of receipt of this complaint then you must remove these accounts from my credit report. I have reached out the listed companies and was advised they were not able to provide any contractual information, endorsements, or payment history. However, your company is advertising such information on my report. This behavior is a violation of my federal rights. This will be my last attempt to amicably resolve these issues. Please provide verifying documents of endorsement and contractual obligation, and payment history for the below accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NC)

In XXXX I brought a vehicle from XXXX XXXX in XXXX XXXX, North Carolina. The financing was through Chrysler Financial. Monthly payments were {$570.00}. I had been current on the payments until on or about XXXX XXXX, XXXX. Around this time, I received a phone call from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Collections Department. He described a payment of {$340.00} the car would be paid in full, and I would receive my title from Chrysler. I promptly paid {$100.00} on XXXX XXXX, XXXX and {$240.00} on XXXX XXXX, XXXX. These payments were made over the phone with my debit card. I received receipts from XXXX XXXX for both payments. After these payments, I received nothing from Chrysler or XXXX. I did not get any late payment notices, nor any title. Chrysler called me on XXXX XXXX, XXXX at XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX. In the second call, Chrysler told me they would cure the debt by repossessing the vehicle. As this was the first time hearing about the car in over a year, I was confused. XXXX and XXXX XXXX had told me that the car would have been paid in full. I have spoken to XXXX and have been told that XXXX XXXX is no longer employed there. They also told me that the debt I paid off was for some other consumer debt with XXXX XXXX XXXX. I am not aware of any debt owed to XXXX XXXX XXXX. I have spoken to Chrysler, who told me they did not know anything about XXXX XXXX, XXXX, or XXXX XXXX XXXX. Chrysler has agreed to pay the car off and take title for {$8200.00}. I am not sure if the vehicle is worth that much, and I am concerned that I had previously been told that the vehicle was paid off. I believe that I am a victim of some scam with XXXX or XXXX XXXX XXXX. Further, Chrysler Financial has a debt collection agency hounding me with threatening phone calls throughout the day. They have called me at XXXX, and have told me they have come to my house on several occasions. However, Chrysler has told me they have not sent the repossession notice yet. I am concerned about my previous payments with XXXX, and what Chrysler is doing with repossession.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing concerning inaccurate negative reporting on my credit reports from XXXX XXXX. As of today, XX/XX/XXXX, my XXXX and Experian reports are reflecting that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX XXXX to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX I have email confirmations of my payment schedule and payoff dates from XXXX XXXX to confirm. 

I have attempted to dispute this inaccurate infomation with Experian and XXXX, and I have contacted XXXX XXXX via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports.
Consumer complaint received 2016-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.