davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TN)

Seeking a Resolution Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to XXXX Attachments XXXX XXXX ( 37 minutes ago ) to compliance Good Day Mr . XXXX, My account wasn't open or updated for me to have a late fee. My account states I owe monies for an account that wasn't open yet. First payment was made on time and was made in order to begin automatic payments. 

My recorded conversation will support my claim. In an ongoing pandemic I am responsible for mailing out and purchasing my grandmothers meds I can not afford a system mistake of a " late fee '' that is not applicable. I am asking for my account to reflect the {$78.00} and cents correctly and not the unlawful amount of $ XXXX. I am here only because customer service has chosen to apply unethical practices and I know I am sure to get better practices from higher management. 

Please let me know what can be done to resolve this issue. 

Thank you. 


Attachments to XXXX, Hello Mr . XXXX, I am seeking yet, another resolution. I am unsure how a paid account is not paid. First Investors has to be better than this. My screenshots are attached. 

There are no false claims to be made ; however, the system is absolutely false in what is owed. Please update your records to show the correct amount. This is an ongoing issue and must end or is this a corporate strategy to keep funds coming in? 

Please stop charging me fees that are not relevant to my account. 

FW : Incorrect Owed Amount XXXX XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to me, compliance Ms XXXX 



It seems you did not receive my response to your first email inquiry. 



To answer your concern, the total due amount on the account is correct because of late fees. The accrued late fees equal {$140.00} plus the payment of {$78.00}, leaves a total due amount of {$220.00}. I have attached a copy of your payment history for your review. Please let me know if you have any further questions. 



Kind Regards, XXXX XXXX Customer Care Team Manager First Investors Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Phone : XXXX Fax : XXXX XXXX XXXX My fear is that even after this complaint they will still find more fees to charge me with. This is messing with my credit for no reason.!.
Consumer complaint received 2018-07-15
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: Experian Information Solutions Inc. (TX)

XXXX XXXX provided validation of debt with inaccuracies. The card acceptance certificate dated on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX was not my current address. From XX/XX/XXXX - XX/XX/XXXX, my home address was XXXX XXXX XXXX, TX XXXX and from XX/XX/XXXX to current my home address is XXXX XXXX XXXX XXXX, TX XXXX. My email address XXXX XXXX has listed for me is XXXX. This is also invalid. 

I will be filling a copy of the acceptance certificate with my police report.
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To Whom It May Concern, THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED in Federal Court. XXXX XXXX   XXXX, XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have ftiled a complaint with the XXXX   and CFPB ( last case # XXXX ). My XXXX   complaint was closed when Portfolio Recovery said they would cease collection efforts, unfortunately that was not the case. I filed a complaint with the CFPB and Portfolio responded and included personal documents of someone else ( I have attached what Portfolio provided, I am sure Mr. XXXX would not be pleased Portfolio provided me with his personal information ). I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX  XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. Furthermore Portfolio is not even licensed to collect in my state. I will continue to document my efforts to get this issue resolved and seek litigation if I need to. 

Portfolio is in violation of the following : XXXX Not validating this debt yet continuing to pursue collection activity. 
* Not validating this debt and continuing to report to the credit bureaus. 
XXXX Pursuing collection on a debt without being licensed to collect in my state. 

I am protected under FDCPA Section 809 ( b ) & demand ( 1 ) all collection efforts cease, ( 2 ) removal of this debt from all 3 credit bureaus, ( 3 ) {$1000.00} fine for each of the above violations ( totaling {$2000.00} ) Please do not merely think you can provide me with bills like you have provided for Mr. XXXX, I am aware of my rights. I am not willing to play back and forth games and will pursue damages to the extent of the law. I have documented all of my efforts & have saved all of Portfolio 's responses, which include someone else 's documents. I expect a resolution within 3 days. I have emailed countless times directly to Portfolio Recovery & have gotten the run around or simply been ignored! Portfolio Recovery 's disregard of my complaint and negligence in providing another person 's documentation is very unsettling & I do not trust my concern is being properly looked into. 

Regards, XXXX XXXX
Consumer complaint received 2018-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

In XX/XX/2015 I received a MasterCard gift card for {$50.00}. Even though I have never used it, I was surprised today to learn that the card 's balance is now shown as XXXX  due to a series of monthly {$2.00} " inactivity fees. '' I believe this is a dishonest practice. My understanding is that such fees are illegal in California, where I reside. Can you please check on this and advise? Thank you. 

Card number : XXXX XXXX XXXX XXXX, valid thru XX/XX/XXXX.
Consumer complaint received 2018-09-19
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 (NV)

Portfolio Recovery is report wrong information on my credit reports. 
The information that is being reported on my credit reports is false. Portfolio Recovery is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. 

Portfolio Recovery are representing themselves as a factoring company. They have been reporting this way on my reports since 2017.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I am making my payment on time and requesting the company to remove the late fee because of COVID hardship. They say they can not remove the late fee because the cut off time for payments is XXXX XXXX EST. I asked them to make an exception because of hardship and because the payment was technically made the day it was due. They informed me they can not remove the fee and that the cutoff time will change to XXXX XXXX   EST in XXXX. They said it is changing due to " Industry Standard, '' but none of my other credit card companies have a cutoff time like this, and I do not believe this is " industry standard. '' I have had problems making my payments on this company 's website and that's why they recently added a feature to allow you to pay without logging in via email. They advised me to log in to make my payment a day early. If the payment is due the XXXX and I pay it on the XXXX why am I being charged this late fee and being told it is an " Industry Standard '' when it clearly is not?
Consumer complaint received 2020-09-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (MI)

I am applying to purchase a single 2 bedroom mobile home and they denied me inspite of never defaulting on any past loans. Then they said I could possibly get approval if I am willing to put 20 percent down payment. Twenty percent of XXXX XXXX is XXXX. I offered XXXX since XXXX is a small loan. The company is 21st Mortgage out of XXXX XXXX, Tx. I could not find an address in XXXX XXXX Texas, so I XXXX the company and found a Tennessee address. The denial letter was from a XXXX XXXX.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

I bought swimming pool motor from a company at XXXX but the motor has stopped after four month and since the motor has one year warranty I talked to the company about it, they said I should talk to the manufacture company XXXX XXXX XXXX XXXX, I talked to the Manufacture about the case and they told me the seller company should contact us all warranties work through the seller companies and I forwarded their email to the seller company and the seller company repeated the same answer " we can't do anything contact with the manufacture '' they said.And then I disputed this amount of purchase which is {$190.00} however Discover card found this charge valid despite i sent them all the needed documentations.
Consumer complaint received 2020-10-21
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2020-10-21
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. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

As dated, XX/XX/2023, I'm aware of Experian XXXX XXXX XXXX XXXX failure of the requirements of the Fair Credit Credit Reporting Act. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Asked Equifax to remove majority of the inquiries on my report due to fraud. I have no knowledge of the companies listed except for 3 of them. Cam back and said they were factual and verified. I asked for verification method and have not received within the 30 day timeframe. I need the inquiries removed as they are hurting my profile and diminishing my character.
Consumer complaint received 2020-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX XXXX XXXX XXXX wired {$53000.00} to Bank of America to pay off a fixed second mortgage loan. As of today, XX/XX/XXXX BofA is still showing the loan unpaid, outstanding and past due. They can not confirm that the money has been recieved. 

I have spent hours on the phone to have them confirm payment and each time they dont know. Average wait time are 1.5 to 2 hours each time. In addition my XXXX XXXX has reached out and they are having no luck. 

I am concerned that {$53000.00} is missing and my credit will be impacted. 

Information on Wire : Date : XX/XX/20 XXXX XXXX Fed Number : XXXX XXXX Loan Number # XXXX XXXX as indicated on payoff letter. 
Bank of America Att : Payoff Department XXXX, TX XXXX Routing ABA : XXXX Account # : XXXX Loan account number on statement prior to XX/XX/XXXX : XXXX XXXX XXXX Loan account number after XX/XX/XXXX : XXXX ( they change the loan number )
Consumer complaint received 2020-09-01
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2022-04-05
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. (WA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX  XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (MD)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-10-21
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. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2018-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I filed bankruptcy and this vehicle was included but the company is still showing the account open on credit report but no balance owed but I got a letter that show I still owe XXXX the account is closed also on my credit report so it should not still be showing open also the company did get the car back as I surrendered it back to the prestige financial
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Volvo Car Financial Services U.S., LLC (VA)

I had a 36 month lease with Volvo Financial for an XXXX. The lease had an option to buy the vehicle at the end of the lease for {$34000.00}. I've been working with the dealer to finalize the paperwork for the purchase and I noticed the amount due was off, it was too high by about {$640.00}. I investigated and found that Volvo Financial failed to credit a payment I made towards the property taxes for the car, so it was adding on the {$640.00} to the back end purchase price. 

I've made numerous calls to Volvo- every day- to get this resolved. Every time I call I get a new agent who tries to help and then they refer it to the accounting department and tell me to wait 3 days for the records to update. I called yesterday and was told that the account was updated. I looked and the amount due for the purchase had not changed ( i.e. it was not reduced by {$640.00} ). I was then told that because my lease had expired on XX/XX/13 I now owe an extra monthly payment because I still have the vehicle. The only reason I still have the vehicle is Volvo has dragged its feet by not updating the purchase price so I can buy the car. I was told the issue would be fixed and someone would call me back. That has not happened.

I need assistance from the CFPB. Volvo has a responsibility to properly allocate payments, update records, and respond to customer inquiries.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CO)

Hello. I was on the phone with my current auto insurance company, XXXX and that we were working on a new quote for my new car I recently purchased. Came to find that my 6 month policy cost was too high for my budget. I asked why and said I had two violations which I was confused about. Said one on XX/XX/2018 and XX/XX/2018 that it was reported as CLUE. I think this is a mistake because my car was stolen on these two dates however I never reported to the insurance with a claim. I never had my car brought in to check/fix. I got my car back after both dates but never had it fixed. It was not a loss. This doesnt make sense to me. I dont need any additional stress/money on myself. IT was not my fault that my car was stolen on these two dates. The car was recovered and was still drivable. 

Please help me out to fix on this situation so I can get my new insurance policy on my car. 

Thank you.
Consumer complaint received 2020-10-21
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: Reliant Capital Solutions, LLC (TX)

The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

i suspected fraudulent inquires on my credit report. i did a though investigation on my credit report and i did not authorize these hard inquires. 

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