davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX I called Chase to set up auto payments beginning in XXXX. The csr said since the payment was due XX/XX/XXXX it wouldn't be enough time to do an auto payment for XXXX. She said I had to pay her on the phone with a check. So I canceled the one time payment for XXXX, set up auto pay to start in XXXX and paid her with a phone check. That payment was processed for XXXX. On XX/XX/XXXX Chsse took a duplicate payment of XXXX. I called Chase on the XXXX and said give the money back. The csr verified it was a duplicate payment and said the XXXX would be in my account in 3 business days on the XXXX. Chase failed to return it on the XXXX. I called on the XXXX and several supervisors said they see I should have gotten it. Had no answers as to whether they would every process the refund. Had no answers asto why they continue to wrongly hold my money. Everything is " we don't know '' anything about anything. We don't know if you'll ever get it. We just don't know anything other than you are entitled to have it back. Whenever the mood strikes us. They said they will not give me the same money they would charge me if I didn't pay them til I felt like it. They said I will never get an extra dime no matter how long they choose to not refund it while THEY make daily interest on it and I can't pay my bills cuz they simply don't perform. Plus the customer service is nightmarish. They also said they have no idea who I should file a complaint with about them. I had to do my own research and call a Federal Reserve to get this info.
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MO)

This company CREDIT COLLECTION SERV which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have filed complaints with XXXX  and XXXX  about my credit report from credit acceptance. XXXX  is reporting-as XXXX XXXX the original balance is {$11000.00} and credit acceptance statement the original balance is {$19000.00}. XXXX  is reporting the balance owed as XXXX XXXX {$7500.00}. XXXX  is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made two payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from XXXX  is {$1200.00} credit acceptance charged me $ XXXX is reporting that my first late payment was XXXX XXXX but credit acceptance reported that it was paid on time.XXXX  is reporting the loan amount {$11000.00} credit acceptance initial balance is {$19000.00} XXXX  is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from credit acceptance.XXXX  is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to credit acceptance {$1400.00}. XXXX  is stating I have over 19 late payments XXXX  states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to credit acceptance on the XX/XX/XXXXof the month then credit acceptance will generate a date and conformation with the XX/XX/XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted credit acceptance from my credit report.I believe credit acceptance reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against credit acceptance that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/2022 there was an inquiry from XXXX XXXX XXXX XXXX whis wasnt authorized by me also on these dates XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 why would i run my credit this many times with this company
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name 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
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

I am a new customer of UWM. I was notified by my insurance agent that my homeowners premium was only partially paid by UWM. My insurance agent and I both attempted to contact UWM multiple times to have this resolved and were unable to make contact with a single person at this company. After a week of XXXX contact, I reached out to my loan officer ( who does not work for UWM ) to request a different method of contacting this company. My contract stipulates that my premium would be paid in full by UWM. I do understand that mistakes happen, however, the inability to even contact a company representative or have an email returned is absolutely unacceptable.
Consumer complaint received 2020-01-25
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (PA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There is a discrepancy in the reporting of a late payment for this account for XXXX of 2020. I contacted Capital one to discuss the inaccuracy but it is still reporting as a negative on my credit report. This inaccurate information is in violation of FCRA and to me as a consumer. There is no proof that I was late. Attached is a screenshot of the account from my credit report which shows the inaccurate information.
Consumer complaint received 2022-04-30
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: Self Financial Inc. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. SELF / LEAD  XXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

I get at least 10 calls a day all types of hours for debt that is not mine. They refuse to stop calling. all at night all on weekend. Its a huge nuisance in my life. 
Calls are from Synchrony Bank These are some of the numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: New Direction, Inc (NY)

I had a credit line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XX/XX/XXXX ). New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX on XX/XX/XXXX and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.
Consumer complaint received 2021-06-28
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 (WI)

On XX/XX/XXXX I received an email alert stating that I had a pending credit application for a credit card through Capital One. I also received notification through my XXXX XXXX  app that I had new inquiry on my credit report from Capital One. 
I contacted Capital One and asked why did they pull my credit report and the confirmed that a credit application was opened in my name. I informed them that I did not apply for a credit card and that my information was being used fraudulently. Capital One cancelled the application and marked it as fraud and stated that they will besending letter to the three reporting credit bureaus to have the inquiries removed. 
On XX/XX/XXXX I did a follow up to check to progress and was informed by Capital One that the letters never went out but I could call the three reporting credit bureaus and dispute inquiries on my own, so I reached out to the three reporting credit bureaus and had success getting the inquiries removed from my XXXX XXXX, and XXXX  report, but XXXX  said I had to provide them with a police report or FTC report. That's how I ended up here.
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 status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting.
Consumer complaint received 2021-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc. (NE)

First Collection Services is aware that this alleged debt is the result of identity theft and still asked me to pay on this debt and still attempted to collect as well as report in my credit report. They have investigated this account and have not correspondent with me anymore. I have recently sent a cease and desist along with a notice stating I am disputing the validity of this debt on XX/XX/2021. XXXX XXXX of First Collection Services responded by stating they will no longer communicate except as allowed by law. But the law doesn't define specific communication just that if a consumer asked a debt collector to cease communication they must cease all communication. I also sent over that I am disputing this debt and that I was requesting an audit trail pursuant to federal rule which I did not receive. Because First Collection Services has ignored my right to dispute the validity of this debt I am asking the CFPB to step in and help enforce the law and my right.
Consumer complaint received 2021-06-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Today, XX/XX/XXXX, was just notified that my automated payments for one of three houses we have loans through with PennyMac had not processed. Woman said they had called and emailed and sent letters, none of which were received. No attempt was made to contact or dispute the issue. Automated payment is made through their website, no contact was made that the amount had changed. I receive 10 spam calls a week on refinancing and new loans, nothing on my actual loan. 

payment was made within the hour. Called to confirm it was pending, will call tomorrow, XX/XX/XXXX to confirm payment went through.
Consumer complaint received 2021-06-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-09
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. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2020-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I filed a complaint on XX/XX/XXXX case number XXXX, XXXX XXXX XXXX, against USAA in reference to a money transfer from XXXX XXXX XXXX XXXX ( XXXX ). USAA responded back to you saying the money was going to be refunded back to XXXX, this was on XX/XX/XXXX. 
Ive attempted to contact USAA ( 16 ) different times and NO one has responded to my calls, Ive spoken to every assistant for the office of the CEO and NO return calls Ive left ( 9 ) messages for XXXX XXXX and XXXX XXXX and have not received one call back. The two listed above are the assigned investigators.

I have requested a written response from USAA on 8 different phone calls and 4 emails and have yet to receive a response I read that USAA was just fined for the same things? 
USAA submitted a response to the CFPB stating the money was to be returned to the XXXX? Was the response just to get CFPB to close the case? 
Does CFPB have and enforcement powers? Or is USAA aloud to get away with sending you a positive response and NOT following through with the customer?
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I began to work on my credit since the beginning of the year, all the other credit bureaus are up to date, they all let me actually have ahold of my information regarding my credit. Except equifax, I tried talking to various and I do mean various different agents and none of them are of help. lol they say is try again in 24 hours. And they ask for so much of my information and still no help at all. Doesnt seem very fair to me that I cant get ahold of my very own information that Im working so hard for. I cant even buy a home because it just says I have no credit available. Theyre systems have been down for years now, I feel like its super important for them to really help us. If other credit bureaus are then so should they. Thank you for your time!
Consumer complaint received 2020-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IN)

I recently had fraud on a bank account, that I have had with this institution for over 6 years. After going into a branch and speaking with a senior banker, about the fraud that occurred I was told that the account will be closed and I did not have anything to worry about. The talk with the banker happened XX/XX/2020 at XXXX and I was given a brand new account number ( called a Virtual Wallet ) and debit card to accompany the account. I walked away as a satisfied consumer until yesterday, XX/XX/2020, when I woke up to my brand new bank account with a XXXX balance and frozen. So I called the customer help line ( XXXX ) at XXXX est, spoke with someone named XXXX XXXX who was only able to tell me that I need to go into a branch. Apparently, the account that had fraud associated with it has not been closed. I was not contacted on my account ( Virtual Wallet ) and funds being frozen and inaccessible, as this is a huge inconvenience for me being the head of household for my child. The bank has not tried to contact me, neither written or verbally, to explain what has happened to my new bank account that I opened. Now, I am without any funds for supporting my child in the meantime ; until I am able to get more information after work. I was misled when I left that branch with my new account and bank number ; PNC is committing legal abuse and has caused severe damage.