davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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: SOUTHWEST FUNDING, LP (TN)

It has come to our attention that during a transaction in which we intended on purchasing our first home our financial information was disclosed to a third party without our consent. Our lender XXXX XXXX and the processor XXXX XXXX with Southwest Financial Funding in XXXX TN emailed our loan applications and other financial documents to XXXX XXXX, a real estate agent who was not our designated representative. We were unaware this had occurred until we were reviewing emails in preparation for a complaint against XXXX XXXX for violation Tennessee Codes Annotated and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during this transaction. 

Based on the attached email and content it is apparent that this is standard operating procedure for XXXX XXXX and XXXX XXXX during transactions so we must assume many others have been affected by this unlawful disclosure. Please note we are not uploading our financial documents for obvious reasons. We are only uploading the email showing them as attachments. We will however, forward this email to a member of your bureau directly should it be requested. 

It is very concerning to us that this type of behavior is apparently what they do in every transactions and subsequently the financial documents of many consumers have presumably been disclosed without their knowledge of approval.
Consumer complaint received 2022-04-26
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (NY)

Dispute letters have been sent to all credit bureaus every 30 days disputing such debt. FedLoan Company has disregarded all dispute letters requesting debt removal from credit bureaus. However FedLoan did not respond to any all the dispute letter. Amount show owed to XXXX XXXX is not correct. All dispute letters have stated information is not correct. requesting all proof of such debt. Yet FedLoan, XXXX, XXXX and XXXX are not removing such debt from my credit report. This has been going on for about 6 months back and forth and nothing has been done. FedLoan basically ignored all dispute letters send notarized. Thank you. I hope this is a better way in resolving this issue with FedLoan Disputed Center. It's been a nightmare to receive any response from them.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland credit management called in XXXX was very rude to me ..asked very personal questions. I got very upset explained why i wss in debt i tried paying it back thru a debt relief co that stole my money. Now im on my own. So i made payment arrangements of XXXX a month Since then they have shut offmy account now 2 times all within 3 months. Because they want XXXX up front paid in full. 
I want the games to stop. I dont have time to play. The bill was on automatic draft out of my account. 
I have proof. This is ridiculous. 
Im not calling because the ladt time they said they received no payment when i had my bank statement in my hand and i told them it was taken out on the XXXX as it was agreed to. 
Well. I guess this is all a game to them but its not to me. 
I have been in financial hardship trying to do the right thing.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NJ)

Dear FTC, On XX/XX/XXXX I received an alert that my checking account was overdrafted. I checked my account and it appeared a payment I did not authorize was charged against my Webster Bank Visa Card for XXXX On XX/XX/XXXX I made several calls to the Visa / Webster bank credit card company and they said nothing could be done since the payment was processing. They said that I signed up for " autopay '' which I did not. I searched my email and could find no record or confirmation that I signed up for autopay. The supervisor could not explain and the fraud department could not explain when I signed up for autopay and affirmed that all of my payments appear to be " webpay '' ( meaning I pay manually ). 

They said to call on XX/XX/XXXX as the payment will have posted. Webster/Visa says it will take 15-17 days to restore my funds and my bank says it can issue a provisional credit in 10 business days. 

By charging {$1700.00} against my account they have triggered an overdraft from my checking account and left me without access to cash. 

I did not sign up for autopay and believe the Webster/Visa bank may have " robo-signed '' me up for autopay of the full balance without my consent. 

I am asking for an emergency intervention to restore my funds to my checking account.
Consumer complaint received 2020-12-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NV)

I took out a loan years ago, and I did not pay it off. I was unaware of this outstanding debt until recently. Today I received an email saying legal action was being taken if it was not paid TODAY XX/XX/2020. I have responded to the email numerous times and called the number listed in the email but can not reach anyone. I did a XXXX search and found that loans through Ace/XXXX  have been subject to fraudulent scams like this, so I did not want to move forward with resolving the issue until I know it is legit.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I submitted a letter to all 3 credit bureaus about removing unauthorized inquiries from my credit profiles. I only received a " verified '' response. I sent a follow up asking who did they verify with. No response. On XX/XX/XXXX I again submitted to have these unauthorized inquiries removed from my credit reports and and yet again they come back as verified. They have done no due diligence in verifying these. I have contacted the companies themselves and they do not have anything with my signature or ID attached.
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I asked the debt collector to send proof that I was the one that incurred the debt. S.S. number, photo ID, fingerprints or camera footage. Something that leaglly places me at the scene.They sent me a one page piece of paper with three itemized bills that in no way prove I was the one who was there at the time of the said incident that debt was incuured from as a result of.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

As any company in the USA you're supposed to receive payments for the services you give and the consumer is supposed to pay it. The thing is that a company like Honda Financial Services will limit you to only making payments through the phone and take away all other possibilities of making a payment like paying online. This is against consumer rights. I should be able to make the payment when and how I want as the consumer with all the options the give. I never heard of a company take away a consumers options to make a payment.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (FL)

The last payment on the account # XXXX is more than 7 years and the account should have been deleted by now, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/2023. '' Please delete this disputed account.
Consumer complaint received 2021-06-24
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. (TX)

I have obtained the letter from XXXX XXXX. Please see attached letter. 
I need the 3 credit bureaus to correct XX/XX/2021 Hard Inquiry to a soft inquiry.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

i have asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them 2 separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NE)

The creditor Ally Auto is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/XXXX I went out of town to XXXX for spring break. Im fairly young and had complications with my trip which cause me to change roommates. I invited 1 person but that person brought 2 other people. I was friends with one person, so I just welcomed my guest. I was banking with Bank of America and I had a checking account. By the end of my trip which was XX/XX/XXXX or XX/XX/XXXX, my banking app, notes, and my XXXX was used in my sleep. I wasnt aware of what happened until my flight back home I wasnt able to get a XXXX not realizing my card was locked. I talked to the bank and there were over {$7000.00} of charges on my card. I told the bank I did not do it and confirmed the last charges I did make. I did not know the man who actually did it I just know a street name, and we come from 2 different states so I wasnt sure how to make a police report or if it would even help. I notified the bank and then I was told the money wasnt even real it was some type of fake money or foreign currency. They took {$3000.00} off of my balance, but said the remaining {$4000.00} is my responsibility to pay. I never used any of the money, it was not even possible on my end since my account was already locked when I tried to get in it. I dont understand how I am still responsible for paying if I already confirmed my last charges as well as the money that was attempted to be transferred through my account was not real. I was sent on several goose chases speaking to different representatives just for them to have me wait 60 days for them to say the same thing. I made Bank of America aware of my living conditions as well as age, yet there was no help. I never even put {$7000.00} in my checking account since I had it because I do not make that much of income.
Consumer complaint received 2023-01-23
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. (NJ)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2020-12-03
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. (MI)

Experian alerted me of two credit inquiries on XXXX and one today on XXXX. One was for XXXX  XXXX XXXX for a credit card application with XXXX  XXXX. They have put a stop to it and will reverse it on my credit. However, the second one was XXXX XXXX  and i got one inquiry yesterday and one this am. I can not talk with anyone there but they provided me an email. I sent an email, but am awaiting a response. 
I am also concerned because earlier this year, someone attempted to collect unemployment under my name and ss #. I am concerned about id theft and how it will affect me in the future and want to do whatever i can to prevent this. They had my ss #, birthdate and phone number.
Consumer complaint received 2020-10-22
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. (CA)

I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Somehow Kohl 's signed me up for electronic statements. I rarely use the card, but did in XXXX. They did not email me the statement notification like they were supposed to. I did get a statement notification this morning, but the bill was already late and I was charged a {$29.00} late fee and {$1.00} in interest. I worry that they do not send the statement notifications and sign customers up for electronic statements to get additional fees and interest. 

Since I do not use the account often I went on chat to close it. After waiting about 15 minutes I spoke to a XXXX XXXX  I verified all my information and had several holds which took additional time. He then said i would have to call to get the account closed. I worry this is just a way to stall so that customers do not close their accounts. I wanted to share my concerns with the cfpb about kohl 's credit cards behavior and response to my request to close.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have sent numerous letters to Portfolio Recovery Associates beginning over 3 years ago until recently. After receiving unsolicited threatening phone calls I have also been asked to be removed from the call list. Since this debt appeared on my credit I have disputed this account, and requested for this debt to be validated. I have requested a copy of a valid contract with my signature from this creditor. This has been a very trying process. I had no knowledge of this account until it appeared on my credit file. I have been fighting this collection agency for several years now to no avail. I was a victim of identity theft in XXXX and XXXX and I do believe this were opportunities for individuals to open credit accounts using my personal information. I have added fraud alerts to all 3 major credit bureau reports as a result of this. Portfolio Recovery Associates have been responsible for harassing phone calls after several requests to be removed from their call list. There are laws that protect consumers such as myself from third party debt collectors using these questionable tactics.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MA)

I have just recently filed a complaint number XXXX. The complaint was closed without the proof or documentation. 
American Express did not post the misapplied payment as they stated or adjusted my interest. 
They need to show the proof on my account with payment dates not their word to resolve the matter so there are no more disputes. 
Can you reopen the case and inform them to take a further look as someone did not do the job and they fraudulently stated it was completed. The payment was not applied according to my PDF statements.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: General Motors Financial Company, Inc. (TX)

I'm very concerned about my background screen I'm going for a big opportunity a better future for me an my children I'm not the same person I was iv senc moved to XXXX and have started a new life iv left XXXX Michigan to better my self nor to be judged on my past imma hard working man iv giving my life to XXXX for the XXXX time I'm being the man the brother the father the son that my family needs and I feel this report isn't given me the opportunity to grow and build the stable career that I need it's not far for a man who given his all to change and helping the youth I help everyone I come across along the way XXXX is good and I intend to continue to encourage and motivate I have XXXX XXXX XXXX XXXX XXXX who needs me all I'm asking for is a chance to be developed into a better leader of many Time brings change and I'm not the same person I was and thanks for the opportunity to speak on my behalf it really means a lot have an a blessed day
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a bankruptcy in XXXX and it was dismissed in XX/XX/XXXX, however in XX/XX/XXXX it was updated to reflect in a current bankruptcy when it should show as dismissed. I contacted the bankruptcy court trustee secretary via phone and was advised that they did not report this information. SO the bankruptcy is accurate but it should show as dismissed. Please update records ASAP as it is affecting my quality of living which includes securing a job and residence.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account Td Bank USA, account number 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 an account without my written instructions.
Consumer complaint received 2021-05-01
Product: Mortgage — Other type of 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

XXXX Applied for a {$20000.00} vehicle loan and between XX/XX/XXXX and XX/XX/XXXX I had to document and explain an negative credit on my credit report. 
XXXX-Reviewed credit report and found that my ex husband had completed and signed a loan modification on an existing mortgage. This loan modification was with a new vendor, new payment amount and new payment terms. I had not been notified or signed or agreed to this contract. 
XXXX I called the vendor and obtained the account number and requested documentation that was signed on the closing of this modification. I was told that there was a signature page with my signature and it had been notarized. I requested those documents because I had not signed any such documents. 
XXXX After 4 phone call attempts and a whole day wasted, I finally received those documents which I will attach to this complaint. After receiving the documents, I noticed that the signature page that was mentioned was not the signature page of the loan modification agreement. It was the signature page from my divorce property distribution order that happened almost 1 year earlier to the date of the modification. 
XXXX-I called the vendor and talked to multiple people trying to make them see that, that was not the appropriate signature page and that my signature never shows up on the contract. Which means I did not agree to that agreement and that they were missing the court order stating that any changes to the original mortgage was be modified to remove my name and be in my ex husbands name alone. The last conversation was ended with a lady going to investigate and call me back. Now 2 weeks later I have received no such call. So I sent a copy of these documents to my lawyer. 
XXXX Community Loan Services or Bayview Amount roughly {$95000.00} where the original mortgage was down to roughly {$84000.00}