davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

From my calculations this company is charging me over 30 % interest. Roughly close to 45 % interest which is way higher than nys allows. I was under impression from dealer that it was going to be 16.9 % interest. Plus they made me put a down payment of {$1200.00} and made my payments {$510.00} a month on a 2016 XXXX Car with taxes was sitting at just under {$22000.00}. With interest rates loan went up to just under {$33000.00}
Consumer complaint received 2021-06-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

A few months ago I Filed a dispute with XXXX  and TransUnion pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.
Consumer complaint received 2023-01-31
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. (MS)

I saw on my credit report that a charge from XXXX was showing as a charge off on my account. I did not open this fraudulent account with XXXX. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since XXXX  and I have been going back and forth with XXXX and the credit bureau to get this handled. A police report was filed for this identity theft
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (RI)

I made a purchase with my Synchrony Bank American EagleXXXX credit card, the order was only partially shipped. The payment was due in XXXX, I called the credit card XXXX and they told me to pay only for the portion that I received and that they would file a dispute for me. I received the bill in XXXX with late fees and interest. I called the credit card company and was told that I didnt have to pay as it was found in my favor and that all charges would be reversed. I received another bill in XXXX and called them again and was told the same thing again. I received a text from the credit card stating that I was late. I called again and spoke to a supervisor and was told that they were resolving the issue for me, I asked them to reach out to the credit bureau to let them know I wasnt late so that it wouldnt go against my credit. I received a letter stating that they reported my payment as late 66 days. The letter was dated XX/XX/2023 and I called on XX/XX/2023. I was lied to on XXXX occasions and was reported to the credit bureau as being late.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Mortgage Department Processed a Forbearance Loan with a very high interest rate because I was struggling trying to pay my regular loan payments in 2012. I was trying to save my home, because Wells Fargo was threatening to foreclose on my home. I was unaware the forbearance loan would increase my loan payments as well, that is exactly what happened. Wells Fargo indicated that I could apply for a loan modification at that time, which would lower my loan payments. I applied for the loan modification, with advice of the loan officer. Several weeks passed, I had not heard from Wells Fargo and I was told that, they could not locate my paperwork and I was asked to resubmit all the paperwork again. After months of having the same thing to happen, no paperwork I was denied because they had no paperwork for me. I submitted the same loan documents five time, only to be told they never received them. I never got a loan modification. I lost my home.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK (MS)

Back in XX/XX/2022 I filed an arbitration case against XXXX XXXX. XXXX XXXX refused to respond to the arbitration claiming contract does not designate the XXXX XXXX XXXX as the administering agency, and the XXXX XXXX closed the file. At first ( when Freedom Financial was notified about the arbitration case ), I was having a conversation with XXXX XXXX, Senior Corporate Counsel Legal, who simply stopped responding to my emails. 


Freedom Financial is violating the contractual agreement that states the party seeking arbitration can choose the arbitration company. This is very clear in the language. 

I want to emphasize that not only my contract with Freedom Financial, but the contract terms of every consumer will be into trouble due to this companys breach of contract. 
The purpose of this claim is to ask the CFPB to investigate so this company and it's irresponsibility to respond to arbitrations rightfully filed. 

I want to add that Freedom is in violation of XXXX and FCRA and the Truth in Lending Act. Freedom numerous times misbilled me and claimed to have changed my payment due date but kept on charging me frivolous late payments even though payments were being made on time per the new due date. Freedom also removed all my on-time payments and wiped out my entire payment history. When I was given this loan, I was misled into consolidating my debts, and fees and interest rates were not disclosed to me. I was charged an unconscionably high interest rate in relation to my credit score. 


Please see attachment of arbitration case. 

Thank you.
Consumer complaint received 2023-01-31
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)

All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to 15 USC 1681b, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.
Consumer complaint received 2022-04-08
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. (GA)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2022-11-09
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. (NC)

Sent XXXX XXXX XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX, etc.
Consumer complaint received 2023-01-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have requested on XX/XX/2022 evidence to support why they maintain incorrect information in my report and you have not provided it to me for that reason and as the law says XXXX reporting agencies must correct or eliminate inaccurate information, incomplete or not verifiable. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. For this reason, I request that the accounts described above be deleted based on the FCRA
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX XXXX I have gotten results back from both agencies and both agencies are reporting two different XXXX  removal dates within a 2 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice XXXX XXXX XXXX that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. trasnunion had failed to fix the month and year of the removal datee because the date remains the same. I've never once denied ownership of this account with XXXX and experian, my disputes have always been based on inaccurate reported information. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different XXXX information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX under 623 tracking XXXX and waiting for there response in the mail.
Consumer complaint received 2022-07-17
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. (MI)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type listed as finance/personal last payment account type the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

Madam/sir, I hope this email finds you well. 

I would like to report a case of monetary loss in foreign exchange and remittance services. 
For foreign exchange and remittance services between XXXX XXXX and XXXX, I have transferred a sum of money ( HKD XXXX ) to Western Union 's designated bank account in XXXX XXXX from my XXXX XXXX local bank account on XX/XX/2021. 

The expected service was Western Union would remit the equivalent of HKD XXXX in THB to my designated bank account in XXXX as a form of moving money across borders within my family. 
However, Western Union, till this point, denies the receipt of any funds from me or my account. 

The following files are provided for your kind reference : 1. Communications on email between Western Union and myself, starting from account creation all the way to multiple communications about the transfer that Western Union does not admit in receiving 2. Confirmation from XXXX, my bank, regarding the transfer I have made to Western Union 's bank account 3. The original transfer receipt, as saved from XXXX online banking I ask for my funds to be fully returned to my XXXX XXXX bank account as soon as possible, but Western Union has not responded to my request. 
Please kindly provide assistance in filing this claim and complaint. 
Please let me know if you require any other information or evidence. 

Many thanks. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (MD)

I had an auto loan through Bridgecrest secured by my car, a XXXXXXXX XXXX XXXX  XXXX. 

On XX/XX/XXXX, the car was in a total loss accident. Insurance Claim was processed through XXXX, and Bridgecrests loan was repaid in full. After the loan was repaid, Bridgecrest has failed to provide a full refund for the overpayment they received. 

XXXX shows two payments made to Bridgecrest. One payment on XX/XX/XXXX for {$38000.00} and a second payment of n XX/XX/XXXX for {$20.00}. 

Bridgecrest shows they received a payment of {$38000.00} from XXXX on XX/XX/XXXX, repaying the loan in full ( including interest ). They then show this payment reversed on the same day, and then two separate payments received from XXXX on XX/XX/XXXX for {$38000.00}, and for {$20.00}. Bridgecrest claims to have received {$170.00} less than what XXXX actually paid. 

I have received two paper refund checks from Bridgecrest for the overpayment. One for {$150.00}, and the other for {$750.00}. I deposited both checks, and several days later Bridgecrest sent a stop payment for the {$750.00} check and the deposit was reversed. 

I have followed up with Bridgecrest via phone for an explanation several times only to be told their accounting team is working on it and to call back next week. My account access through their portal was automatically terminated once they received repayment, so I have no access to the account information other than the transaction history they shared over email. The Bridgecrest transaction history does not match XXXX payment records ( neither payment amounts nor dates ), and inaccurately shows my XX/XX/XXXX loan payment of {$750.00} was refunded. Bridgecrest has not been able to confirm the amount I am still owed, or when I can expect to receive funds from them despite several phone calls and weeks of waiting. I do not believe they can be trusted to keep accurate account/payment records, and they do not appear to have any intention of refunding me for the {$770.00} of overpayment they are still holding.
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 30 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TN)

1.I have never had an account with this company NAVY FEDERAL XXXX  UNION XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are NAVY FEDERAL XXXX UNION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CO)

on XX/XX/XXXX, i purchased a " service '' that turned out to be false. the " merchant '' never delivered my order, and upon reaching out i never even got a response back from them. i also started looking for reviews on the " service '' and they had a reputation for not fulfilling their orders and essentially just keeping the money. so i tried to dispute the transaction with cashapp, since i used the card i have with them for the transaction. they provide no claim number but below i have attached my chats with their customer support and the email i received upon sending my dispute on XX/XX/XXXX. They show no interest in wanting to give me an update and aren't too keen on even expediting the dispute process when i have provided sufficient evidence of the merchant essentially running a scam. They give me the same generic response every time i try to follow up and seem to get no where. i just want to be reimbursed for my funds that have been withheld/ missing now for well over a month for a service that is a scam.