davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/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 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX Services # XXXX - XXXX XXXX XXXX, XXXX, DE 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (MA)

On the XXXX of XXXX, I XXXX XXXX, and my husband decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX  XXXX to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. They mailed everything to the wrong address, not to the bank nor to us! We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast. I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork. When we were not able to find another vehicle for less then {$3000.00} over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!? 
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right. Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have our money and then some... they do NOT care to except blame or do anything to make things better. I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website. 
I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Americor Funding, LLC (TX)

I am the Title company and I am working on a reverese refinance. I am trying to get a payoff statement from a debt consolidation company ( Americore ) for my client. They will not give me authorization to request any documents or information on this loan ( even with the borrowers consent ). I have sent several emails to their customer service email and fax number but they are declined. The borrower was able to received an email with an amount but no wiring instructions or relatable information on the loan. When I respond to that email they decline to reply. Finally, Americore 's customer service reps have been very unpleasant to work with. One rep by the name of XXXX, was so intolerant of my clients questions he said " I will no longer explain any of this information to you as I have already explained once. '' My client is XXXX XXXX XXXX and she has difficulty receiving an email or even logging onto the internet. She should be able to request this statement so that she can pay it off and just be done with Americore.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TX)

On are around XXXX I saw a lot of pre-approval on Credit Karma . At first I didn't pay it any attention, but Credit Karma keep sending me all sorts of different Pre-Approval telling me that I was pre-approved for credit card and personal and that I refinance my car. Everyday I would see these offers every time I logged into Credit Karma to check my credit score. After a few month of being told that I was approved, I thought I was now in a perfect place to apply. I got so many offers thru Credit Karma, I started telling my whole family about vacation and investments. We were going to use these pre-appovals for. I finally applied on or around XXXX and got denied for several credit cards and a personal loan.I was very distraught, I was very very angry and I felt deceived.I was marketed for months. Credit Karma telling me I was pre-approved. This was a Lie.I was severely stress out. I was nauseous, I had migraines so bad I became anti-social, my XXXX  went from XXXX. Now every time I see a pre-approval I immediately close my phone and shut my computer off.This has made me so uneasy and XXXX  that I haven't check my credit as frequently as I should.
Consumer complaint received 2022-09-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Account # 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
HJR 192 Remedy the government has obligation to discharge and settle debt we may incur
Consumer complaint received 2022-12-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (AR)

I financed a car through Wells Fargo Auto back in XX/XX/2017. I have paid {$37000.00} per/contract. This loan was written for 72 months. Wells Fargo turned into the XXXX 82 months. I called and spoke to the main office about this and they would not admit it. I called again and spoke to someone else and they said that is how many months I owe on this car. I explained the contract was in the amount of {$37000.00}. The lady said I need to send her documents. I asked her if they did not have a copy of the contract. She stated " not all of it '' I sent copies through " text '' I get a letter in the mail stating that 82 months was correct. I turned this into my " State General Attorney office '' I tried to work with them. The title to my car belongs to me. I paid this contract in full. I feel they are " thieves '' I paid my payments per/contract. They stated I owed another year for late payments. My payments were made every month as agreed. I asked if I could change my due date because of my SS check being due the XXXX Wednesday of every month. The person I spoke to said " that will be no problem '' I can change your due date. When I addressed this with the main office " the gentleman '' said " that was denied. I asked him why I had not been notified. He said " just a miscommunication '' I guess. I told him that was a " mistake only in your favor '' he asked me what else he could do for me. That is how the answer was addressed by the main office.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I NEED ALL 3 CREDIT BUREAU TO REMOVE ALL THESE HARD INQUIRES IVE HAD THAT I DONT HAVE NO KNOWDGED OF ... ..IVE CALLED MUILPLY TIME ABOUT THE INQURIES THAT I DIDNT RECOGNIZED OR GIVE ANYONE PERMISSION TO RUN MY INFORMATION I HAVE NO KNOWLEDGE OF IT, THEY DIDNT DO ANYTHING AND ITS DAMAGING MY CREDIT ... ..BESIDES THE I ENTERED I HAVE A FEW OTHER INQUIRES THAT NEED TO BE REMOVE FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NM)

For many years I have leased a safe deposit box from Chase. I would receive an annual bill and pay it. The bill would have the reminder that if payment wasn't received, Chase had the right to seize the box and its contents. 
I didn't receive a bill in XXXX ( I assumed COVID might be the reason ). In XX/XX/XXXX I moved to another state, but didn't notify Chase until XX/XX/XXXX when I requested that the rental be canceled. I explained that the box was empty since I removed everything after my mother 's death and never got around to bringing anything back before I moved to XXXX in XX/XX/XXXX. I was willing to pay the fee for that year and a penalty for the key. 
I received a letter from Chase in XX/XX/XXXX telling me they had debited my savings account for rental fees for XXXX and XXXX. Since receiving that letter, I have spoken to Chase representatives many times. They insist that policy dictates that I can only end the rental in person. I've explained that the rental agreement stated if a payment was missed, they had a right to hold the box and its contents. 
Chase has now received two years of rental fees ( XXXX & XXXX ) for an empty box that I no longer use or need, and they will continue to do so each year because they claim that their policy was changed in XXXX. 
I moved to a city that doesn't have a Chase presence, my sister, also on the box, went to a Chase in her city and was told nothing could be done. 
In the meantime, I am being threatened that my credit can be harmed, access to some services has been partially restricted and I've been waiting twice as long as usual for a replacement debit card. I was forced to pay {$160.00} for an empty box. I can expect to pay it again next year if something isn't done. I am XXXX years old and they expect me to travel back to XXXX  or get a legal Power of Attorney to end the rental on a safe deposit box when the agreement was pay the fee or lose the box.
Consumer complaint received 2024-09-16
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-29
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-29
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2
: It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with an

tedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 )
A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-29
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. (PA)

My name is XXXX XXXX and i understand that by ferderal law i am a protected consumer who's Rights are being violated. Ive sent so many letters from XX/XX/2022 til date, All certified mail ( Attached ) trying to understand why these companies are reporting information about me without my consent. My Privacy hasn't only been imfringed but these companies have violated a number of ferderal laws. I have explained to these Agencies that under federal law without my consent this is Identity theft under 15 USC 1681 ( Q ) ( 3 ) .Due to these Unfair practices of these companies my consumer report is no longer Equitable to me because none of these companies followed the reasonable procedures put forth by federal law under 15 USC 1681 ( B ). Which has impaired me from extending credit because my rights of consent and privacy were taken advantage of. 
Congress made it clear as day in 15 USC 1681a ( D ) ( 2 ) ( A ) ( i ) that consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report but yet they furnish this negative inaccurate information without my written consent. I demand all accounts in distupe to be removed from my consumer report or negivate item removed from payment history other wise i have no choice but to file litigation for actual damages caused and XXXX, Equifax, and XXXX, and/or XXXX XXXX will be held criminally liable for.Not to mention your willful noncompliance under 15 USC1681n ( a ) ( 1 ) ( A ) after being put on notice.UPon the receipt of the documents and of this notice, you are hereby notified Pursuant UCC XXXX Your prompt attention and response are both required.
Consumer complaint received 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

Currently in repayment agreement with Weltman , Weinberg & Reis Co., LPA XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, MI XXXX. Agreement for Weltman, Weinberg & Reis collection for XXXX XXXX account, started XX/XX/XXXX, {$100.00} per month. I have paid each month with the exception of 1 or 2 months in XXXX, called to reported unable to pay. I was allowed to skip 1 payment in XXXX, the other time I had to make a {$200.00} payment to make up for beign unable to pay. This summer, my money was difficult to make payment due to increase in gas adn groceries. XXXX XXXX for work and in XXXX I was paying {$330.00} a week for gas due to prices hike and was unable to pay several old debts just to make it. I talked with agent from lawyer firm in XXXX, she was suppose to get back to me to see if they could lower payment for six months. I received a call from agen in XXXX stating they were not able to decrease payment and wanted to know when I would pay. I agreed to pay {$100.00} the end of XXXX and was not able to just yet because of finance and increase in groceries and bills. I called on XX/XX/XXXX, spoke with agent assigned to my account, She informed me that she allowed my to miss one month and this bill will take too long to pay off so options has changed. I was told my option was to pay the remaining balance of {$7000.00}, or the monthly payment will increase to {$300.00} to pay off in 2 years. I told her I would not be able to do that as I have 8 other old debtors, rent, groceries, and food to pay. I was told my account is pending and as of today it is processing to garnishment. I asked how could my account go from pending to garnishment during this call. The agent tried to correct herself by saying I am not familiar with the process, it takes time to garnish, and I need to pay the new amount of {$300.00} to get back on a monthly payment. I again told the agent, I can not pay that and that I was not understanding I am trying to pay {$100.00} today and you will not take my payment. The agent said there is a good faith payment and this may not stop the garnishment. I informed the agent, I will be contacting the lawyer firm from my employer to find out how you can protect youself from debt collectors where you have made payments each month over 2 -1/2 years except for 2 or 3 payments and being threaten for garnishement. I was provided CFPB to complain against this lawyer firm.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

Between XXXX XXXX XXXX, Ive notice multi things in my name that I haven't applied for or ever even heard of addresses with my name attached that Ive NEVER lived at. Even with some inquiries. My husband that I was trying to divorce may have been using my identity before he passed due to XXXX on XXXX XXXX.