davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. Requires notice : Agencies must notify the public of their record systems. Requires consent : Agencies can not disclose an individual 's record without their written consent. Provides access : Individuals can request access to and changes to their records. Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. Also 15 USC 1602 ( P ) Hard inquires
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Service Finance Holdings, LLC (MO)

I had new windows installed by XXXX XXXX in XX/XX/XXXX of XXXX. They did not complete the job as they had made an error and were coming back to fix it. The finance company, XXXX XXXX insisted to pay them even though the job was not complete. The representative from XXXX XXXX said she had to put it through and pay the company even though the job was not complete which i disagreed. She also told me the payment would be due XX/XX/XXXX ( paperwork states XX/XX/XXXX ). I paid off the loan of {$8500.00} on XX/XX/XXXX with assurances from XXXX XXXX that the job would be completed. XXXX XXXX is now trying to charge me additional interest on interest of about {$50.00} saying the interest started when they paid XXXX XXXX on XX/XX/XXXX. I disagree since the job was not complete and that is why I am filing this complaint against them. 
When I signed the work order I noted that the work was not complete, yet the rep from XXXX XXXX demanded that they pay XXXX XXXX. 
This is a finance company scam to milk dollars from unsuspecting clients.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

The bank charged me over {$1500.00} in overdrafts fees and only refunded some. 

This a complaint for discrimination on the basis of National origin and Ethnicity. 

Please refer to the appropriate agency. 


I am writing to make a discrimination complaint complaint against ( TD bank ) regarding an excessive numbers of fees were applied to.my accounts. 

About two months ago, the bank changed their overdraft fee policy. The bank, however, refuded to apply this new policy to my accounts. 


I have spent reasonable efforts to have the bank ( apply the new policy ) and rebate the numerous and excessive fees. 


I would like to have all fees rebated for financial hardship. I can't afford to lose such amount.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IL)

I co-signed a lease for a XXXX XXXX for my son who is XXXX XXXX military. XXXX years later, while my son was driving, the vehicles brakes malfunctioned which caused a total loss to the vehicle. GM financial leasing accepted payment of {$14000.00} as of XX/XX/XXXX and agreed to release lien and title. On XX/XX/XXXX I received a call from GM Financial Leasing attempting to extort monies for the vehicle claiming the mileage was over allowed mileage at XXXX. GM Financial then immediately reported to the credit bureau that I was XXXX days late on payments and I owed them in excess of $ XXXX for the totaled vehicle. This information is incorrect and I sent proof that the actual mileage on the vehicle was XXXX which is well below the allowance. GM has not resolved this issue or made a correction to my credit report. I am requesting that my credit be restored and that GM stop their malicious extortion attempts to collect for a vehicle for which they were already paid.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Please see attached documents Thank you
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NM)

I opened a Wells Fargo checking account that promised a {$300.00} bonus by meeting certain conditions : {$25.00} opening deposit and {$1000.00} in direct deposits within 90 days. There was no code needed if you clicked directly on a link online ; only a code was needed if you did it in person. I absolutely clicked on the link and exceeded the required terms. I have no proof I clicked on the link. I have made numerous calls to Wells Fargo regarding this issue. I received a letter dated XX/XX/23 that account was not opened using required link. This is absolutely false. Again, I have no proof - no code was required. I was on the phone for XXXX minutes and the only resolution was to file a complaint through Wells Fargo. With the customer service I have received so far, I knew this would be a waste of even more of my time. 
Due to the wait times to talk to representatives regarding checking account bonuses, I think they are denying many people their rightful bonus.
Consumer complaint received 2022-09-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

In XXXX of XXXX my husband XXXX XXXX was Hospitalized for XXXX he was off work and on XXXX for a few months and Freedom Mortgage put us in a COVID19 Forbearance and we were put in the Modification program to help bring our house note down. On XX/XX/XXXX we received our letter from Freedom Mortgage stating after careful review and was approved for COVID19 Refund Modification and Principal and Interest was {$930.00} interest rate of 3.250 % and a estimated Escrow of {$350.00} and as long as I didn't appeal within 14 days at which we didn't appeal but I called and asked when 1st payment due I was instructed XX/XX/XXXX in which we paid {$1200.00} but was instructed they made a mistake and was reviewing again but no one had informed me about this I only found out when asking about when to send first payment. I had also been terminated XX/XX/XXXX due to non- vaccination I currently work 2 days a week now. I was informed just to keep making payment until a new review comes to us. I never heard so I called back in XXXX and it still showed nothing but was informed they had turned us into the Credit Report but they sent me a letter saying they contacted Credit report and had corrected it because they had made a mistake sending it. We finally received a second document saying the new amount was {$1300.00} something and I needed to sign paperwork by XX/XX/XXXX I believe was the date but after talking with one of their representatives about change in our taxes that put us in a lower tax on Farm land he told me he would put a note before the Modification reviewers, which was before the deadline, so they could reevaluate since change to lower the taxes of Mortgage, so I waited for new update didn't hear from Freedom Mortgage so I called them just to find out by XXXX that he was sorry to inform me that that wasn't correct so we would have to start over again for a 3rd time. I asked them why aren't they held accountable being I was given wrongful information and this has been nearly a year and they've made nothing but mistakes this hold time that I feel we've been misrepresented by them and my husband as a Veteran hasn't been helped but instead we feel they want to take our property and this is why we feel weve been treated this wav. I know someone who also had Freedom Morteage and thev didn't perform such mistakes with them as they have with us and didn't take but 2 months to complete their packet but it's a year for us because of their neglect and Freedom Mortgage should be held accountable and held to the initial letter we received in XXXX. 
I pray a fair result comes out of this as well as interest rate as we had offered to us in XX/XX/XXXX & payment. Thanks Sincerely XXXX & XXXX XXXX
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (GA)

XXXX has medical information that has been sent to a third party vender FINANCIAL DATA SYSTEM thats has been listed on my credit report since XXXX When I try to dispute it XXXX will drop my credit report almost 60 points instead of trying to fix the problem!
Consumer complaint received 2024-11-21
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. (TX)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get trans union credit reporting to correct it
Consumer complaint received 2022-09-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (LA)

Santander Consumer USA has been using unfair and deceptive acts. 16 CFR 433.2 15USC 1692 I requested a validation of debts on XX/XX/XXXX from Santander and they did not answer any of the questions, the letter Santander sent back was not signed by any assignee or agent. It was also said that the debt is verified. But by whom? Along with a right to repossess. They did not disclose that I had a right to rescind. They did not notify me of my rights. They did not disclose. They have violated my consumer rights. I obtained this to use essentially for my household and family. 
They are also reporting that this vehicle was paid off due to a natural disaster in XXXX. My payments that I have made have not been applied to the vehicle loan. So I disputed it and now they are threatening me with repossession. This is a fraudulent contract. 16CFR433.2
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXXXXXX 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AL)

I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to my credit report.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited 7 checks into my Chase Bank checking acct. for the total of {$7000.00} 2 checks on XXXXXXXX XXXX XXXX Check # XXXX {$2600.00} Check # XXXX {$2400.00} These checks were supposed to be available to me on the XXXX I believe. 
XXXX on XXXX XXXX XXXX Check # XXXX {$340.00} {$100.00} was made available immediately and {$240.00} was available on the XXXX 3 days later. 
XXXX on XXXX XXXXXXXX XXXX  Check # XXXX {$150.00} {$10.00} was available immediately and the {$140.00} was available on the XXXX 3 days later. 
Check # XXXX {$120.00}. 
Check # XXXX {$90.00} Check # XXXX {$1800.00} Check XXXX + XXXX supposed to be Available to use on the XXXX. But when the XXXX came around my account was fully frozen and being told it was going to be closed. 

So obviously Chase bank now has a policy that suspicious or possibly fraudulent checks need to be verified by the person who wrote the checks and the only way that is acceptable by Chase nowadays is to verify verify over the pone that they indeed did write or sign over these checks to the person who is now trying to receive them. Now I have talked with Chase personnel a handful of times now only to be told that their is nothing that can be done because apparently the phone number registered with the business who wrote the checks is no longer in service or has been disconnected therefore no one can verify these payments so my money will now hang in limbo frozen in Chase bank and my account has been closed. I have reached out to the person who signed over these checks and they sent me over all the information they have on the company including a landline which I will include in this report. I have now reached out to a lawyer who specializes in this particular subject and he has advised me to first reach out to Chase and try to reach a settlement with them, I did, thats not working. Now, Im being advised to fill out this report here. Also the most frustrating part of this situation is that half of these checks were cashed by chase bank, apparently only the higher amount checks were held for verification. I have received and cashed out dozens of these checks from the same company and person with no issues and no flags. However I am trying to help and comply and understand chase has policies. I will attach the checks I deposited with checks that were also deposited into the same account and were cashed out already. Along with all the info from the business and a landline phone number where to reach them. If this is not resolved after these complaints. I have retained legal counsel and will be pursuing legal financial action in which I am entitled to sue for 3x the original amounts plus legal fees. I expect my account to be restored and my money to be available asap. Thank you.
Consumer complaint received 2023-05-23
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 (TN)

There was XXXX loan modifications on this loan and so the new maturity date became XX/XX/. However I actually made the skipped payments by paying over every month and then I made double payments XXXX  times. There was an NSF once but quickly fixed because of a bank account change. They are now claiming that even after my final payment I would still owe an additional XXXX dollars. When I actually believe the final payment should have already occurred. I paid the XXXX payment and I have a XXXX payment scheduled even though I don't believe I owe it. The agent told me that after the final payment if the additional XXXX is not paid I will be subject to charge off. I need this corrected and the lien released asap. Thank you.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (GA)

Third party trueaccord & XXXX first emailed a bill through my husbands email saying I owe a charge card bill from 2009 XXXX & saying it was wrote off & can not affect or go on my credit but stupidly I called & Rep. asked my email address & DOB reluctantly I told her since she said she need it for me to file a dispute, What should I now do? A statement come in without where charges was made and my name look freshly printed on statement What should I do now?