davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. I am asking that the credit reporting agencies EXPERIAN, XXXX, and XXXX conduct an investigation into inquiries that I believe to be incorrect on my credit report due to fraudulent activity or a data breach. I have heard of companies pulling peoples credit without permissible purpose. I will list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter or remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( reported twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mobiloans, LLC (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( MOBILOANSLLC ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( MOBILOANSLLC ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2015-09-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: VANDYK MORTGAGE CORPORATION (GA)

1 ) SSN wrong on XXXX documents. When asked about this they said it would be " OK '' because they were preliminary docs and would be changed. However, they were n't until after I received a letter from the IRS requesting additional information. 
2 ) Appraisal submitted w/o review from underwriter with errors such as claiming the townhouse was an detached property. 
3 ) Loan application submitted after new guidelines were introduced even though they had all of my information since XXXX 2015 and had been under contract since XX/XX/XXXX4 ) XXXX loan docs submitted w/ errors ( i.e. closing costs, HOA fees ) 5 ) Never addressed any of my questions regarding the numbers..ever. Only skirted around questions but never addressed6 ) Attempted to increase the Appraisal costs at closing7 ) Diminished the errors by calling them minor ( on several occasions ) to me the client instead of acknowledging and apologize their mistakes.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc. (MS)

On XX/XX/XXXX I signed a deal for a XXXX XXXX XXXXXXXX XXXX XXXX with no money down from XXXX XXXX XXXX XXXX XXXX XXXX and AmeriCredit approved the financing for the vehicle.. On XX/XX/XXXX I was called by the dealership to bring it back because they claimed that my check stubs were fake and that the company I said I worked for wasn't real without proof and after signing for my new vehicle it was taking back without proof of the stubs or company being fake. I went into the dealership with proof and the dealership blamed everything on GM Financial. So I wrote the dealership and the GM financial CEO 's and sent Proof that my check stubs are real along with the business being in good standing On that day. It's Wednesday and I haven't received a response. The worse part about the situation is that a Finance Manager was fired because of it. So was I denied because of the General mangers personal relationship with the finance manager? I only asked because I was told that The Rep From GM financial called the General Manager personally and said that my check stubs were not real. Then the General Manager went as far as looking up my companies DOT number and pulled a old out of service order from XXXX and going along with the rep from AmeriCredit. This has effected my credit score in the worse way and my livelihood because I need a vehicle and I can't go anywhere else until I fix my credit score and get those inquiries of of my consumer report. Not to companies reputation is on the line as well. I went out of my way to prove to them and show them I am what I say I am. Those companies don't even have enough respect for consumers to admit when the make a mistake. It hurts because everybody in the world isn't trying to get over. I really just want my approval to go through and go back and get my vehicle from that dealership.
Consumer complaint received 2023-01-18
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. (NC)

I sent a letter on XXXX XXXX, 2022 to Experian. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete the investigation?
Consumer complaint received 2016-03-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

This account originated with Wachovia Bank. At some point Well Fargo purchased the account however in the process the account was inadvertently entered twice. I was not even aware any money was owed until I went to apply for a government job and was denied due to this huge error. I contacted them to get it resolved and was informed there was no way they could put the money on the account because there was no place to credit it. A Senior Vice President then created a letter indicating that they considered the account paid in full. I was also able to confirm there was only XXXX account. Since my credit was still reflecting XXXX account the Branch Manager with whom I bank with sent an inter office email trying to show that there was only XXXX account. I thought this issue was resolved but my credit monitoring company sent me an alert that Wells Fargo again changed the balance from XXXX back to {$170.00}. This is getting very frustrating. I have tried numerous times to get this resolved and I continue to get the run around. I have been fighting this for some time. I have spoken to several different people and even received a letter from a Senior Vice President indicating the account was considered paid in full. I have even had my own branch manager try and get this resolved and still there is XXXX accounts reporting and both show balances. This is causing a huge financial issue and employment issue. I do not know where else to turn. This account is extremely old almost to the statue of limitations and it 's still causing many issues.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (MD)

I have been looking for a house in XXXX XXXX S.C. and I was calling realtors requesting to see properties. All of them told me I needed to be approved by one of there lenders. I already had a lender but they pushed and pushed. The realtor I worked with showed me a copy of the mls listing and it stated specifically that I had to get pre-approved with there lender. Sounds like steering to me. here are some XXXX # 's that I saw that seemed to be inappropriate are # XXXX # XXXX # XXXX # XXXX # XXXX. I felt uncomfortable being pushed by the selling agent to use " there mortgage person ''
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (DE)

I went to Carmax last year in XXXX of XXXX. I purchased a used XXXX XXXX XXXX, and I had issues with the vehicle since a month in having the car. I kept getting the run around on the issues I was having, I also found out codes were cleared from the car leaving me responsible for hidden issues, and the car salesman did not honor my need to not have a car where I am upside down on my loan or any issues that would cost me soon rather than later. It was a dishonest transaction with no heads up that I would be upside down in my loan. I tried to refinance the car, I was told of the negative equity and they demanded that I just get another car and have two payments. I can not afford two vehicles right now. Im upset that in order for me to get upside gown on my loan option they have is to pay more. But they are not applying my payments to the principal.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted CapitalOne and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact Capital One and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (SC)

I am an XXXX XXXXXXXX stationed at XXXX XXXX and I received a 1099C Cancellation of debt for my XXXX XXXX XXXX for the date of XX/XX/XXXX. The amount of debt discharged on the 1099C was {$14000.00}. It is still reporting on my credit reports with a balance of {$25000.00} and this balance continues to increase. We contacted SE Toyota Finance at XXXX on XX/XX/XXXX and spoke with XXXX. She stated he still owes this debt, they will no longer call to collect on the debt.However, it is still owed and they will not change the balance owed on the credit reports.
Consumer complaint received 2024-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (WA)

I transferred {$87000.00} from my XXXX XXXX XXXX XXXX to WISE on XX/XX/year>. I got a notification that they needed a source of income, which resulted from the sale of my home, so they requested the final settlement statement, which I provided. They said that they were reviewing the information, and two days later, they asked for the bank account where the money was residing, which I provided. Then, I waited, and they asked for a personal bank account statement for the last three months, the latest three months statement of earnings from the freelancing platform, the latest personal tax return document submitted to the official authority showing declared income earned, and service agreement contract with my clients signed within the prior 12 months. As I retired this year due to XXXX  issues, I could not provide all of this information, which seemed excessive, so I called them to refund the money. However, the agent had to apologize for every single question I was asked, and he did not know the answers to the refund process. Right now, the WISE transaction is canceled, but despite my better attempts to provide the necessary information to get a refund, the money seems to be in limbo, and I don't have a way to provide additional information for the refund. It strange that given that this transfer came from our wire from credit union, they don't have the details to reverse the wire and send me back my funds.
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WI)

A friend sent me {$4.00} through Venmo to pay me back for lunch. I received a text message from Venmo notifying me of the transfer with a link to sign up for an account so I could retrieve the funds. When I followed the link and tried to sign up with my phone number, I received an error that it needed to be a mobile number. I contacted their support with details about my phone service and the fact I had already received an SMS message from them, and their response was that they only support mobile numbers from cell carriers like XXXX, XXXX, XXXX. 

My phone number is fully capable of receiving SMS and I have used it with other services using SMS for things like XXXX, but it is not tied to a cell/mobile XXXX. I have a number with XXXX ( https : //jmp.chat/ ), which some might see as a VoIP service. I do not think it's appropriate for Venmo to exclude numbers based on arbitrary criteria if those numbers are capable of functioning with their service. I do not have phone service with any other provider but XXXX, and I do not have a phone that can install apps from the XXXX XXXX XXXX or XXXX Play Store. 

Begin personal information : My phone number that I am trying to sign up with is ( XXXX ) XXXX. It was previously with mobile carriers including XXXX and XXXX XXXX, and I have had it for over 15 years porting from provider to provider.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I do not have a contract with Capitol one authorizing any public or private usage of my name. They are violating 15 usc 1666 by reporting alledged late payments on a credit profile without any verification. This is a direct violation of my constitutional rights, and fcra laws to protect consumers.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

A check we wrote was stolen from a gift box at a wedding and was cashed. It was endorsed as make payable to another party, XXXX XXXX. 

Seven other people were affected by the same fraud but all of them had their funds returned to them within four weeks by their banks according to information I have. 

It was check # XXXX for {$300.00} written on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. Due to honeymoon of the bride and groom, the first knowledge of the stolen checks was documented by a police report dated XX/XX/XXXX. This report was provided to my bank when a copy was made available to me from the police department on XX/XX/XXXX. I was notified somewhere between XX/XX/XXXX and XX/XX/XXXX of this fraud, but no longer have the detail of when I contacted Citizens and received information on how to file the fraud claim with them. 

Citizens responded with a letter dated XX/XX/XXXX, that they had received my claim and assigned it claim number : XXXX XXXX XXXX XXXX. 

I have contacted the Citizens Bank fraud department listed on this letter at XXXX at least ten times in the ensuing time for an update. The response is always the same ; " We have sent an email to the bank that cashed the check, XXXX XXXX, and are awaiting a reply. '' I have also reported this as advised by the fraud department agent to ; XXXX but have only received the same response that they are waiting to hear from the other bank. 

Now, in XX/XX/XXXX, it has now been 16 months and there is no promised path by Citizens Bank for resolution. 

If this were a more substantial amount, say for a rent payment, a client could be in serious trouble. 

Thank-you for any assistance.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Received email on XXXX XXXX XXXX that an account was opened at Bank of America in my name. I have tried to speak with them as I do not bank with nor is there one near me. They won't talk to me since I don't have the account number. This account was opened without my say so and I want it closed.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc. (KY)

I advised the debt collectors that I was exercising my right to arbitration and was told the collection would be put on hold and received an email stating. Per the collector the creditor told them I was not proceeding which was not correct. I never received any correspondence stating the collection was taken off hold and found out about the collection when I received an a credit alert