davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MD)

On XX/XX/2016, I purchased a vehicle from XXXX XXXX in XXXX, Maryland. At the time, I went to purchase the vehicle I was ordered to sign a stack of papers, included in the papers was a warranty for the vehicle. Although, I found it strange that I was asked to sign documents for a warranty considering the car was brand new. I asked for copies of the documents I signed and was told that I would receive them the following day, when I picked up the vehicle. The following day, I received no paperwork. A few days after that I received a certified letter in the mail from the warranty company stating they were refunding the money for the warranty because the warranty was unnecessary. At that point, I begin asking for paperwork regarding my loan. It was only at a later time did I receive the loan paperwork in which stated the car I purchased was a used car. However, the vehicle was not a used car, it was a brand new car. I was the only Owner and it was fresh off of the lot. 
The monies refunded from the warranty company was put on the back of the loan. Although, it was incorporated in the sales price of the vehicle. The paperwork presented to me was for a new vehicle. When I finally received a copy of the paperwork, the paperwork eluded to the car being a used car. The car was not used. The loan is fraudulent. In addition, to that the bank has been utilizing ill business practices. I have tried to contact my lawyers but they have refused to take my case based upon certain factors.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Shellpoint Partners, LLC (FL)

I am having difficulties with buying a house and applying for new credit cards. On XX/XX/2019 my bill did not go through account with missed payment. I am kindly requesting SHELLPOINT MORTGAGE SVC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the accuracy of this account on my credit report. I have fully paid off all child support balances yet my TransUnion credit report doesnt reflect that. How are there two different balances on the XXXX XXXX  XXXX XXXX XXXX account? Also, I have never made a late payment but you guys are reporting 21 dates of late payments. Lastly, you guys are reporting that Ive been past due for 120 days which is also incorrect. 

Reason for dispute : XXXX XXXX XXXX XXXX XXXX XXXX is Inaccurate XXXX Balance : {$1500.00} XXXXXXXX XXXX Balance : {$92.00} ( Balance is inaccurate ) All payments are up to date and should reflect a XXXX balance. 

XXXX XXXX XXXX  XXXX XXXX Payment History is inaccurate Transunion is reporting late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( All payments were made on time )
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$320.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NC)

In XXXX of 2020 SLS Mortgage, charged off my second mortgage with no explanation. Resulting in me dropping 38 points on my credit score. Which also shows me now having a charge off in my report as well as my wife 's report. A Charge off is not a good look when you are preparing for future purchases lower interest rates, home improvement loans, car loans. It shows that you are a credit risk. After some research. Sls is notorious for doing scams on consumers. I will not be there latest victim. 
My account shows that I was current. So i don't have anything to attach.
Consumer complaint received 2022-09-26
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. (CT)

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. 
XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX  XXXX Account number XXXX, has violated my rights. 

XXXX  XXXX Account number XXXX has violated my rights. 

XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX Account 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 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 2022-09-26
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. (CT)

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. 
XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX Account number XXXX, has violated my rights. 

XXXX  XXXX Account number XXXX has violated my rights. 

XXXX Account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  Account 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 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 2022-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

XX/XX/2022 I woke up this morning and checked my chime account and it was closed no emails no notice at all i called and they wouldn't even connect me. Now chime has my direct deposit from ssi am XXXX i have been chime member for over 8 years there's no reason to do this to me. 
Now am looking at Eviction and everything here shut off
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This happened in XX/XX/XXXX -XXXX XXXXI was told by Capital One that I had to call everyone, and each month I did until I got tired of it. WE are not working, how can the economy keep charging us fees and interest rates for credit cards during Covid. It makes no sense. 60 % of the population in the US is not working. These stimulus checks and government assistance is helping a little but not enough to pay my credit debt. Also, with the merge of Capital One and XXXX really affected my credit even worse. Also Capital One on XX/XX/XXXX offered an outrageous offer of an account program for all my accounts for short term of XXXXAPR. And informed me they could not make my payment lower then that, but I should still make the payment but I will continue be charged fees and late fees only for 2 cards because they can not offer me no late fees for all my credit card with Capital One. So, now they can change my APR to lower my payments and fees. I did not bring Covid to the U.S. so why people with low income are getting hit the worse. The state of North Carolina is not absorbing any of our fees from credit card companies. I do not understand when an healthcare pandemic happens we are held liable for bills and credit cards. What more important credit cards or a human live? 
Capital one did not even want to consolidate my debt due to there merge with Walmart. How as an consumer am I protected. I been a XXXX XXXX for years, helping and this is how XXXX XXXX are treated.
Consumer complaint received 2021-02-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (GA)

My complaint is with Specialized Loans Services ( SLS ). I have 15 year fixed rate mortgage that closed on XXXX. My loan payment is {$2600.00}. I have paid my mortgage on time every month since then to date, XX/XX/XXXX. In mid XXXX, SLS created an Escrow account without my knowledge or consent. They then paid my property taxes for City of XXXX and XXXX XXXX  Georgia. Again without my consent or knowledge. I can furnish proof that I repaid SLS for their outlay and I can provide proof of payment for my monthly mortgage amount stipulated in my closing documents. SLS has not applied ANY of my monthly payments since XXXX to my account and now states that I am in default. They have also sent me a bill for XXXX and I have NO IDEA why. And did I mention they sent ME a check for {$7100.00} in XX/XX/XXXX?? I have made numerous calls to rectify the matter but no customer representative can alter or make changes and only are willing to take payment. I have requested 3 " Supervisor Callbacks '' which have not happened. No one can tell me how I am in default and have negative credit reporting as a result. I am at my wits end. I need help. Again, I can provide any necessary documents proving my on-time monthly mortgage payments and my repayment for monies paid on my behalf for property taxes..
Consumer complaint received 2021-02-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

I receive an alert from my XXXX credit report stating that a new collection from National Credit Adjusters had been added to my credit. I called National Credit Adjusters @ XXXX and spoke with XXXX XXXX did not give last name ). I inquired about the collection XXXX stated the original date of the collection in question was XXXX. I asked why was it reporting on my credit as of XX/XX/XXXX which is untrue. XXXX stated that the date that is used is the date that they purchase the account. I'm requesting it to be removed permanently from ALL 3 credit bureaus due to National Credit Adjusters violating the date of expiration by reporting the debt happened in XXXX when the actual date of the debt is XXXX.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (UT)

We have been receiving robo collection calls at our business number everyday at between XXXX XXXX and XXXX XXXX. This has been going on for several months. The recorded messages gives the name of a person and states this is Monarch Recovery and they are trying to collect a debt from the named person and instructs the person answering to press a dial pad number to be connected. We have spoke to people at this collection agency several several times to explain that we do not know this person nor has this person ever been employed by us, yet the calls continue.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I have a home equity line of credit with XXXX XXXX XXXX I was in forbearance when they reported late payments or no payments towards something that was in forbearance. This line of credit is since 2009, they have double recovered that money, but they never stop and instead of helping, they use everything in their power to harm the clients. I talked to them, but they did nothing. This is about a rental property where the tenant does not pay the rent in this time of Pandemic, and I keep paying the taxes and the insurance for that house. I have put the house for sale to get rid of those people who never stop like snakes with their poison. Never in my life will do business with this bank.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (TN)

On XX/XX/year> I received an alert from XXXX XXXX reporting a hard hit to my credit from Barclays Bank Delware. I contacted Barclays customer service and they stated they do not show an application with my name or personal information. I requested Barclays add an alert in their system if anyone tries to apply again with my information. Barclays could not assist me further. XXXX will not dispute the error or remove it from my credit report without a report or a deletion letter from Barclays but they deny having an application.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (NY)

In XXXX of 2021, I made a purchase from XXXXXXXX XXXX XXXX XXXX using my DISCOVER Card. One item from that purchase was a Water Pump for my car. I received the Pump and had it installed. 

During a routine visit to my mechanic in XXXX, he mentioned that my Water Pump was leaking. I was shocked because this was the new item I had installed. It failed after only a few months. On top of that, installing a Water Pump is an EXPENSIVE undertaking. 

I contacted XXXX '' XXXX and explained the issue AND OFFERED TO BUY A NEW WATER PUMP, HAVE IT INSTALLED, AND RETURN THE DEFECTIVE ONE. 

The Agent REFUSED to do that. He insisted that I return the Defective Pump to be repaired and placed back into my vehicle.

There would have been several problems with this.

1 ) I do not want a Damaged and Repaired item put into my car for fear it may fail again 2 ) The car can not run without a water pump. So if my mechanic removed the water pump for me to return to XXXXXXXX XXXX, I could not drive the car home and I could not leave it there. No : I was not going to pay {$120.00} to have my car towed home and then another {$120.00} to have my car towed back to the mechanic when this " repaired '' water pump was sent back. 

3 ) How do I get around with non operational car? 

So, I called DISCOVER, put the purchase in dispute, purchased a water pump from a better Competitor to XXXXXXXX XXXX and had it installed. 

AFTER I purchased the water pump from another distributor AND HAD IT INSTALLED< an agent from XXXXXXXX XXXX contacted me and said she was goign to send me a water pump. I TOLD ER NOT TO. THE JOB WAS ALREADY DONE. She sent it anyway. 

Upon receiving it, I called and told her to send me a mailing label to take it back. I was not going to ship it back at my expense because shipping something this heavy would easily cost me {$30.00} or more WHEN I EXPRESSLY STATED TO NOT SHIP IT!! 

DISCOVER KEEPS DECDING IN XXXXXXXX XXXX FAVOR REGARDING MY DISPUTE BECAUSE XXXXXXXX XXXX SENT ME AWATER PUMP! 

This Water Pump is of NO USE to me. One has already been installed -- at considerable expense. I also told XXXX XXXX to send me a shipping label to send this back, because I was not going to spend {$30.00} of my money to ship it back when I told them not to send it. 

XXXX XXXX sold me a defective Water Pump and refused to take the defective one back for a refund. 

DISCOVER claims I have two Water Pumps from XXXX 'S. I fdo not. I have a defective one which is of no use, and I have the one they sent THAT IS SAID DO OT SEND. 

I want this amount credited to my account. This should not be judged in XXXXXXXX XXXX favor. They have inconvenienced me and caused me to do an expensive job TWICE because of their low-quality merchandise.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (NC)

I got a letter in the mail stating I owed a debt and this company wanted the money because they purchased the debt. I replied asking for account details and also sent a letter asking them to stop calling my personal number as they were calling multiple times per day, every day. I sent all of this registered mail and made someone sign to pick it up. I then got a letter back with account information that was from an old credit card debt, so I know they got the packet I sent, yet they still call daily even after being asked to stop. I have contacted my local XXXX XXXX and gave them a copy of the original letter so that I have legal back up and so they could provide me with the legal steps to follow to prepare to file suit due to this company 's blatant attempt to ignore my cease and desist letter. 

The tracking number for the original letter is as follows : XXXX XXXX XXXX XXXX XXXX XXXX That was mailed on XX/XX/2022 to Credit Control , LLC.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a dispute letter on XX/XX/XXXX and on XX/XX/XXXX requesting that TransUnion & XXXX provide me with the signed document proving the debts where my debts but they have failed to provide this information. They send me letters saying they verified the debt but have yet to provide me with the signed contract to verify the debt and I am requesting that they remove the negative and erroneous accounts on my reports due to not having sufficient evidence in this case of fraud.
Consumer complaint received 2021-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, Equifax, and XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

EQUIFAX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only Inc Via  XXXX XXXX XX/XX/2019 XXXX : XXXX CREDIT/OFF LEASE O XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/XXXX I submitted a dispute via certified mail to XXXX noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.