davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Best Buy was notified of a charge of {$7200.00} that was not to be on the card. In addition they had had charges from XXXX that should have been placed under contest and now credited as the company has admitted that they have been issued for refund. The credit card shows that have not valid and have t=saye not taken action for over 10 days. I get a call from a number in Florida that doesn't appear to be Citibank. I call back to get this resolved and still no results. The Best Buy Card has not resolved the charge amount provided provisional credit but rather leave the large charge against my credit report. The company has said it would be handled and not show and my credit would be available. Well it is not and it continues to be an open issue. The customer service is the worst as they hang up and do not follow through with their promises. I have spent over 3 hours on the phone and the charges from XXXX remain even though all of the items are returned and should show a refund and the XXXX charge does as well. They now are changing their position to get this resolved stating that this can take up to 45 days! This absolutely ridiculous if it is a charge that is fraudulent as it didn't go through and not mine. I find their business practices to be absurd and
Consumer complaint received 2020-07-10
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. (CA)

Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I SENT XXXX LETTERS TO TRANSUNION, XXXX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent letters to XXXX, Experian and XXXX regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following inquiries are fraudulent and unauthorized Please remove immediately : XXXX ( I called XXXX and tried to put in a dispute but nothing ever happened ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage XXXX XXXX  ( I called to dispute the inquiries the agent on the phone hung up on me and was very rude ) ( Went into the Car dealer and salesman said they would run my credit for XXXX lender but they lied and ran my credit more than once without my consent or permission ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transunion ( I called Transunion and the guy said he put in a dispute but inquiry is still there ) ( I didn't authorize this inquiry or give anyone permissible purpose or reason to run my credit ). 
XXXX XXXX XXXX ).
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I submitted a letter to suppress fraudulent information from credit report along with a FTC report, and proof of identity to these companies. They should have received this request on XX/XX/XXXX because I sent it overnight. According to the FCRA these accounts are suppose to be removed from my credit report within 4 business days of being received due to them being fraudulent. The companies have not sent me any correspondence regarding my request as of yet. I've reached out to XXXX and they told me they did not receive my request. There are still accounts on my report that do not belong to me and my federal protected consumer rights are being violated.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Auto Finance on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The finance charge is suppose to inclose insurance, Capital One Auto Finance made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Capital One Auto Finance did not disclose to me my right to rescind.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WV)

On XX/XX/2021, I made an online application for a mortgage loan with Amerisave Mortgage Company that included payment of a property appraisal fee in the amount of {$660.00} through my MasterCard account. On XX/XX/2021, I received correspondence from Amerisave notifying me that my mortgage loan application was denied. I requested the name and contact information of the individual with Amerisave who has the authority to reimburse me for the unused property appraisal fee in the amount of {$660.00}. I received a voicemail recording and left a message. I spoke by phone with the application agent and was advised that the appraisal fee payment would be returned to my MasterCard account, that reimbursement has not occurred. 

I am requesting the assistance of the CFPB in requesting Amerisave Mortgage to return my {$660.00} deposit. Thank you.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Long story short, my wife 's identity was stolen and we've been dealing with the shrapnel over the last couple months. Took all the normal steps ( locked her credit, changed login info, etc ... ) Fast forward to this morning, I see our CC balance has jumped up to {$2600.00} overnight. We never carry a balance and I know for a fact that it was XXXX the day prior ( I've been logging in and monitoring daily since this happened ). Upon further investigation I see an " ACH payment refund '' that posted last night. I called BOA and spoke to someone in their fraud department and was told that " my wife '' called and explained that she made the last payment in error, and requested the amount of her last payment be refunded to an account @ XXXX XXXX I see where this bank is connected to the cash app. 

The BOA rep had NO answers as to how this was allowed to happen.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity, this was not done by me. Bank accounts were open in my name. I contacted XXXX and they did not remove the fraudulent account.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA.
Consumer complaint received 2021-01-20
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. (OH)

This morning I just submitted my 3rd or 4th dispute with transunion against a XXXX account that all of a sudden just start showing as open on my credit report. This account is closed/charged off. I have let all 3 reporting agencies know this and transunion is the only one to continue reporting this false information on my report. On the report it says that the company derogatory mark is charged off/closed. But transunion is reporting it as open and reporting false payment history, lowering my credit score. This issue needs to be resolved immediately.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and Wells Fargo has destroyed my credit with negative reporting every month during the national pandemic
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (SC)

I have been a with ALLY FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MECHANICS BANK (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, MECHANICS BANK, on XX/XX/2019, XXXX XXXX and on XX/XX/2019, XXXX XXXX XXXX XXXX XXXX ( the report does not include information about this creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I typed letters to each credit card lender indicating I was affected due to a natural disaster ( covid19 ) I was requesting hardship at this time. The letters were submitted back XXXX, XXXX, XX/XX/2020 Due to the Cares Act it did state that Credit card debtors can request hardship at the time. However, I paid the account up as agreed bit now it is showing late payments on all three credit bureau reports.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

My credit report Fico score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to Visa yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to VISA and transferred the balance to the VISA. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed immediately.
Consumer complaint received 2020-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX XXXX I received a call from Capital One auto finance stating that I had an balance of XXXX remaining on my vehicle and that its due by XXXX XXXX. I stated to him that I'm aware of the balance and I have been sending {$25.00} per month what i can afford considering I dont have a source of income anymore. I explained to due to the pandemic I have lost my main source of income and i will not bee able to satisfy that balance on such short notice. The gentlemen went on to threaten me and aggressive tone an stated pay in full or it will be a negative mark against your credit and it would not be reversed.FYI : I no longer have vehicle in my postion possessions. The insurance company has it. Also since the conversation with the gentlemen he has sent me a past due bill of {$1800.00}. according to the information I read that's sent to me by capital one auto all credit reporting has stopped but now they are sending me this invoice im afraid they may try to report negative on my credit report