davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.
Consumer complaint received 2022-09-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

I was told by Freedom Mortgage back in XXXX, that I would need to do a Loss Mitigation Packet, if I want to make a change to my Mortgage regarding payments. So, that's what I did. I submitted my Loss Mitigation a total of 3 times. I have the proof of everything requested and sent. Time would go by of over 30 days, I would be told to submit documents. Each time I complied, and wrote to them, that everything being asked I sent. Over and Over, I submitted the same documents. XX/XX/XXXX the sent a letter, saying the needed more documents that I already submitted by XX/XX/XXXX. I did again. I called 6 days latter to see if finally after submitting the same stuff over and over again. I was told by an agent on or about XX/XX/XXXX, my home was Foreclosed on. My Loss Mitigation never got reviewed, I kept getting the run around. I still live in my house. I asked for them to reverse the decision, no reply. I can afford to stay in my house, and keep it. They never reviewed my Loss Mitigation packet. I've tried to work things out Freedom Mortgage, but I can't seem to get a hold of a person. Online messaging for everything Please help me. Michigan is a redemption period is 6 months. I have 3 months left. Please help me with this. I want to keep my house.
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 I temporarily lost my job due to the COVID 19 pandemic. This means that it became legally impossible for me to fulfill my contractual obligations to capital one of continuing to  make my monthly payments. I informed Capital one that I would be out of work because my place of employment closed down. However, I indicated that I could possibly return to work in XXXX. The representative said that Capital One would take my minimum payment to XXXX  in a temporary basis. The representative said that if my situation did not change I could contact capital one again. On XX/XX/2020 I called capital one again and tried to inform an individual whom I believed to be a representative/agent of the company that I would not be returning to work until XXXX but would make every effort to pay all of my balance off as son as I recieved another paycheck in XXXX. The representative was quite rude which I admonished her for. She eventually hung up in my face and did not note the phone call ( her words ). In effect I was unable to verify whether my payments would be deferred or brought down to XXXX. On XX/XX/2020 capital one applied a late fee to my account because I could not make a payment because I was unable to leave the house, go to work and had no money due to the COVID-19 pandemic. I was unaware at the time that the late fee was applied to my account. On XX/XX/2020 after my state opened up and after I was able to return to work and pick up my paycheck, I paid Capital one {$130.00}. I followed this payment with another payment of {$130.00}. I began making these larger payments pay off my entire debt to capital one. I then noticed that I still had a due balance of {$170.00}. When I checked my statement I realized that capital one had been assessing late fees to my account even though the company had been made aware of my financial situation and the fact that my ability to pay at the time the fees were applied was impossible. As an aside Impossibility is a  legally recognized reason for an individual not being able to fulfill their end of a contract. A global pandemic and jobless most certainly counts as impossibility. On XX/XX/203 I called Capital one and asked them to either waive or remove the {$25.00} fees as they were unethical and it was impossible for me to pay at the time they were assessed. The representative refused. I spoke to a manager and the manager refused and said that he was at the top of the customer service hierarchy and there was no one else I could talk to and Capital One would under no circumstance reverse the {$25.00} charge. I told him I would be reaching out to corporate and filing a complaint with the CFPB.
Consumer complaint received 2022-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi, B.O.A. has not resolved the recurring issue of taking mtg money and using it to pay down principal.They have not returned any money to my checking account and as a result I am havin difficulty paying my mtg.Also my mtg payment keeps going up.They keep sending me a package of statements which are not explained to me.

Why am I being ignored by CFPB? Pls dont btell me it is a recurrin issue. It is because you asnd BOA are not correcting it!!!!
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (CA)

Not sure where to start with this company thell tell you one thing on Monday and by Tuesday do something different. 

I have had countless issues with this company from deceptive billing practices, deceptive dales practicies we wanted an auto unit were told the company would do this that was not the case tried to swap or rewrite nothing but the runaroud. They had my info incorrect in system claimed we spoke on days we did not and on days we did speak had no record of. 

They have no website, no app they advised they were correcting XX/XX/XXXX XXXX and XX/XX/XXXX on CRAs Every rep had a different reason why its not done. I said I feel like Im being ripped off do I need to consult a lawyer for help just for you to make an attempt to work with me they blacklisted me customer service wont speak to me they wont take payments via phone or mail and keep shuffling me around. Ive been on the phone for 3 hrs i have the logs for when they try to backpedal there too.
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I sent someone {$900.00} via Western Union on XX/XX/2020 from my XXXX prepaid card.Weeks later I was informed by XXXX that Wester Union reported recipient had not picked up the funds and I was due a refund of XXXX XXXX.I called Western Union for a refund on XXXX XXXX was told I would be sent a check for {$900.00} " within 7 to 14 days ''. Today isXX/XX/2020 and I still have not received my refund.They gave me a case number : XXXX.I have called Western Union numerous times and each time promised something would be done but nothing has been done.They confirmed my name and address numerous times.But have not sent my refund.They keep giving me a runaround.
Consumer complaint received 2022-07-17
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. (AL)

In accordance with the fair credit reporter act conversion XXXX XXXX  and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-14
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. (MI)

Consumer Financial Protection Bureau ( CFPB ) -- been suggested i seek CFPH help because of the impasse here. I am trying to work with you and progress or cooperation on your part.

1. automatic monthly payments with high interest rate charges have been made and accepted every month 2. reviewed all the accessible receipts XX/XX/XXXX and accept those charges for the month. 

3. reject all other charges from day card was opened to present ( except for XX/XX/XXXX ) because you have not provided these receipts for me to review. 

4. expect a refund for full amount except for XX/XX/XXXX since request for list of all charges from inception of card to present has not been provided -- assuming these are fraudelent. 

Best Buy Citibank VIsa Balance : XXXX Valid Purchase:XXXX Fraudulent Purchases : XXXX Outstanding Balance Refund Owed to Me : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Costco Autopayment XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUDULENT Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FRAUDULENT ACTIVITY Autopayment XX/XX/XXXX XX/XX/XXXX XXXX Autopayment XX/XX/XXXX No Purchases Autopayment " XX/XX/XXXX XX/XX/XXXX XXXX Autopayment " XX/XX/XXXX No Purchases Autopayment " XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX XX/XX/XXXX XXXX Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OK)

To whom it may concern, My name is XXXX XXXX, I am writing to request that the following items be immediately investigated. If inaccurate, they must be removed off my credit report. According to the Fair Credit Reporting Act, I expect you to complete this investigation within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX _XXXX XXXX These name are incorrect . Please delete it **Address reported** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX These addresses are not belong to me. I have attached proof of my current address below. Please delete it. 
**Auto loans** XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I never receipted any credit or loans from this company. Please provide full document. 
**Student loans** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it _XXXX   XXXX XXXX XXXX Reported : XX/XX/XXXX This account state that I was late on XX/XX/XXXX. However, I paid on time, it's inaccurate. Please provide payment agree or delete this account. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it!!! 
_DEPT OF ED / XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. The credit bureaus even did not update an remarks which violated " Metro2 Credit Report Compliance ". Please provide payments agree or delete it!!! 
**Hard Inquiries** XXXX Inquiry : XXXX XXXX, XXXX This isn't mine, delete it!!!
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX XXXX in Fact, entered into a consumer credit transaction with XXXX XXXX XXXXXXXX XXXX XXXX of 2013. A consumer credit transaction of which I a finance charge was XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. A finance charge does not include cash which XXXXXXXX XXXX XXXX but that was taken at the closing table. The finance charge should include insurance but I had to pay that as well. 

Pursuant to Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. These alleged reports you have failed to investigate rather or not they factually took place can be classified as a transaction that took place between the person making the report and the consumer. Which ultimately means it should not be in my report and is a violation of my RIGHTS!

Pursuant to 15 USC ( a ) ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information on my consumer report. This is also another violation of my rights.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My wages got garnished during Covid- very very hard time for me. I did not get summoned- I just saw the summons- It was given to a XXXX girl with XXXX XXXX  approx XXXX I have really XXXX  XXXX and XXXX  XXXX. I was never summoned. It is unbelievable they would would take just anyone 's word- they should ask for ID to make sure correct person is getting summoned.
Consumer complaint received 2020-07-16
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2020-06-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Car loan was taken out in XXXX the car was a XXXX and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit report
Consumer complaint received 2020-05-01
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. (NC)

This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable  procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XX/XX/XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XX/XX/XXXX ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Consumer complaint received 2024-11-05
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2020-05-01
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. (PA)

Expierian is once again not doing their job properly and investigating accounts that are not the consumers.. While other credit reporting agencies have found the accounts not to be accurate Experian sides with the company no matter the dispute or proof.. The account being reported that is not mine is under XXXX/XXXX  I have never had this account and all other agencies have found that I have not.. I also share a name with my father, and over the years his identity has somehow been mixed with mine..