davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AR)

I enrolled a credit counselor program call XXXX XXXX in Early XX/XX/2018. I did pay XXXX XXXX {$140.00} every month for my credit card debts. From XX/XX/XXXX until today. I have been getting computer type phone calls from Synchrony Bank & using their voice on my voice mail. They had been calling me over 30 times. I was told from XXXX XXXX not to talk or answer their phone calls. I had to pay my debt off with Synchrony Bank in about 3 years with the XXXX XXXX. I had contracted XXXX XXXX about those harassing phone calls from Synchrony Bank. Synchrony Bank refuses to talk to XXXX XXXX over my credit card debt.
Consumer complaint received 2023-09-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

XXXX of XXXX I inquired about a title loan with XXXX XXXX and went into a contract based upon misrepresentation from the advisor that I spoke with I canceled the contract within the 3 days that's allowed in the contract. I never got a response from the company they never possess my vehicles title and I went with a different lender called XXXX and obtained a loan and paid it off and obtain a free and clear title once I paid off the loan. 3 years later in XX/XX/XXXX XXXX XXXX puts a lien on my vehicle using a power of attorney that was retracted and no longer authorized to use because I rescinded the contract that I was rightly entitled to do so say the contract. XX/XX/XXXX I reported my vehicle stolen and the police confirm that the vehicle was stolen because no repo company had reported the allege repossession that they are required to do so by law and on top of the illegal repossession which is theft there was items in my vehicle of high value that was stolen as a result of the illegal tow which is breaking the peace and also theft which is a criminal violation because the value of what was stolen out of my vehicle exceeds over {$10000.00} that I have the police report to verify. They want me to pay {$7500.00} to retrieve my vehicle back but as inquired about why this happened I was informed that the account they had for me was charged off in XXXX which they have received a tax credit for the original loan amount and now have stolen my vehicle and the third party vendor professional towing has damage my four-wheel drive vehicle by dragging it out of the driveway dropping it over bracelet then dragging it the other way without a flatbed or a dolly that is required and stolen items out of my vehicle is a definitely a cause of breach the peace. I have suffered tremendously because of this illegal action I've been without a vehicle for 2 months and now working XXXX jobs because of the financial hardship that this unscrupulous business has put me through. The fact of the matter is that I never gave consent to use my power of attorney from the original contract after I rescinded the contract which they did illegally to secure lien fraudulently to steal my vehicle.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WI)

A JCMBC account was opened XXXX without my knowledge or consent. I called company and closed the account. Reported Fraud to all three bureaus and added fraud alerts.When I asked for proof of application the woman said that it can't be released because I didn't open account.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When reviewing my credit reports from the bureau 's. i discovered some instances of late payments for an account for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.
Consumer complaint received 2024-10-31
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. (SC)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in con nection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

( XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I purchased a camper  and financed it through BOA and setup auto pay. They were not automatically taking payments. I called to confirm information and authorized 5 payments eqaulling XXXX and I was charged that. I then authorized the next month of XXXX and was charged that. I was then charged XXXX for interest on so called late payments and was never told about this or authorized this payment. I was told it was their policy and that was how it works. The customer service refused to listen to the recorded conversations and authorizations and told me that I would have to deal with their policies.
Consumer complaint received 2023-09-08
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK (DE)

I contacted Freedom Debt relief to close my account with them. And the following is the response I got. 

Dear XXXX XXXX XXXX XXXX you for contacting Customer Service , we are happy to help with this. Upon reviewing your XXXX  XXXX  it appears that your current estimated pay off amount as of today comes out to an estimated {$2000.00}. Please keep in mind that there is always a possibility that this amount may not cover the final payment to your creditors which is why it is recommended to cover in for at least a {$100.00} overage to ensure we have more than enough funds and whatever is left will be returned back to your bank account once your account is closed. If you have any other questions or concerns in regards to this please do not hesitate to reach out to our Customer Service line mentioned below at your earliest convenience for further assistance with this. 
Visit your Client Dashboard to track your program progress, watch helpful videos, and read frequently asked questions. 
Thank you for letting us be your partner on your journey to a debt-free future. 
Freedom Debt Relief Customer Service www.fdrclient.com Customer Service : XXXX | XXXX So I then paid the pay off amount on XX/XX/XXXX. On XX/XX/XXXX they withdrew another {$300.00} and I asked why this was done and was told it was to cover the closing cost. OK the that should have been included in the payoff amount but ok. the following is the question i asked and response Good Morning, I have paid off the balance remainder of {$2000.00}. Why are you continuing to deduct from my account? That was the purpose of looking to close the account. Please let me know why or I will be closing the bank account so you can't withdraw from it. 

Thank you. 
Dear XXXX, Congratulations on successfully reaching the end of your program! It's important to note that it can take up to 30 days after you deposit the funds to graduate and complete you from the program. During this 30-day period, it's possible that another deposit may be drafted if you have a deposit scheduled and any excess funds will be refunded once your account is closed. 



We understand that you may have some concerns regarding your deposits during this period. Please know that you can modify your deposit at any time during this 30-day period to better suit your needs. Give us a call at XXXX to modify your upcoming deposit during this time. 

Now here it is XXXX and they withdrawal another {$300.00}. All accounts are paid an closed how do i get the to stop taking money from me.
Consumer complaint received 2024-10-30
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. (IN)

There are errors on my credit report linked to 15 USC 16c-2. The inquiries listed were not sanctioned by me, and this inaccurate information is hurting my credit. Please take down all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of identity theft, with my personal information used fraudulently, leading to items appearing on my report that I was never associated with. I followed TransUnion 's guidance and filed a report with the FTC, which I submitted, yet these fraudulent items still remain on my report.
Consumer complaint received 2023-09-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mr. Cooper Group Inc. (IL)

I was changed for {$280000.00} in XXXX for legal fees unknown. Transferred to a different mortgage servicer on XX/XX/2023 and still have received no documentation for these fees. They added these fees a week after filed complaint # XXXX XX/XX/5023 with CFPB..
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NJ)

XXXX XXXX in XXXX New Jersey. 
The Used car price was {$49000.00} plus tax. 
When I checked my finance documents because I was wondering why my payments were so high and for so long ( 6 years ) it says price is {$60000.00} plus tax. 
They added {$10000.00} to the sale price without me knowing and mixed into the my monthly payments hoping I would not notice. 
I have pictures from their website showing the {$49000.00} price. 
I am extremely upset and need assistance please. Thank you.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ENCORE CAPITAL GROUP INC. (TX)

Companies closed my bonus checking accounts from XXXX XXXX XXXX  and Saving Account. XXXX XXXX XXXX, Checking and Saving Account, XXXX XXXX XXXX, Saving and Checking Account. XXXX XXXX, Saving and Checking Account. XXXX XXXX 401k Plan ARI Accounts. I haven Internet Online Business Service For Products on XXXX and this is what happen.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CXXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

n 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 ( Golden 1 Account Number XXXX )
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC (MA)

APPLIED FOR A MORTGAGE ON OR BEFORE XX/XX/2023 TOOK A LONG TIME BEFORE LOAN CONSULTANT GET BACK TO ME NO IDEA AS TO WHAT IS HOLDING THE PROCESS WAS WAITING EMPLOYMENT VERIFICATION SINCE LAST FRIDAY XX/XX/XXXX TILL NOW I HAVE NO IDEA IF I WILL BE GETTING A LOAN OR NOT