davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (WA)

XX/XX/XXXX, I had a vehicle repossessed because I could no longer afford it. This was a voluntary repo. I only received a letter from the original creditor, XXXX XXXX XXXX, dated XX/XX/XXXX, that they " had my car and intended to sell it at a private auction. '' This was the last communication I received about this matter. Fast forward to XX/XX/XXXX, I received a call from my employer at the time that an unfriendly person was trying to find me, but they refused to say why, only that " it was personal. '' From what my employer said, this person was very aggressive and they had to ask him to leave. I contacted the police, fearing for my safety, and through several communication with law enforcement, I found out who the person was, and that he was a process server trying to serve me something. XX/XX/XXXX, I contacted the process server 's employer, XXXX XXXX XXXX, who told me they were hired by Sentry Credit and had no other information. I contacted Sentry Credit and  asked them what is going on. They only told me they had a debt in their office. They never contacted me prior to that conversation. I asked them to send me all documentation regarding the debt, including all letters that were supposedly sent, so I can verify the debt. Almost a month later I received a packet from them dated XX/XX/XXXX. No where in this packet was a letter about a debt in their office, or giving me the option to dispute the debt. XX/XX/XXXX, I received the paper they were trying to serve me, and it was a court summons for 20 days, dated XX/XX/XXXX, stating that they were suing me in court. I contacted sentry credit around XX/XX/XXXX or XXXX, and asked them why they were doing this, and they did not say. I attempted to ask them to give me a court date, but she only said that I didn't need to go. I offered to set up payment arrangements to stop this process, and she refused. both times I spoke with Sentry Credit, I spoke with XXXX XXXX. I do not know the name of the individual at XXXX XXXX XXXX.
Consumer complaint received 2024-10-29
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. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2020-02-10
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: Screening Reports Inc. (CO)

Recently got a letter today XX/XX/XXXX, from XXXX XXXX  XXXX saying I wasn't approve for a card that would me move forward in my business. on the letter It said " current or past delinquency with one or more of your creditors '' and then I checked XXXX XXXX I wasn't able to recognize few of the creditors that was reported that was on the year of XXXX. 
if possible I would appreciate your help if I could get this resolve so I can continue building my future!
Consumer complaint received 2020-02-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (SC)

XXXX XXXX an XXXX XXXX by notifying them by phone that my information was sent to them illegally an that theyve been reporting my information to credit bureaus destroying my credit. I also stated that every line I dispute a charge an the credit bureaus take it off the re add it back. They representative stated that if I dont like whats being done pay the bill. Unless I want to be arrested an take to court. I stated that I was going to report them an they said that it didnt matter now pay the bill. I ask them to take it off my credit an she laugh an hang up. The next time I call a representative said yes it can be taken off my credit no problem an said it wa fine. But they lied. So in XXXX nothing happen when I call back but for me to pay or be taken to court with documentation. XXXX I ask the same thing nothing happen but threats to credit or taken to court.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

I hereby dispute the accuracy of the account information on my Wells Fargo Auto Finance closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through Wells Fargo Auto Finance. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through Wells Fargo Auto Finance to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the XXXX insurance coverage and its application in my case. 


I kindly request that Wells Fargo Auto Finance thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I hereby dispute the accuracy of the account information on my XXXX XXXX XXXX XXXX closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through XXXX XXXX XXXX XXXX. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through XXXX XXXX XXXX XXXX to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the XXXX insurance coverage and its application in my case. 


I kindly request that XXXX XXXX XXXX XXXX thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2020-02-10
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. (AR)

Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$760.00}
Consumer complaint received 2020-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

My apologies as the dates aren't clear, but when I first began paying my federal student loans, I was never offered any income-based repayment plans. I was informed of these plans by family and friends, not by my lender. Once I discovered these options, and that my criteria fit them, I signed up. Before this time, I used the only options given to me by my lender : Unemployment deferment, Economic Hardship Deferment, Internship Forbearance, etc. 
Each one of these options charged a fee in order to enroll. Each one of these options still charged me interest of some kind, and did not offer the same types of benefits as the income-based repayments. 
My salaries at the time were always provided, including proof of payment, etc. I would have qualified for income-based repayment at any point during these years ( XX/XX/XXXX-XX/XX/XXXX).

*Please note that I graduated in XX/XX/XXXX, and my loans went into repayment in XX/XX/XXXX. I am continually denied any information before XX/XX/XXXX, before my loans were consolidated.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had originally applied for a Capital One SavorOne card, and saw that there was a XXXX dollar signup bonus after spending XXXX dollars in 3 months. I applied and got approved for the card. After calling CapitalOne after not seeing the bonus in my account, I was bounced around to different representatives until one said that he would file a case on my behalf for it, and that he would take care of getting me the bonus. That representative said that he would add the offer to my account. I got a call back about a week later from someone at CapitalOne who told me that when I accepted the offer for my SavorOne, it did not include the signup bonus, because apparently I was rejected for the signup bonus. I don't understand this because I got APPROVED for the SavorOne card, but apparently not for the signup bonus that was specified. I'm pretty upset at this, because CapitalOne advertised the signup bonus, but then skimped me out of it. I think this is pretty dishonest on their behalf.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

In its response to my previous complaint to CFPB, Chase said " there are instances when we will still need to speak with you '' referring to the fact that Chase requires a customer to communicate via the use of vocal chords in order to receive certain services from Chase that Chase offers to the general public. 

Chase terms and condition is the service do not mention that there is a requirement for consumers to be able to communicate with Chase via the use of telephone in order to receive the service that Chase advertises. I would like to know which services going forward Chase will not be able to provide to me due to the fact that I am not communicating with Chase via the use of a telephone. 

Chase needs to explicitly inform consumers about the requirements that it has for consumer 's ability to communicate with Chase representatives. Specifically Chase needs to specify in its terms of service the modes of communication that Chase requires its customers to have ability to participate in, the length of time for which Chase expects its customers to have the ability to maintain a continuous communication session with Chase representatives, and the requirements for pauses that a customer is allowed to have during any communication sessions with Chase representatives.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

I applied for a forbearance with Cardinal Mortgage and was advised it was approved from XXXX XXXX. I came back and asked to extend the forbearance and was advised it was extended until XX/XX/XXXX. The calls are recorded and the Loss Mitigation Dept stated payment would resume on XX/XX/XXXX. Today, Cardinal reported my account as more than 90 days delinquent. This is wrong because I was in an approved deferment from XX/XX/XXXX - XX/XX/XXXX. The calls are recorded. None of the time the loan was in forbearance were the payments reported delinquent but all of sudden today, XX/XX/2023 they reported me as late dropping my score by over 90 days. I have perfect payment history. I called Cardinal And they just keep transferring me to inept agents who Do not know their job. I asked how to request FOIA to obtain all my record from them and the agent didnt know what I was talking about. I will be filing a XXXX  complaint as well. The loss mitigation dept at this company is terrible. The agents are ignorant and do not know how to properly service consumers.
Consumer complaint received 2020-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LDF Holdings, LLC (AL)

The entire ordeal started back in XX/XX/XXXX I began to receive emails from a company radiantcash.com from what I can tell it is owned by a group called XXXX XXXX saying I was approved for a XXXX loan. I got multiple emails I did enter my info into a lender matching site to see what my options were. They would state I was approved for a XXXX loan and to sign my documents to finish the process. I withdrew my application twice and it just kept coming back. Then on the next email the date now is XX/XX/XXXX I clicked on it just to see what it was about. I was having a hard time financially so I looked over what they had sent I decided to wait it out I didnt want to have more Bill 's to pay and it would add an extra XXXX every check and I didnt think it was worth having another bill so I just exited out and moved on. Well I should have never let curiosity get the better of me because the next morning XXXX was in my account I was a bit shocked but I needed the money I took it as somebody looking out for me but boy was I wrong. The worst mistake ever! This company had different amounts on the final loan documents they are trying to hold me to. I have never missed a payment to them and have been paying since XXXX which was two weeks after I had looked at their offer and I asked for my pay off amount on XX/XX/XXXX I was told that I owed XXXX they have not taken any towards the principal after I have paid them XXXX which more than covers the XXXX I borrowed. Since finding out the balance is still XXXX I have done some research and this company is not licensed in Alabama and it is not legal in Alabama to charge an interest rate of 690 %. This is a predatory loan company that is doing illegal business in my state and because they are not licensed and have no right to do business in the state without proper licensing and their interest rate is not within the state law my loan contract is not valid and I should be refunded the amount i paid over the principal. Not only did I not decide to get this loan and choose this company but they also changed the loan terms on the final loan documents. None of which is legal. Please help me hold this company accountable so this will not happen to anyone else. I should have done something when it first happened but I was struggling financially and I did not have any idea of how bad or how corrupt one of these companies could be.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (UT)

XX/XX/2019 Wells Fargo paid on check i wrote to XXXX XXXX XXXX for $ XXXX.I wrote in box $ XXXX.i goof and wrote in writting XXXX Dolllars an no cent ... Wells Fargo in XXXX , Arizona where we was tempory they paid $ XXXX.Check # XXXX and i did make complaint with CFPB.com nothing happen.So we got home here in XXXX, Utah .So we went to XXXX XXXX, Utah ask talk with Banker/agent representive.We got help by XXXX XXXX we ask to update our mailing address.And make payment on our over draft that was a mistake of {$500.00} ... She look at said its been so long i never got hold of them, its going in to Wells Fargo write-off sent to Collection.I said i like to make payments to get it paid off.We used to heve Job working for XXXX in XXXX XXXX, Utah we had to quit in XX/XX/2019 Because got hurt and we was over work when we was on light duty.XXXX XXXX REFUSED to let us Make {$30.00} payment.She said we have to have Paid infull by XXXX XXXX and it ruin your credit because wells fargo will write it off.And you/we maybe make payment arrangement with Collection Agency.I never had this problem ever, this my first time i made this mistake, we been with Wells Fargo about 5-6 yrs.We are trying to get part-time Jobs.We been having Bad luck my sister suppose made payments on our car in XXXX Az.She owes us about $ 5k- $ 8k payments an insurance.So we came back to Utah.Our Mortgage is in Forecloser/Fraudulent i was email from Bad Attorney.But Real Estate of Utah.gov XXXX XXXX is working on our complaint with may others price inflation.Then we got behind on XXXX XXXX XXXX/If Wells Fargo would of rifi our cars we be doing better.So we are still  under Doctor order light duty job.We are then XX/XX/XXXX about XXXX had take my wife to XX/XX/XXXX from XX/XX/XXXX, XX/XX/XXXX.XX/XX/XXXXdid all kinds of testing.They Found XX/XX/XXXX on my wife XX/XX/XXXX, and XXXX my wife is on edge! If she bumps her head they said it more likelyXX/XX/XXXXher.So Yes we got many problems this year ... We sellling all our personal belongings on XXXX XX/XX/XXXX.My Plates expire XXXX, finally got new tags XXXX, Insurance {$160.00}. paid and Car payments behind.We are Homeless for our first time in our XXXX me my wife been together.XXXX got us Medical, XXXX card in the mail takes 5-7days for XXXXood.We eat one meal adayXX/XX/XXXXXXXX, Utah Mayor or the Town Does Not Offer Shelter/Housing for Help only XX/XX/XXXX.UT 75 miles away from us.
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.