davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. 
In 2017, my personal and financial information was exposed as part of the widely-publicized XXXX data breach. Like many other unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. 
In my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. 
I have made numerous attempts to have these fraudulent accounts removed. 
Despite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. 
The emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly XXXX about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. 
The lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. 
I hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NV)

after being preapproved by wells fargo for a home mortgage i was told all of my costs would be near {$6.00} to {$8.00} XXXX dollars and explained that i would not be able to do much more than that.after a couple weeks into the loan process i was informed that my out of pocket expenses could go as high as {$16.00} XXXX.the loan officer neglected to tell me of a surprise rule that would require a larger deposit from me after i had paid for an appraisal and inspection .the seller backed out after wells fargo taking too long to process my loan and i am out over {$800.00} dollars.i believe the inexperience of the loan officer caused this loss and would like to be reimbursed from wells fargo.
Consumer complaint received 2023-08-06
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. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenitiality under 15 USC 1681 sec.602 A, states, I have the right to privacy.

15 USC 1681 sec. 604 sec. 2, states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681 sec. 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account name : XXXX XXXX, Account no. XXXX, Account name : XXXX XXXX XXXX, Account no. XXXX
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MI)

I have sent a validation of debt letter and cease and desist to National Credit Systems XXXX times. They scam consumers by changing their address which is different on each credit report multiple times. XXXX XXXX ( attached ) has XXXX address, XXXX and XXXX have another address ( attached ), their website shows a third address ( attached ) and on another listing of theirs it shows a XXXX address. I've sent letters to all XXXX and they refuse service or they come back to me. I also emailed them the letter AGAIN ( evidence attached ) and still nothing. This apartment was a corporate apartment and my previous company stated in writing from their attorney on my separation agreement that they would take over the apartment and costs. I have no actual paperwork from the apartment complex or National Credit Systems showing a debt or how to dispute or anything. I will not pay this until I get that. Until then I have rights under fair credit reporting.
Consumer complaint received 2016-07-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

Ally financially made a billing error. This is a non-valid debt. We have been fighting with them for 3 years to get this corrected. My husband 's lease ended in 2013. We were over the miles and planned to purchase the vehicle, however the dealer talked him into re-leasing instead and the dealer bought the vehicle. He explained this would absolve any fees. Our buyout quoted price from Ally was {$16000.00}, XXXX XXXX ( dealership ) paid Ally {$16000.00} for the vehicle. The dealership assured us we would not be responsible for anything further ( as did Ally ). For some reason Ally still sent us a bill about a month later for over mileage ( even though this vehicle was purchased by the dealer and not returned to Ally ). We have been going rounds with them to get this corrected. I even filed a XXXX report with them in 2013 where a manager responded and assured me it would be removed. However it never was.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

15 USC.s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccurate names to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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. (MS)

I disputed late payment statuses being reported to the the CRAs by XXXX XXXX XXXX XXXX XXXX. I disputed with the creditors AND the CRAs by written letter on XX/XX/23, XX/XX/23, & XX/XX/23, and also electronically with the CFPB on date. I believe these account are STILL inaccurately reporting these late payments even after my numerous attempts to ensure the information on my report is being properly furnished. 

These accounts were marked verified by the creditor and bureaus. I was notified of results by letter and CFPB complaint results. 

Upon checking my recent credit report, I noticed something very alarming that needs to be brought to attention. Under the FCRA, I am entitled to accurate reporting at all times. 

On my most recent report, I am showing that both XXXX and XXXX XXXX have these accounts ' dispute statuses as " Account not Disputed, and are still reporting inaccuracies across bureaus. This is a very concerning inaccuracy as both companies and the bureaus stated they launched an investigation. 

I don't believe these accounts were properly investigated and verified. I no longer want another investigation. As a result of this improper investigation & my numerous attempts to ensure my information is being reported properly, I demand for these late payments be deleted promptly. These have been a hinderance, are inaccurate, and it is clear that these companies have not been complying to the FCRA laws as they are legally obliged to. They are untrustworthy even with my dispute processes to allow them to fix their errors. 

The CRAs are willingly furnishing inaccurate information following investigations. They are allowing these companies to be in non-compliance right along with themselves. They need to be held accountable. Please have this information removed immediately under the FCRA. Please send an updated report following these updates.
Consumer complaint received 2023-08-06
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. (MI)

On XX/XX/XXXX. I exercised my right to dispute inaccurate information with Transunion and XXXX according to the FCRA. The credit reporting agencies, Transunion and XXXX received my information via certified letter. They utilized my dispute letter as a means to retaliate and/or attempt to punish me by ignoring my dispute, intentionally and deliberately added unreported information to my credit file to cause me a deliberate credit injury of my character and credit worthiness. Here is a list of information that was deliberately and maliciously added to my credit report : TRANSUNION ADDED ON XX/XX/XXXX via File # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDED ON XX/XX/XXXX -XXXX XXXX  ACCOUNT TRANSFERRED OR SOLD '' -XXXX XXXX '' CHARGE '' -FICTICIOUS NAME OF " XXXX XXXX XXXX XXXX '' after submitting proper documentation verifying my actual identity
Consumer complaint received 2023-08-06
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. (UT)

THIS IS NOT A DISPUTE FOR CREDITORS! THIS IS A REQUEST TO EXPERIAN TO ADD ADDITIONAL INFORMATION TO MY CREDIT THAT IS CURRENTLY MISSING. The accounts listed below have never reflected expiration dates as to when the accounts will expire and be removed from my credit, even though all are and have been closed for years. 

XXXX. XXXX # XXXX - this account is paid & closed but does not show an expiration date as to when it will fall off. Please add the date so that I can track it. 

XXXX. XXXX # XXXX - this account was charged off but is close to its expiration date. There is no date showing currently to assist in tracking when this will fall off. Please add it so I can track it. 

XXXX. XXXX XXXX # XXXX - this account has been charged off for a long time. There is no expiration date listed to assist in knowing when it will fall off. Please add the date it will expire on my credit, so that I can track it. It should be close to expiration as well.
Consumer complaint received 2016-07-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (IL)

I paid off my account with Ally Bank for the purchase of my car in XXXX and received a letter from them dated XXXX XXXX, XXXX but have not received my title for this car ( XXXX XXXX XXXX XXXX I called them Tuesday and they say that the title was sent to me on XXXX XXXX, XXXX but I have not received it and they are saying that they can not issue me a duplicate title that I have to go to the Sec. of State and pay {$100.00} to get a duplicate title am XXXX XXXX XXXX and have paid enough for the car. They have all the information on my car and should be able to issue a duplicate title. Yesterday when I called them and asked to speak to a supervisor they said that there was no one there while speaking to the same person that I spoke to on Tuesday and that I could leave my phone number and they would call back in XXXX to 48 hours. I do not believe that there was not someone in charge that I could talk with to try to get this problem resolved. ALL I WANT IS THE TITLE TO MY CAR. Are they this rude to everyone that calls with a complaint? I do n't want to be lied to just tell me the truth.
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (SC)

I GOT MY XXXX XXXX FROM US AUTO SALES IN XXXX SC IN XXXX. I MADE PAYMENTS REGULARLY AND ON TIME. WHEN I WAS LATE ON A PAY MENT WHICH WAS NEVER MORE THAN 7 DAYS I HAD TO FIND OTHER MEANS FOR TRANSPORTATION. SOMETIMES THIS INCLUDED ME STAYING OUT OF WORK BECAUSE MY CAR WAS DISABLED BY A TRACKER THAT THEY TOLD ME WOULD HELP IN CASE OF THIEFT. THEY WOULD DISABLE MY CAR AND IT WOULD REMAIN DISABLED UNTIL I MADE A PAYMENT. ONE DAY I MADE A PAYMENT THEY STARTED MY CAR AND THE VERY NEXT DAY IT WAS DISABLED AGAIN AND I WAS TO MAKE ANOTHER PAYMENT BEFORE I COULD DRIVE THE CAR AGAIN. I WAS FORCED TO MAKE OTHER ARRANGEMENTS THOUGHOUT THE WEEK. 

I WAS DOUBLE BILLED FOR CPI EVEN THOUGH I PROVIDED PROOF OF INSURANCE FOR THEM THEY STILL CHARGED ME FOR INSURANCE AND AN INTREST FEE THAT MY PAYMENTS WENT TOWARDS INSTEAD OF MY FINANCE CHARGES AND GAP COVERAGE
Consumer complaint received 2023-08-06
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: Mr. Cooper Group Inc. (AZ)

I recently opened a mortgage loan on an investment property which SHOULD'VE been under my LLC 's credit report and not my own. My LLC is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my LLC when we signed the loan documents. Before signing documents, I confirmed with my loan officer that I was only signing on the LLC 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the LLC is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the LLC to show that I have the right to act as the signer on the LLC 's behalf, and the loan disclosure and documents which shows that the LLC is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the LLC. They do not allow the LLC entities to be the official signer of documents.
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo withdrew {$220.00} on XXXX/XXXX/XXXX and {$670.00} on XXXX/XXXX/XXXX for a total of {$900.00} without my authorization. Wells Fargo claims I authorized [ Father ] on my account on XXXX/XXXX/XXXX and consequently feel they had the right to take the money to cover his delinquent account. I proved to them that was not my signature on the documents they claimed I signed by providing a copy of my driver 's license with my true signature. During the span on XXXX they conducted an investigation which involved me having to follow-up on numerous occasions including my third visit to the branch on XXXX/XXXX/XXXX after weeks passed and several unreturned phone calls. The conclusion of their investigation by an email read to me by XXXX was " Unfortunately we are not able to reverse any 'set-offs ' since it is not a bank error. We recommend [ I ] close out the account so [ I ] loses no more funds in the future. We apologize for the inconvenience this will cause our customer but they advise to reach out to [ Father ] to obtain the funds ''. They acknowledged that I am not in contact with [ Father ] because they too attempted to reach him. They also acknowledged the signature in the original document is not mine. For the aforementioned reasons, my mortgage is now past due since XXXX/XXXX/XXXX and I have received several collection calls from Wells Fargo. I have attempted to make payments even though they are at fault and they are not allowing me to pay because I now have my lawyer involved.
Consumer complaint received 2016-07-14
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NY)

This company is harrassing me over a debt that belongs to my deceased Uncle. They call me at work even though I explicity told them multiple times to not call me at work. I also asked for them to stop calling my cell ( XXXX ) these people have not sent anything to me regarding debt and are harrassing me on a daily basis.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (NC)

I had a defaulted credit card with Wells Fargo in the past. In XX/XX/XXXX, I reached out to Wells and we reached settlement terms to resolve my outstanding balance. They agreed to settle my {$5600.00} balance for one payment of {$3700.00}, if paid by XXXX XXXX. I made the payment as agreed. Its now six months later, and Wells Fargo continues to refuse to update my credit report appropriately. Instead of reporting the account as settled in full with no liability, the are reporting that I still owe them money. I have disputed this account with the credit bureaus 5 times, but Wells continues to tell them I have an outstanding balance. I did my part, but they are not living up to their end of the settlement agreement.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (AL)

I was investigating the fraudulent charges on my accounts for my different credit cards because my information was breached. SYNCB/SAMS decided not to work with me to get it resolved after all these years but decided to sell the debt eventhough it was against the section 605B of the Fair Credit Reporting Act. The interesting thing was they were able to find a way to report the instance on my account twice for XXXX but putting another account number but with the same information. 
I have provided police report, the document warning me of how my information was breached, FTC Identity Affidavit, and even documents to prove my identity. XXXX was nice enough to acknowledge it and report it as stolen card but it still leaves XXXX negative marks on credit report. Experian was able to delete it and XXXX only posted the one but did not provide the information that XXXX did. Identity theft is a pain in the XXXX and welcome any help I can get in getting things resolved.
Consumer complaint received 2016-07-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (MD)

Hello Viewers, I 'd like to start by saying, i brought a toyota pruis 2010 at XXXX, put down XXXX dollars, and they made my payments XXXX a month or XXXX biweekly which is fairly affordable. But once i realized the many issues of this company etheir not receiving my payments for months at a time or late each time without notifying me, I became skeptical and highly frustrated. I always called them or answered my phone for them to sort things out and stay in good standard. But now almost 2 years later only being late 3 times, i still owe XXXX, XXXX. How in the world is this possible when I am told often to recheck my balance on line to see accuracy ... or wait for the statement..all in which XXXX say I owe XXXX XXXX still. I feel ripped off and stuck in a worst runt than before getting this car. I feel I am stuck owing this company for many more years and nothing is being done about them ripping people off. I pray to get out of this Unreasonable and unfair loan right away. So DO NOT TRUST the representatives that call you for Consumer Profolio Services because they do not hold to their word. They make verbal agreements or promises but when you check your remaining balance on your loan, it shows way more than you actually owe each time. They also do not communicate well with XXXX another about your personally information or changes in your loan. They will take your funds before and after they are due without permission. Causes your account to overdraft or double pay. They will continuously charge you even if they have said they waived late fees, and claim they put your payment 's in the back of your loan even when you caught up with your car payments. They will call and harass you all through out the day even when you make a payment agreement and stick to them. They find ways of receiving your payment 's late or say they are unable to take your funds due to the bank not releasing it, which I found each time to be a lie. These faulty errors make your loan extremely hard to decrease or payoff let alone go away at all. It is not worth anyones hassel to deal with this unprofessional and very rude company. Take your services safely elsewhere. Itll save you the stress in your life and not having to owe a loan 50 % more than what you actually owe. I truly hope this was helpful to someone reading about Consumer Porfolio Services.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was applying for a XXXX  XXXX  XXXX  XXXX  with Bank of America and was denied twice on XX/XX/XXXX, and XX/XX/XXXX. 

Bank of America made me believe that it was because I have too many credit cards with them, I previously had three ( 3 ), but Now I have one ( 1 ). However, Bank of America is still denying me, I have been with Bank of America approximately XXXX. 

I believe that Bank of America is discriminating me and not been honest upfront about and telling the truth. I contacted XXXX and my credit score is very Excellent and XXXX XXXX and my is Excellent. 

Bank of America is not fair to me, please assist to this matter.