davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to seek assistance with a pressing issue regarding errors on my credit reports, as well as multiple accounts that have been reported to credit bureaus without my recognition or consent. Despite my best efforts to resolve these discrepancies, there has been no change to my credit reports, and I urgently require these inaccuracies to be expunged from my records. I am also in need of assistance with disputing these accounts with the individual companies involved. 

The details of the situation are as follows : XXXX XXXX- {$14000.00} ( Fraudulent Account ) : This account was opened fraudulently, and I have no association with it. It has been erroneously reported on my credit report, negatively impacting my credit score. 
XXXX XXXX XXXX - {$3000.00} ( Fraudulent Account ) : Similar to the previous account, this one was also opened fraudulently, and I have no knowledge or involvement with it. It has been inaccurately reported on my credit report. 
XXXX XXXX XXXX - {$5000.00} ( Fraudulent Account ) : This account, like the others, was opened fraudulently, and I have no affiliation with it. It is adversely affecting my credit profile without justification. 
XXXX XXXX - {$3800.00} ( Fraudulent Account ) : This account was opened fraudulently, and I am not the account holder. It has been inaccurately reported on my credit report, causing unwarranted damage to my credit history. 
XXXX XXXX XXXX - {$4900.00} ( Account Overdrawn due to Hacking ) : This account reflects an overdraft due to my account being hacked, leading to unauthorized transactions. I have already taken steps to address this issue with my bank, and it should not negatively impact my credit report. 
XXXX XXXX - {$5900.00} ( Paid in Full ) : This account was paid in full, and I have documentation to verify the payment. However, it is not accurately reflecting the resolved status on my credit report. 
I have made diligent efforts to dispute these errors with the credit reporting agencies, but regrettably, there has been no correction or resolution. Therefore, I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these inaccuracies and expunging the fraudulent accounts from my credit reports. 

Additionally, I seek guidance on the process for formally disputing these accounts with each of the individual companies involved. It is my hope that with the CFPB 's intervention, these discrepancies can be rectified promptly, and my credit reports can accurately reflect my financial history. 

I understand that personal information may be required for the companies to identify me and my accounts during the dispute process. Please let me know if and when this information is needed, and I will provide it promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving these credit report discrepancies and disputes.
Consumer complaint received 2019-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OR)

We have been waiting for the short sale of this property to be approved and Fay servicing kept on telling us that sale date is on hold. on XX/XX/19 they told us that the bank foreclosed on the property and on XX/XX/19. They lied to all of us. Please investigate this matter ASAP
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I made XXXX different charges on my Care Credit account. On XX/XX/2023 {$1100.00} which has a minimum payment due of {$39.00}. On XX/XX/2023 {$750.00} which is interest deferred. On XX/XX/2023 {$1400.00} which has a minimum payment of {$50.00}. On XX/XX/2023 {$1900.00} which has a minimum payment of {$67.00}. The total minimum payment is {$150.00}. On XX/XX/2023 a payment of {$39.00} was paid to the {$1100.00} charge. On XX/XX/2023 a payment of {$180.00} was paid as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$30.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. Every month I have to call and ask my payment to be allocated correctly as stated above. Everything was fine until my XXXX payment was not allocated. I called in XXXX and spoke to a woman manager who said it was requested in their system but it was not done by accounting for some reason. She said she will tell them they missed it. I called again in XXXX and spoke to another woman manager who said it was still not done and she will ask them to fix it. Once my account updated the person who was supposed to fix the problem made it worse and now instead of my {$750.00} charge showing a balance of {$280.00} it shows a balance of {$6.00}. That means someone took the money that was paid to the other accounts and incorrectly applied the money to the {$750.00} charge instead of only applying {$140.00}. So now I am being charged interest on charges that I already made payments towards. I called XX/XX/2023 and spoke to a man manager who was very short and rude and would not help me, so now I am filing this complaint. My account should reflect the following : {$750.00} charge had payments of {$30.00}, {$140.00}, {$140.00}, {$140.00} leaving the balance of {$280.00}. {$1100.00} charge had payments of {$39.00}, {$39.00}, {$39.00}, {$39.00}, {$39.00} leaving balance around {$900.00}. {$1400.00} charge had payments of {$50.00}, {$50.00}, {$50.00}, {$50.00} leaving the balance around {$1200.00}. {$1900.00} charge had payments of {$67.00}, {$67.00}, {$67.00}, {$67.00} leaving the balance around {$1600.00}.
Consumer complaint received 2019-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

*Submitted on experian.com/consumer/upload/ correspondence from Four ( 4 ) banks that appear on HARD INQUIRIES stating that the HARD INQUIRIES were a result of an <<ERROR>> and that they should be removed from EXPERIAN . Experian has violated The FAIR CREDIT REPORTING ACT by NOT ACCEPTING DOCUMENTATION PROVIDED BY THE COMSUMER AS A RESULT OF AN ONGOING DISPUTE. The following Inquiries MUST BE REMOVED BY LAW : XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - XXXX 'XXXX XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX XXXX
Consumer complaint received 2023-09-07
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. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate infromaton for the account listed DEPTEDXXXX  Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (TX)

REF XXXX IM FILING THIS COMPLAINT AGAINST DIVERSIFIED ADJUSTMENT SERVICES. THIS DEBT COLLECTION COMPANY IS CRUEL RUBBED VIOLATED MY RIGHTS.

THIS COMPANY HAS VIOLATED THE FCRA LAW.

THIS COMPANY SENT ME A ALLEGE DEBT FORM FROM XXXX TO COLLECT A DEBT. ACCORDING TO THE FORM STATING TO SEND IT BACK BY XX/XX/2023 TO DISPUTE THE DEBT. 

AFTER I HAVE RECEIVED THE LETTER, I FILLED OUT THE FORM BY I WANT TO DISPUTE THE DEBT BECAUSE I THINK THIS IS NOT MY DEBT AND SEND IT ON XX/XX/2023 back. THE COMPANY RECEIVED MY LETTER ON XX/XX/2023 TRACKING NUMBER XXXX. 
HOWEVER THE COMPANY WISHED TO REPORT THE COLLECTION EVEN BEFORE THE ORGINAL DATE WHICH WAS XX/XX/2023. THE COMPANY REPORTED THE COLLECTION ON XX/XX/2023 VIOLATED MY RIGHTS. 

AS OF TODAY ANOTHER DEBT COLLECTION COMPANY SOURCE RECEIVABLE MANAGEMENT HAS REPORTED TO MY CONSUMER REPORT. 

15 U.S.Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The information is, in fact inaccurate.

violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of informations, and 15USCode 1681q Obtaining information under false pretenses. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

YOU WILLFULLY KNOWINGLY REPORTED THIS COLLECTION TO THE CONSUMER REPORTING AGENCIES TO HARM ME. ITS OBVIOUSLY SHOWING THAT IT WAS DONE. 
I WILL SUE YOUR COMPANY FOR VIOLATING MY RIGHTS.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Paid my balance in full on XX/XX/2019. Capitol One then sent me my statement on XX/XX/2019. The statement showed they charged nearly {$13.00} of interest on a XXXX balance account. When I called to inquire why, I was told I have to pay the balance off in full two months in a row to be charged zero interest.
Consumer complaint received 2024-09-03
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)

Maryland Highway and Safety notified me, that my XXXX XXXX XXXX had a FUEL PUMP SAFETY HAZARD. I contacted XXXX XXXX  and cooperate officers only to receive aggressive resistance with XXXX accountability. The executive clerks were not phased how I was terrified for my life, because the vehicle jerked and stalled in traffic constantly. XXXX, sold me a defected new vehicle, and outright insisted I trade the vehicle and overlook them selling me a new vehicle with a fuel pump that endangered my life. I filed a complaint with my Maryland Attorney General office XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to XXXX  unscrupulous manufacturing practices, and relentless aggression in endangering my life. For example, for months to provide a safe fuel pump. The retaliation was abusive when attempting to make my usual on time monthly payments to XXXX XXXX. The online service was problematic, so when I attempted to make payments the representatives would display all sorts of shenanigans. For instance, be combative, hung up the phone, transfer me into a queue for extended periods. The supervisors call back was manipulated constantly. For example, I was told I would receive a supervisor call back in 48-72 hours and I would not receive the supervisors call back, and when I called back the representative would inform me I had to wait another 48-72 hours. So, this is the gross aggression Im receiving attempting to make my monthly on time payment with a supervisor. As a result of the retaliation, harassment, and excessive shenanigans from XXXX XXXX XXXX representatives and supervisors I have two unjust late payments on my XXXX, XXXX, and TransUnion credit reports. 

Please note, prior to the XXXX XXXX XXXX XXXX I had a EXCELLENT rating with XXXX XXXX, and after the sold me a vehicle that endangered my life and lives of other citizens, they have manipulated two ONE DAY late payments to all three credit bureau.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

Called ally finance about gap and warranty protection plan found out I never been enrolled by XXXX XXXX XXXX XXXX. Warranty dept and national warranty said I had to talk to dealer why they never enrolled me. Called XXXX XXXX and 2 other numbers. I got a call from a number that just things and did not leave a message I need my products registered or money back I just need my money back since XXXX XXXX never enrolled me
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NJ)

I purchased a car on XX/XX/23. The price of the car was {$20000.00}. 

Problems : Of the number stated above, XXXX was for wheel locks, pinstripes, and door guards none of which were installed in the car On XX/XX/23, I agreed and signed with the salesman, XXXX XXXX, a breakdown of total costs being in the high $ XXXX. Paid a partial downpayment of XXXX 

I had to come in the next day, on XX/XX/23, to finish financing because the day I initially visited the dealership was a holiday, and therefore could not contact my bank. Paid another partial downpayment of XXXX, so the total downpayment was XXXX. I worked with XXXX XXXX from the finance office. She said the loan would be for over $ XXXX ( this already includes the deduction of my downpayment, therefore the total purchase was $ XXXX or $ XXXX higher than what I signed with the salesman, XXXX XXXX ). I asked to remove all of the add-ons, but she said she could not remove them otherwise, I would not be approved for a loan, even though I have a credit score of XXXX. But, she said I could cancel ALL of the add-ons within 30 days and receive a full refund to the principal of the loan. I asked her multiple times if I could get my money back, and she LIED multiple times and stated I could receive my money back for ALL of the add-ons and that I could not deny them or I would not receive financing. Therefore, I signed the under false pretenses due to the lies of XXXXXXXX XXXX  finance office. She said she would give me information on how to cancel the add-ons but never sent it. So, the next day, on XX/XX/23, I contacted the dealership to cancel the add-ons and spoke with XXXX XXXX on how to cancel. XXXX gave me their website page and told me she would get XXXX to contact me. So, I took the initiative to contact XXXX one of the companies for the add-ons. The representative from XXXX told me that not all of the add-ons on refundable, She said that XXXX add-ons with them are NOT refundable and XXXX MAY not be fully refundable. She said they had not yet received the contracts and that I could contact the dealership and VOID these contracts under false pretenses due to the lies from the employee before they would be sent to XXXX. I have tried multiple times to contact the finance department and XXXX XXXX but have not been able to reach anyone. 

There are discrepancies between the itemized list from the dealership and the contracts to XXXX. The dealer charged me more than the asking amount from XXXX, perhaps in a scam attempt to pocket the additional money. 

There was also an additional N/A charge of XXXX that was unexplained, perhaps in another scam attempt to pocket additional money. 

XXXX is way higher than the value of the car.
Consumer complaint received 2023-09-07
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)

I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (GA)

I called on several occasions and requested the trustee and indentured trustee information and a copy of the entire indenture including all supplements or where I could find it and I was told they did not have this information for my account. I am requesting that they provide me this information.
Consumer complaint received 2023-09-07
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
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. (TX)

Transunion, XXXX, and XXXX continue to report inaccurate information which is damaging consumer report. The account listed XXXX XXXX Account # : XXXX XXXX XXXX is listed multiple times with several inaccuracies. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.