davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
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: EQUIFAX, INC. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2018-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (HI)

I was interested in a car so I filled out an online request for more information. I was contacted not too long after and was told to apply for financing online for the vehicle on Saturday the XXXX. They told me they would be closed on Sunday so to call Monday. They ran my credit for a car that was already sold.
Consumer complaint received 2018-08-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (CA)

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and GM FINANCIAL with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX, XXXX, Experian : This is a Self-Attestation that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that trafficking. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX on XXXX XXXX, XXXX under the account number ( XXXX  XXXX ). An personal loan opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXXXXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Consumer complaint received 2018-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one inquires dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I remember on but others no
Consumer complaint received 2018-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX, I visited my local Suntrust bank branch to cash an insurance check for damages to my home. Suntrust was listed as a co signer on the check for {$22000.00} as I currently have a home equity line of credit with them. They have now had held this check going on four weeks with the exception of a small payment of {$5000.00} being released just this past week. Three weeks after the check was sent in and not even a XXXX of the total amount of the check. I was just notified today that it will be another XXXX days before any more funds are released to complete my repairs on said property. They sent someone out to my home today to do the physical inspection to ensure the work is being done to code and being completed. This individual had no physical ID, credentials to identify who he was and he was not even an employee of Suntrust bank but a sub contractor. He only took photos and left.

In addition, Suntrust is refusing to release the last of the funds until project is complete. I can not complete the project until they release the funds so I can pay for the materials that will be required for completion. 
Lastly, the lack of response from the XXXX XXXX XXXX department is unacceptable. As a customer, I was not given a direct number to this department, an email address or any other avenue to communicate with this department directly. The response time for this process should be no later than 48 hours from initial contact. I find the protocols for this criminal. Suntrust has held my money way too long and if it continues the way it has been it will be a two month process or longer. I am forced to self fund this project because Suntrust will not release the funds and has no sense of urgency to do so. Withholding the funds for this long should be against the law. It is not Suntrusts money to keep and they are holding money XXXX for their benefit.
Consumer complaint received 2018-08-13
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. (NY)

I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX  in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

EXPERIAN REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX   REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I validated a check with the Bank of America Money Network. The check was validated according to the money network guidelines. 

Then again as per the directions on the Bank of America Money Network, I took the check to my local Bank of America Branch. Both the money network check and the account card are emblazoned with the Bank of America logos. The money network site also features prominently the Bank of America logo and uses the bank of america domain name. This website states clearly that branches will cash these  money network checks. 

However when I took the check to my local branch on this was not the case. After requiring a counter signature and fingerprint, the teller and then the assistant manager and manager all informed me that they would not cash the check since I did not have a Bank of America account. 

In my confusion, I called the number on the Bank of America Money Network card. While on the call with the agent I was informed that the Bank of America branch had voided my Bank of America Money Network check, The agent then told me that the funds frozen for the check that was now void would be kept frozen for 10 days. Thereby freezing access to my funds as a direct result of their fraudulent claims. They still have not returned the funds to my account.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MD)

I have disputed with LJ Ross Associates about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to LJ Ross Associates. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. LJ Ross Associates did not oblige. LJ Ross Associates letter, ( see attached ), dated XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since LJ Ross Associates is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Consumer complaint received 2018-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

I received the response that was given to XXXX XXXX. From that I reached out to Wells Fargo Bank this past Saturday the XXXX. They requested me to go to XXXX XXXX XXXX to tell them that on XX/XX/2018 account ending in XXXX, approved to send my money to XXXX with the ACH trace id number XXXX. I went to BOA and could not request any information because I am not their customer. Therefore I am in a dilemma of retrieving my money back since XX/XX/XXXX with no trace of whether XXXX has my money or if it is the possession of Wells Fargo. I spoke with XXXX from Escalation department from Wells Fargo. Her number is XXXX. The Claim number is XXXX from XX/XX/XXXX with XXXX from the Resolution department. They were suppose to notify me on XX/XX/XXXX on the status of my case. No one has been able to explain where my money went and why is not returned to my account. [ {$2600.00} from my savings ] and [ {$200.00} ] from my savings which was withdrawn on XX/XX/XXXX. XXXX made a fraud claim on XX/XX/XXXX which was denied on XX/XX/XXXX and I never received my funds back into my account. XXXX has since attempted to help me get the bank to return the money into my account. On XX/XX/XXXX XXXX  sent me a letter that XXXX XXXX 's claim was denied. He requested for the denial letter to be sent to me as proof to show to Wells Fargo in an effort to get Wells Fargo to put back the funds into my account. I have attached the letter I gave to Wells Fargo. They have sent me on a goose chase and have not done their job in finding out where my money went since it was not returned to my account.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to Navient ( my student loan holder ). 
My application was received and accepted by Navient and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. Navient still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. Navient also notified me my application was approved, would be dismissed and removed from my credit report.
Consumer complaint received 2018-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DE)

After having this home equity for almost 14 years, they have sent me a notice advising me that my hazard insurance on the home expired in XX/XX/2018 and I have to provide proof of hazard insurance or they will buy insurance for me and bill me the cost of the insurance. Not only do I have hazard insurance and have had it the entire life of my mortgage but it doesn't even renew in XXXX. My home insurance has never lapsed or expired and I have mailed them a copy of my declarations page from my insurance company and I have called them several times to advise them I have hazard insurance have always had it. They have never requested this before and I have never been threatened with forcing my to pay for insurance I don't need or want. They advised me that they never verified it the past 13 years because they had a different computer system that didn't track this information but now they need it. I have sent them the declaration page like they requested and they have no right to purchase and bill me for insurance that I didn't request. They keep sending me notices threatening me saying their records show the hazard insurance expired, how could that be when then never had record of it or who my insurance is for my primary mortgage.
Consumer complaint received 2023-02-13
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. (PA)

XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2017 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  # 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 an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (IL)

I was involved in minor accident last year in XXXX my insurance company denied my insurance so the other deiver 's insurance company given that right to debt collecting agency to collect the damage of that vehicle of their client so I asked them for estimate of damage they send me the esitame and that was almost {$1800.00} I doubted that because that damage was very little few scratches so i reported that incident to state insurance commission they send me the file of whole claim and what I noticed that the pictures of car they used to make estimate was totally different an accident I was involved that car was XXXX XXXX and they used the car XXXX XXXX to made wrong estimate in between all those time they kept call me pay us withing this time limit otherwise we will report you to secretary of state and get your license suspended.so I called the insurance company they were representing that you provided the wrong facts and I told them I am not gon na pay the amount you are showing in the estimate because you provide the wrong facts so they start making settlement that ok pay {$500.00} to the debt collecting agnegy that representing us I was so overwhelmed because they keep threatening me to get my driving license suspended and I was tired of all those phone calls and Mails.so I paid them {$500.00} online through credit card they told me we will mail you payment receipt in a week its been 2 month I have not received my payment receipt I called them last week they denied to give me my payment receipt in the meantime once I paid them after a week I received a letter from the insurance company that represented by this debt collecting agency that we are sorry that debt collecting agency sent a wrong images and they use wrong vehicle for making estimate and when I debt collecting agency about my receipt last week and they didn't have any record of the car that was involved In accident still they were asking me that you were involved in accident with XXXX XXXX and that's not true.so in this case what I feel that they misrepresented the information yo collect wrong amount from me because my insurance company already denied claim so they knew that we are collecting damages from an individual so how that individual is gon na investigate all those stuff but the luckily I reported that to state insurance commission and I caught them misrepresenting the information. Please help me to take an appropriate action against them Thank you
Consumer complaint received 2022-12-03
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: EGL US, LLC (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: Exeter Finance, LLC. (TX)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I recently obtained my credit report that was not reported accurately. the consumer reporting agencies need to report all info with complete accuracy. According to the IRS when an account is charged off, it becomes income. I requested proof but haven't received anything. It has a balance of 0 and shows closed and the dispute says deleted but still shows on my report. I'm requesting that this account be updated and deleted from my report because of its inaccuracy. if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and remove this. It is showing as closed but its also showing as an inquiry and will fall off in XXXX XXXXThis also shows the last status update was in XX/XX/XXXX but Experian is XXXX that is charged off as of XX/XX/XXXX. This account should be deleted for the inaccuracy that is reported.
Consumer complaint received 2018-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Management Solutions, LLC (MD)

Received a letter on XX/XX/2016 from XXXX XXXX XXXX XXXX stating that I owe {$1300.00} for new carpet from an apartment that I had moved out of. At no point, was I ever given an opportunity to settle or dispute this amount prior to going into collections. I wrote a letter to XXXX  XXXX on XX/XX/2016 requesting a summary of charges for the damages or receipts and they could not produce. I have no proof that these charges are valid. Now this dept is entered as a collections on all 3 of my credit reports.
Consumer complaint received 2018-08-12
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: EQUIFAX, INC. (MI)

Dear Sir, I have closed my individual XXXX credit card on XX/XX/2018 by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the Equifax credit report since XX/XX/2018. I have communicated to Equifax about this card, right name and address along with various details. I have also communicated to XXXX Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. XXXX has responded to me and CFPB that XXXX credit has been paid and closed with XXXX balance on XX/XX/2018 and also XXXX has communicated to all the credit bureau that my credit card is closed on XX/XX/2018 but this information is missing in the Equifax Credit Report. I have only used XXXX credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from XXXX. 
Could CFPB kindly direct Equifax/XXXX to update my closed XXXX  credit card details in my credit report, which has been missing since XXXX. My closed individual XXXX credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (FL)

I DIDNT AUTHORIZE ANY OF THE BELOW INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

Debit of phone bill was made via autopay for my small business. I closed my business and called XXXX XXXX XXXX to terminate my account. I called multiple numbers and spoke to multiple people telling them I wanted to close my account. XXXX XXXX XXXX kept billing me for several months after so I called my bank an revoked authorization. They continued to bill me and then sent me to collections. They collection agency continues to pursue this debt and I continue to dispute it multiple times. It has been close to 3 years now. The recently reported it for a 3rd or 4th time on my credit report. I am sick of having my credit report dinged every three months and then having to dispute it. Finally, I just paid the amount owed so they would go away and they filed against my credit report again after I paid.