davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I noticed on XX/XX/XXXX that my Bank of America Visa credit card balance had gone from {$9400.00} to {$27000.00} over my credit limit of {$24000.00}. 
I called and reported a fraud dispute which they quickly removed from my account, but now the balance has gone back to {$14000.00}. The only thing they tell me or send to me says that the purchases have been credited by the merchants so Bank of America has removed their credits, but I did not make these purchases. 
Im not getting any call backs from management as I have repeatedly asked for. 
Ive been told that I am not responsible for making payments or late fees, yet these keep being added to my account since XXXX in addition accruing interest charges.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND THERE ARE MANY INACCURACIES.

I WANT THE NEGATIVE ACCOUNTS DELETED FROM MY CREDIT REPORT.

SEE ATTACHED UPLOAD
Consumer complaint received 2023-11-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Brightfunders, LLC (TX)

Began loan process in XXXX with XXXX XXXX AMSW Lending. She didn't lock in the rate. She requested and received all the paperwork required to begin the process. Money was requested and received by ASMW. XXXX failed to inform me of any difficulties with the loan but continued to ask for additional money. There was no communication with her after repeated phone calls, texts, and emails. In XXXX XXXX XXXX took over my application and we basically had to begin the process all over again. Requesting the same paperwork and additional funds from us to close on our house. We submitted the paperwork and funds that were requested. We had to buy down the interest rate because they failed to lock in a lower rate. We were delayed several times on the closing because they asked for more information and more money. When we were finally given a closing date after XXXX on XXXX, XX/XX/XXXX to close on XXXX, XX/XX/XXXX. XXXX paperwork should have been sent 3 days prior to closing and that didn't happen. During the closing process we were informed that our first payment would be due on XX/XX/XXXX, less than 30 days from close. We questioned whether or not there was a mistake and the closing officer ( XXXX XXXX ) asked me to call the loan officer ( XXXX XXXX ) to confirm or correct the information. I placed the call in the presence of the closing agents and I was told by XXXX XXXX that if I wanted the due date changed that I would have to give her an additional {$2100.00}. She went on to say that she knew I couldn't do that because ASMW had taken all the money from our accounts. We had no choice but to sign the paperwork or start the process over again. This company is disreputable and the entire process was done in a unprofessional manner.
Consumer complaint received 2015-10-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

This complaint is against Diversified Consultants. I am not sure why this is reporting on my credit as I 've never had an account with Diversified Consultants as the notes under the account indicate. According to my credit file, the account number starts with XXXX. I have never had a contract with this company for services rendered. At this time, they are saying I owe them almost {$790.00} and yet, I have no idea for what. I have challenged this with the company and XXXX on numerous occasions in the past and as of this date, it is still reporting on my credit. 

This negative item is hindering my ability to move forward to buy my family a new home. There is no reason for this account to be on my credit when it does not belong to me and it has already been proven to not belong to me. By reporting someone else 's account on my credit, my rights as a consumer are being violated and this is why I am bringing my complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

On XX/XX/2023 I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dealer License Number : XXXX I went into dealership to pick up my new vehicle and to trade in my other vehicle went through all the paperwork and numbers and it all looked good. come to find out later after looking at paperwork numbers were changed and moved around to give me a higher payment and in doing so, I also received a higher APR on my auto loan. After reading my loan paperwork and running the numbers I found that the dealership kept {$31000.00} of my {$54000.00} down payment as well as my {$1500.00} Deposit. That being said as you will find in my statement below the dealership has made multiple violations in consumer law and i am requesting that things be made right according to all UCC, USC and CFR codes that have been violated on behalf of me as a consumer. 


As the law of Consumer Credit Transactions states, it is a direct violation of Consumer Law to form a contract without the Sum of all charges which is first violation in my loan as there are undefined charges as in the sum of all charge 's requirement was not met as well as the dealership keeping {$31000.00} in down payment for themselves and not placing on the overall down payment of the vehicle loan. With this being said there are multiple violations according to the Consumer laws in which I as a consumer am supposed to be protected against. That being said per violation of the consumer law I am requesting that I be reimburse the full amount of my down payment as well as {$1000.00} per violation and to keep property as well as my credit be fixed and all or any said delinquent marks be removed and noted.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-11-06
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: Westlake Services, LLC (CA)

Wilshire consumers has inaccurate information on my report. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The paid off amount is not accurate. Monthly payment is inaccurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (MI)

I recently applied for and apartment.I was not told that my credit will be pulled and besides that it doesnt matter about anything on my credit reportI was denied to fake n false information that this company providedThe living WOMAN..Not the public PERSON.Im not your fiction ALL CAPS ORGANIZATION that the STATE OF MICHIGAN CREATEDI come from GOD.So this fraudulent company has incorrect information on my report & refuse to send me the CREDIT REPORT.I am livid and disappointed in these CORPS.Meadowood apartments has no right to DENY me anythingDISCRIMINATION at its finest.I dealt with this company last summer and I sent them over documents showing that the criminal record was liesSo this XXXX corps once again REPORTING FALSE information so LIVING WOMAN THAT IS MY XXXX do move into areas that is nice.This company claims they dont make decisionsHowever they have FALSE INFORMATION ON MY REPORT AND SENDING IT TO THIRD PARTIES WITHOUT WRITTEN CONSENTBoth companies are in DIRECT VIOLATION OF MY PRIVACY AND his cause me some much stress do to DISCRIMINATIONTelling me that my CREDIT REPORT HAS ANY REASON FOR DENIAL.FRAUD and VIOLATING MY CIVIL RIGHTS AND PRIVATE RIGHTS as a SOVEREIGN WOMANNone of your CORPS GOVERN MEI govern myselfSo I am completely over the lies and FRAUD.And telling living women and MEN that we denied sue to a FAKE CREDIT REPORT SCANDALI want this company investigated due to fact they have FALSE INFORMATION ON MY REPORT.And when I asked for my report they denied it unless I give them my PRIVATE INFORMATION
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

I have never ceased the payments on the loan, even during payment pause. I have continued to pay the {$140.00} per month on the payment which is actually {$140.00}. 

I received an email today saying I missed the first payment since the payment pause was lifted. I have digital records showing I have sent the payment consistently throughout the duration of the payment cycle ( for years ) I feel this is a simple problem where payment may be misdirected ( they have changes acct # 's with no notice to me, I see this on their website after todays email ) but can not get in touch with the Aidvantage, they will NOT answer, they have NO email and their chat is a BOT. 

I just want to get this solved and understand where my payments are going. This whole.student loan issue is a mess since they transferred it to Aidvantage without any option. I contacted them and have held for HOURS and not ever picking up. I just want an agent to help me understand this issue,
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I am a federally protected consumer and on XX/XX/2023, I sent a certified letter to Experian in reference to the inaccurate bankruptcy information reported on my consumer report ( see Attachment A-1 & B-1 ). I requested Experian to provide me with who and how they were able to verify this information. Experian only responded via email with dispute results stating that the company reporting the information has certified the information is accurate. The problem with this statement is, bankruptcy courts do not report to the credit bureau as per their official website ( see attachment C ). Anything Experian is reporting is hearsay because they also failed to contact me to verify any information. I would like to know where Experian obtained this information if the bankruptcy court does not report to the credit bureau. Experian, as a consumer reporting agency have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Consumer complaint received 2023-06-22
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. (NC)

I am writing to inform you that I have been a victim of identity theft, and I am seeking your immediate assistance in blocking the account associated with the fraudulent activity. I have attached documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report, to support my claim. In light of the identity theft incident and to prevent further unauthorized access and potential financial loss, I kindly request that you take immediate action to block the account in question. Blocking the account will restrict any further activity or transactions associated with it, ensuring the protection of my personal information and financial well-being. I understand the importance of prompt action in cases of identity theft and the potential consequences if immediate measures are not taken. I trust that your expertise in handling such matters will enable a swift resolution to this issue. Please confirm receipt of this request and provide me with any additional steps or procedures that I need to follow to ensure the account is promptly blocked. I am available to provide any further information or documentation required to support the investigation and resolution of this matter. Thank you for your prompt attention to this urgent matter. I appreciate your cooperation and assistance in safeguarding my financial interests.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

After recently reviewing my credit report I noticed several inconsistencies regarding the account US DEPT OF EDUCATION - XXXX ) in the ( Date Opened : ) & ( Last Reported : ) ( Date Last Active : ) ( Date of Last Payment ) section. Equifax is reporting date XX/XX/XXXX status, XXXX is reporting date XX/XX/XXXX status and XXXX is reporting XX/XX/XXXX dates can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. Account Name :
Consumer complaint received 2017-03-01
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

In XX/XX/XXXX took out a fixed home equity line of credict 0nly to find that the original loan officer no longer worked for first national bank,this was told to me on XX/XX/XXXX when i called  the branch manager, I received disclosure information to only be asked on XX/XX/XXXX to refax,   XX/XX/XXXX tax returns with husbands signature on bottom. Phoned this branch often with calls not returned most of the time  feel like I am a begger by now, I phoned the branch manager and he said that I could finalize the loan on XX/XX/XXXX. I was out of town for the holidays so I did not get back to the branch manager until XX/XX/XXXX only to be told that the loan application  ID number has to be  resubmitted. In late XX/XX/XXXX I was sent another disclosure loan estimate which the interest rate went from 3.89% to 5.05%, I mentioned to the branch manager that he needed to honor the original interest rate because all that transpired it was not my doing. so he resubmitted the loan again to change the interest rate to the original rate and terms . On XX/XX/XXXX, I received a disclosure packet in which the interest rate is the original but the terms are not and the math calculations of this loan does not add up.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XX/XX/XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XX/XX/XXXXXX/XX/year>
Consumer complaint received 2022-01-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

I signed a 36 month lease agreement on XX/XX/XXXX for a new XXXX XXXX XXXX. Near the end of that lease, XX/XX/XXXX, I decided to purchase the vehicle. I followed the instructions as outlined for lease-end purchase on the XXXX XXXX XXXX XXXX XXXX I mailed a personal check for the buyout amount indicated and enclosed a requested odometer reading form with the check. I had not heard anything from them for a couple of weeks, so I called and spoke to someone through their call center. I was informed they had never received the odometer reading form and they could do nothing further until such time that they received it. As I stated above, I had already mailed in a completed paper odometer reading form included with my check on XX/XX/XXXX... ..they cashed the check, so I know they received the form even though they claimed they had not. I completed and uploaded another odometer reading form through their website and sent it in. They assured me it would only take a week to ten days for the check to clear the bank and the paperwork to be completed by their title department. Weeks went by and I heard nothing from them. In the meantime, I received an Illinois tax form for the purchase of the car. I signed it and sent it back. I also faxed the same form to them. Another call to XXXX, and I was assured that all necessary forms and signatures had been received and the title would be released and mailed to me within a week. That was nearly two weeks ago and still nothing. It has been 57 days since I began this process and still no title. I want to sell this car and I am unable to do so as long as they continue to hold the title. I will attach a letter from XXXX acknowledging the date and amount of the purchase. I researched the Web to see if there were other customer complaints about XXXX and I found numerous accounts which read as if I had written them myself. Exact same complaints. Necessitating filing with the XXXX and CFPB in order to secure their titles. Their buyout process is unnecessarily burdensome and protracted. Any other vehicle I have paid off through a lending agency like a bank has provided me with the title within two weeks. I feel helpless. Repeated calls to an offshore call center has gotten me nowhere. There is no phone number listed for their title department. Please help me get my title!!! 


Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Customer Service Dept XXXX
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

Received a letter in the mail from IQ Data International saying that I owed an amount of {$2100.00}. Upon reviewing the letter is called and spoke to an agent saying that I do not owe anything because I moved out a year before. The agent told me that well since you moved out there shouldnt be a reason that youre getting charged. So I asked him what should I do and he suggested a send in an email to the dispute center so XX/XX/XXXX I sent in an email disputing the debt saying that I moved out in XXXX of XXXX and did not renew the lease with my family in XX/XX/XXXX, and also sent them proof of the lease. So 2 weeks passed by and seen that I havent recant update so I called them again in XXXX and spoke to an agent wondering when I was going to get a response and he said it takes up to 4 to 6 weeks and so I decided to explain my situation again and this agent was so rude did not want to listen to what I had to say, and saying that information was correct and said that I did sign the lease when I didnt and just kept going back and forth with me. So now its been a month and half still no update via email or letter. I never had a contract with the debt collector for any debt, they couldnt even provide me with the correct information, the reps are rude and are not willing to resolve the issue.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

After calling into the EQUIFAX service center NUMEROUS times and being disconnected in regards to this subject, NUMEROUS times, I requested that they please remove any and all Fraud Alerts in regards to my credit file per their instructions. 

My contact number has long been outdated and they do not provide any way for me to update it and I can not even talk to my own creditors because of this Alert. 
I asked in writing that they please, remove it as quickly as possible so I may regain positive control with a few of my creditors and get a merchant services account setup for my business. 

I have never been subjected to so much misdirection, erroneous information and lack of customer service in regards to my credit file, from any of the bureaus, as I have with Equifax, making it so difficult to A ) get a hold of someone there and B ) Get anything done in a timely manner. 

Unbelievable they are still allow to access and manipulate. people 's credit file. 
Also, on the business side they have completely misreported my businesses ' credit file by the LACK of reporting my dealings with Vendor but thats a issue for another time. I need them to release my credit fraud alert asap!
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 any purpose