davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

I Consumer XXXX XXXX, Sent a notice of billing error pursuant to 12 CFR 1026.13 to Ally Financial to their financial Disputes, address that is listed on their website at Ally Financial INC. XXXX XXXX XXXX XXXX, MN XXXX. On XX/XX/2021 I have noticed several billing errors in the truth in lending disclosure section of the " Retail Installment Contract and Security agreement ''. The first one being the number of payments as well as the number of payments seems to be inaccurate on the payment schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure as defined as " A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation Z, which is applied in whole or substantial part, to purchase of goods or services from the seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under Regulation Z also known as the truth in lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. '' The next Billing error is the downpayment on the itemization of the amount financed. The {$3000.00} downpayment placed under section f which refers to net trade in is a violation of 7 CFR 1436.10 ( c ). The downpayment may not include any trade in, discount, rebate, credit, deferred payment, post dated check, or promissory not to the supplier or contractor. The next Billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney in fact by the consumer to receive any credit on the consumer behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors are assumed to be a willful intent to mislead me the consumer and or to deceive me the consumer of the character/ amount of the alleged debt pursuant to 15 USC 1692e. All obligations and securities are owed to the United States Pursuant to 18 USC 8. DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

I wanted to rent a house from XXXX XXXX XXXX XXXX with a move in date of XX/XX/2022. The address of which is XXXX XXXX XXXX XXXX NC. 
On XX/XX/2022 my application was verbally approved over the phone and they emailed me a link to pay the first month 's rent of the advertised {$1600.00}. 
I followed the email link to their website where it requested me to pay the first month of rent where I paid {$1600.00} by checking account. 
A few hours after paying I received an email link to review the lease in my email. The lease was around 40 pages long and very aggressive towards tenants rights. The monthly payment amount was higher than the advertised amount due to administrative fees and ongoing maintenance fees along with move-in and move out fees and lease preparation fees. 

The total amount for the yearly term would have been much more than they advertised so I declined to sign the lease. Beginning XX/XX/2022 I've made several phone calls to their office to request a refund since I never entered into a contract with them. 
They stated the amount I paid is non-refundable which I was never notified of. 
I also received an application denial notice in my email from them. 

I contacted my bank, Wells Fargo, on XX/XX/2022 to submit a claim and after a few days the claim was denied. Wells Fargo will not assist me in returning my money from the vendor which I feel was deceiving and scammed me. 

This is my attempt to get a refund before filing a claim in small claims court against XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

We're in the process of refinancing our primary residence, but it's on hold because we're unable to get my credit score w/ Experian. I have my credit rating w/ XXXX XXXX XXXX XXXX But Experian is stating I have too little credit history to rate me therefore not scorable, but why XXXX XXXX XXXX are able to? We are updated w/ our XXXX mortgages under joint account w/ my wife with XXXX XXXX  XXXX XXXX XXXX. ( just FYI ). I'd attempted several times to talk to a live person but no specialist was available according to their automated answering service. I attempted to file my complaint w/ them online but it's marking unable to take it, so I left it on their website anyway. I've been trying to contact them for several days hoping I could talk to anyone there or at least file my complaints to no avail, hence, I resorted to this. Earlier today they're responding to me by urging me to enhance (? ) /boost my credit by putting an order w/ my credit card. I can't even request for my credit report w/o my credit card. I thought it's free w/o string attached. I need them to unfreeze my credit score ASAP, pls. Any further delay will cost us much if we miss out the low interest rate offered now.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

To Whom it May Concern : In XX/XX/XXXX I leased a vehicle through XXXX for a XXXX term. At the end of the term in XX/XX/XXXX, I returned the vehicle to the dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received my paperwork that nothing further was owed. 

Several months later I received a letter from XXXX that my lease was up and to return the vehicle. I was surprised and VERY concerned, because the vehicle was returned by the lease end date. When I called XXXX, I was advised that ( to the best of my recollection ) an employee had committed fraud on the company and the vehicle was entered into the database as not returned. I was advised, again this was approximately XX/XX/XXXX, that the matter would be taken care of. 

Fast forward to just recently when I pulled my credit reports, and to my shock the XXXX account is still reporting as Open with a monthly payment of {$480.00}, and a {$5600.00} balance ( see attachment. ) It is also reporting derogatory as a chargeoff, and " Comments '' are misleading, at best. While one comment states " balance owing '', another comments states " ... ENTIRE PAYMENT SCHEDULE COMPLETED FOR TERMS OF AGREEMENT. '' The fact that this account is reporting as Open with a balance and high monthly payment is going directly to my Debt to Income. That coupled with the fact that it is also reporting derogatory as a Chargeoff is causing me to be denied credit and has cost me thousands over the years in high interest rates. I am demanding that XXXX take care of this matter IMMEDIATELY.
Consumer complaint received 2022-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

this is my XXXX time writing to CFPB, you contacted experian and they didnt fix the problem, I have XXXX incorrect negative information on my experian report. I submited more than XXXX disputes in the past to remove those XXXX negative items and still they didnt remove it and all the accounts have incorrect information, wrong address, wrong amount
Consumer complaint received 2022-02-11
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. (VA)

I have inquiries that I didn't authorize and don't recognize. I called the reporting agencies who and they are saying I need to file a dispute with CFPB. I am doing so no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian 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 2022-02-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

I talked to Monterey Financial today about a debt I have with a timeshare maintenance fees for a XXXX XXXX XXXX XXXX. I have not seen written communication about this or had the ability to dispute this. 

I called them back today XXXX. 
They said the amount was {$5700.00} and this showed up on my credit report today via XXXX XXXX In the call they told me, my credit will continue to be impacted. They advised I open a credit card to pay this off. XXXX said I can't settle or pay them directly but Monterey said XXXX owns the debt and they can't settle. It seems they are in cahoots and taking advantage of me.
Consumer complaint received 2022-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (DE)

PROF DEBT ( XXXX AT XXXX XXXX  ) CURRENTLY VIOLATING MANY OF MY FCRA & FDCPA RIGHTS!!! THE ARE UNLAWFULLY REPORTING A ACCOUNT WITH MANY VIOLATIONS KNOWINGLY TO MY CONSUMER CREDIT REPORT WITH MANY VIOLATIONS & INACCURACIES!!! 
I WILL PROCEED WITH LEGAL ACTION & REQUEST COMPENSATION FOR EVERY SINGLE VIOLATION!
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the report
Consumer complaint received 2022-02-11
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. (NJ)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Venmo wont let me use my account anymore. Whenever I try to pay somebody it gives me a vague error " There was an issue with your payment please try again later '' What originally happened is I had an issue with my bank account where I didn't have enough funds to clear a payment. Since then Venmo won't let me make a payment or delete my bank account. 

Today I tried to make a payment using my newly added chase credit card - denied. 

I tried readding my bank account ending in XXXX and it was also denied from verification. The two trial deposits I entered are XXXX and XXXX. They are now saying " Unable to verify bank account '' and that the two deposits are incorrect. 

Venmo, I am kindly requesting a more detailed explanation as to why my account is locked right now, something beyond your typical " for security purposes '' vague explanation. 

If you do not unblock my account, then consider this my official request to delete ALL my data and information from your databases pursuant to the California Privacy Act. If you won't let me use your services anymore, AND you won't give me an explanation or time line as to when I will be able to use my account anymore, then there is simply no reason for you to keep my information on file. 

Previously I tried to delete my bank account information thru the app, but I noticed your app was designed in a way to not let me easily delete my bank account information. I had to call in and wait on hold for a very long time before a representative was able to delete it. 

No reasonable person would find this behavior acceptable. Venmo, please provide a thorough explanation as to what is going on with my account and do not hide under the blanket excuse of security. 

Thank you
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have a loan through XXXX XXXX with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, XXXX, and EX are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION (OR)

I received my credit card statement on XX/XX/XXXX and it had a fraudulent charge that I did not make. My card had a zero balance prior to this charge & I had not used the card in quite some time. I contacted Union Bank immediately & reported the the fraudulent charge. Their customer service center told me they would take care of it they closed my account and issued a new card with a new number. A month later I got my next statement and the fraudulent charge was still on my account plus I had been charged late fees and interest charges. I called Union bank again on XX/XX/XXXX - the customer service rep I spoke to told me she saw the record of my prior call but the person I spoke to didn't flag the charge as fraud like she was supposed to. The rep I spoke to on XX/XX/XXXX flagged the fraudulent charge as a fraud charge and credited the late fee and interest charged on my XXXX statement. A few days later I started getting collection calls from Union bank. I called again on XX/XX/XXXX and spoke to the collection dept. The collection agent said she would take care of it. The collection calls stopped after that but I am still receiving collection letters regarding the past due balance ( late fees & interest that they keep charging me because of the fraudulent charge they wont take care of ). I called again on XX/XX/XXXX and spoke to the collection dept ( my calls are automatically routed to them when I call ). They are the only dept that speaks clear english. The collection agent apologized and said she understood my frustration but the customer service department was the only department that could help me so she transferred me over to them again. The customer service center is outsourced to another country. I have a hard time understanding them & they are not doing anything to resolve this matter even though they tell me they will take care of it every time I call. I dont know what else to do at this point because I cant speak to anyone who is willing to actually fix this issue. When I spoke to them on XX/XX/XXXX I told them I want to get this resolved & I want to close my account. I have never had such horrible service from a bank in my life & will never do business with them again. I hope you can assist me with resolving this matter and getting my account closed to prevent this from happening again.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (CO)

Company name first advantage I applied for XXXX in the past and I have been hired the two times first advantage  has reported my background check they have violated the 7 year background reporting and theres a mistake on one of the cases for my suspended license I paid my fine and I never got a misdemeanor I have the paperwork from the courts for my other misdemeanor for XXXX that was 13 years ago its past the limit is in my state with I reside in XXXX I paid my fines and completes classes I have court documents therefore they are not to disclosed anything past the limits the date for that court filling was XX/XX/2008 I had already disputed this with them many times I have worked for XXXX since XXXX was rehired three times and two of those times first advantage has done my background and other companies have also done my background in the state of XXXX  XXXX has done my background for XXXX  and Ive never had an issue. First advantage can not disclosed something I dont have to disclosed because of statue of limitation laws
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mandarich Law Group, LLP (FL)

On XX/XX/2022 Mandarich Law Group contacted a relative of mine which is illegal regarding debt and telling them the amount i owe on it. it is said that they can not contact and tell anyone regarding this matter besides my spouse. I have also sent them a letter on XX/XX/2022 stating that to please to dispute the total amount owed on my account {$4300.00} and more. As well Mandarich Law Group sent me a letter that said " if you write to us by XX/XX/2022 known as XX/XX/2022 we must stop collection on any amount you dispute until we send information that shows you owe the debt. However my credit card limit was {$4000.00} and i nearly spent that much money on it.
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (IL)

In 2019, I unfortunately filed for XXXX XXXX bankruptcy. This was the result of a XXXX  I had, which made me incur more debt load, in addition to an inability to generate savings at that time. I did reaffirm my MORTGAGE ( MRTG ) with US Bank, but was told an internal memo prohibited reporting of MRTGs that have been included in the bankruptcy. This was news to me, as my lawyer assured me it would be reported. 

My MRTG is a Federal Housing Administration ( FHA ) loan, so is there any recourse that I have here? I find it a little concerning that a bank drafts an internal memo that the public can not see or is not made aware of, especially when it impacts the customer 's account ( s ). Additionally, I can not access the MRTG payment side of the online banking, which isnt a big deal entirely ; however, it does make my MRTG payment late by 5 or so days since I am forced to transfer the funds from XXXX  or write and deposit a check electronically.