davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
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 (OH)

My wife purchased a car from XXXX XXXX in XXXX OH in XXXX. On XX/XX/XXXX she paid the final balance as we were getting ready to trade it in. We made the trade-in on XX/XX/XXXX to XXXX XXXX also in XXXX OH. We explained to them the situation and that we didn't have the title, but that XXXX XXXX XXXX had said the title would be delivered within 10 business days and they said this was acceptable. On XX/XX/XXXX XXXX contacted us for an update on the title. We still hadn't received it so we reached out to XXXX XXXX XXXX for an update. They did not have one except that the title had not been processed. They said all they can do is submit a request for an update via email. We requested 3 more updates from the period XX/XX/XXXX to XX/XX/XXXX and filed two complaints on the matter. Each and every time we have finished with no resolution, no ability to escalate, and no estimated time for resolution. We are told that the only way customer service can engage with the title department is through email, and they have not received a reply. The only other option given was to file a complaint in writing to the customer service department we are dealing with. Attached is proof of payoff for the record.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NY)

2 finance companies denied my application on XX/XX/2024. one being Synchrony Bank. this cost be 2 hard inquiry on my credit and {$25000.00} dollars. 

the letter i received from Synchrony Bank states a credit score of XXXX. 
they used XXXX XXXX for the credit information. this credit information is incorrect. 
i have a vantage score of XXXX and a XXXX  score of XXXX I have called XXXX, requested what information XXXX provided to the inquiry from Synchrony Bank, specifically what credit score as well ; they could not.

i have filed a separate CFPB complaint for XXXX. 

I called Synchrony Bank and got no answers as well. 
i asked for Synchrony Bank to review with how they derived my denial, they could not. 
they stated " for your privacy we do not have access '' ... but by all accounts it is for plausible deniability ; a way to blame the algorithm. 

there is little insight as to how i was denied the financing. when discuss the matter i expressed i would like to file a complaint with a Synchrony Bank in conjunction with filing with the CFPB, they said there was NO means to do it over the phone, NO means to do it over the internet. that i could only do so by contacting President Chief Executive Officer my PAPER MAIL. 

president chief executive officer XXXX XXXX - synchrony financial XXXX XXXX XXXX XXXX, Florida XXXX all of this is unacceptable. 
they have no means to audit applications, and no realistic means to resolve issues.
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime (OH)

I was sold a vehice by drivetime and XXXX XXXX-upon trying to switch insurance companies I discovered that my car has a salvage title which was not disclosed to me in any of my loan documents and nor does it show in the banks system according to drivertime and XXXX  I have spent over an hour on the phone with both companies and nothing has been offered to me except for an image of my title and they told me to take the matter up with the XXXX. Drivetimes address is XXXX XXXX XXXX XXXX XXXX, XXXX, Az XXXX please help me at this point I feel powerless and they are not helping me.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

Reporting - XXXX XXXX and XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
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. (LA)

I have submitted multiple disputes to Transunion, XX/XX/XXXX andXX/XX/XXXXabout the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (HI)

an amount of {$220.00} was reported to a collection agency and then placed on my credit report. this amount was in dispute amd spoke to the collection agency that it was in dispute because the account was transferred to a different cellular phone company in XX/XX/2020 and they are charging me a bill for the month ofXX/XX/2020. it doesnt make sense. i want this removed from my credit report because i do not owe this amount.
Consumer complaint received 2019-11-24
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. (CA)

I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but EXPERIAN has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
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: Byrider Franchising, LLC (GA)

I need my XXXX title to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX already got paid for ... or I will just put lien on XXXX XXXX whole business XXXX YALL THINK I DONT KW WAT THE XXXX GOING XXXX XXXX XXXX XXXX AND STILL IS EVEN IF I GET CAR BACK JUST TO SHOW HIS XXXX XXXX I CAN JUST LIKE HE DOING IMMA PLAY YALL XXXX BETTER THAN YA XXXX XXXX  ... and doing XXXX XXXX today since XXXX XXXX want to sit up and lie to my XXXX face go XXXX some were which y'all clone XXXX and taking y'all XXXX to court for misleading practices XXXX STOPS WITH ME AND DESE XXXX GAMES WE OUT WITH KIDS AND Y'ALL XXXX WANT TO PLAY GAMES GIVE MY XXXX BACK FOR IT GET REAL UGLY OUT HERE LAST WARNING NOW TRY ME XXXX XXXX XXXX XXXX IN THAT INDIANA OFFICE U CAN BE FOUND for XXXX with my intellegence ...
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I had a debit card with " Cash App, '' who holds a balance in an app on my phone. The card draws funds from that balance. If any problem occurs, you can chat with a robot. If you get frustrated with the robot, who recommends articles that can't help you, they transfer you to someone who does not speak english, and who attempts to delay, frustrate, and deny any assistance. 

You can not call anyone, they always say that you will get an email to solve your problem later. The emails are form letters that never help you or even try to understand what your problem is.
Consumer complaint received 2021-01-05
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I noticed two debits for {$0.00} and {$0.00} from our joint checking account by XXXX that I did not recognize. I then received a letter on XX/XX/2020 that was dated XX/XX/2020 from Synchrony Bank and PayPal Credit stating they received an application for a new account on XX/XX/2020. They stated they could not open the account as they could not verify my identity. I can provide the reference # in the letter from Synchrony Bank and XXXX to identify the correspondence. I called Synchrony Bank on XX/XX/2020 and they confirmed someone used my identity to apply for an account with XXXX. They provided a phone number of XXXX for XXXX and instructed me to call them. I called XXXX and after 15 minutes of being on hold they answered the call. I spoke with an employee named XXXX with ID # XXXX. They told me they had to transfer me to the correct department. They transferred me and no one answered after I stayed on hold for three hours.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (GA)

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 XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-13
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. (TX)

It has come to my attention that XXXX, XXXX and Eqiufax are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (VT)

Despite showing a receipt from the hotel, Cash App is refusing to release a hold for incidentals. The hotel has said they released the funds upon checkout nearly two weeks ago. Still, cash app holds the funds. Moreover, they are refusing to take a receipt from the hotel showing the release. Also, they are refusing to contact the hotel to confirm the hold was released. At this point, cash app has stolen my money.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NJ)

XXXX XXXX, XXXX XXXX, sold an apparent debt to Debt Recovery Solutions. This company neglected to send the bill to the correct address over 7 billing cycles and received returned mail. I was never notified of the purchases on the account nor did they send a bill to the correct address if the purchases were made. 

XXXX XX/XX/2019 was the time the bills were consistently sent to the wrong address. 

I contacted XXXX XXXX to inform them that I never shop at XXXX XXXX and if I did I would have not spent the amount on {$480.00} I asked why they couldnt inform me of the account, purchases and dates of purchase and they couldnt not provide me with this information being they sold it to a debt collector. 

I would like to dispute the charges as it may be fraud.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Good day. Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my XXXX XXXX, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2023-03-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A. (FL)

On XXXX Pollack and Rosen , P.A mailed out a correspondence to my home notifying me that they were the new lead of counsel for an alleged debt owed to XXXX XXXX XXXX XXXX I also received a letter telling me that a judgement has been entered against me and I would need to make an immediate payment. The correspondence also stated that is was a strong possibility I was facing a wage garnishment order. I called the company to advise them that this was an alleged old debt and another collection firm attempting to sue me for this matter. When I asked the representative on the phone how much did I allegedly owe this company. She stated that I owed {$14000.00} which was not what the paper stated. I was then transferred to the wage garnishment department. The gentlemen on the phone was extremely aggressive about the matter. He demanded that I pay {$410.00} a month or else. I advised the representative that I was on a fixed income and could barely pay my bills. The representative said Well i dont know what to tell you. After that call ended I was extremely upset, confused and scared for my life. I am already in the lower income class base and this erroneous debt is going to cost me my entire life.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (OK)

I have NO contracts or business dealings with XXXX. XXXX and credit agencies along with XXXX XXXX who sold my information to XXXX without my knowledge, traded information to discredit my credit report.
Consumer complaint received 2020-08-27
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: EQUIFAX, INC. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon the most, including costumers and potential lenders or employers. 

I would appreciate if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX ' XXXX. If you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX, Maryland XXXX. It will ensure the database has accurate information about me.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Hello, Im reaching out in regards to a XXXX XXXX XXXX ( XXXX  XXXX  ) account on my credit report. Ive been disputing this account since XX/XX/2020. I mailed Experian asking for verifiable proof of the unverified account and I also reached out to XXXX XXXX too about the same thing. Every time I dispute this account Experian came back verified and I never received any documents from XXXX XXXX. I wrote Experian asking how was it verified when no one has provided me proof that account was mine and yet received no response. I sent a no response letter in XXXX and I still havent received a response. I had attached documentations to that letter and sent it certified mail but unfortunately majority of my letters are missing due to the fact that my residence was vandalized. I have found a dispute letter that I sent and other documents. Overall, Im trying to understand how can someone keep reporting information on my account and havent provided me verifiable proof that this account is mine upon request. I have that right to ask. Not only that, I have a collection company writing me about this account but XXXX XXXX  is reporting a balance on this account and did not mention on the credit report that this account has been sold to XXXX XXXX  XXXX. I know this has the be some kind of violation. They have denied my rights to ask for verifiable proof and still reporting inaccurate information. As you can you attached to this letter is them reply to all 3 credit bureaus but neither one of the information is the same. If they come the same same creditor, why are theyre reporting differently?
Consumer complaint received 2021-01-05
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNT LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULEN ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

As of XX/XX/2021, I have requested SPS Financial to debit my XXXX XXXX Account ( XXXX ) for an Escrow ( Taxes and Insurance ) payment of {$900.00}. I am behind on my Escrow payment and am making good on my debt - I want SPS Financial to accept my payments so that they can not somehow sell of my home in the future in a tax sale. Further, I have setup a complete payment of {$2100.00} for XX/XX/2021 so that there will be no partial payments.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$690.00}.