davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit, Inc (PA)

On XX/XX/2020 I went to XXXX XXXX ( XXXX, VA ). I had an online reservation for a vehicle as well as a commitment for a trade-in price. Went to the dealership and decided to upgrade to the next highest model of the XXXX  XXXX. It was priced at XXXX. There was a promotional deal for 0 % financing. Between my trade in for XXXX, XXXX cash payment that brought the price of the vehicle down to XXXX for financing. The salesman told me since I qualified for 0 % financing the price of the vehicle now went up to XXXX. I refused the deal outright and got ready to leave. He went back to talk to the manager and came back with the XXXX price and 0 % financing. I asked for the written copy of the deal and was told I could not have a written copy. It was not allowed. But, he said, the good news was all my requests were honored and now I could buy the vehicle. We waited an additional 1/2 hour for the paperwork to be drawn up except it was not paperwork. It was a desk sized tablet in which the finance guy whisked us through the signing process. We were given a zip drive with the document and nothing written. When I received my first loan payment coupon I was shocked to see the balance of the loan was XXXX. That means they did not deduct my cash payment or trade-in value. No. The problem was the raised the price of the vehicle to XXXX in the loan documents and I had no idea they did this. They fraudently raised the price of the vehicle, rushed me through the signing process and out the door with no written documents or way to check for accuracy. They essentailly stole my trade-in and XXXX ash deposit. I trusted they would stick to their word on the verbal deal we made. My husband and daughter were both witnesses to the verbal deal. I have tried to contact the dealership for 2 days ( I am out of state and can not get there easily ). I have received no call back from the finance director. I have reached out to the VW complaint bureau and was given a number to call which I have been unable to reach a live person. I want this loan re-written for XXXX that would reflect the agreed upon sale price of XXXX. In a side note this same vehicle is now offered on their web site for XXXX. So it is price gouging to begin with and then a fraudulent loan and sales tactics on top of it.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

I called Regions Bank on a weekend after looking at my account. I noticed two charges on a account XXXX This account has never been accessed. There were two duplicate charges on XX/XX/2023. One of the charges was removed. I inquired about the other discrepancies. The gentleman left the line briefly. Once he returned, he told me it was due to fraudulent activity. He also said one of the charges was recovered on XX/XX/2023. I asked why both charges were not removed? He stated, he did not know. He also stated, the other one should be removed within a day or two. This possibly due to the fraudulent activity. I later made a claim after ten business days. I was told to allow five more business days. I waited those days. I received a letter dated XX/XX/2023. It said the investigation was completed. The merchant posted a credit XXXX. I stated to everyone there were duplicate transactions XXXX! There was a phone number XXXX XXXX to call. Once I hold on the line, no one answers.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (CA)

Ally Financial company, The company reported me to the credit Bureau for Delinquent over 30 days missing payment. In fact that is not true I do have all the valid information on record from the company stated that no payment required for the month I was reported as missing payment. I have had contacted the company to address the issue with them, they didn't professionally handle the matter in the right ethical business manner.

I do have all the calls recorded every day, and still did not reach someone that can help me to correct the issue. I'm reporting this company for the bad business practices and the Ethics.

All supporting documents are available upon request. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (NC)

Debt placed for collection on  XXXX / XXXX /  XXXX  . After multiple attempts to verify debt, nothing was ever sent or reported to me. I have also discovered this company is NOT licensed to collect debts in the state of North Carolina as required.
Consumer complaint received 2022-11-16
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. (MA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
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. (CA)

I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied International Credit Corp., (US) (CA)

On XX/XX/2020, I received a Collection letter from AIC - XXXX XXXX XXXX XXXX demanding payment for {$260.00} for an overdue XXXX payment. I have never had an XXXX  account and the demand is fraudulent. After researching the company I've found that they have been sending these fraudulent XXXX demand letters to many seniors in the state of california and throughout the US. This demand letter was sent to my 2nd address at XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX Ca. XXXX ) where I recently ordered contact lenses on line - so the personal info is probably shared from another consumer site. I have reported this to XXXX  ( on line ), to the Federal Trade Commission Fraud division and to the Atty General in the state of California. There are several complaints of fraudulent attempts to collect money by this company on the ebay site but ebay has not addressed the issue. I would like this company to be fined, prosecuted to the fullest extent of the law and prohibited from sending fraudulent demand letters. They also have a Pennsylvania address at : XXXX XXXX XXXX, XXXX XXXX XXXX, but no web presence.
Consumer complaint received 2020-11-18
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. (PA)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (PA)

Hello, and I hope all is well. Thank you for taking the time to review the complaint. XXXX, XXXX assist with the purchase of a XXXX XXXX XXXX used for XXXX. The total amount of Finance {>= $1,000,000} included a co-signer, XXXX XXXX. Payments are {$210.00} for seventy-two months. Many violations occurred during the time of purchase. Questioning the entire purchase. 
According to the Comptroller of Currency, Santander Consumer ServicesXXXX violated a series of occurrences. Unfair Deceptive Abusive Act Practices. In XXXX, a series of late payments occurred. A credi-risk allowed her credit score to become compromised and decrease her creditworthiness.

Strategic Risk occurred when operations extended a line to purchase a vehicle with a co-signerthe APR 16 % with a time frame of 72 months. With the Resilience score, not an acceptable rate for financing, the co-signer resilience score was more compromised.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In complaint against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX states : XXXX. With the encouragement of federal and state authoritites, on or about XX/XX/2020 I applied to XXXX for mortgage forebearance and associated accomodations for a period of three month due to a C0-Vid financial hardship. 
2, In response, XXXX agreed to make an accomodation with me to forbear from the collection of any payment for XXXX, XXXX and XX/XX/2020. 
3. XXXX further agreed to accept double payments for XXXX, XXXX and XXXX, 2020 being automatically withdrawn from our checking account on the XXXX of these months in lieu of the normal deadline of the XXXX of each month. 
4. Nevertheless, in direct violation of the agreement, XXXX reported me as deliquent in my paymentsfor XXXX and XXXX despite my timely payments. 
Negligent reports were made to Trans Union credit rating agency.
Consumer complaint received 2020-11-17
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: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB CARD SERVICES add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I am disputing the following item with Wells Fargo : Account information : The account above is being reported to the three major Credit Bureaus ( XXXX, XXXX  and XXXX  ). 

I already tried to fix this issue with the company. They have ignored me and I don't know what else to do. They are being unfair and negligent! I want a fair solution to this issue as soon as possible. I have been through emotional stress. 

I am a victim of fraud charges. My personal information was compromised and as a result fraudulent charges were included in my reports. I did not authorize ; neither did I benefit anything from these FRAUDULENT CHARGES that were included in my report. With this complaint, I want to demand this item to be removed from my records asap. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings on this account related to fraud. 

Please send the attached documents that I already sent to Wells Fargo. 

Thank you.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

Due to COVID we've incurred additional expenses and infected with COVID. We applied for the forbearance program allowed under the FHFA for relief of payments for GSE loans, we have a conventional 30 year fixed XXXX loan. On XX/XX/2020 the XXXX released new repayment options for homeowners in forbearance, reinstate your payment and the deferred amount will be added to the current loan. Repayment will trigger if the consumer refi 's or sells the home. Every letter and communication I received from Quick states I need to refi, pay a lump some, apply for loan modification or foreclosure. This is misleading, Quicken is pushing me to an option that generates fee income and falls under predatory lending by offering products that incurs fees and benefits Quicken not me.
Consumer complaint received 2020-11-17
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: OneMain Finance Corporation (PA)

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XXXX and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX.
Consumer complaint received 2017-06-15
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. (IL)

Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile.      1st  request sent certified mail  XXXX / XXXX /   17  ; response was " ve rified '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original credito  rs documentation to verify if this information is mine and is correct.   * These negative records are also listed on my report as duplicate record s (   XXXX  times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

I've continually called and written about simply wanted my loan payoff from a loan I have paid off. I want to make sure they paid me the correct escrow refund. They keep saying they'll email it and we've had multiple emails and no one ever sends it.
Consumer complaint received 2020-10-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/2018 I was trying to get ahead on a monthly recalculating mortgage. I realized that is impossible. During the process a payment check of mine was cashed by Mr. Cooper. The payment was originally applied to my mortgage. Then it was reversed. Then the payment went to unapplied funds and then it disappeared altogether. 
I contacted Mr. Cooper right away. For 2 years I have been trying to fix this with Mr. Cooper to no avail. I have called and written, originally through the RESPA requirements. I got nowhere with that. I am now reaching out to CFPB to see if you can help me. I need to have the lost payment applied as of XXXX of 2018 and ALL subsequent payments recalculated to bring my mortgage balance down to where it should be. I have been overcharged on my mortgage interest and have carried an incorrect balance for 2 years. Also, I did print out a computer generated payment history which has all transactions numbered. The numbers I have are 1-185. There are several missing entries. One of the missing entries is at the time of this missing payment. Can CFPB help me? I am a senior. Thank you, XXXX XXXX
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CT)

I have asked numerous time for this account to be verify as required by the FCRA COMPLIANCE TO BE MY RESPOSIBILITY /OR TO BE MY DEBT. I have challenge this company numerous time to provided me with prove as its the law in numerous occasion to this being my account with no success I have file disputed thru the credit Bureau Experian XXXX XXXX XXXX which the credits Bureau has fail to provide me as the consumer validation of this being my account as requested by the FCRA as well as XXXX XXXX/XXXX # XXXX XXXX I'M DEMANDING FOR THE XXXX XXXX/XXXX TO DELETED THIS ACCOUNT IMMEDIATELY AS THIS COMPANY HAS FAILED TO VERIFY ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 609 ( A ) ( 1 ) ( A ) YOU ARE REQUIERED TO VERIFY -- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT OR DELETED ACCOUNT.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Filed a complaint on XX/XX/20. Company replied XX/XX/20 stating they've completed investigation but could not authenticate my identity. They have my dispute and they have my consumer number. When I filed this complaint through CFPB, it asked for my date of birth to send to this company. Not sure how this company is unable to " authenticate '' my identity. This is just another one of their stall tactics that can be brought up in the courts and fined. I sent an email over to the company at the email address stated in the response letter they sent  me this morning on XX/XX/20 and provided all of the requested documents. I have still not received the telephone number nor the name of the person who allegedly verified this information. I have also been waiting for a return phone call that all of these representatives keep saying it will take 48 hours for a call back and i have not yet to speak with authoritative figure in this company and it's been a week since the request. They will not transfer you to a higher up entity. It is now 19 days past the allotted time and I still have no information.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

my information was misused and has caused harm to me and my report setting me back in a major way because Equifax agency has not been 100 % I sent along attachments on the violation they are breaking.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2020 I opened up a XXXX credit card and made a purchase of {$1900.00}. The point of me opening up this credit card was to receive the 0 % financing over 18 months that the card offered on purchases of over {$1400.00}. Later I came to realize that from the beginning they charged me interest on my purchase. When I brought this to there attention they told me that too much time has passed and they cant refund the interest they charged me and continue to charge me interest.