davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my serious concern regarding the inaccuracies on my credit report, specifically the disputed accounts that have not been corrected despite my repeated efforts to bring them to your attention. I have submitted multiple requests for a thorough investigation into these errors, but I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts has caused significant damage to my credit file, adversely impacting my ability to manage my finances and creating unnecessary hardships in my personal and professional life. These inaccuracies are not only misleading but also unfairly impairing my creditworthiness. 

I kindly urge you to conduct an immediate and thorough investigation into each of the disputed accounts and take all necessary steps to ensure that my credit report is corrected. It is critical that these errors are addressed promptly to restore the accuracy and integrity of my credit profile. 

I sincerely hope you will prioritize this matter and take swift action to resolve it. I trust that your cooperation and support will help me regain control over my financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at the earliest possible date.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plat as late for any purpose.
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (WA)

My wife received a phone call from the number I have linked to XXXX XXXX XXXX. They asked if they had reached me. My wife said no. 

He continued by stating that " this phone call is being recorded and was an attempt to collect a debt for Best Buy. '' I know this is regarding my credit card debt with the store 's credit card, but it 's my business and legally not anyone else 's. 

According to the Consumer Financial Protection Bureau and the Federal Trade Commission, this is a clear violation of my rights and I want their case dropped because they should not share any of my personal information with other people.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX credit card on my report is not mine. The account is my ex-husband 's and I had no legal responsibility to this credit card. He has paid the credit card with a agreed upon settlement amount however this card is showing on my credit report. I have made several unsuccessful attempts to resolve this, XXXX has repeatedly told me that I am not responsible but wo n't provide me with a letter or promise to remove the negative info. They state that they are not trying to collect the debt from me and it is a closed matter, however it is reflecting negatively on my report. Please help me resolve this matter.
Consumer complaint received 2016-11-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

My car was repossessed in XXXX 2016. When I called Ally to find out how much it would cost to have the car returned to me, I was told that it would cost {$1500.00}, and specifically told that this included the XXXX payment, and applied as follows : XXXX thru XXXX payment - $ XXXX XXXX payment 377.81+ Late fee XXXX {$1500.00}. Ally now says that I 'm late on my XXXX payment because they applied {$400.00} to the Redemption Center. I 'm complaining because it was never disclosed to me about the Redemption Center fee, and because I did not follow the instructions to have the money wired to them, but rather mailed a cashier 's check instead to the usual payment location, instead of to the Redemption Center.
Consumer complaint received 2015-09-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (LA)

We purchased a XXXX Toyota Corolla in XXXX of 2015. We did deferred payments for our down payment through the dealership. After having the vehicle for 6 months and making payments on it, we accidentally paid {$160.00} too little on one payment. We spoke with the finance company ( Santandar ) and they set up an arrangement for the {$160.00} payment. Before the payment was drafted, Santandar contacted the dealership and told them that the loan was null and void because of the partial late payment. The dealership contacted us and told us what they said and that we needed to bring the car back. I contacted Santandar and they told me that the loan was null and void because the dealership allowed us to do a deferred down payment. They told me that it was n't a big deal and that the dealership had to buy the car back from them and then resubmit the paperwork and that the loan would be refinanced. They also advised me not to make any payments on the vehicle until the new loan was processed. About 3 weeks later, they had my car repossessed for non-payment. At this time the partial payment was late and the XX/XX/XXXX payment was late because I was told not to make those payments. After 1 month of fighting with Santandar, the dealership was finally able to buy the car back after being assured that we would be refinanced with Santandar. Santander received the check from the dealership and held it for over a week. They finally cashed the check and said that the dealership could pick the car up. The dealership submitted all of the paperwork to Santandar to re-do the loan and now they are refusing to refinance us. They are claiming that we were {$2100.00} behind in payments, but we were not. They are also refusing to give us our down payment or the payments that we made back even though they told us and the dealership that they would do so since the loan was " unwound ''. Now we are out of {$5000.00} and a car and Santandar said that it is our fault because we were not making payments. When I told them that I did what their agent told me to do they told me that they were sorry for the misinformation, but the repossession still stood. At this time, we do n't know what to do or how to move forward with this situation.
Consumer complaint received 2022-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc. (MI)

This all began in early XXXX when I received the letter concerning my Mortgage increase. They included my water bill in which I had explained that I had paid and wanted them to review it without out the water bill on my taxes. They requested for me to email them the information in which I had done. I had called 3 times prior to XX/XX/XXXX concerning not receiving my bill. They promised that they sent it, I explained that I was leaving on vacation and wanted to pay my mortgage prior to leaving on the XXXX. Finally they sent me my bill on XX/XX/XXXX. Mind you I was out of town and now my payment was late. When I came back I notice the bill and called right away. We mailed the check out that same day. They stated that there is nothing that they can do as the XXXX was the deadline. I kindly reminded them of all the calls that I had prior and needed for this to be reviewed. I was asked to call back and that they will only waive 1 late fee for the entirety of my loan in which they stated I can ask for this to be reviewed. Mind you I had been waiting now since the beginning of XXXX for them to review my taxes. I asked about this and was told that oh I see the email, but nothing has been done I would need to call back. I have a job! I have spent more time on the phone with the mortgage company than I do my own husband. I called the next day and they never ordered for the review and now it will take another 15 days. So I call on XX/XX/XXXX to make my payment for XXXX as they still had not processed my check from XXXX. They asked for me to cancel the check and call back to make the payment. I call today on XX/XX/XXXX to find out that they applied my XXXX payment to XXXX making me now 2 months late on my mortgage. This is all their issue and I want this all to be rectified and for me to now be compensated for doing their JOB. This has been the worst company that I have ever dealt with!
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OK)

I have contacted Equifax on XXXX occasions asking them to correct the information contained in my report. My XXXX XXXX account was discharged in Chapter XXXX Bankruptcy XXXX XXXX. On my first dispute # XXXX on XXXX/XXXX/XXXX, I submitted my complaint via certified mail and I included my bankruptcy case/file information. The response that I received back was that my account was " verified '' and nothing was changed on my report. I called on XXXX/XXXX/XXXX and spoke to " XXXX '' dispute # XXXX. Again I explained that the account was discharged in bankruptcy and provided the information again. She spent more time on the phone trying to get me to sign up for the Equifax.com for 17 dollars a month, than addressing my dispute.The response to the XXXX complaint was " updated to show Included in bankruptcy ''. My credit file still reflected reported dates nearly 4 years after the bankruptcy discharge. I called again XXXX/XXXX/XXXX and filed a XXXX dispute # XXXX. I explained again to " XXXX '' that this account was discharged in bankruptcy in XXXX XXXX, that no account history should be reflected after discharge, account should have been deleted from credit file in XXXX of XXXX, and that the re-aging of my account is incorrect and unfair. The response to my XXXX dispute was to change the account to " Discharged in Bankruptcy '' and the Date of XXXX Delinquency remains XXXX. I feel that all three of my disputes were not investigated fully and if it had been the information would have been deleted from my credit report.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has refused to send verification of debt, that is n't mine, and they have n't responded to any of my disputes. I have already filed a lawsuit. They have gone against the law by refusing to delete items off of the report that do not belong to me. They had addresses that I had to call and ask them to remove that did n't belong to me. They have literally refused to remove the items off of my report that do not belong to me. I am tired of disputing and have been since XXXX of 2016. I am done trying. I have officially filed suit. The only way that I will withdraw it, is if they remove the items specified in the intent to sue letter. They also refused to remove inquiries off of my report that was removed in the breach earlier this year that they put back on there. Lastly, the only name that should be listed on the report is XXXX XXXX XXXX. That is it.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Santander Consumer USA Holdings Inc. (MI)

I applied for credit through XXXX XXXX, XXXX, MI to purchase a new washer. I was denied. I paid for the washer with my XXXX XXXX. A couple of weeks later, I received XXXX letters from Santandar Consumer USA. XXXX indicated I had been refused credit, the other told me what my limit was. I never received a card or anything further until I received a statement indicating a {$49.00} balance. I called on XX/XX/2015 and spoke with XXXX and was given the run around before I was disconnected. I called back and was told by XXXX who said the {$49.00} is automatically billed for having the card ( what card? ) and I owed this since I opened the account. I explained the situation and after some stressful conversations, was told the account would be closed. The next month I received another Statement showing I owed the {$50.00}. I called again on XX/XX/2015 and spoke to XXXX who indicated that even though I was denied credit through XXXX XXXX, I stilled owed the fee because XXXX had picked up the account on their own. I only applied through XXXX XXXX! I never agreed to have the account " picked up '' by anyone. Again, after more stress and lack of understanding, she assured me the mistake would be corrected within XXXX business days. I received another statement. This time for {$51.00}. On XX/XX/2015 I called and asked for a Manager. This time I spoke to XXXX. She indicated she would " make sure it is taken care of today. '' She was going to send it to the appropriate department to get it done. Well, I have just received another Statement for the {$49.00} and interest.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

When I bought my house in XXXX my lender was XXXX XXXX for {$60000.00} before I made my first payment my mortgage was sold to XXXX XXXX XXXX .I never got a certificate of satisfaction from XXXX . After a few yrs. I found out that XXXX was purchased by Wells Fargo Bank I tried again to get a certificate from Wells Fargo with no response. That was in XX/XX/XXXX and again I 'm at their mercy because I tried to get a loan and because XXXX is still on my deed i was rejected. In XX/XX/XXXX I paid my house off The final lender was XXXX XXXX XXXX Now that I got no more mortgage payments I would like to get this issue resolved with XXXX to get my title cleared.
Consumer complaint received 2016-01-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services (MD)

I received a call on XXXX/XXXX/15 from phone number ( XXXX ) XXXX I asked that they stop calling me. The caller calls back and threatens me on my voice mail message. the message says Hello XXXX this is XXXX XXXX, and I really don 't appreciate you hanging up on my representative here or myself. He then says your coffee pot better be set to XXXX sharp because you will be getting a phone call every single day. You are set here on my list for XXXX including your family, then I 'll contact your job verify employment and send paper work. The caller is calling from XXXX.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I effected a transfer online of {$3500.00} from my checking to my savings account. Wells Fargo took the funds from my checking but did not place the funds in my savings. When I called customer NO service they said the transaction was pending subject to review and approval!! 
This is just another method of XXXX to steal funds from consumers. 
I transferred funds from my checking to savings. Wells Fargo took the Funds from my checking account but did not place the funds in my savings. When I called they said the transaction was " pending ''. 
So they keep my money and deny me use. If I did that it would be a thief ONLINE TRANSFER REF # XXXX {$3500.00}
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I initiated a dispute with Equifax on XXXX XXXX since then I have initiated a reinvestigation because the outcome of the first investigation stated that they found that the accounts they belong to me so again I disputed as fraud and they 're still saying that they verify the accounts. What account is with XXXX XXXX XXXX yeah the account is with XXXX neither XXXX of these accounts belong to me.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX has inaccurately reported to XXXX and TransUnion Credit agencies that I had a late credit card payment in XXXX of 2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( Transunion and XXXX ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. Transunion released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. Transunion DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. XXXX released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. XXXX then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with XXXX there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2015, I received financing for the purchase of a used vehicle yet to be determined. XXXX XXXX XXXX XXXX ran my credit with my authorization and gave me the go ahead to find a car and they would finance it. I went to XXXX dealers and they both said they would not run my credit unless it was a soft inquiry and it would n't show up on my credit report. I then received XXXX new inquiries on my transuion and XXXX reports, which just showed up when i ran my XXXX report.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX has sent the same letter 2 times to all credit agencies to inform them to take the mortgage off my credit as derogatory. The first letter was sent in XXXX and the second was sent in XXXX. XXXX is the only one that has done this. The others have not and it is hindering us getting another home loan. It has been well over the 90 days they say it can take to fix this. We are now approaching 180 days. XXXX the amount of time they say it could take.ni am fed up with this and want this fixed NOW!!!
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX 2007 my wife and I took a 30 year mortgage against our home from Wells Fargo Bank the loan was originated in an " off site '' office location. My credit was very poor my wife 's credit was very strong the agent advised us to use my income as my wife 's income we questioned this, he said we would be fine it 's done all the time. The interest rate is 7.95 % APR we are struggling financially. We were told by an attorney to reach out to the CFPB for support as he felt he falsified loan application at an offsite location may be something that needs to be addressed