davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OPORTUN FINANCIAL CORPORATION (FL)

I got a loan for {$1100.00} on XX/XX/XXXX. I made XXXX payments. Two payments on XX/XX/XXXX for {$830.00} and {$110.00} and {$110.00} on the XXXX of XXXX. Their system has a glitch and took a full payment of {$110.00} even though I only owed {$100.00}. I called them 3 times. The last person I spoke to said they would take up to 8 weeks to refund me. I spoke to XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2022-03-25
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit, Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Volkswagen credit Inc 

All says I owe a debt that I dont owe 15 usc 1681 B
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

On or about XX/XX/XXXX I responded to an e-mail from Rushmore Mortgage saying " I may be eligible for re-financing '' on the mortgage they currently provide to me at my primary address. On or about XX/XX/XXXX I got a call from XXXX XXXX a Rushmore rep. Between then and XXXX or so we had ongoing e-mail and conversation. On XX/XX/XXXX Mr XXXX confirmed offer of 2.5 % 30 year mortgage with {$2900.00} in closing fees to be rolled into mortgage that would close in XX/XX/XXXX. Since then I have responded to all their onerous info requests promptly ( within 24 hours ) and completely, even though 1 ) Mr XXXX had told me there wouldn't be a lot of info needed from me because they were merely re-writing an existing loan on the same property because I had such " a good track record '' with them 2 ) the info requests for duplicate and triplicate requests for info that had already been provided. On XXXX XXXX Mr XXXX confirmed that my refinancing would be for 30 years@ 2.5 %, costs rolled into loan, and I'd get a {$2000.00} credit (? ) Date TBD. XX/XX/XXXX I became alarmed when I received notice from the homeowner 's insurance company for my weekend house that Rushmore Mortgage had been added to that policy as the mortgagee. Rushmore has no mortgage on that property! Likewise, on XX/XX/XXXX I hear from the homeowner 's carrier on my primary residence telling me she had heard from Rushmore about a mortgage on my primary residence that was scheduled to close that day ( of course I told her it was news to me ) I e-mailed and spoke with Mr XXXX, yet again, about the mortgage status last week. He told me his problems and had no idea of my e-mail about the XXXX XXXX  change or XXXX XXXX  XXXX call. I asked for him to get back to me by Monday XX/XX/XXXX with explanation and a closing date. Because I hadn't heard back from Mr XXXX by XX/XX/XXXX, I contacted CFPB and filed a complaint. Because my bill from Rushmore refers to them, of course, and to XXXX XXXX, I said the complaint was with Rushmore. I received their response late last week telling me to contact XXXX XXXX. So, here I am again filing a complaint!
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 my business checking account was debited for {$2100.00} from XXXX XXXX ACH. It was on XX/XX/22 when my bank statement was produced and I reconciled my account to find this issue. We do not use XXXX in any capacity and this ACH debit was in error. Wells Fargo told me because I did not report it within two days, I'm out of luck with them. I'm in the middle of trying to get XXXX to help me but it's impossible as I am not in their system. 
I would like legislation to extend the 2 day dispute period to a minimum of 30 days for businesses. This is a crime and while I can handle {$2000.00}, what if it was {$20000.00} or {$200000.00}? Our businesses need protection.
Consumer complaint received 2021-03-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MI)

There is a NCB account # XXXX on my account ( Original Creditor XXXX XXXX XXXX XXXX ) This account is not mine, this account belongs to my father ( whom we share the same name ) and is joint with my mother and him. 

I have no ties with this account. 
This should not have been disputed to my account. 

Please remove it.
Consumer complaint received 2022-03-25
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-25
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Due to bad service in XXXX I closed all my Bank accounts with XXXX XXXX XXXX. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate XXXX XXXX XXXX credit cards in XX/XX/2020 : A personal XXXX XXXX credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a XXXX employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under XXXX accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against XXXX accommodation program and Terms and Conditions for credit cards in their accommodation program. XXXX Credit Card Terms & Conditions for Covid accommodations. I am reporting XXXX XXXX had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to XXXX XXXX and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by XXXX XXXX in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by XXXX XXXX decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by XXXX XXXX I paid off all my XXXX credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. XXXX damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I am writing in regards to my account with Citi Cards account # XXXX, the reason for this request is the reporting of late pay reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.
Consumer complaint received 2021-03-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Flandreau Santee Sioux Tribe (CA)

This company has continually for YEARS ( 2017 ) harassed me into paying a loan that I have not received notice or proof that I owe for. They have called my work and my personal phone and threatened with criminal charges for the outstanding loan. When I have asked for proof of debt owed ( I do not have recollection of this loan under my name. I have never done business with Rushmore Financial ) they stated they will send me proof and I never receive it but the calls continue to come. It has been a nightmare and I would just like this resolved.
Consumer complaint received 2022-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

EQUIFAX IS UNREACHABLE BY PHONE WITHIN REASON AND NONE OF THEIR EMPLOYEES WILL ASSIST IN ANY INVESTIGATION OR REMOVAL OF INACCURATE INFORMATION NO MATTER HOW MUCH YOU PROVIDE PROOF OF THEIR INACCURATE REPORTING THEY HANG UP ON YOU AFTER 6 HOURS ON THE PHONE. THEY IGNORE YOUR MAIL, THEY IGNORE LAWSUITS, EQUIFAX IGNORES THE CFPB AND ANY AUTHORITY THEY ARE GOVERNED UNDER. THEY REFUSE TO COOPERATE WITH ANY REQUEST FOR PROPER INVESTIGATION. I HAVE MULTIPLE COMPLAINTS AND DISPUTES UNRESOLVED, AND EQUIFAX PUNISHES ME EVERYTIME I SUBMIT A COMPLAINT BY REMOVING POSITIVE REVOLVING ACCOUNTS AND RE-AGING ACCOUNTS THAT SHOULD BE REMOVED BY LAW
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I mail a letter to XXXX, TransUnion, and XXXX asking validation of XXXX FIN account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. XXXX, TransUnion, and XXXX have been report inaccurate information to my consumer report which have cause a hardship in my obtaining a vehicle.
Consumer complaint received 2022-03-25
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. (CA)

Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT HAS VIOLATED MY RIGHTS.

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 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT BUREAU OF FARMINGTON, INC (NM)

Credit Bureau of Farmington is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt was reporting on my credit file. I have never received any phone calls or any collection letters or notices about this debt and this violates my 30 day right to dispute. Since I was not granted that right and it is now reporting on my credit I ask that they remove this collection from my credit report. Under the FDCPA I have to right to request validation of this debt. I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address but a request for validation. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform your offices that if you continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company I will not hesitate to bring legal action against you for Violation of the Fair Debt Collection Practices act and Defamation of character. I am also aware that while this account is under investigation you must cease all collection activity. IF you fail to respond to this validation request within 30 days from the day received all references to this account must be deleted and removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, XXXX  XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX not sure amount but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : XXXX, XXXX, Trans Union, XXXX XXXX XXXX XXXX  and XXXX, to prevent further fraud. I received no response from my disputes sent to XXXX, Trans Union and XXXX XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from XXXX and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.
Consumer complaint received 2024-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: South Carolina State Housing Finance and Development Authority (AL)

The lender contacted me on Tuesday, XXXX XXXX, 2024. I filed a complaint today on Friday, XXXX XXXX, 2024. In their response, they reported that they had been in contact with me and were sending me a letter. The lender appears to be misrepresenting the truth as there has been no additional contact with me directly since Tuesday, XXXX XXXX, 2024. The mortgage supervisor I spoke with on Tuesday, XXXX XXXX, 2024 stated that her superior was gone for the day and that she would just send me a letter. Once the complaint was filed, the lender responded that they were working on the matter. Finally, they reported that they had been in contact with me and were sending a detailed letter. There was no additional action taken today beyond what had already been done on Tuesday.
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I mail a letter to Experian, XXXX, and XXXX asking validation of XXXX FIN account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Experian, XXXX, and XXXX have been report inaccurate information to my consumer report which have cause a hardship in my obtaining a vehicle.
Consumer complaint received 2022-03-25
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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX is a infinity on my report that I never purchased. I disputed it with XXXX. XXXX is claiming that this infinity is mine I dont believe they did any investigation like check what bank was getting the payment who is the insurance carrier.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery Associate LLC Served to me a Lawsuit XX/XX/XXXX with someone to knocked on my door I tried to negotiate whit the PRA and they have refused PRA have a legal representative XXXX XXXX XXXX that physical address is false ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX ) and the phone number not answer anyone. 
I think they have tried to intimidate me.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sending this letter to advise that there is information on my credit report that is wrong and that needs to be address and under the 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES ( from here on referred to as FCRA ).

The first thing that needs to be addressed is the personal information listed on my reports. I have never lived at any of the addresses, and they MUST be removed as they are a part of the fraud accounts and under the FCRA they are to be removed and blocked from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to address the account XXXX are FRAUD on my credit report as I have never opened the accounts nor have, I allowed anyone to open the accounts in my name. I have not gained any benefits from the accounts being open. Under section 1681c2. Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. The following accounts are to be removed and blocked from my credit report indefinitely due to Identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-03
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. (IL)

Asked Experian and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from XXXX. Also I never received responses with updated credit reports