davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" 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 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (GA)

Back in XXXXXXXX XXXX XXXX my car payment of {$1200.00} was taken out of my account for bmw finance. Then days later it was returned back to my account. I called bmw finance to ask why was the amount sent back to my account and the representative stated that they dont show it being put back and that the note for that month was paid. Found out almost a year later that the note for that month was never paid and I had been charged late fees every month for a year. I never received a call, email, physical mail of any sort saying I was late. I paid my note regularly every month not having a clue I was getting charged late fees. Finally was able to get that revolved XXXX of last year. Now I have 17 late payments showing on my credit from this lack of communication. While the whole time I paid my car note on time, not being aware of the late fees.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (PA)

XXXX RESPONSE TO THE SAME COMPLAINT SENT TO XXXX AND XXXX XXXX. Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXXXXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 
DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

My wife open an account with Alphaeon credit card, i use this card twice with no problems, i signed for paperless so I ignore everything, because i didnt see no problems i never checked anything more the payment, thatll, but today they helped me to download the statement and last month my balance was XXXX, i usully pay more that the minimum payment, but today XXXX XXXX XXXX i tried to make my normal payment i found my balance was different i thought something happened or someone else was using my card, i call and they said the promotional of 24 months was end last XX/XX/XXXX, and they increased my debt to XXXX i was devastated when i found out, i tell them i can pay the last promotional money or pay full my balance of XXXX if they take the interest rate down but they refuse to help me, ill pay every month, never late, always on time, i try to be a good customer but no, they refuse to give me the opportunity to just pay my original debt, sorry if my writing is bad Im not a speaking XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Traveled to XXXX XXXX for vacation. Paid with my visa credit card for a drink. Was told it was {$25.00}. The charge ended up over {$660.00} dollars. Filed a dispute with chase and chase rebilled it to my account 3 months later.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

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.

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 informationisinaccurate.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GFS II, LLC (GA)

WITHOUT PREJUDICE XXXX XXXX XXXX AS STATED IN THE CONTRACT THE VEHICLE IS PLEDGED AS COLLATERAL PURSUANT TO FEDERAL RESERVE ACT SECTION16 ( 2 ) IN NO EVENT SHALL SUCH COLLATERAL SECURITY BE LESS THAN THE FEDERAL RESRVE NOTES APPLIED FOR.

IT STATES IN THE FIRST SENTENCE OF MY CONTRACT THAT " THE BUYER, MAY BUY THE VEHICLE BELOW FOR CASH OR ON CREDIT. '' WITH THE RETAIL INSTALLMENT SALE CONTRACT ALSO BEING A CONSUMER CREDIT SALE, I JUSTIFY THAT THE LOAN OR ALLEGED DEBT HAS ALREADY BEEN PREPAID.THE BANK IS THE BOROWER I AM THE CREDITOR! 

IT ALSO STATES " BY SIGNING THIS CONTRACT, YOU CHOOSE TO BUY THE VEHICLE ON CREDIT UNDER THE AGREEMENTS IN THIS CONTRACT '' ... NOT WITH CASH BUT ON CREDIT!!!! 

HERE IN MY CONTRACT IT ALSO READS " NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER '' IT STATES IN MY TILA DISCLOSURE " AMOUNT FINANCED '' THE AMOUNT OF CREDIT PROVIDED TO YOU OR ON YOUR BEHALF. XXXX THE TOTAL AMOUNT OF PAYMENTS BEING XXXX IS IN DIRECT VIOLATION OF FRA SECTION 16 ( 2 ) THE COMPANY GATEWAY FINANCIAL SOLUTIONS HAS COMMITTED MULTIPLE SECURITIES FRAUD AGAINST XXXX XXXX
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

MOHELA engages in call deflection which is what they call their deliberate strategy to make sure it is difficult to speak to a real human being. They design their system to force you to wait on hold for hours before speaking to someone. If you do end up speaking to someone, they often give false and misleading information with no written records of the conversation to prove that you were just following their bad advice.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It has come to my attention that these accounts reporting on my file have inaccuracy in them- and for the past months, I've been making an effort of trying to reach out to your company so that it could get reinvestigated, re-checked and verified whether or not these accounts belong to me or are accurately reporting.
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

I had XXXX as my internet provider but shared a phone account with my daughter through a different provider. I'm retired on a fixed income, XXXX XXXX XXXX XXXX sent me a letter ( attached ) announcing the end of the Affordable Connectivity program through which I was getting internet for {$20.00} per month. The ; etter states I would have to apply for their XXXX XXXXXXXX XXXX which would provide a discount, the details are in the letter. I had to call them because I have never been able to log in to my XXXX account, every time I try I can't so I called and spoke to one of their reps I explained I needed to get into my account to aplt for the discount. They managed to9 log me in to my account and I submitted my application for the discount. Then XXXX sent Another copy of the same letter so as usual i could not log in to my account i called them again went through the entire story again, got into my account and applied for the discount again. Then I received a bill for {$100.00}. I opened an account with a new internet provider the same day and called XXXX the following day to close my account with them. I told them at the time I would pay them {$20.00} and return their modem and that I considered the matter closed. They have been harassing me ever since. The attached documents explain all the details of what happened. Yesterday I received a threatening letter from a debt collector. XXXX left me a message yesterday about the complaint I filed with the FCC, I intend to speak with then tomorrow but I am not willing to dignify the debt collector 's threat with a response I do not want them to have any information. As I state in the letter, I'm old will be dead before much longer and I WILL NOT pay their extortion.
Consumer complaint received 2024-08-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

This account was disputed with the FCRA. It was agreed to with the original creditor that this would be removed from my credit profile, but it still has not been removed yet to date and this is greatly impacting my credit score and future ability to open credit. This account MUST be removed immediately as it was incorrectly reported onto my profile.
Consumer complaint received 2023-06-23
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. (MO)

This is another request to demand to the Credit Reporting Agencies to remove the fraudulent items and information off of my credit File in accordance with the Frair Credit Reporting Act section 605b. As much as I appreciate the removal of a portion of the disputed items, I am still disappointed in seeing that they have not completely removed all the disputed items. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account that was opened without my knowledge, consent, or authority within 4 business days. The items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX were never authorized and must be removed as soon as possible. I have been disputing for the removal of this item from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for this item to be properly investigated and removed. The Credit Bureaus continued reporting of this item is a clear violation of my rights under the FCRA. If the Credit Bureaus claim this item is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with this item which bears my signature, as I believe none exists. It has been over 30 days since I started to dispute this item and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of this item.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

I've tried many times to contact them to ask them why my loan payments have changed my loan payments went up significantly from last year I was on auto pay they took me off of auto pay. I can't get in contact with anybody any time I call I'm on hold for hours, I can never get a human on the phone it's a XXXX XXXX trying to navigate to get to the point of speaking with someone. They never respond to me, They'd never answer me they'd just send me emails saying that I no longer have auto pay my loans have went up. I feel like they are intentionally leaving me at limbo so my loans keep going up and I'll never be able to pay them off I'm currently at {$25000.00}.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (PA)

My account with GLBLNDSVCS was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


GLBLNDSVCS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendbuzz Inc. (IL)

XXXX has allowed this company ( Lendbuzz funding llc ) to report a fraudulent account on my report, my information got exposed during the data breach. I have disputed this account multiples times, Dates of disputes XX/XX/year>, XX/XX/year>, XX/XX/year>. I have asked for documentations from this company stating that this debt belongs to me something with my signature I yet have to receive anything.The error is illegal and unethical XXXX FAILED TO INVESTIGATION, The account is damaging to me. 
Please delete this account immediately.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I woke up to find unauthorized inquiries on my credit report, and I have no idea why. I checked my report like I normally do, but this time there were strange discrepancies. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries were still there. XXXX extremely frustrated and would appreciate if the documents Ive sent are reviewed carefully so I can stop worrying about this.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$150.00} 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 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CO)

First of all I have never owned a Comenity Credit card nor have I shopped at XXXX XXXX I recieved the bill for {$190.00} in XXXX of XXXX. I disputed the charge. I do not recall getting anything back from Comenity.Then on XX/XX/XXXX I got a letter that the account had gone to collections from XXXX XXXX XXXX. I called and spoke a XXXX XXXX on XX/XX/XXXX. I sent him all the information I had. Last week I spoke to somebody who simply said the card was in your name you owe the money. 

I think XXXX mentioned if I had shopped at Wayfair which i have. Wavfair changed their credit card company either from Comenity or to Comenity. I think that during the change my information was compromised Again I have nevrer owned a Comenity card.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : 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 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-08-30
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My capitol one credited card became restricted after missing payments and lack of use. Ive been making payments again but not my card is restricted. I have a ton of points I can not use and after speaking to customer service. The said the card is permanently restricted so I can use my points or use the card anymore.