davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc. (NJ)

i purchased a car from this " dealership '' in XX/XX/2021, the day i purchased the vehicle the check engine light came on, i alerted the dealer immediately and he assured me he would fix the problem. Over the next 3months i had to take the car back and forth to the dealership and each time he claimed the mechanic was fixing my car and it was never fixed. the car broke down on me in early XXXX, i got a ride to the dealership to talk to him about what happened and instead of having the car towed from my house he sent an employee to my home to put water in it and drive it back to the dealership. about 3 days later he called me and assured me the car was ready and fixed and he alleged he had taken my car to a XXXX dealership to be repaired, when i asked for an invoice or diagnostic paperwork from him he could not produce it. after driving the car get the back home it broke down again in a parking lot. XXXX ( the dealer ) finally had the car towed to him on around XX/XX/2021. he called me to state the engine was blown and had to be replaced. i have had no contact with the dealer or anyone from the company since, he has stopped answering all calls or text messages. he has been holding the vehicle since this incident. i have spoken with sever representatives from the finance company and have been advised he is avoiding any contact with them also and that the only recourse is to get the dealer to buy back the loan so my account can be closed. i am currently stuck with an open loan for a car that doesn't run and has not been in my possession for months.
Consumer complaint received 2024-08-12
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. (NC)

I need assistance with resolving some negative items on my report. I have previously submitted the three requested documents, dispute letters, and specified the accounts I want removed. Could you please help me with these matters.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ragan & Ragan, PC (GA)

I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling XXXX XXXX XXXX, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.
Consumer complaint received 2021-12-27
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
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. (NJ)

there are company that reenter bill that was in bankruptcy XX/XX/2017 discharge. add amount to it and my score down now. bill that was paid off in negative. car that was repossess, change collector name and put back in my report. out of work because of pandemic and they add all these late charge to my account credit card.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (VA)

In 2017, I moved with my husband and XXXX young children to the XXXX XXXX apartment, Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, we did a 12-month lease. Within 10 months of reading, the condo became infected with Mold, many of the apartments in the condo had to close due to the infection. Our apartment got mold infected as well. The condo 's maintenance department hired an agency to clean up the mold, they closed our apartment, for weeks, we had to go to our parents ' house. In the process, all of our furniture, clothing, and other items had to be thrown away due to the infection. Our children got sick from the infection. We require the condominium to close the contract, to rent elsewhere due to the high volume of infection. After 3 weeks, the condo informed us that due to the mold, we could leave without problems, because there were only 2 weeks until the expiration of the lease. and that it was not required by law to sign any document to complete a lease. We left the condominium, with many material losses, but, 2 years later, a debt for the value of {$5800.00} appeared on our credit report. We never received notification from the condo, any calls, or emails to tell us there was a problem. We contacted the condominium about this problem, they told us that all the staff had been fired and they had no information, that we should contact the management of the condominium. We contacted the central administration, and after 1 month, the general manager asked us if we had proof of the problem to solve it. We emailed him photos and videos of the mold, the apartment closed due to infection and after 2 months of waiting they cut communication and sold the debt to a collector.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All statements with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Nj XXXX. 

Where my landlord XXXX XXXX XXXX stole and used my XXXX XXXX credit card. Along with my NJ state drivers license XXXX XXXX XXXX I reported this to XXXX police department and FBI XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Pa XXXX ( XXXX ) XXXX they dont investigate Credit card fraud.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (FL)

Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 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 account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

I have a store credit card for XXXX XXXX which is serviced by Wells Fargo XXXX XXXX I have tried to setup an online profile to make payments online since my first bill in XXXX The Wells Fargo website does not allow me to create a profile it states they don't recognize my credit card number or social security number. I have called the customer service number each month and explained the issue but they fail to look into the problem. My last attempt to fix the issue was on XX/XX/XXXX, I called XXXX. I called 3 times ( XXXX EST, XXXX EST 20min call and XXXX EST 20min call ). I explained my problem and expressed my frustration for not being able to setup a profile so I could make a payment online. None of the associates, including a supervisor, were able to figure out what was issue and provided scripted responses such as " my account is charged off ''. That is ridiculous since the account was just opened in XXXX and I have not even been 30days yet on a single payment. On my call at XXXX EST, the supervisor on that call stated he would have the team he thought could help " online banking '' return my call in 48hrs. I provided permission to have the department call me back and leave a message if required. I have yet to receive a response. I have had other accounts with Wells Fargo ( 2 mortgage accounts that are now closed ) but have not had any issue creating a profile for either accounts. In the early XXXX 's, I had a Wells Fargo fraud issue, where they had another customer assigned to my social security number not sure if they ever cleared up the issue on their end. My inability to make my payments on the website has caused me to be late on a few payments because I have to go through the long process of making a payment with an agent over the phone. I only want to be able to make a payment through the website.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (NJ)

On XX/XX/22 a transaction in the total of {$490.00} was made to XXXX XXXX at XXXX, I physically saw the transaction in a pending state on my transactions list on Chime which cleared the following day ( XX/XX/22 ). I have two emails from XXXX XXXX that Ive already forwarded to chime that shows that I initiated payment from my bank account and the transaction cleared and the payment was completed. A week later on XX/XX/22 XXXX XXXX  emailed me that my payment of {$490.00} was returned to my account but for some odd reason when I go to my transactions on chime theres absolutely no history of me paying XXXX XXXX  {$490.00} on XX/XX/22 or them returning it back to my account on XX/XX/22. Its as if my money disappeared in thin air which I find to be extremely odd. I reached out to Chime support via telephone several times to no avail, I was continuously placed on hold and transferred from agent to agent. On XX/XX/22 I reached out to chime again and was told by a supervisor in the member services department that my issue was not a Chime bank issue and I should take it up with the merchant XXXX XXXX. I've been in contact with both Chime member services and the Disputes department since XX/XX/22 via email and I still find myself going in circles with representatives that's not looking to solve my problem. It's been over a month since my money has disappeared from my account and I need it back ASAP.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (TN)

I have disputed this debt several times. I have asked for proof that I owe it they just keep answering my dispute that this debt has need valadiated as owed. I have been asking for them to send me a contract or my signature on a contract they have refused to provide.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

I moved to PR and start working from home. I open an account in Banco Popular to use it for my Direct Desposit from my work. Unfortunately when I was setting bank information with my employer I put the wrong routing numbere so the have to overnight me a check for {$510.00}. On XX/XX/XXXX I deposit the check in the ATM machine. I come from XXXX XXXX so I was expecting to see in my account {$510.00} pending but I dont so I call Banco Popular customer service line and they explain me that should take couple days do see the whole amount reflect in my account. They said I should see {$220.00} first and then the rest. I call monday XXXX first because I dont see nothing reflect in my account. They explain me that I need to wait until Wednesday XX/XX/XXXX. I wait and I call back Thursday the XX/XX/XXXX and they explain me that at that point your check should be reflected in your account if not is because theres an issue with the check and they explain that I need to wait until Wednesday XX/XX/XXXX to receive a letter explaining why that happen. On Wednesday XX/XX/XXXX around XXXX I received a call from the bank branch in XXXX XXXX asking me where that check comes from and other questions to apparently be able to verify the check. After she make all the quations the branch agent told me that she are going to told the supervisor and see if the check was good to deposit. She promise me to call me in the afternoon but unfortunatelly she never do. Looking for information and talking with my uncle wich is a CPA and a cooperative bank executive he explain me about The Funds Availability and Check Collection Act ( Regulation CC ) of the Federal Reserve ( Not sure is the translation is correct ) and he told me that American financial institutions have no more than 5 days to clear a check doest matter where the check come from if not they are incurring in violations against this regulations. Today XX/XX/XXXX the bank just make available {$220.00} from my {$510.00} check, after XXXX work days from my original deposit, in clear violation of your regulations. I call customer service and explain this regulation and customer service transfer me to the complains department. The complains department admit that the branch did wrong and call the branch for mor clarification unfortunatelly the manager was not there at XXXX am so a branch agent provide him the personal phone number of the manager. He call the manager but unfortunately he didn't answer the call. After all those fails tries he file an internal investigation against the branch because clearly is taking way too much time to get the money I worked to my account.
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

Received a voicemail stating I have been officially notified. 
I called the number XXXX ( XXXX ) XXXX that came up on screen. 
XXXX said I owed a debt to HSBC for a credit card from 2017. I do not. 
Said I was being sued for fraud & now I owed {$5000.00} because I hadnt responded to their letters. No letters Said they were going to take everything & garnish my XXXX & annuity. 
Said she could, possibly, have me call a number & get the sum reduced. 
I hung up on her & proceeded to call HSBC. They have no records for me. Bank person suggested I check my credit report. I did & nothing there. 
But, the scam lady read off my social security #. 
What do I do?
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Despite having credit freeze and fraud alert, Equifax placed three hard inquires on my account on the same day. Their negligence negatively impacted my credit score. 



XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2021-12-27
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. (FL)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2024-08-12
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. (CA)

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 information is inaccurate.
Consumer complaint received 2021-12-27
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, XXXX, and TransUnion. Thank you!
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (AZ)

NOTICE AND DEMAND EQUIFAX is reporting erroneous information of comments by XXXX BANK Credit Card. This information is incorrect and liable us, and may lead to a repairable damage. This needs to be deleted.
Consumer complaint received 2024-08-12
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. (TN)

I've been keeping a close eye on my credit report and noticed that some errors and misleading information about my accounts aren't even close to being 100 % accurate, as they should be. This has really hurt me and held me back for quite a while now. It's impacted my life in so many ways, and I need the CFPB to step in and make sure these mistakes are corrected or removed.
Consumer complaint received 2023-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (TX)

On XXXX XXXX The Branch Manager For Republic Finance XXXX Called My Place Of Employment. The Manager Told Him I Was Not Available As We Are Not Allowed To Receive Personal Calls. XXXX Then Told My Manager This Is XXXX At Republic Finance Can You Have Her Give Me A Call Back Because I Am Trying To Save Her Account From Being Charged Off At The End Of The Month.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXo my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.