davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted XXXX regarding the recent Hard Credit Inquires that were placed on my account from the following Institutions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - CAPITLA ONE / XX/XX/year> - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I need this inquires removed from my credit report since they are fraudulent and unauthorized.
Consumer complaint received 2024-08-08
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. (IN)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc. (PA)

I am filing this complaint against GM Financial due to their unlawful repossession of my vehicle, failure to comply with proper communication protocols, and fraudulent practices related to my lease contract. 

Repossession Dispute : On XX/XX/XXXX, GM Financial repossessed my XXXX XXXX XXXX due to non-payment, despite my efforts to resolve the matter. I have been disputing this repossession for months, but GM Financial has failed to provide a satisfactory resolution. 

Failure to Provide Certified Mail Notice : Under Pennsylvania law, after a vehicle is repossessed, the lender is required to send a notice via certified mail to the borrower. This notice must inform the borrower of their rights, including the right to cure the default and reclaim the vehicle. I never received this notice, which makes the repossession unlawful. I am requesting that GM Financial provide me with the certified mail receipt number for the notice of cure that was allegedly sent to me. 

Relevant Law : In Pennsylvania, the lender must send a " Notice of Right to Cure '' or a similar notice via certified mail to the borrower before taking any further action after repossession. This requirement is outlined in the Pennsylvania Motor Vehicle Sales Finance Act ( MVSFA ) under 12 Pa.C.S.A. 6236, which mandates that the borrower be given an opportunity to cure the default within 21 days of the notice. GM Financials failure to send the notice via certified mail and ensure its receipt makes the repossession unlawful and invalidates the subsequent actions. 

Lack of Communication Compliance : Recently, GM Financial stated that someone attempted to contact me but was unable to reach me. I have explicitly requested that all communication be conducted via email or postal mail, not by phone. Despite this request, GM Financial continues to try to contact me by phone, disregarding my preferred method of communication. 

Certified Mail to Dealership Regarding Contract Fraud : I have sent a certified mail letter to the dealership highlighting that fraud was found in the lease contract, specifically regarding the misrepresentation of the trade-in amount for my previous vehicle. This fraudulent and deceptive conduct by the dealership makes the contract null and void. The issues with the contract further invalidate the repossession and any actions taken by GM Financial based on this contract.

Request for Resolution : Provide the certified mail receipt number for the " Notice of Right to Cure. '' Cease all phone communications and adhere to email or postal mail as requested. 
Reverse the unlawful repossession and remove any negative credit reporting resulting from this repossession. 
Investigate the fraudulent and deceptive practices related to the lease contract and take appropriate actions to nullify the contract.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Formal Complaint Against Truist Bank for Unfair and Deceptive Practices Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Truist Bank XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX I am filing this complaint against Truist Bank due to a series of unethical practices, poor customer service, and financial mismanagement that have caused significant financial harm and distress. I have been a loyal customer of this bank for XXXX years, maintaining multiple business, personal, and savings accounts. However, since the merger and rebranding to Truist, I have experienced the following issues : XXXX. **Unilateral Changes to Credit Card Payment Dates : - In XXXX, Truist Bank unilaterally changed the payment dates on my credit cards without providing any prior notification. This change led to unauthorized late fees and interest charges, particularly on an account with a longstanding auto-payment to XXXX XXXX XXXX Despite reporting the issue in XXXX, the bank only credited XXXX payment and initiated a prolonged investigation. 

XXXX. **Failure to Correct Errors Despite Repeated Requests : - At the XXXX XXXX branch, a representative named XXXX contacted the corporate office to inquire why my credit card, on auto-pay for nearly 30 years, was incurring late charges. Despite being asked twice to correct the error, XXXX failed to resolve the issue for XXXX weeks. I was unjustly accused of changing the payment date, which is incorrect. This issue also affected another card with no balance, leading to months of unwarranted late fees and interest charges. 

XXXX. **Mishandling of Account Closure and Overdraft Protection : ** - In XXXX last year, I requested the closure of a line of credit and asked that my savings account be linked to my business account for overdraft protection. The banker at the XXXX Branch branch mishandled this request, resulting in unpaid checks, a missed mortgage payment, and consequent late charges. When I sought clarification, the banker was disrespectful, condescending, and blamed me for the errors, despite it being his responsibility. 

XXXX. **Unprofessional Conduct and Lack of Accountability : ** - Despite filing an official complaint against the aforementioned banker for his unprofessional conduct and failure to perform his duties correctly, he remains employed at the branch. This raises concerns about the ongoing risk to other customers ' accounts. 


Should this matter remain unresolved, I am prepared to escalate my concerns to other regulatory bodies, the media, and my congressional representatives. I will also consider exploring alternative and more trusted financial institutions to protect my money and conduct transactions. 

I trust the CFPB will take this complaint seriously and ensure that Truist Bank is held accountable for their actions. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX THE FOLOWING ACCOUNTS HAVE SEVERAL ERRORS AND ARENOT IN METRO2 COMPLIANCE UNDER BSCF13 TERMS DUARTION THERE ISMISSING INFORMATION. BSCF20 COMPLIANCE CONDITION IS QUESTIONABLE.PLEASE DELETE THE FOLLOWING INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX  XXXX  XXXX  POTENTIALLY NEGATIVE MONTHS Credit usage XXXX % Balance {$150.00} Balance updated XX/XX/XXXX Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card tatus Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$150.00} Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX  XXXX, MO XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-08-08
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-13
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: OneMain Finance Corporation (GA)

I was doing a business purchase and was asked to get my personal info for id purpose. Next thing I kno. It was car inquiries all over my credit at different times & I only did business app but this was for personal loan inquiries
Consumer complaint received 2024-08-13
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, Wells Fargo assigned counselor XXXX XXXX to explain a reverse mortgage to the life tenant and 'supposedly ' all 4 remainderman at residence XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX 2 of the 4 remainderman ( XXXX XXXX and XXXX XXXX ) were NOT present at this location and their signatures on this Counseling Certificate ARE FORGED. 

On XX/XX/XXXX, Wells Fargo assigned XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX No. XXXX, to have the life tenant and 'supposedly ' all 4 remainderman sign the reverse mortgage origination document. 2 of the 4 remainderman 's signatures ( XXXX XXXX and XXXX XXXX ) were NOT present on this date and their signatures ARE FORGED. 

In XXXX, Wells Fargo had assigned XXXX XXXX again to make 'correction ' to the signature pages since 2 of 4 remainderman were under the age of XXXX XXXX in XXXX. On the XXXX 'correction ' documents, 2 of the 4 remainderman 's signatures ( XXXX XXXX and XXXX XXXX XXXX were NOT present on this date and their signatures ARE FORGED. 

HUD, who has been holding the deed, I believe has recognized the above statements and has demanded Wells Fargo to repurchase this reverse mortgage on XX/XX/XXXX. 

I am power of attorney to my father XXXX XXXX XXXX who is the Administrator to my late mother 's estate.
Consumer complaint received 2024-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

In XX/XX/year> I made a request of Mohela to have my Federal loans consolidated and I also requested an Income Drive Repayment plan with the lowest monthly payment. It is my understanding while I am waiting to be put in an Income Driven Repayment plan, I should be placed in forbearance ( https : //studentaid.gov/announcements-events/save-court-actions ). However, Mohela is incorrectly demanding that I make payments for these loans. I would like for Mohela to pause a demand for payment from me until I can be placed in an Income Driven Repayment plan with the lowest monthly payment.
Consumer complaint received 2024-08-13
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

I was interested in a {$1000.00} XXXX XXXX XXXX Credit Card today so I invested with an application form.. 
XXXX XXXX sends me an email saying they are discriminating against me and my score is adversely affecting me and refuses to deliver service of goods. I told them that has nothing to do with the fact I gave them an application which is value and they gave me no goods or services in return. My original reason for applying was because they said I was pre-approved for a {$1000.00} credit reflect card. Now they insist on discriminating against its retail investors. I wonder how many people apply to XXXX XXXX and get discriminated like I did.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verif these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removea and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-08
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. (IL)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (WA)

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. 

these inquiries need to be removed XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX On record until XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX XXXX record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XXXX record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX, Inquired XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN XXXX Inquired XXXX and XXXX more EXPERIAN XXXX IDENTITY Inquired XXXX EXPERIAN XXXX IDENTITY Inquired XXXX FADV Inquired XXXX XXXX XXXX DATA XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX ON XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX I 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I do not have an account or any knowledge of XXXX  XXXX, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. I do not have an agreement or contract with this company, and am at will to sue. '
Consumer complaint received 2024-08-08
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened 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 XXXXXX/XX/year>