davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (AZ)

I applied for Barclays XXXXXXXX XXXX on a airplane ride back home a couple months ago, and as soon as I received my card in the mail, I called Barclays and the representative that I spoke to basically told me that I had up to a year to pay the annual fee fast forward to today. I looked at my XXXX because I got an alert and it stated that I had XXXXXXXX XXXX removed off my credit score so I right away called Barclays asked to speak to a manager and basically explain the situation and what I was told by the representative and she basically told me that her employee that I asked if they trained and she said yes, gave miss leading miss information that everybody isnt perfect and people make mistakes and I said as a consumer thats not OK because If im am getting trained by a company, Im not able to say what I want to. There will be consequences for that action I said so as a consumer, how can you help me because your employee told me something and now I got XXXX XXXX removed off of my credit score and she said maam we can retrain that employee that theres nothing that ai can do for You and I stated to her that I would be reporting her company because its not OK as a consumer I want to know how I can close down this card because I do not want to do business with a company who gives out Misinformation or treat a consumer like this Ive never been late on a payment. Ive never made a payment late in my life. Nothing negative has ever gotten reported to XXXX Please help me get my XXXX XXXX back put on my account with XXXX XXXX and Help me CLOSE down this SCAMMING COMPANY AND card with Barclays. I have a full recording of her whole entire conversation. She was very rude to me. Ive never been treated like this, especially from a credit card company. I could see if I Owe thousands and thousands thousand dollars on this account but I dont owe anything Ive never purchase and no transactions were made on this account. Please help me. Everybody that I meet I will tell all about my experience with frontier, Barclays XXXX XXXX, and how they treated me.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I specifically requested proof of these accounts and inquiries. I asked that if accounts were labeled verified I would receive an updated credit report and proof of point of contacts for verified accounts and inquiries in writing! You have failed to provide proper communication into the accounts harming my profile.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under FCRA 605B, we are required to eliminate any false accounts from my credit history. This entry is inaccurately listed and needs to be removed. I am eligible for {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I have been paying since XX/XX/2021, on my Synchrony account each month via auto pay. 
I recently checked my credit score & was astounded that the score went down XXXX points. 
When I researched to find answers, I discovered that Synchrony had reported late payments. 
Since auto pay was in place, I tried to talk to President or CEO of Synchrony. I also used XXXX, but have not received acceptable responses. 
I have Auto Pay in place!
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (AZ)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX Balance : XXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-04
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. (TN)

I have been disputing my credit reports because I am a victim of identity theft. The disputes are not being processed according to the FRCA and the paperwork I am submitting is not being processed and attached to my disputes. I cant talk to an XXXX agent on the phone and I have still not gotten copies of the verification process
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am submitting this complaint on my own behalf to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

my boyfriend went through XXXX XXXX ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my credit
Consumer complaint received 2024-08-03
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

This account is from XXXX XXXX the original creditor it was paid and closed and transferred/sold to XXXX XXXX XXXX XXXXXXXX once XXXXXXXX XXXX XXXX XXXXXXXX got the account they started to illegally report to all the consumer reporting agency that the account had a balance and falsely reported that I made a payment on XXXX XXXX which I never did they said it came from a secured account but the account listed as an unsecured on XXXX by XXXXXXXX XXXX XXXX XXXXXXXX and the next inacurassie is XXXX reported it as paid and never late transferred /sold with no balance remaining XXXX XXXX XXXX XXXX listed as a balance due that another violation and its also listed as a collection charge off with a past due balance and the final inaccuracy is where did this remaking balance come from if XXXX XXXX the original creditor listed it as paid enclosed is a copy of how it is being reported on XXXX there are several inaccuracies and according to the fcra I am afforded a fair and accurate and verifiable consumer report and I am not getting that with XXXX and this account being reported wrong
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received phone calls from this company XXXX  debt recovery aka XXXX I had a phone call with this very scary lady on the phone a year ago it was early morning and she was very scary on the phone she had an aggressive voice and attacked me with her words I dont have her name And I received very scary emails with a list of regulation and rules to come after me for money that I assumed I paid at the time already when I rented and this situation had me very upset Im Not making stable income I had a lot of debt and they ruined my ability to rent a house due to a housing event issue on my credit also I tried calling them yesterday to resolve this and they wanted a lot of money Ive been suffering ever since they opened this and I dont know what to do anymore XXXX XXXX
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

they reported a company on my report that I never did business with XXXX XXXX XXXX, they confirmed that, how? 
I sent in my bankruptcy paper and showed I filed and was granted it, for the account number in question.m on XX/XX/XXXX The name of the company was XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. 
the account they referred to was under XXXX XXXX XXXX XXXX this is the company i filed under the bankruptcy. 
now after XXXX and a XX/XX/XXXX XXXX XXXX added it to my credit file on XX/XX/XXXX, after they bought XXXX XXXX XXXX XXXX, how? 
how can they do this?
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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (RI)

Dear CFPB Team : This repossession was made without following the laws and procedures specified Under the laws of Rhode Island Title 6 Commercial Law General Regulatory Provisions, Rhode Islands Uniform Commercial Code and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demanded proof that the repossession of the subject vehicle was legal in accordance with the following UCC and The Rhode Island Automobile Repossession Act

Chapter 51 : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 6-51-3. DEFAULT, NOTICE, RIGHT TO CURE, REINSTATEMENT. I required CREDIT ACCEPTANCE CORPORAT an
d DEANCO to provide me with copies of the legal notices sent and proof of the commercially reasonable manner of the notification and notice of resale of the subject vehicle for my records. They failed to investigate this account properly, proof this repossession was made lawfully and all the legal notices required after I sent letters to them and they neglect has violated my rights to have an accurate credit history and hurting my ability to be accepted for new credit. 

I am demanding a immediately deletion of the following account from my credit report across all the 3 bureaus : Accounts Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Easyknock (NV)

I sold my home to easy knock with the option to buy back. So i was allowed to stay in home and pay rent. Easy knock bought my home for {$470000.00} gave {$32000.00} cash and held back {$180000.00} of that money that I was told was mine if I desided to sell the house. If I desided to buy back I would have to give easy knock {$290000.00} and they kept the {$180000.00}. But I was unable to be financed for the {$290000.00} so we decided to sell. I knew I had that {$180000.00} and depending on what the house sold for I figured I would get at least another {$60000.00} or so. But that's not what happened they gave me another {$29000.00} more and said they don't don't that with the money they held back. I said you don't give people the money you held back? They nope. I said I paid {$180000.00} for an option! They said yes. They paid me less than {$60000.00} for a home priced at {$490000.00} they under sold the house for {$360000.00} that's what I paid for it in XXXX  and I just put {$70000.00} worth of solar on the home. Easy knock knows I don't have they moey to get an attorney, to fight them they took everything my grandmother and I worked so hard to get. I'm XXXX and I have nothing because easy knock won't give me my {$180000.00} they wrongfully keep .please help me before I end up on the streets .I know I am not the only one they have done this to.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I asked each company to display my correct name and address my name is XXXX XXXX XXXX XXXX my Address is XXXXXXXX XXXX XXXX XXXXXXXX texas XXXX that is the only name and only address that should be on my report me and my father have the exact same name even middle name so there is alot of confusion especially on my credit report.
Consumer complaint received 2023-12-03
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. (FL)

I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!
Consumer complaint received 2024-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

In spring of 2015 I had lightning strike a tree that fell on my stick built out building. The cost of repairs was over {$12000.00}. XXXX XXXX was my insurance company and they released the payments to Wells Fargo in XXXX payments as the repairs were being made. Wells Fargo released the XXXX XXXX payments each over {$4000.00}. Once work was complete and I had paid the final repairs, XXXX XXXX paid the final payment to Wells Fargo. Due to paying for the repairs. I owed 1 month payment of {$850.00} Appx. Wells Fargo refused to release the last insurance check to me unless I made the payment. I explained they could take the payment out of the check or I would make the payment immediately upon receiving the insurance check. They refused. I could not get caught up on the payments due to this situation and was forced into foreclosure and lost the home. I got a check yesterday from Wells Fargo for {$10.00} so I called them after reading about the remediation law suit. They explained that was some kind of over charge in processing fee on the original loan. I filed a new complaint regarding this matter. Complaint # XXXX. They wanted me to send them information about this matter. I called XXXX XXXX and since it has been so long and they have new system they couldn't find my policy or claims. I am still working on that, but I know they have the information and the final check. I feel like they owe me much more then my insurance money since this caused me to lose my home through no fault of my own. I didn't know what to do at the time. I thought what they were telling me was their practice, but it was my money. I paid the insurance through escrow and I paid for the repairs to the property.
Consumer complaint received 2024-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Avid Acceptance, LLC (NV)

Avid acceptance is sending me constant messages that our insurance has expired and that I must send in the documents to show updated insurance information. Our insurance agent has sent it in to Avid on two occasions and my wife and have sent it once each. But, they continue to harass me about it.

My wife and I have both tried calling, but either we are put on indefinite hold or we are told that no one in that department is available. We both leave messages for a call back, but it never comes. At one point I even asked for a supervisor or someone in charge only to have the operator tell me that they did not know who that was. I have now emailed them from different formats trying to find someone who can stop the harassment but I here nothing from them except more messages about our insurance expiring.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I was given a card with {$3000.00} limit about two years ago when my credit was very good. I used the card to help build my current business, it did not take long to max it. I had been paying my bills ontime for over a year no problem, then i dicided to increase my payment to {$100.00} a month from 60 ; shortly after they made it mandatory. My problem is I notice my balance wasn't going down when I called and complained they told me my interest increased 70 % because of XXXX XXXX. Now when I pay XXXX dollars basically none of it is going to my balance! I don't know how they expect someone to pay them with no benefit.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have reviewed EVERY Experian credit report since XXXX and I found a lot of inconsistencies worth noting. Experian has not adhered to the standards of fair credit reporting in that they kept listing accounts as Past Due when they were included in the Bankruptcy XX/XX/XXXX Discharge, they increased and decreased my credit score randomly over the past 4 years and most recently they decreased my score by XXXX points with NO CHANGE IN MY CREDIT ACCOUNTS, they just changed my " Good '' payment history to " Fair '' with no change in any of my credit accounts and my credit score is XXXX points LOWER than XXXX ( XXXX ) and XXXX ( XXXX ) even though they are all using the exact same data. I filed for bankruptcy in XX/XX/XXXX -- which was almost XXXX YEARS ago. Since that time I had had no late payments, no over use of credit but Experian refuses to increase my score to reflect my good credit management over these past XXXX years. This is fraudulent and unfair.
Consumer complaint received 2024-06-13
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. (MO)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I called to obtain written information about how to assume my loan. I'm a presumed successor in interest with the bank, Wells Fargo. I was transferred multiple times. I spoke with a representative who said my loan was no longer assumable because we did a XXXX modification on it and extended the term. She said that 40 year loans are never assumable.