davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX in the amount of 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 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 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo since XX/XX/XXXX to present has not applied bi-weekly payments ( XXXX  ) correctly. We still have a 30 year mortgage. From XX/XX/XXXX to XX/XX/XXXX. We were overcharged in our Escrow account from XX/XX/XXXX to XX/XX/XXXX. We closed the escrow account in XX/XX/XXXX.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

My student loan has been paid in full, but the Texas Higher Education Coordinating board failed to report the debt as paid in full with a {$0.00} balance in violation of the FCRA. This has negatively impacted my credit score, access to credit, and rate provided on new credit accounts. They need to correct my credit report AND provide monetary remediation.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Metro Collection Service Inc. (CO)

I had lived at XXXX XXXX XXXX in XXXX, CO from XXXX. Upon moving out, In was never provided an itemized damages list the apartment supposedly had. It was not until I inquired with XXXX property manager XXXX in XX/XX/XXXX, where she stated they kept my {$300.00} deposit, and I owed {$120.00} for repairs. I had asked XXXX to please provide the statement they were required to provide me within 30 days of moving out. She stated they sent it and later she emailed one and stated that they satisfied the requirement. I had requested they send my deposit for {$300.00} and upon receiving the check, I never cashed it because I knew this would come back up. Months later I get communication from the debt collector on XXXX XXXX XXXX XXXX XXXX XXXX ) I had disputed the debt with them as well, providing proof of all of my claims and requesting they provide : Proof of claim, proof an itemized damages list was provided to me within 30 days, proof I cashed the {$300.00} deposit check they sent, proof the damages were not normal wear and tear or the responsibility of the apartment complex. They provided nothing. I then refused to pay due to XXXX not sending the proof I require. After this I sent a Cease and Desist letter due to their harassment on a debt that has never been proven. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, knowingly posted the wrong amount owed ( posted {$520.00} even though I only really owed {$110.00} ), in a successful attempt to extort money from me wrongfully since I am in the process of buying a home. I called XXXX XXXX XXXX to discuss the false reporting, the lack of proof of debt provided and the representative was extremely rude, hung up, and told me there was nothing wrong with them falsely reporting the debt. I told them it was never proven I owe this debt due to lack of proof and I would only pay a certain amount and they refused. They hung up on me before I paid the debt as well. XXXX XXXX XXXX and XXXX falsely reported a debt and violated my consumer reporting rights, which could have implications on my pending home closing.
Consumer complaint received 2024-08-05
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 (TX)

On what day, month, and year did Wells Fargo begin the foreclosure process on my home? Was it 2022 or 2023? Please provide the day and month also. Thank you.
Consumer complaint received 2023-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc. (IL)

I put in an order for a XXXX XXXX XXXX on XX/XX/2021 for a car which was blue, with XXXX XXXX XXXX  but was also supposed to include some other standard features which were advertised at the time of purchase such as a tilting front screen and the ability to play XXXX like games such as the XXXX from the car. The problem is that after the car was delivered those XXXX aformented features have finally come and been implemented, however I was told today that I must pay for these upgrades. I believe its unfair to have to pay when those features were stated to be included at the time of my purchase.
Consumer complaint received 2024-01-28
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. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2024-07-01
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. (PA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

GAGE 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
Consumer complaint received 2024-01-28
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)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please delete all negative history or late payments from my credit report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank Credit card division allowed someone to register a new address for my credit card without any notification. It has now been over 30 days and they have not removed the false address from my credit report and I am continuing to get notifications. 

In addition, Chase does not have an option for time-based one-time passwords, but is instead using the much less secure text messaging. Are there any standards in place to require banking/credit card companies to use reasonable security methods?
Consumer complaint received 2024-02-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

I first discovered this collection on my credit report in XX/XX/XXXX. The collection agency, National Credit Systems, says they sent a collection letter which I never received. Their records show I owe {$2200.00} to an apartment I move out of in XXXX of XXXX. It also show this was a joint account, which is not correct. All my rents were paid on time and I gave notice before I moved out. 
When I discovered this on my credit report, I disputed the data online with them. After their investigation, they told me the data was accurate, which I knew was not true. 
On XX/XX/XXXX, I sent a debt verification letter to the collection agency. They have failed to respond to that or my phone calls.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Deposited a check into my personal account from my business account both are TD bank accounts. {$1100.00} got deposited into my personal account and they are currently holding pending verification {$1700.00}. They stole the available balance out of my account and said this will all clear up next business day. This is a holiday weekend. This is theft in my eyes. The lady on the phone said this was there error and there was nothing they could do about it.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Disputes are being " verified as accurate, '' yet none of the furnishers or reporting companies guarantee 100 % accuracy in accordance with the FCRA. Thee furnishers and reporting companies do not guarantee any accuracy at all, and avoid liability for inaccurate information. Therefore, none of the information reported should be on the consumer report, or consumer file disclosure, or anything else. You can not " verify '' something under dispute and not accept liability for verifying whatever it is being verified. Especially when it is know that the information is unreliable as demonstrated by every furnisher 's and consumer reporting company 's Terms.
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto Finance has modified my original loan by extending the duration of the original loan beyond the maturity date as well as increasing the over-all amount owed and did so without my consent. I became aware of this in XXXX of XXXX, only because of another loan modification Capital One did, also without my consent. Since then, Capital One has made no effort to correct this matter what-so-ever ; despite numerous requests to not make any modifications to the original loan. Capital One blatantly proceeded to ignore my requests for the reversal of these extensions that occurred between XXXX of XXXX thru XXXX of XXXX only 6 months after the original loan began in XXXX of XXXX. Also, Capital One continued to extend the loan once again in XXXX of XXXX without my consent or informing me what-so-ever. Capital One has purposely lied to me and misdirected me towards the appropriate measures to resolve the loan being put back to it's original format. Capital One has breached my original contract by modifying the loan without my consent.
Consumer complaint received 2023-01-02
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MS)

Bridgecrest/XXXX is reporting inaccurate information on my credit report. As per the Simple Interest Retail Installment Contract ( page 2 of 5 ), the security interest secures payments of all amounts I owe in the contract and performance of my OTHER agreements in the contract. Bridgecrest collected a security interest, therefore the balance is {$0.00}. Although, I know I will file grievances with other agencies regarding the deception of the contract, the forgery ( electronic signature ), and the securities fraud, I want it on record in this complaint filed with the CFPB that Bridgecrest/XXXX practices in deception and fraud, robbing consumers. Also on the contract it states the amount of credit provided to me on my behalf, I am the creditor. I was not informed that I was entering a contract to be charged a finance charge for my own credit. No attorney was present to explain the legalese. document attached
Consumer complaint received 2024-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (VA)

I participated in a promotional offer to refer a friend and receive an additional 1 % interest rate on my savings account for three months, applicable to both the referrer and the referred friend via this url http : //marcus.com/share/ASI-31C-VDRF After following the necessary steps and successfully referring a friend who opened an account, the promotion was initially acknowledged. However, nearly a month passed without either of us benefiting from the offer. 
I first contacted XXXX on XX/XX/XXXX, at XXXX XXXX  and spoke with XXXX XXXX XXXX, who generated case ID XXXX and assured me of a follow-up within 3-5 business days. I was contacted on XX/XX/XXXX, for further details and was told to expect another call within 2-4 business days, which did not happen. Consequently, I reached out again on XX/XX/XXXX, at XXXX XXXX  and spoke with a supervisor named XXXX. He identified missing information, took the necessary details, created a new case ID XXXX, and promised a callback within 2-4 business days. 
After receiving no further communication, I contacted them once more on XX/XX/XXXX, and spoke with XXXX, who was unable to provide any updates or a timeline for resolution. She advised me to wait patiently for a callback. 
The referral, which should have been processed in XX/XX/XXXX, remains unresolved. Despite my repeated attempts to resolve the issue since early XXXX, I am still without a solution or a definitive timeline for resolution as of mid-XXXX.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MS)

My student loans were transferred from to Mohela to XXXX in XXXX. XXXX and Mohela are both reporting the same student loans.The balance with Mohela should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and Mohela. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with Mohela should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my credit score.
Consumer complaint received 2024-01-28
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. (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a full-time credit XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Hello, On XXXX, I sold a product via PayPal and the buyer sent me payment of {$1300.00} ( Total {$1400.00} - {$41.00} fees ) and as soon as he got the product, he claimed the product to be fake and disputed the payment. I had not received the payment at all in the first place, since PayPal put it on hold saying that since it is a big amount, we usually hold it for 24 hours and then after 24 hours said that it will be on hold until the product is delivered. And once the product was delivered, the buyer disputed it so now when I reached out to PayPal, they are saying they cant do anything about it. 

What I dont understand is, PayPal being a 3rd party, should be impartial to either parties but seems like they always side with the buyer because I have got no help from them. Initially, the buyer, even after agreeing on adding PayPal fees and shipping cost to the purchase amount, did not do that saying he forgot to add the PayPal fees, so PayPal deducted the fees and then I had to pay ship the product via XXXX so that cost me another XXXX. So, instead of the total amount of XXXX XXXX XXXX XXXX PayPal fees XXXX XXXX XXXX XXXX  + shipping cost ( XXXX XXXX XXXX XXXX, though it was not okay, I thought I could live without the PayPal fees and shipping cost, but turns out I am not getting a XXXX XXXXXXXX out of this. 

I do not know what my next recourse is because the buyer has disputed the payment and PayPal isnt helping at all. 

Please help me out here. Some details that may help you understand the case. 

Paypal ID : XXXX PayPal transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount on hold : {$1300.00} Please help me out and let me know if you need any additional information from me. 

Thanks.
Consumer complaint received 2024-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello I have no knowledge of these inquires as I am a victim of identity theft. Below are the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (ID)

Suttell and Hammer filed a lawsuit against me. The claimed to have served me in person on XX/XX/XXXX. This is a complete fabrication of the truth and completely false. They then used this lie to their advantage to get a judgement before I even knew about the lawsuit. When I found out about the lawsuit I had zero time to defend myself and was aggressively forced into a repayment plan that I would not be able to pay and I told them this. They told me to not pay something else and to pay them. I tried and tried to negotiate with them but the representative XXXX hung up on me twice but not before she threatened me with another lawsuit if I didnt pay the exact amount every month. I was bullied into an unreasonable payment plan without being able to negotiate or defend myself. Please help.
Consumer complaint received 2024-01-30
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. (TX)

I have contacted these companies and the credit reporting agencies to let them know I dont recognize these inquiries and they refuse to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX