davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TN)

I have discovered that the vehicle loan and warranty was financed and sold under false pretenses. Within a year of the {$120000.00} loan/ warranty transaction, I have encountered significant issues with the vehicle that the manufacturer 's warranty has failed to address. Such issues are consistent with those of numerous other consumers. Refer to Settlement Agreement in Emily Dack, et al. v. Volkswagen Group of America , Inc., Civil Action No. 4:20-cv-00615 ( U.S. Dist. Ct., Western Dist. of Mo. ) Find that my vehicle vin XXXX XXXX matches other vehicles to the case, also experiencing hazardous mechanical issues with the breaks. This has XXXX  me at times, as I have lost control over the vehicle with XXXX XXXX XXXX XXXX XXXX XXXX. 

Despite my attempts to resolve this and similar issues with the manufacturer, they have been uncooperative and unwilling to provide a satisfactory resolution. This evidences their lack of concern for safety, performance, and the overall value of their product line. After exhausting all possible avenues for resolution, I have come to the conclusion that I have no choice but to request the full payoff amount from XXXX XXXX XXXX XXXX XXXX XXXX, to account for any debt incurred and surrender under acceptable terms. 

I believe that I am entitled to compensation for the damages and losses incurred as a result of being sold a lemon vehicle and facing the manufacturer 's failure to fulfill their obligations under the warranty. I am seeking CFPB 's engagement to help me navigate this complex situation and pursue a fair and just resolution. 

I believe that contacting CFPB prior to a collective legal action is necessary to hold the manufacturer accountable for their deceptive practices and ensure that other consumers are not subjected to similar experiences in the future. I kindly request that you consider reviewing the existing class action lawsuit against XXXX XXXX XXXX XXXX. In addition to filing a claim for reimbursement related to this case, I am prepared to provide any necessary documentation, evidence, and information to support my lender in facilitating any additional legal proceedings that the manufacturer has caused. 

Thank you for your attention to this matter. I look forward to answers and exploring the possibility of legal action to address the lemon law violation and seek justice for the damages incurred.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-08-02
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-03
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: Global Lending Services LLC (GA)

Company/Date- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company/Date- XXXX XXXX XXXX XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX Company/ Date - Global Lending Services XX/XX/XXXX Company /DateXXXX XXXX XXXX XX/XX/XXXX Company/DateXXXX XXXX XXXX XXXXXX/XX/XXXX Company/ Date XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company/Date - XXXX XXXX XXXX XX/XX/XXXX The companys listed above I noticed unauthorized inquiries on my credit report .
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. (MD)

These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediately. Thank-You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Ive paid capital one account paid a settle they made me wait 22 days after the payment saying that it had to clear my payment been cleared. I dont like how they reported it saying I had a balance of {$340.00} or something like when I settled to clear it. I dont understand how they got my money to clear it an still made me wait 22days after for a clearance letter instead of just clearing my account when they took my money
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

OK, Capital One Has a Colored Picture of my Drivers License back in XXXX or XXXX of XXXX both sides. Now they wanted my new one it's the same as the other on and has the Very Same Info and same name & address So, I tried over XXXX times to do just that! At my Bank. They claimed it was too blurry most of the time then other reasons, meanwhile, I got their bill of all FEES {$67.00} for the month of XXXX last Month I sent them {$37.00} and I Do Not owe them that payment and I can Prove that and I did so by send them a letter with my XXXX XXXX XXXX XXXX and XXXX Bank Statements for XXXX and it shows I had made payments every Month up until their Auto-Pay with Card ending XXXX Silver Card Stopped Working Due to their ID Presintation Idea And the payments I sent them by Check from my checking Account Shows my Sign as my license is singed the same way as the check! I sent them copies of my valid licence and my EBT card as well and bank statements I had to buy a new phone and cards and sim card the old phone XXXX is Dead! And they XXXX Fix this Thing ASAP! I am Not Paying them those FEES! And I Want my {$37.00} Back I Don't owe it period! And they caused me to Lose my Way to Open my Account with the XXXX I wanted to Retire I Just turned XXXX The XXXX has my old cell # that don't work anymore so the XXXX sends me their Codes to my XXXX and now I Can't get into my own Account Because of this Screwup!!!
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I found an apartment for rent I was interested in on XXXX. I contacted the apartment and they said it was available but I wouldnt be able to tour in person until the XX/XX/23. XXXX XXXX provided me with a video of the apartment in the mean time. I liked the video and proceeded to apply for the apartment. I went to where the apartment to see that it was a real apartment and a real address but never entered the building because I was told the tenant was still living in the studio apartment. I filled out an application on XX/XX/23 and was told I was approved on XX/XX/23. I received the lease on XX/XX/23 and signed it. On XX/XX/23 {$1200.00} for XXXX months rent and {$1000.00} for the security deposit so it was {$2200.00} total. I received a banking routing and account number to send the money to through Wells Fargo and also received the address associated with that account to process the payment. He said the payment was received and I would get a receipt. On XX/XX/23 I did not receive a receipt so I emailed again and he said he would send it by Friday XXXX. I still did not receive a receipt so I proceeded to send follow up emails. After a couple days I got worried and went to the address to try to speak to someone. On XX/XX/23 I spoke to the super in the building and he told me all apartments were occupied and that there were none for rent. I saw the building information in the lobby and realized it was not the same landlord that was on the lease I signed so I realized I was scammed. On my lease was the land lord was XXXX XXXX but the building is actually owned by XXXX XXXX XXXX XXXX. I reported this to my bank right away but unfortunately they said they couldnt recover the funds. The case number from my chase bank is # XXXX and the trace # is XXXX.
Consumer complaint received 2023-10-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NV)

I have XXXX XXXX AmEx gift cards that don't work for any online purchases or bill pay. It's ridiculous that I can't use these cards online when 99 % of my purchases and bill pay are done online and all my information is correct to balance the gift card information and me as the payor. Why can't I use these cards to pay my own bills?? They don't work at stores online or bill paying and no one at Amex can explain why. I'm requesting the funds on my XXXX AmEx gift cards be issued to me via a check as I'm tired of trying to jump through hoop after hoop to use these cards. Is this how they get people to not use the cards so they can keep the funds? That's WRONG!
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I tried to deposit XXXX dollars a few weeks ago. The machine ate my money and timed out. I had no credit to my account!!! So I called the bank and the police and I was credited a few days later for XXXX. I got a letter about a week ago saying that they conducted an investigation and there was no error on the machine but the cameras will not lie!!! 

So now my account is minus. I am XXXX on XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I also never got {$300.00} bonus for opening my account. The branch manager never returned my call. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX  XXXX XXXX XXXX XXXX investments. 

XXXX account XXXX XXXX-Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-account XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX-account number-XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-account number- XXXX XXXX XXXX XXXX XXXX-account number-XXXX XXXX-account number-XXXX  Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/21 XXXX
Consumer complaint received 2024-07-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (NV)

I was contacted via email on XX/XX/year> stating that I owed a debt for a storage unit, in the email they gave the name of the storage unit and the location number, this is a company I have never seen or conducted business with. I attempted to look up the company online and the storage facilities claimed in the debt collection letter and found no information on the business. The company that contact me is Cedars Business Services , LLC, they stated " XXXX XXXX  XXXX has assigned your past-due balance of {$340.00} to Cedars Business Services for collections. '' This is not my debt and I believe this is a result of identity theft. I also question wither this is a legit company as I could not find any record of XXXX XXXX XXXX.
Consumer complaint received 2023-09-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
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. (IL)

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 2024-07-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

Employees at Toyota Motor Credit Corporation sent out a counterfeit document through the Postal Service containing a falsified name which is not me. When did a dead person go and purchase an automobile and how can such said person pay a debt if they are dead in Law? 

Meanwhile it unlawful to utter counterfeit document through the mail service to cause official oppression which add more problems to the injury already sub-stained. Where are the generally accepted accounting principles for the loan? Any repossession requires a detached and neutral judges signature to do. Otherwise Toyota Financial Corporation gets sued in federal court. This is the reedy for cure. Employees can not repossess my property without proving me with my original note along with all funds they made off the note as the actual in real time borrowers
Consumer complaint received 2024-05-15
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. (NC)

please delete the following accounts and inquiries. i recieved emil from the bureaus saying there is a 3rd party? no this is wrong i'm the one who send all my letters. please make an action regarding this matter. i sending my dispute several times. please delete this time or i have no choice to sue! here 's the list of accounts ned to be delete Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Date XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date XXXX Balance : {$960.00} XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (TN)

My dad was contacted via email ( XXXX  is part of his email ) today with credit collection information that contained private information about the debt collection to his email. I have never received an email on my email about this or anything. Yet somehow they used an email with family members name in email to contact me while talking about the debt and debt collection and also threatening legal action. 

Under the act they should never sent the email to my father Im XXXX XXXX XXXX and live in another state plus never used that email ever. But they falsely sent that email I have pic from XXXX about it with a lot of private info that is against the law to share with family members. 

Below is attachments from messenger that my father who owns email sent me
Consumer complaint received 2024-07-08
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX EXPERIAN Regarding : INQUIRY REMOVALS Hello I was checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by theses companies : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize anyone employed by these companies to make any injury and view my credit report. also i didnt give you ( EXPERIAN ) permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity but is a serious breach of my privacy rights. 
Please validate this information with these companies and please provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand you. ( EXPERIAN ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note by law you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Best Regards, [ XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-10-25
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)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

My mortgage provider recently got changed to Mr.Cooper and the monthly payment is same as it would be with in escrow but Mr.Cooper hasnt been paying the insurance. About XXXX $ monthly. my insurance company has even sent the documents and mailed documents mr.cooper requested. But they are still not paying the insurance.