davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

XXXX XXXX. XXXX Section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2023 I purchased clothes from a merchant named XXXX for the amount of XXXX order XXXX XXXX Tracking from XXXX : I have previous orders with the merchant and had no problems with them but in this case I never recieved my order. I attempted to reach out to the customer support several times before I involved my bank ( Apple Card/ Goldman Sachs ) Dispute case : XXXX I never once recieved a reply from the merchant about my items not delivering. I also attempted to reach out to dhl to open a missing package but was unable to as its the merchants responsibility. I was able to get confirmation of the signature that clearly wasnt mine. All this was provided to Goldman Sachs/ Apple Card and I was surprised to see that the dispute was not ruled in my favor as I clearly was being ignored from the merchant who decided to challenge my dispute as I had notified them because I thought it was the responsible thing to do and act in good faith. I am providing the evidence that I provided them with which proves how this was unjustly ruled in favor of the merchant despite me paying for something and never receiving it. I provided my signature so they can compare with the one that was provided as well as a sworn statement confirming I never received my items.
Consumer complaint received 2023-11-08
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. (IL)

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to privacy and confidentiality. Under the law 15 USC 1681. ( XXXX Account number XXXX ) Replace this with the accounts being disputed has violated my rights. 

15 USC 1681 section 602 A States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one violated the FCRA sect 623 ( a ) ( 7 ) regulations V. Duty to provide the Customer with a Notice about Negative information. A duty to provide a notice to the customer when reporting negative information 30 days after it's reported with a written notification. I have never received such notices. If capital one feel they have properly notified me with written notification then please send me a copy of the certified return receipt bearing my name and signature as proof. If you can not produce the document in next ten days then delete account immediately
Consumer complaint received 2024-02-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

after many years using amazon card to purchase from birthday gifts to reading glasses, I was forced to closed my account. I recently retired back in XX/XX/2023, so my income level change, I continue making payments on my card almost on time all the time, but the last couple months I was late because my XXXX XXXX check arrives on the XXXX of each month and the amazon payment due date is the XXXX of the month, I talk to a ( costumer service ) supervisor and another person trying to explain my delay, I was charge {$23.00} late fee last month and {$40.00} this month, at this rate I will never be able to pay off my balance, all I want is to be able to pay my bill on the XXXX or XXXX when my XXXX XXXX check is in my checking account, I request a change of payment due date but the supervisor was really rude, so I'm not sure if that will be able to happen
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I went to XXXX XXXX  and was financed a loan through credit acceptance. the interest rate was 25 % and credit acceptance was just sued for their business practices. I was sold a lemon for an insane mark up on interest and such a high interest was not disclosed. They also change what I applied for on the final forms and it ended up being twice as much than I applied for. I wasn't informed of the 25 % interest rate until after I assigned for what I assumed was a different deal, the one I applied for. They also have a practice of not allowing you to control your own information in their hands, you have to ability to tell them not to sell your data.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/year>, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 52 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 52 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (WI)

I applied for an XXXX XXXX XXXX card ( issued by Barclays ) in XXXX, 2023 after receiving the application on an XXXX XXXX flight and being promised XXXX miles if I made any purchase within 90 days of card issuance. I completed the application properly, including my mailing address where I've resided for nearly 30 years. I never received my card within that 90 days, or at any time thereafter until I called in early XXXX. I called Barclays and had trouble getting through to Customer Service because they couldn't verify my account because the address I provided during the call did not match the address they had associated with my account. It became immediately evident that they'd entered the wrong address for me when setting up the account. I corrected this information during that call, so they issued me a " new '' card. But this also explains why I never received my card, since it had been mailed to the incorrect address they entered for me. Once this was cleared up, I asked that they be sure to add my XXXX miles as soon as I received my card and made my first purchase. They refused to do that because I hadn't made a purchase within 90 days of their initial issuance of the card which, due to their own address entry error, they had never mailed to my correct address. It is fraudulent for them to break their agreement when they made it impossible for me to make a required purchase due to their own failure to send my card to the correct address. Barclays refuses to take responsibility and will not allow me to communicate with anyone with authority to correct this error. They have also refused to send me a copy of my application which would reveal that I inserted my correct address and the account setup error resulting in them not sending me my card took place on their end, thus making it impossible for me to comply with their 90 day purchase condition. I am entitled to my miles, as this is the ONLY reason I applied for this card. They fall back on the argument that I should have called sooner. Aside from the fact that this is an irrelevant and spurious argument and not a legal condition of the agreement, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (CA)

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g. CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by TransUnion for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

1. I have my home property at XXXX XXXX XXXX, XXXX, GA, XXXX. 2. Since XX/XX/XXXX Nationstar Mortgage is handling the service of collecting mortgage. 3. My LTV on the loan is 71.7 % as of today. 4. Nationstar Mortgage should have removed the PMI under Automatic Termination by Mortgage Company as per HPA Act of 1998.
5. Nationstar Mortgage did not remove the PMI of {$77.00} cents when the loan LTV reached under 78 % automatically.
6. Each time, one person talks and does not understand this. 7. I wrote 3 letters to the President and he does not care to remove it, busy becoming XXXX XXXX. All the documents are with them and with me too. On XX/XX/XXXX, I reached under 78 %. The original Disclosure statement on PMI states the Automatic Termination of PMI under 78 % is XX/XX/XXXX. Nationstar Mortgage is not replying to the 3 letters I sent to its President, CEO, Chairman. They have to refund the excess amount of XXXX collected from me from the date I reached under 78 % that is XX/XX/XXXX. In the case XXXX Vs XXXX XXXX XXXX XXXX, the U.S. District Judge XXXX XXXX , a Pennsylvania federal judge has clearly given a Judgement that even a loan is modified, the original contract, the original PMI Disclosure Statement is part and parcel of the original contract and another Disclosure Statement based on the modified loan can not be given. Nationstar Mortgage was referred the above Judgement, still they are not refunding the excess collected from the date the LTV reached under 78 %. My loan account number with them is XXXX. Thanks XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX GA XXXX.
Consumer complaint received 2017-08-06
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: NATIONSTAR MORTGAGE LLC (NY)

Nationstar Mortgage and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX   have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for Nationstar Mortgage provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX   maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement, Nationstar and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
Consumer complaint received 2023-10-29
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. (NC)

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, 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 2023-11-20
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Harley Davidson Financial Services Inc (TN)

Our account was in collections and we had the motorcycle for sale through a dealership. We ordered a payoff on a Saturday and they said they would send it, never did. Took over a week to get the payoff and it had a per diem. Got the vehicle paid off using the per diem and then they wanted an additions {$240.00} dollars. EVEN THOUGH it was not on the payoff. I have attempted to rectify this situation for over a year and they don't care. There were so many things they did which were illegal but I did not have the calls recorded. I will NEVER use HD financing ever again. Even though I showed them the payoff and the per diem listed for the 10 days ( and it was paid off in 10 days ) they would not honor it. Now this collection is causing employment issues. I've got to get this corrected. 

XXXX XXXX XXXX out of XXXX, TN was involved in this and they even said it was the worst they had ever experienced. Somehow they got the title and XXXX XXXX XXXX still shows I owe money. How is this possible?