davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

I leased a car with drive time in XXXX! I had an accident in XX/XX/XXXX, the car was totaled. In XXXX i signed a contract with XXXX to have gap insurance in my monthly payments. when the accident happened the company claimed they dont offer it anymore yet for some reason i was never notified of these changes and was still paying the fee of having it. The car was complete loss and i was in able to drive it i called my insurance they told me i had gap and to call them gap said i needed to call the insurance l. Both was giving a run around. I called XXXX XXXX  and told them what happened and asked them to come get the car mind you it was the end of XXXX XXXX they said they would come get it but i still needed to make the monthly payment. i told them im not making the payments on a car i can not drive and got into a new car the same week. I called them the next day and told them to come get the car again. ( still XX/XX/XXXX ) they let the car sit in my driveway until XX/XX/XXXX and was marking missed monthly payment until they came and got it and even a month after they came and got it. this company has multiple lawsuits on them for fraud and scams and I fell victim to it as well. the account was closed on my credit and for some reason it is back open. I volunteered to give this car back being as they broke contract with gap insurance. it is listed as an involuntary repossession and multi- month missed payment. this is all inaccurate information the account was listed closed on my credit after a dispute in XXXX and now it was changed from repossession to unknown as well as it says i made a payment on it in XXXX this account is closed on all other credit reporting companies. im not sure why it is being able to reopen. I added up all the payment on this car from the old portal and it said i paid XXXX when i called they said that was just the interest i still owed XXXX which is unbelievable
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc. (TX)

This company has purchased this debt from XXXX XXXX XXXX which was reported to you and removed. According to 15 USC 1692G It is illegal for a collection agency to buy your debt and come after you. I did not enter into any contract with this company. They have violated my consumer rights by making this purchase. They have obtained personal information from lvnv funding. According to the state that i live in which is Texas the statue of limitations has been far exceeded and no one should be attempting any collection on this account. The date of this letter is XXXX XXXX.
Consumer complaint received 2023-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (TX)

Today I spoke with XXXX who I believe I spoke to before under a different name while dealing with my repayment plan issue that I filed before. I was insistently told different amounts, due dates, etc that purposefully made me lapse on one of my repayment plans. I was told last month that I was only 1 month behind but they misapplied the lump sum that was paid in XXXX and now they are saying I have a balance. XXXX was extremely rude and when asked for a supervisor she refused and demanded that I tell her why. I told her that she was making me uncomfortable and put me on an extended hold until I hung up. I asked her for details of my escrow account and she refused by stating I couldnt access it right now. I asked for an amount. I would like to reopen my previous case as well bc I was sick  due to this stress.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (GA)

4 months ago I set up an account with Experian with the goal of paying for a single month for service both myself and my wife. The agreement was to pay XXXX for each account until I cancelled it by phone. After the first month expired I contacted the customer service number numerous times and have failed miserably. I have wasted no less than 10 hours on the phone trying to get to representative to no avail. In the mean time Experian has charged me the XXXX x 2 each month for the past 4 months. I would love to speak to a customer service rep, in order to cancel this fraudulent service and recoup my hard earned monies with the exception of the 1st month for which I have agreed.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX - sent USPS money order by priority mail ( tracked & insured ) to arrive by XX/XX/XXXXXXXX  to : Capital One Attn : Payment processing XXXX XXXX XXXX XXXX, NC XXXX. The payment was not overnight rush. USPS shows being received on XX/XX/XXXXXXXX  at that post office box. 

Capital One representative said that Capital one was not the only business to receive mail at that box number, the representative said to mail it to the overnight address - Capital one attn : Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

The previous month, the payment was sent early in the month to the XXXX XXXX XXXX and was not recorded as payment until the end of the month. I was charged {$25.00} for that month for late payment. I also had to pay an extra payment because it took 3 weeks for Capital One to recognize payment.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland credit obtained a debt from another credit company! Midland credit management also has obtained my social security and other personal information of me and is posting it online the debt from midland is account number XXXX! My debt was sold and personal information with out my written permission or knowledge In accordance with the fair credit report act, conversion act has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c section 604A section 2 it also state consumer reporting agency can not furnish a account without written instruction
Consumer complaint received 2023-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo was running a promotion in XX/XX/2023 to increase deposits at the bank. On XX/XX/2023, I took my lifetime savings and I opened a 5 month Certificate of Deposit ( CD ) at Wells Fargo Bank with the caveat that a bonus will be awarded after 90 days of the CD being opened. The bank specified that the bonus will be deposited within 30 days after meeting the 90 days condition. The bonus was never deposited even though we have met all the conditions. I was told that the bank needed more time to research why the award was not deposited. The bank asked for 10 business days to research the issue. After the 10 business days lapsed, they came back again and asked for another 10 extension to research the issue more. 20 business days have lapsed and now the bank is coming back and asking for another extension. Wells Fargo has all the information required to resolve this matter. After being with Wells Fargo for 27 yrs, I am disatisfied with how they are ethically running their promotion programs. It is not comforting to know that a large financial institution like wells fargo can unethically be so evasive and not meet its customers ' obligations.
Consumer complaint received 2023-10-17
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 (NY)

To whom it may concern regarding case # XXXX. The fraudulent transactions were for 2 purchases made at XXXX XXXX XXXX outside XXXX XXXX for {$3100.00} and {$3300.00}. 

I am requesting that the funds taken out of my account by criminals - or whoever committed this crime against me- are returned to me immediately. I have spoken to XXXX, XXXX XXXX and XXXX representatives who talked to me to understand my situation and helped resolve this matter for me favorably. Apple Card has been nothing but unhelpful on this matter and would not talk to me so I can explain my situation. 

In this report, you will find the following documents that I have used as evidence. 

A full police report that I submitted to XXXX XXXX from the XXXX XXXX Police Department outlining the crime committed against me A letter from Doctor XXXX XXXXXXXX XXXX outlining that I spent a night under XXXX XXXX XXXX following an accident ID Theft Report that I submitted to the Federal Trade Commission with details of this criminal act against me I have included various emails from both XXXXXXXX XXXX and XXXX XXXX showing Fraud Alerts that they sent me for transactions attempted by these criminals during the same time period. 
I also included letters from XXXX, XXXX and XXXX confirming that they ruled in my favor and refunded me for the fraudulent transactions when I disputed them Proof from XXXX XXXX that I traveled to XXXX from XXXX on Thursday XXXX of XXXX and returned on the morning of the XXXX of XXXX Some background information on me including a screenshot of my XXXX Profile and extended resume. I added this to prove that I am an ordinary and decent person and not a criminal or fraudster. 

I beg you to call me ( XXXX XXXX XXXX ) to talk through this and I can explain anything you need me to. I appreciate your help in resolving the matter. This matter has caused extreme stress for me during a difficult period of my life. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (VA)

Ive Submitted multiple request to the credit reporting agencies Who are in direct violation of 15 USC 1681 c-2. 

FAILURE TO REMOVE AND BLOCK THESE TRANSACTIONS WILL RESULT IN FEES OF {$1000.00} PER VIOLATION AS STATED YOU ARE VIOLATING MY PROTECTED CONSUMER RIGHTS
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I had applied for a credit card because in the past two years Ive lost income and I was losing everything I was paying off such as my car. I applied through capital one and was denied. The response was delinquent account on my credit report. I want to follow up with a discrimination case per Equal credit opportunity act as well as following up with consumer law.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (FL)

I mailed a letter to first progress card, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX. XXXX XXXX. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-10-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC (TX)

XXXX XXXX and Loan Depot assured all parties that the loan for the property in question had been fully approved without any further conditions, Under the agreement with the seller agent and the builder, the closing date was established and confirmed by XXXX XXXX  and Loan Depot, XXXX XXXX XXXX then requested an extent of closing date, stated Loan Depot needed more time to finish loan process due to the fact they had not received the survey and the Appraisal came in lower than the asking price, the seller agreed to extend, Right before the closing date I received a email asking me for additional documents which I submitted before the closing date, also was informed by the Loan Depot that this loan was conditional, after being reassured that there were nothing else needed before the closing date, I contactacted the XXXX XXXXr by phone with no call back on Friday XX/XX/2023, did not get a response or call back, on Monday XX/XX/XXXX I received a text from my agent stating the Seller had put his house back on market, due to the fact Loan depot and XXXX XXXX XXXX  informed them they still needed additional documents from Buyer, The Agent stated that loan Depot had assured them I had meet all conditions prior to closing and the closing date was firm, I believe this to be deceptive and misleading practice on behalf of XXXX XXXX XXXX XXXX XXXX  and loan depot, it cost me Time and money I paid {$650.00} for and appraisal and also I put up Earnest Money, The Seller has requested the termination of agreement due to this, XXXX XXXX XXXX XXXX on file # XXXX, Contact # XXXX, I have also requested a Denial Letter from Home Depot, have not received
Consumer complaint received 2023-10-17
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capital Link Management, LLC (KS)

Capital Link Management sent my sister a text message stating that my payment didn't go through. I had to block them from my bank because they kept trying to charge XXXX even after I told them not to. They sent a text to her at XXXX on XXXX. She is not listed anywhere on my account.
Consumer complaint received 2023-10-17
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. (MI)

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 regional acceptance I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I recently pulled my credit report and I noticed several inaccuracies in regards to my personal information. I mailed a letter addressing the inaccurate information this past Wednesday, XX/XX/2023 certified mail. I'm submitting this complaint simply as reassurance that it get corrected. You can find the letter attached within.
Consumer complaint received 2024-04-06
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. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion, XXXX, XXXX are reporting an unverifiable bankruptcy on my credit report. On XX/XX/year>, I spoke with a representative at XXXX and they confirmed I have NO bankruptcy on file. I would like each credit reporting agency to remove this bankruptcy from my report immediately. I have letters from the United States Bankruptcy Court and from PACER that they do not report to credit reporting agencies. There is no way for TranUnion, XXXX, XXXX, or XXXX to verify this.
Consumer complaint received 2024-04-06
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. (OK)

Recently I looked at a copy of my credit report and notced several inaccuracies in my account. This account is hurting my abilility to obtain credit.It is my understanding that you will investigate these tems for me to ensure accuracy. 


Here is the tem I am asking you to verify as accurate : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lac Courte Oreilles Financial Services II (OH)

This company is charging over XXXX  % interest that is against the state of XXXX law and is not licensed to loan in my state I contacted the company and withdrew XXXX and XXXX card authorization at the advise of an attorney and offered to pay back principal only but they want me to call instead of responding in writing. Due to the illegal loan shark loan I am willing to reimburse principal only.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have formally requested the closure of my Capital One 360 account since XXXX. However, despite the passage of XXXX years, the account remains active. I seek your assistance in expediting the resolution of this matter. This week, I made XXXX new requests to close the account and remove it from my online profile. I was informed that the account couldn't be closed because it was negative, but that is untrue. The attached statement shows this account as XXXX balance since XXXX Today, I spoke with XXXX in the management team, and here is the request number : XXXX.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-09-29
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. (NY)

I am writing to dispute the following information on my TransUnion consumer credit report : Four closed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX / XXXX accounts ) Collections accounts from XXXX XXXX XXXX XXXX XXXX I believe that this information is being reported illegally in violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA defines a " consumer report '' as any written, oral, or other communication of information by a consumer reporting agency ( CRA ) bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
However, the FCRA excludes certain types of information from being considered consumer reports, including : Information solely as to transactions or experiences between the consumer and the person making the report.

The four closed accounts and the collections accounts from XXXX XXXX XXXX XXXX XXXX are all examples of transactions or experiences between me and the businesses that are reporting them. Therefore, this information should not be included in my credit report. 
I request that you remove the inaccurate and incomplete information from my credit report immediately. I also request that you investigate the source of the inaccurate information and take steps to prevent it from happening again. 
Please notify me within 30 days of the actions you have taken to resolve this dispute. Thank you for your time and attention to this matter.