davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (AZ)

On XX/XX/XXXX I used XXXX to finance the purchase of a XXXX XXXX XXXX from XXXX XXXX AZ. The loan amount was {$760.00}, XXXX passed the loan to Monterey Financial ( Account XXXX ), and I paid it off XX/XX/XXXX. 

XXXX days after paying off XXXX XXXX Monterey ( Account XXXX ), I applied again through XXXX, XXXX again make a purchase from Tactical Studio AZ and again purchase a XXXX product XXXX this time a XXXX Prodigy XXXX I was approved XX/XX/XXXX to borrow up to {$2000.00} from XXXX. I then completed the XXXX XXXX purchase through XXXX XXXX AZ for {$1400.00}. 

I received notification that my loan was once again sent to Monterey Financial ( Account XXXX : XXXX ), and upon logging in to manage my loan I saw Monterey showed my balance as {$3300.00}. I then sent them an email with my receipt and asked them to correct the balance, to which they responded the lease amount was correct. 

This is when I realized Monterey Financial had engaged in intentionally deceitful lending practices to obtain over double the amount of a purchase price, as well as finance over {$1300.00} more than I was approved for. 

I immediately called and told Monterey Financial I had no intention of entering into a lease, I did not even think a lease in this scenario was possible, I expressed I didnt even understand what they meant by lease, and that because I felt they intentionally deceived me I would like to turn in the lease. Monterey advised that I would need to contact XXXX XXXX AZ. Frustrated, I called XXXX XXXX AZ and informed them I was unhappy with XXXX partner, Monterey Financial, and I would like to turn in my lease. XXXX XXXX AZ informed me, they do not have the ability to return a firearm as it is a federally, serialized, registered product. 

Monterey Financial intentionally deceived me into a financial product that I didn't even know existed or could exist, in order to loan me more than I was approved for, with financing in excess of double the cost of the actual purchase amount. They were able to do this by simply stating you signed in agreement, which is not true. I signed in absolute confidence and trust, that I was mimicking the loan I had paid off just 4 days earlier, by purchasing from the same retailer ( XXXX XXXX AZ ) using the same financial service ( XXXX ) for the purchase of a product from the same manufacturer ( XXXX ).
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-20
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: Mr. Cooper Group Inc. (NY)

My mortgage loan had matured on XX/XX/XXXX Ive been given several different pay offs amounts different amounts turned into the credit bureau. I tried asking for detail starement one Rep said theyll send it and never did then another Rep said they would sent it and I still hadnt received anything then months later I get told by a rep that I have to send it in writing which I did certified mail I received confirmation that they received my letter on XX/XX/XXXX XXXX also working with XXXX XXXX and Legal Aide on this matter. XXXX XXXX through XXXX XXXX also sent an Email requesting the same information on XX/XX/XXXX On XX/XX/XXXX Rushmore services called and I had spoken with XXXX XXXX XXXX XXXX say they received my letter and they also received XXXX XXXX XXXX, XXXX stated XXXX had mailed out the information? I told her neither me nor XXXX received anything as of XX/XX/XXXX she then stated she would Email Us both with the information we requested, and mail a copy out to mail? As of today XXXX XXXX I nor XXXX XXXX had received anything by email from XXXX XXXX or XXXX servicing however I did receive a letter stating my loan was in the process of Foreclosure on or around XX/XX/XXXX XXXX cant remember exactly the date but the letter from XXXX was dated XX/XX/XXXX They knew I was asking for information regarding the charges and balance of my mortgage loan and they know XXXX seeking help from other resources yet they havent complied with anything they agreed to or what I requested. I want answers as to why I even have a XXXX balance and why I have over {$3000.00} in miscellaneous charges? Ive tried to upload Documents and my information but for some reason it wouldnt upload my documents? But I do have documents of Email requesting information and a copy of my certified letter copy of where I mailed it and the receipt from post office and a copy of them receiving it. And any other documents to orove my claim. XXXX
Consumer complaint received 2023-04-17
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Torres Credit Services, Inc. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX, XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I'm tired of sending complaints to your company my money was wrongfully took over fraudulent deposits which there is no evidence to prove that it was me I want my money back the money was frozen an took from my account I will obtain a lawyer and sue wells Fargo wells Fargo has history of taking peoples money wrongfully an not giving it back so either my money is returned or I obtain a lawyer I will continue to file complaints with the cfpb until my money is returned
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Auto Finance sent me a 1099c Cancelation of Debt form to file with the IRS but have recently placed my account in delinquent status. If the debt was discharged and and a cancellation of debt form was sent to me, then I should no longer be liable for any balance of the account. My credit score dropped over XXXX points for Capital One incorrectly reporting this information to the credit bureaus. I have tried to solve this issue with Capital One, but the agents do not seem to know about anything that I am speaking about. If I still have to pay taxes on the debt to the IRS for the cancellation of the debt, the debt should show as canceled and no balance should be shown. I was sent the 1099c Copy B on XX/XX/2023 but this delinquency was reported on XXXX XXXX. I will upload a copy of the 1099C form that I was sent, and I want this to be resolved and the balance to be XXXX out.
Consumer complaint received 2024-07-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (LA)

I dont recognize this lender DIVERSIFIED ADJ SVC and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION (DC)

A LigthtStream ( aka Truist ) representative called and emailed me to tell me that I did not qualify for their modification program because my balance was not low enough to extend the loan for 24 months. The rep told me that Lightstream applied most of my payments to interest payments and only allocated small loan balances to my principal balance. 

Question? Why offer this program to consumers and then tell them we are ineligible for it? A company representative emailed me : We regret that we can not approve your request for the following reason ( s ) : Insufficient payment reduction is available. This program misleads the customer. The company used the bait-and-switch tactic on the consumer. I qualified for the program online and was approved for a 12-month modification program to reduce my current interest rate of 15.74 %. 15.74 % is a high rate. 

It's disconcerting to learn from a Lightstream representative that this program was a pilot designed to test how the consumer would respond. Why would a company 'test ' its consumers this way? It raises serious questions about the company 's intentions and practices.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Within the last XXXX  years I have had prsonal loans that I have REFINANCED multiple at least once a year. All closed loans due to REFINANCE are still on credit report. CLOSED ACCOUNTS have a DERROGATORY AND NEGATIVE impact!!! Reporting bureaus REFUSE to remove closed accounts, and even hold them on report for XXXX YEARS!!! XXXX YEARS of NEGATIVE reporting and XXXX YEARS of credit denial from anyone looking at credit history!! Every single credit DENIAL letter i have received was due to CLOSED ACCOUNTS for the most part!! This needs to change and credit bureaus need to STOP REPORTING NEGATIVE INFORMATION UNDER FALSE PRETENSES!!!
Consumer complaint received 2024-07-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp (TX)

I noticed a dip in my XXXX score on XX/XX/XXXX. After checking with credit bureaus, found out that there was a collections debt reported to XXXX for {$120.00}. The details state that this debt was delinquent as of XX/XX/XXXX, assigned to Property Receivables Corp in XX/XX/XXXX, and reported to the credit bureau on XX/XX/XXXX. At no point was I contacted in any way, shape, or form in an attempt to collect this debt. I have not received official letters, phone calls, emails, or any other form of contact regarding this debt. There has been no attempt to validate the debt or provide proof that the debt even exists.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I open a checking account in Well Fargo bank online on XXXX XXXX, and it claimed that new customers open an eligible checking account with qualifying electronic deposits can got {$320.00} bonus, so I opened a new checking account, and I have fulfilled its requirement, but the bonus have not deposited into my account after 90 days, when I call the bank 's hotline, they said I was ineligible for the bonus, but when I open the account it said my newly-open account was eligible for the bonus.
Consumer complaint received 2024-08-26
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-27
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. (WA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/XXXX and I have not yet received a response.
Consumer complaint received 2023-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I have been a victim of a massive identity theft. Venmo allowed hackers to access my account and attach all my credit cards and debit cards and stole all my money along with creating other accounts in my name and has made no attempts to reemberse my money
Consumer complaint received 2024-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I made a reservation via the Capital One Travel portal for the XXXX XXXX XXXX XXXX XXXX ( confirmation XXXX ) for check in on XX/XX/XXXX and check-out on XX/XX/XXXX. This reservation was for two Double Rooms ( non-smoking ) and booked using the Capital One Venture X. 

On XX/XX/XXXX at XXXX XXXX  ( local time ), I checked into the hotel but was told by the front desk staff that the reservation was for two smoking rooms and that we would be assigned to two smoking rooms. I pushed back, noting that I had reserved a non-smoking Double Room and requested this. The hotel said they could give me one non-smoking room, but there was no availability for a Smoking room. The front desk staff also showed me my reservation on their system, noting that a Smoking room was reserved. They were unreceptive to my concerns that I had originally booked a non-smoking room on the Capital One Travel portal, and they declined requests for compensation and room changes. They also noted that I could choose to cancel the smoking room, but would still be responsible for the cost of the room as the reservation was non-refundable. 

I called Capital One XXXX at XXXX XXXX  to discuss the situation, first seeking verification that I had, in fact, reserved a non-smoking room. The agent and I agreed that this is what I reserved. The two options for reservations for Double Rooms include Double Room and Double Room, Smoking Allowed. ( see attached screenshots ). The agent noted that the original reservation was, in fact, for a non-smoking room, and we are confused as to why the hotel is not honoring this request. This is of particular importance to me as a member of my traveling party is allergic to smoke and living in a smoking room would pose a significant health hazard. 

I requested a refund and compensation from the agent but she said that Capital One can only provide a refund if the hotel agrees to it. Since the hotel staff refuses to even acknowledge the original non-smoking reservation, they will not provide the requested refund. This is disappointing, as I explicitly booked two non-smoking rooms and my request was not honored and I am not receiving any compensation to cancel my booking and stay at a new hotel.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Accounts more than 7 years and 180 years old continue to be listed on my credit reports. There are 2 accounts in collection status and 20 closed, charged of, or accounts that show a current balance that are older than 7 years and 180 days old. The dates on all these accounts continue to be updated by the original creditors so it will appear they are not old enough to be removed and are never dopped from my consumer reports.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from TransUnion, XXXX, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-10-17
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX XXXX Date of Inquiry XX/XX/2024
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts ' transactions and charges are all fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. This has been really stressful, it's negatively affecting my overall well being
Consumer complaint received 2024-10-17
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)

I am writing to formally dispute the re-insertion and inaccurate reporting of the following accounts on my credit report. Despite previous disputes and successful deletions, these items have been reinserted without the required notification under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ). 

The following accounts have been re-inserted or inaccurately reported on my credit file : XXXX. XXXX XXXX  ( XXXX and TransUnion ) Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280000.00} High Balance : {$300000.00} Payment Status : Late 30 Days Last Payment : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Account Details Omitted XXXX. XXXX XXXX  ( TransUnion ) Account XXXX XXXX XXXXXXXX Approximately 30 days ago, I requested an investigation of these accounts, and I received a notification stating that the investigation was complete and the items were verified. However, I did not receive any supporting documentation or proof of verification, as required by law. To further support my dispute, I am submitting a police report indicating fraudulent activity, which directly impacts these accounts.