davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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: Bread Financial Holdings, Inc. (VA)

I have an account named community bank/jared XXXX XXXX on my XXXX credit report this is the first XXXX digits of the account number XXXX I do not have the last XXXX digits of the account number sorry. you are in direct violation of the fair credit reporting act has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

After going into the bank to withdrawal money from my checking account, my funds were frozen. The funds that were frozen were from a wire transfer from a real estate title company ( see attached ). 

Prior to going into the branch, there was no hold placed. When I went into the branch, the teller told me that I could not withdraw any funds because the wire was in pending status. She began to interrogate me as to what the money was for. 

I called the branch after learning that my funds were no longer available and was told that the wire was under investigation. 

I believe that this is discrimination. It wasn't until after I went to the branch that my funds were placed on hold. I am going to seek legal remedy in this matter as it had prevented me from moving forward with a major transaction and caused late fees for other financial obligations
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NJ)

I went to XXXX XXXX XXXX in XXXX XXXX, NJ at XX/XX/XXXX. I used Apple Pay. I was charged XXXX, with XXXX being credit transaction fee. The charged showed up on my Apple card statement, so I have cleared the transaction. On XX/XX/XXXX, I was informed by XXXX XXXX XXXX that they only received XXXX XXXX  out of the XXXX XXXX Further I am being charged in their forthcoming bill. I contacted Apple and they said I was only disputing XXXX XXXX  instead of XXXX XXXX After escalating to their advisor, they claim this was a mistake and I really paid XXXX XXXX But this does not explain where the XXXX XXXX  in dispute coming from. No one contacted me afterwards to clarify. Now I am facing a XXXX XXXX  unpaid bill. I tried to contact XXXX XXXX XXXX but I was told that the billing department was short ( of people ). 

I think I need some help from you to resolve this. I already submitted my proof of payment to XXXX XXXX XXXX and Apple, but no response so far.
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

On XX/XX/XXXX, I purchased a Used Vehicle from USAuto. a XXXX XXXX XXXX that came with a Warranty and also an extended Warranty. On XX/XX/XXXX my car stopped at a red light and never cut back on. I reached out to the warranty company XXXX and was advised to have the Vehicle towed to the Nearest XXXX XXXX to have it evaluated on that following day when they opened. that Sunday the XXXX I received a call from XXXX XXXX giving me a number to call about the Warranty coverage. It was not the Warranty Company. it was Westlake Portfolio and they informed me that they were a debt collector company and they have taken over all accounts from USauto.I was also informed that USauto had filed Bankruptcy. I explained to the rep that my car was in the shop and the bus bar and wiring harness that needed to be replaced was covered under warranty. I was then informed that they would not honor the warranty that I was actively paying for in my car note bi-weekly and I would need to make arrangements to pay they XXXX out of pocket and a new car note. I asked for proof that this company had my contract since it was a debit collector, and I was not pass due with the any Usauto payments and I never received anything. My Credit Shows that the Account with USautosales is closed paid in full now, Westlake is now coming after my credit every other day saying that I have a contract with them and again when asked to provide the contract I never get it, all this over a car that does not run, nor do I have possession of. If I am paying for a warranty and the contract is sold the Warranty should be valid and Westlake is not honoring the Warranty and I do not have any type of pf contract with Westlake. My credit score has dropped XXXX points in the past few months because of Westlake.
Consumer complaint received 2023-11-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (GA)

I entered into a consumer credit transaction with American Honda Finance Corporation on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, American Honda Finance Corporation took cash as shown in the attached documents. The finance charge also includes insurance, but i was made to purchase my own separately.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (AZ)

On XX/XX/2021 I started receiving text messages, saying my phone number and email were changed for the account so I immediately called customer support to inform them my account was getting hacked during the time I was on the phone I received my direct deposit then while I was on the phone, they transferred my money and took it all out of my account, which I believe since Im informing them that my account is getting hacked it shouldve never let any transactions go through but they did and when I filed a dispute, they denied it
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (MI)

Mr cooper neglected to forward my mortgage payment information to the credit report companies and my credit score went down exactly 100 points. I have never paid my mortgage late, in fact it is paid up all the way through to XX/XX/XXXX ( today is XX/XX/XXXX ) .I have also paid substantial amounts each month to the principal. My co-signor and I both live in Michigan and our car insurance uses our credit score to set our rates. This credit information needs to updated immediately to prevent this from  happening. Also my credit is completely tied up because it shows it as being poor. Please help.
Consumer complaint received 2023-10-26
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2023-07-08
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. (MN)

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I was called by Genesis Credit Management/Columbia Debt Recovery XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX phone : XXXX ) at XXXX on XX/XX/XXXX regarding a debt that I never received noticed of for {$200.00} ( but on the phone the representative said it was {$210.00} ) that was sent to the collector by XXXX XXXX XXXX  for XXXX` damages ''.

I asked what I could do, because I was never notified by mail by either the collector or the apartment complex itself ( I have not lived in that apartment for 4 years and received my whole deposit back after moving out ). I received an email on XX/XX/XXXX from the collector, however it did not state what the company was and looked like a suspicious link. I was not told that I could dispute this action or ask for proof, despite me asking the representative multiple times what I can do in this situation. I also told the representative, XXXX ( direct phone XXXX ), that I won't be able to pay until I get paid which is XXXX  XX/XX/XXXX, and she said " you're lucky I even am doing this for you '' " you should know better '' and " you will have to pay now or I will be send this to the credit bureau and that won't be good for you. '' I was also told that no, they could not call me back, and no they can not send me an email or a letter regarding this debt. 

I paid the {$210.00}, so I'm also not sure if I was overcharged.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

The car was repossessed and sold at auction. Therefore I no longer owe this debt. I also sent Capital one a validation of debt letter 30 days ago via certified Mail and they have yet to validate the debt
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint last XXXX, XXXX and XXXX, XXXX. The companies involved responded. Some got deleted but there are still fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping thatXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these disputed items get corrected.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a complaint last XX/XX/XXXX. Companies involved responded and deleted some fraudulent items but there are still fraudulent items remaining. I submitted a complaint dated XX/XX/XXXX and XXXX, XXXX and it was closed immediately. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-03-15
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. (PR)

Experian reports a account that dont belongs to me. I request several times to resolve the issue and his decision is always that it belongs to me and Experian never sends any documentary evidence with my signature that ensures that the account belongs to me. 


" The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate ''.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-07-08
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)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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 an account without my written instructions.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

Chase closed my credit card account today ( ending in XXXX ). They won't say why other than 'unusual activity '. I have no idea what that means. My wife and I use the card for family expenses, definitely nothing illegal. OK fine, they can close our account, but THEY JUST CHARGED ME {$520.00} on XX/XX/XXXX of 2023 and they aren't refunding my annual fee or pro-rating it in any way. What??? Please assist me in getting my annual fee back for a card they won't let me use for reasons they won't disclose
Consumer complaint received 2023-11-02
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (TX)

Colony brands have been sending broken items not sending items for the last few months. They even shipped my shoes to Florida and shipped a lady from Floridas shoes to me. Me & the lady connected on XXXX. I will contact colony branch to return these items. This last time Colonie brands didnt wan na pay for a box to ship a chair back that was damaged. All of a sudden, my account is basically closed without my knowledge after colony brands gave me a credit increase. This company is now reporting to the credit bureau that my credit limit has decreased, which would decrease my credit score and this is false information. Call me branch stated that they can not please me as a customer because I wont accept their broken items or damaged items. I am OK with my account closing, but lying to the credit agency, saying that my credit line decreased because of something that I did wrong is lying, and it is against the consumer reporting act. I am OK with colony branch closing my account out, but you will not report to the credit agency negative on my behalf. XXXX my balance out on XXXXXXXX XXXX XXXX XXXX  and we can call it a day. You will not pass report to the credit agency negatively on my credit because youre products dont come to my house and when you do send the products, I get them broken or missing items. I will take this legal, it is a violation and I would not have it
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I have sent American Express numerous of letters and evidence to remove the inaccurate late payments off my report and they have ignored all of my attempts and continue to violate the consumer laws of15 U.S. Code 1681n - Civil liability for willful noncompliance and also15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

Our loan was sold to another mortgage company and the balance of our loan raised from XXXX to XXXX. When I called and asked for a pay off on this loan I was told that it would be XXXX. They also say that we are behind on the payments, yet we have been making a payment a month, plus 2 months we made double payments because they said we were behind. I have researched this company and they have a lot of complaints against them. When you call to talk to someone it is automated and if you do get through then you have to leave a message and they never return your calls. This is very up setting because our original loan was for XXXX in 2001 then it went to another company and then another company and now to this company and we still owe almost as much as we did when we first got the loan. Also the interest rate was supposed to be fixed and it has raised. We need help and so does a lot of other people.
Consumer complaint received 2023-08-24
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. (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.