davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (NY)

My lease vehicle was deem a lemon by NYS lemon Law arbitration on XX/XX/2023. In the decision Volvo was to refund my payments within 30 days and my lease agreement was void. I have been back and forth with Volvo since then. They acknowledged receiving the judgement but would not do anything more. In the mean time Volvo started reporting me late on payments for XXXX, XXXX and XXXX destroying my credit score. I have submitting proof that I am not responsible for anymore payments but they continued to report incorrect information to all three reporting agencies. I have tried to get it off my report but has been unsuccessful even with the proof.
Consumer complaint received 2023-04-14
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)

The late payments on my student loans are incorrectly reported for XX/XX/2017, XX/XX/2017, XX/XX/2017. I've already tried to dispute it with the company and creditor. I've sent in requested documents.
Consumer complaint received 2023-09-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC (CA)

When the mortgage rates were less than 3 % I applied to refinance. My mortgage rate is 6.5 % ever since XXXX held my mortgage. Shellpoint, the mortgage servicer for New Rez denied refinancing my mortgage. I had to call Shellpoint for the details of the denial. ( Shellpoint had sent me a denial letter without any details. ) My credit rating was very good, and I had paid my mortgage on time. The denial was new cause of student loans ; the total amount was used for a debt/income ratio. 

I had an agreement with XXXX to pay $ XXXX, and I paid it. XXXX is not asking me to pay the total listed student loan payment monthly. Even though I consistently pay 6.5 % on time monthly, Shellpoint denied refinancing my loan. 

Now I am XXXX old and need to work in order to continue paying my mortgage at 6.5 %. I do not want to sell, because the odds are very high that I would not be able to find another home. ( As you may know, California has a huge housing shortage ; and available housing is for very high earners. 

If I sell, I will need to move out of the country. At my age, I do not want to be far from family. There are no available housing for me. ( My mother was on several waiting lists for senior housing for more than 10 years. ) So, I continue to pay at 6.5 % because I didn't qualify for a lower rate. What more can I say, except I no longer enjoy living in the U.S. where I was born in XXXXXXXX XXXX in 1949. This country " XXXX ''.
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1992 Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 



I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 



I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being.

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-09-08
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX XXXX # XXXX IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-13
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

Countless times, during the middle of the night or later at night transactions have been allowed. Whether it is an actual card swipe OR something that is auto debited from the account. I have had countless situations where an automatic transaction will process at XXXX or XXXX and transfer the money from the savings to checking manually and still get a fee. Then when we cal, they say dont use your card if you dont have money the problem is, the money is there during the transaction. But their posting practices are so sketchy.
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (KY)

This is a second complaint. In regard to your letter of respectfully declining my request for compensation. Let me list the errors of your bank. First Error : loan was paid in full however you bank did not release the lien. Second Error : I went to Chase Bank in XXXX KY on XX/XX/XXXX then my lawyer contacted you XX/XX/XXXX because it was not resolved properly. Also by the time it was received and processed it was XX/XX/XXXX. Third Error : Your bank lost the paperwork not my lawyer nor myself. Fourth Error : It should never have take from XX/XX/XXXX until XX/XX/XXXX to research and resolve this issue. Therefore Chase Bank is the proximate cause of loses in the amount of {$2000.00}. This amount is in line with small claims so, if you don't resolve this I will file in small claims court in XXXX XXXX KY.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A transaction from XXXX XXXX XXXX submitted a withdrawal from my checking account with B of A ending in XXXX on XX/XX/XXXX, the overdraft protection from my other checking account with B of A ending on XXXX, did not apply it to acct. XXXX as it was suppose to. This happened XXXX months in a row in XXXX but I just now found out that I could dispute this problem that B of A caused me at that time and recently as well.
Consumer complaint received 2022-12-07
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. (SC)

I recently checked my credit report and it stated that on XX/XX/2022 a hard inquiry was reported on my Transunion AND XXXX Credit report from XXXX XXXX. I DO NOT have an account on my credit report nor did I apply for an account with this company. I called Transunion in an attempt to get the inquiry removed immediately due to it being fraudulent. Transunion refused to remove the inquiry which is now hurting my credit report and credit reputation. THIS INQUIRY NEEDS TO BE REMOVED IMMEDIATELY!
Consumer complaint received 2023-09-08
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. (GA)

I am writing to report a dispute I have with TransUnion concerning inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted TransUnion to address this issue, but as of the current date, I have not received any response from them. I am seeking your assistance in resolving this matter. The following are the details of the inaccurate information and the necessary corrections : Inaccurate Account Information : Account Name : XXXX  XXXX XXXX Date Opened : XXXX XXXX, XXXX Current Balance : {$25000.00} I would like to emphasize that this account is not mine, and I request its immediate removal from my credit report.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (TX)

Hello my name is XXXX XXXX XXXX, and Im making a report because I have become aware my father XXXX XXXX XXXX, has opened a credit card account without me knowing or having knowledge of the account. 

I became aware of the account XX/XX/2023. He spent {$2200.00} of the XXXX limit. 

Chase has closed the account, but I just want to make sure it wont affect my credit.
Consumer complaint received 2023-09-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (CT)

I was searching for a loan to pay my credit card off. I was contacted by XXXX XXXX of Prosper Funding # XXXX. XXXX told me to secure my loan that they would send me a check. The first check sent via e-mail was for {$780.00} which I was directed to put into my mobile bank account.The back of the check said ( For Deposit Only ). XXXX told me to get XXXX gift cards from XXXX and put {$380.00} on XXXX and {$390.00} on the other. When I gave XXXX the numbers for both cards he told me the second card for {$390.00} had no money on it. I called the XXXX Headquarters. They began an investigation but couldn't tell me why the money wasn't on the gift card. Then XXXX sent me via e-mail a second check ( For Deposit Only ) for {$980.00}. That money somehow was withdrawn from my account. My bank is doing an investigation of the XXXX checks which cleared in my account. My bank has put a hold on my account. My bank took {$810.00} from my XXXX check in my account. XXXX called me on XX/XX/2023 and said he was speaking to Consumer Affairs and if I came up with the {$390.00} he would get the hold lifted. The money I tried to put on the gift card is a XXXX issue. I explained to him that both of the checks sent to me were returned because they were not legitimate checks. I have contacted the XXXX XXXX XXXX, the Attorney General 's Office and Consumer Affairs and filed complaints with them. When my bank 's investigation finishes I will know where my bank account stands. I then called the Better Business Bureau and obtained the numbers for the Federal Trade Commission and the XXXX XXXX XXXX as well as the FCC. I have not filed a Police report because the gentlemen said I should wait until I have all my information to do a complete report. Then they can tell me if I have a case against XXXX XXXX loan officer and Prosper Funding for he XXXX returned checks.
Consumer complaint received 2015-05-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Whetstone Partners, LLC (FL)

A former room mate of mine put me as a personal reference on a loan for a company called " XXXX XXXX XXXX. '' It 's been over two years since he 's moved out and I do n't even know his phone number. I have told them this repeatedly and they call every two or three weeks asking me if I know where he is. They have been doing this for over a year now. They keep telling me the same thing, that he put me down as a reference. I never signed anything or even knew of this company until they started calling. I have blocked their calls on my phone but they still leave voice mails constantly.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank is PERMANENTLY closing a branch at XXXX XXXX XXXX XXXX, Georgia XXXX. This is wrong on so many levels. First this is a low income area and 60 %  XXXX and another 12 %  XXXX. The closest office they are leaving open to this low income minority community is on XXXX XXXX XXXX, high income area right beside XXXX XXXX an Ultra High income area. This should not be allowed ; the closing during COVID has put enough hardship on this community that has seen huge job losses and now Wells Fargo will take more good paying jobs away from this low income area. An investigation into their decision should be done and every effort to keep them open in this community should be made. How much money did the government give them to keep these jobs?
Consumer complaint received 2023-09-08
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. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information on account listed XXXX Account # : XXXX. 

Account Type - Detail : Educational Educational - Account Status : Open Open Transferred Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$60000.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XXXX/XXXX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (GA)

On XX/XX/XXXX, I began to make multiple payments of {$1300.00} on my loan. It was then that I found out that the XXXX insurance, Service Warranty, and Daily interest rates were unknown to me. On XX/XX/XXXX, I made a payment of {$1900.00}, which is another 3 months of payments. On XX/XX/XXXX, I made a payment of {$1900.00}, which is another 3 months of payments. I reached out to the company about the daily interest, and the warranty plan, and contacted the dealership when the company called with threatened tactics. I tried to file a complaint with the XXXX XXXX XXXX and could not find any information on the company. When I did research on the company, I found out that the same issues I was experiencing there were others, and a lawsuit was filed. On XX/XX/XXXX, and XX/XX/XXXX, I received several calls, after XXXX XXXX about my missed payments. I explained the multiple XXXX  in my family and asked if the missed payments could be put at the end of the loan. My email response was sent to XXXX XXXX and the calls became harassing and more threatening with ruining my credit, repossession of my car, and the calls began to be back to back all day every day. Today. XX/XX/XXXX, I have tried to refinance my loans with several other banks such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX and I was turned down due to my loan not being 60 months it's actually 84 months, even though my mileage on the vehicle is low to be XXXX, I have so many extra fees attached to the loan that no one will touch it. They can't find reputable information on the lender holder.
Consumer complaint received 2023-09-08
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (DE)

I have been disputing multiple charges for my purchase with Lowes last XX/XX/2023. The charge amounting to {$1600.00} was not accurate, as I was overcharged by {$1200.00}. I have already provided my receipt which clearly shows the difference between my balance due and what was charged to my credit card, but Synchrony has repeatedly rejected my dispute without any explanation as to why my documentation was not accepted.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

there is another dispute XXXX that was opened for a different account. I wish to make sure that both accounts are reviewed, corrected and updated.This is not a duplicate complaint. 

XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed XXXX vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York XXXX does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York XXXX law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXX copy of the ups details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO XXXX has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
XXXX more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.