davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Completely ignored the fact that I was double charged on the same transaction and then they stole the refund from the merchant as if that was a fix for the double charge when it was actually a refund for the returned merchandise!!! They have nobody clearly working in the company who can do the math or see that I was double charged and the refund has nothing to do with them fixing double charge, but it is for the returned item!!! For the whole year they are not even able to read or do the correct math except trying to steal the money from me!!! Double charged for the same transaction, let them know XXXX times, disputed and all, but they continue to ignore it and stole my refund which the merchant provided for the returned item!!!
Consumer complaint received 2023-11-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I applied for an auto loan in private and in good faith, and I was denied. I sent a letter to Bank Of America to resolve the issue but they ignored my efforts. I have exercised my God-given right to extend my credit and that has been violated. Also, there is an inquiry on my consumer report, which is proof of a credit consumer transaction that took place. That transaction did not include me, because that was a transaction between Bank Of America and the consumer reporting agencies. That is fraudulent activity. I have never given explicit verbal or written permission for Bank of America to report on my consumer report. With that explained, my right to privacy has been violated as well. The loan denial is proof of discrimination, and the only resolution is for Bank of America to open my credit account for my auto loan and compensate me for violating my rights and causing me emotional distress.
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I took my home mortgage through XXXX XXXX and eventually the home loan was sold to Wells Fargo. During my interaction with XXXX XXXX, I was told that my PMI will be removed if my home value is equal to or below 78 %. Currently my LTV is less than 78 % of my City 's appraised value. 

When I spoke to Wells Fargo, I was given 4 options and the most likely option that will enable the PMI to be removed says my LTV has to be 75 % which is misleading and unfair and not in accordance with terms I was told during the loan process.
Consumer complaint received 2024-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (AZ)

I am not liable for this debt with XXXX. I do not have a contract with the collection agency, Jefferson Capital Systems , LLC, trying to collect the alleged debt and Jefferson Capital Systems , LLC did not provide me with the original contract as requested. The debt was paid by my insurance company years ago.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX XXXX I sent in a letter to TransUnion. I sent disputing the validity of the 2 bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX, I went directly to XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I have also attached the doc. I then went back to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of the year XXXX.I also filed a company and it came back. This information has not been verified because its no where to be found to verify it. This information is false on my credit report. I showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report within 30 days. This is my second time complaining with you all. I need some investigation done for me on this. I have a letter from the court a well and they do not give this information. I need proof from how this is verified or it needs to be deleted immediately
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

I had went to the XXXX  XXXX  hospital  on XX/XX/2016 and I was fully insured with XXXX XXXX XXXX XXXX. Due to faultiness on Hospital end they did not bill my insurance correctly and thought I owed them money. Once I brought it to their attention that I did not owe them any money and that I was fully covered they then fixed their error and gave me a statement along with Phoenix Financial Services showing that I have a XXXX balance because I never owed anything. The director has also reached out to them with no luck to get them to stop trying to collect a debt that is not owed. The origninal Creditor name is XXXX XXXX XXXX  and the reference number is XXXX. They have been calling me non stop making very threatening calls and will not understand that both me and the director of the hospital has spoke with them and told them this bill is not owed and they need to cease and desist billing me.
Consumer complaint received 2022-12-05
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-01-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (PA)

I purchased this vehicle XX/XX/2018 under the impression that there was a 3 day return policy which was advertised on the website and conveyed to me prior purchased. I returned the vehicle XX/XX/2018 they then advised me that the warranty didnt apply to this vehicle which I was unaware of. I took the car back and they threatened me that my credit would be at risk. They refused to take the car back and basically forced me to take the car after I advised them I didnt want the vehicle. They forced the vehicle on me only to find out there was over {$1500.00} in repairs that was undisclosed. And this was discovered 2 days after purchase. I want them to take back the loan and to make me whole again.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEM INC has been reporting an negative account on my Consumer report since XXXX XXXX  with attached balance of {$3200.00}. I do not know who this person is/are and have not given permission to to obtain any of my personal data. This leads me to confusion particularly to how said debt is owed. The said debt is being verified by XXXX, XXXX, and XXXX somehow as valid. I have disputed the issue with all bureaus and have not been successful in resolving the matter. In addition to multiple letters sent to XXXX XXXX XXXX # XXXX, XXXX, TX XXXX which resulted in being returned and XXXX XXXX XXXX. XXXX, GA XXXX with no response. Interestingly the Bureaus have been able to communicate with NATIONAL CREDIT SYSTEM INC and confirm said debt is valid. Per FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) items excluded on a consumer report include a report containing information solely as to transactions or experiences between the consumer and the person making the report. NATIONAL CREDIT SYSTEM INC, XXXX, XXXX, and XXXX are in violation of the law by reporting such transactions. Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena. 2. In accordance with the written instructions of the consumer. 3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation. f. Otherwise has a legitimate business need for the information : i. In connection with a business transaction that the consumer initiates ; or ii. To review an account to determine whether the consumer continues to meet the terms of the account. iii. In response to a request by the head of a State or local child support enforcement agency ( or authorized appointee ) if the person certifies various information to the consumer reporting agency regarding the need to obtain the report. ( Generally, this particular purpose does not impact a person, such as a financial institution, that is not a consumer reporting agency. )
Consumer complaint received 2022-12-05
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-08-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX and Experian continue to report an alleged debt that is inaccurate. 

Medical debt that does not exceed {$1000.00} can not be reported. 

The reporting agencies must maintain 100 % accuracy and this account does not meet those standards. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account # : XXXX XXXX
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/26 XXXX Car rental over charged {$200.00} claiming I returned the vehicle late. I did not. I disputed the charge with Goldman Sachs ( Mastercard ) and on XXXX they charged me back the {$200.00} and claimed that they sided with XXXX. I called and asked for an appeal, they said they will appeal it and get back to me within 90 days. Today 90 days later I have not heard anything from them. I called them and asked for an update and there was no record of my appeal. They said I can not appeal the decision unless I have new proof. I told them XXXX will not call me back, and I can't get any proof ( The return was late due to the return area gate was down ) XXXX will not acknowledge this.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Step 1 : What is this complaint about? 

Unable to freeze my credit : Trans Union and XXXX  Step 2 : What type of problem are you having? 

Trans Union and XXXX both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX XXXX services. 

Step 3 : What happened? 

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times. 

Step 4 : What company is this complaint about? 

Trans Union and XXXX Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. Trans Union and XXXX  know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.
Consumer complaint received 2023-08-13
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. (FL)

I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under 5 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), with a corresponding FTC report on file.I have taken immediate action to address the identity theft by contacting the appropriate authorities, as well as by diligently following the guidelines outlined by the FTC. It is therefore imperative that my rights under the specified U.S. Codes are fully recognized and upheld by your agency.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$630.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (TX)

Data X an Equifax Company shared my information with XXXX XXXX without my authorization or consent which led to me being denied credit my privacy was violated by Data X and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy
Consumer complaint received 2024-04-24
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: Exeter Finance, LLC. (MS)

I am stressed and displeased that i see this negative, unauthorized fraudulent account on my credit report. This is really damaging my credit worthiness. I am trying to start a business for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months age so I figured you all would protect my consumer report. I do not feel my information is being protected. This is defamation to my character and is a federal law violation. According to 15 U.S.C, 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I AM upset!! I AM depending on the banking system and credit reporting agencies to promote my privacy and fairness and they haven't. This is not right, going against my federal consumer rights, causing emotional and mental stress. Also, it is illegal, neglect, and fraud for companies and should not be furnishers of people 's information to 3rd parties. I have reported this to the proper legal departments. Including FTC. This is negatively affecting my livelihood and putting me in a bad space. These companies and credit bureaus can be sued. I feel your database is inaccurate and I am thinking about filing ligation, if negative items are not removed IMMEDIATELY. I am suffering.
Consumer complaint received 2022-11-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/XXXX contacted transunion stating XXXX XXXX is reproting incorrect information. 
Contcted XXXX and XXXX as well. All 3 XXXX XXXX loan accoutns were discharged through XXXX. XXXX XXXX has refused to comply with Credit standard and states this is a charge off in stead of included in bankruptcy. extended date to remain on credit report from XX/XX/XXXX to XXXX XXXX with this being inaccruate information it is to be removed from all thre credit rerpotong agencies. 

This has caused a lowering of my credir score. 
XX/XX/XXXX applied to XXXX credit was denied ststing I hsve a credir score from Transunion of XXXX. This is incorrect it shold be XXXX.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I totaled my car in XX/XX/XXXX. I have GAP insurance. XXXX XXXX offered to do the full process for me. My insurance ( XXXX ) paid up my account until XX/XX/XXXX so that it would give XXXX XXXX enough time to file my GAP report, but it is now XX/XX/XXXX and it is now reporting on my credit report that I am late on my car loan. I have reached out numerous times to get this matter resolved but I have been hung up on numerous times. It has been over 6 months and the issue still have not been resolved. This situation has caused me great stress and it has affected me mentally and financially.