davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NY)

The vehicle is inoperable due to extensive electrical/ electronic issues. Ive taken the vehicle to XXXX separate dealerships, and neither can repair. The last dealership did say they may be able to fix it, but its too expensive for me. Ive contacted Ally financial and they said previously I am not qualified for an extension or any payment assistance. I have decided to surrender the vehicle. Since XXXX, have called to set up the process and each time I speak to someone its like I didnt call the day before. Today, XXXX, I was hung up on. The amount of money Im paying for this vehicle I can not use, and the amount Ive spent for diagnostic has caused me to default on other responsibilities. I just want this car removed so I can rebuild. I believe the dealer, XXXX XXXX XXXX, knew of the issues, but sold this anyway. That will be with another complaint.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IL)

Discover Card representative called me today about an outstanding balance on   XXXX    c redit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with  Discover and have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with Discover bac k i n  XX/XX/XXXX . I infor med them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the  phone3  call today I 've learned that they did n't close out the card and that there ar e  XXXX  additional cards opened fraudulently with Discover. Their i nvestigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back i n  XX/XX/XXXX  that they were fraudulent. In  XX/XX/XXXX  I was  advised by  XXXX  to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need  these  XXXX   accounts closed as fraudulent.
Consumer complaint received 2022-10-31
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; 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 Date Updated 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TN)

Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to genesis here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my two XXXX card accounts.
Consumer complaint received 2023-05-24
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: Affirm Holdings, Inc (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXXXX/XX/XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXX/XX/XXXX Balance {$310.00} XXXX  XX/XX/XXXX XXXX : {$2400.00} XXXX XX/XX/XXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXX Balance : {$3700.00} AFFIRM INC XX/XX/XXXX Balance : {$530.00}
Consumer complaint received 2022-11-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Today XX/XX/2022 received phone call from Experian XXXX @ XXXX pm spent XXXX min on call with representative he indicated to me no mater what a court or judge says they dont have to comply with removal of such however they removed XXXX Collection PLEASE NOTE XXXX XXXXXXXX XXXX XXXXXXXX AND XXXX WERE DISPUTED AS WELL PUBLIC RECORD XXXX XXXX XXXXXXXX AT THE SAME TIME REGESTERED LETTER OVER 30 days ago still pending Experian has demonstrated poor ilegal practices as well indicated that third party XXXX replied to my dispute a proven lye SEE RECENT CORRESPONDENCE ATTACHED PRIOR
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Long story short : The mortgage servicer is receiving payments and this can be proven by HAF and they are not applying them. The award was in XXXX of 2022 and only one payment has been posted that was HAF. The rest of the payments were made by us struggling to do so. When confronted about it in a previous CFPB claim, the company stated : " Our Corporate Office received notification from an unauthorized third party that they were receiving checks in the mail from the HAF intended for our office. We have confirmed that the address being used by the HAF to send funds to us is incorrect. Our records show we have reached out to the state of Florida assistance programs to confirm the correct address to send payments to us, as well as to confirm your participation in the program in order to investigate your assistance payments, but as of the date of this letter, we have not received a response. Please note, the correct mailing address for payments from the HAF is : XXXX XXXX XXXX XXXX TX XXXX As of the date of this correspondence, your loan is current and next due for your XX/XX/2022 payment in the amount of {$2000.00}. '' This is absolutely incorrect and false information. There is no way this information can be factual because of the fact that the mortgage servicer has POSTED XXXXXXXX XXXX payment from HAF. The mortgage servicer also complains that HAF are " hard to reach '' and they " can not get ahold of them ''. Well this is because the mortgage servicer, Dovenmuehle is doing as little as possible to get anything accomplished. I picked up the phone and dialed the HAF call center number and immediately got connected. I had the HAF representative VERIFY not ASK me for the correct address. The address she provided was not only what Dovenmuehle is stating needs to be the correct address but is also what is on the XXXX statements that Dovenmuehle sends monthly. 

Dovenmuehle, please understand that we are in our final days of fighting the battle with you. IF you do not do something promptly about this concern, we will be taking you to court and suing for more than the allotted HAF award money. We are prepared to win. Please also be aware, we have many people in a group that all have their loan serviced by you and have the same issues. We are prepared to take this class action and are actively talking with a real estate attorney that is more than happy to take this concern seriously in court. Please be prepared to actually solve this issue, I do not want to hear a single excuse in the reply to this complaint.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (LA)

XXXX XXXX account XXXX Date open XX/XX/XXXX  balance XXXX and loan by phone/ XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX balance XXXX  both this debt was settled with collections and XXXX Equifax and XXXX will not fix after multiple disputes and have sent settlement papers and keep coming back verify without stating how they verify that debt was validated
Consumer complaint received 2023-01-07
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. (VA)

On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional ACC. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

I do not recognize this company and what they are trying to sue me for. I have NEVER borrowed from this company. This " tag team '' that these collector companies use to increase the original collector acquisition date. This needs to Stop. This completely illegal practice from these debit collector companies.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

This card shows activity and dates of activity that do not exist. All of the bureaus are falsely reporting information on a card that was closed immediately after I got it. The limit isn't even correct! This is why I repeatedly say none of the bureaus can be trusted to report information on anyone 's reports accurately. See the attached proof that this card was closed and NEVER used!!!
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

On XXXX XXXX XXXX  chime closed my account for no apparent reason and I still have not received none of my money I'm.being evicted from my home because they would not send me my money and still won't send my money which I really need then I had more money went to chime and they want send that either I want my money and it's not right that chime can do this please help
Consumer complaint received 2023-05-30
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. (LA)

Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX Bank and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with Trans Union, has the Account listed as In Collection/Charged off. This XXXX  XXXX Account cant be a Charge of because that means that XXXX XXXX Bank gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXX Bank is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to XXXX. XXXX has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For XXXX. 
XXXX Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXX Bank Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again
Consumer complaint received 2023-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Walmart, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ), 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 Section 2 : 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 a 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 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Date : XX/XX/2022 Total Amount : XXXX There were 4 times in 1 day my account got unauthorized transfer through XXXX to the same email address : XXXX. The receiver name is XXXX. I don't know this person at all. 

I normally will receive text message from BANK OF AMERICA whenever there is a XXXX transaction. I did not receive any notification from bank on XX/XX/2022. I talked to the bank after I realized the problem. But they said it was my fault and money was initialed from my device. I don't know how and why it happened. was my device hacked? or just the bank error? I tried to call the fraud department again and all I received " there is nothing we can help ''. I hope you guys can help me or at least I can raise my voice about this issue. Appreciate that.
Consumer complaint received 2023-05-24
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: ALLIANT CREDIT UNION (NY)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XX/XX/XXXX Balance : {$5000.00} XXXX XXXX XX/XX/XXXX Balance : {$15000.00} ALLIANT CU XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XX/XX/XXXX Balance : {$18000.00}
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

On XXXX XXXX XXXX XXXX reported to Experian that I owed {$680.00} and lowered my credit rating by XXXX points. My payment history on XXXX XXXX XXXX 1 late payment made on XXXX XXXX. All previous payments made by payfast are shown. XXXX report to Experian is inaccurate and unfair. I have never been contacted by XXXX for an overdue payment prior to this report.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (CA)

XX/XX/2023 - XXXX  XXXX XXXX XXXX XXXX On XX/XX/2023 I had cashed out to get some gas and another item. I go to use the card and it was declined. I tried to use the card again and it was declined a second time. both times at the cashier not at the pump. I called customer service to find out why my card was declined. Customer service blamed XXXX XXXX and the XXXX XXXX blamed the card company. After a very long wait I was told everything was worked out. I logged in to check my balance to finally continue with my purchase and there was a charge - & XXXX which did not make sense because the purchase should have been around XXXX that I did not receive items for. At this point I called customer service again. This time I was told there is nothing they can do and the money will be refunded to my account in 24 hours. This card company basically stole my money and have yet to receive my money back. Very strange the amount stolen from me is a higher amount than what the decline purchase would have been.
Consumer complaint received 2024-03-27
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. (TN)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 data is inaccurate.