davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Case Reference Number : XXXX Dear XXXX XXXX XXXX XXXX I am responding to your submission to the Consumer Financial Protection Bureau regarding my XXXX XXXX XXXX XXXX account ending in XXXX. I appreciate your efforts to investigate this matter, but I must assert that several issues remain unresolved, and I believe federal law violations exist. Truth in Lending Act ( TILA ) - Title 15 USC 1601 : Requires lenders to disclose key terms and costs of credit for car loans. I did not see that or a copy of my notice of my right to rescind. I request my downpayment FOR VIOLATION OF Title 15 USC 1605 ( a ) & ( b ) My downpayment was not factored in the finance charge as on page 4 that you sent. Fair Credit Billing Act ( FCBA ) - Title 15 USC 1666 & Regulation Z ( 12 CFR Part 1026 ) & Discrepancies in Balance ( Title 15 USC 1639 ) : The balance listed in the document you provided on XX/XX/XXXX said the balance was {$310000.00}, which is not reflected on my credit report. The balance of page 15 of the document you provided stated the balance was {$4800.00}. my credit report, published XX/XX/XXXX, proves your response about everything being accurate to be false : They all show inaccurate information published by COAF, as stated in your response. Please see the highlighted portions. Regardless of COAF preference, the Equal Credit Opportunity Act ( ECOA ) - Title 15 USC 1691 et seq. protects me from COAF from continuously furnishing inaccurate information reflecting negatively on my protected class. Please provide the address from which the car was removed and the call to prove that my XXXX mail was non-deliverable and that I continued sending mail there. On pages 11 and 13 of the documents COAF sent, the Office of the President, XXXX XXXX XXXX XXXX, stated that COAF had my car because I broke promises in our agreement. Please describe the broken promises in our agreement. Also, please provide the deal made between COAF and me. Please see the three attachments : ( 1 ) confirming my identity, ( 2 ) from COAF, ( 3 ) from me, with evidence of the fraud committed against me
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (CA)

Affirm INC. filed a collections without my knowledge of what I was being charged, XXXX XXXX  which was the merchant was hacked and was able access my private files. XXXX XXXX as well was hacked during this time.
Consumer complaint received 2018-06-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (OH)

I am reaching out for assistance with a lingering matter with XXXX XXXX XXXX XXXX doing business at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

In XX/XX/XXXX I filed a complaint regarding excessive text messages and collection calls received from XXXX employees. At that time I communicated employees actively texted my cellular number of XXXX after I communicated I did not wish to receive electronic communications from the lender. 

Today, XX/XX/XXXX, I phone XXXX to request lien releases on my XXXX XXXX XXXX as well as my XXXX XXXX XXXX. The individual advised my request would be forwarded to upper management which lead to me being contact by XXXX legal counsel. 

During my conversation with XXXX  attorney I was advised I filed a complaint with the CFPB and did not respond and I could receive a release on my title if I paid an outstanding in 2 payments. Upon hearing this information I advised the attorney I did not owe any money to XXXX and in XX/XX/XXXX she advised the company would not reimburse me for expenses and fees incurred as a result of the repossession but my account would be closed and noted as paid in full. 

Attached are my phone records XX/XX/XXXX through XX/XX/XXXX showing phone calls between XXXX XXXX Ohio location as well as the XXXX legal counsel.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

? this incident was recently appointed to me 2 days ago .... i created a paypal account .... it automatically stated a rare activity that was recent from my other account i didnt know i had! you see transactions have been made and performed this month and last month with my name on a credit card or debit card im not to sure whats going on but i do know theres another account associated with my name my birthdate my social security number and there are doing unathorized transactions underneath my identity! i had told paypal to delete my current account and they supposed did but i had said why dont you delete every account with my social security and what not but since they cant spot out the true identifier of the account .. so idk any comments?
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and TransUnion are report inaccurate information on my consumer on my credit file and its affecting my ability to get personal things in my name that I need. I filed a dispute with both companies stating that there is inaccurate and fraudulent information being reported when it shouldnt be. 

XXXX XXXX  - XXXX XXXX {$580.00} XXXX XXXX XX/XX/2021 - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX, CA  XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was supposed to receive monetary relief from Capital One I never received my check it was supposed to be for {$1500.00} and security deposit refund of {$1000.00} I was supposed to receive it within 7 to 10 business days but it's been way longer than that and I have not received it if Capital One can kindly send out the payment they were supposed to send thank you
Consumer complaint received 2019-11-26
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: Nationwide Financial Group (TX)

Im the victim of identity theft and I dont recognize the account Nationwide is reporting on my XXXX  and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX  and XXXX  XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just became aware - only because I got a free credit report in response to ANOTHER correction - that I have a negative report that I have never heard of. I have never heard of this company or their " client '' and I have never received any kind of bill from them or other communication. 

The company is XXXX XXXX.
Consumer complaint received 2022-11-14
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. (DE)

I took a look at my consumer report and found that XXXX, XXXX and EQUIFAX is is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. The United States XXXX XXXX XXXX XXXX XXXX has verified that they are not and do not furnish bankruptcies to consumer reports. Furthermore, I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to XXXX, Equifax and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). My consumer report does not include a report containing information solely as to transactions or experiences which means the bankruptcy furnished is a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). XXXX, XXXX, and EQUIFAX has caused harm by furnishing inaccurate information on my consumer report. According to 15 USC 1602 ( p ) the consumer reporting agencies do not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. This transaction was not initiated by me which is a violation of 15 USC 1681b ( c ) and 15 USC 1681b ( 2 ). Without lawful authority, by using means of my identification the consumer reporting agencies are committing aggravated identity pursuant to 15 USC 1681a ( q ) ( 3 ). Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

My understanding is that when a company purchases a loan from another loan company, a borrower has a XXXX day grace period during which the borrower can not be charged any penalty or late fees due to late payment. Roundpoint Mortgage during their purchase of my loan also transferred the automated payment details from XXXX XXXX without any agreement by me. I was not given the ability to opt-out, nor did I approve Roundpoint 's processing of my automated payments. 

Additional details : Roundpoint Mortgage Servicing LLC NMLS ID XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (OH)

The car is undrivable and I want to release the Lein to get rid of the vehicle but they will not release the lein eventhough I was informed by XXXX at the one main office in XXXX Ohio that the lein could be released at any time. I have been making my loan payments
Consumer complaint received 2023-03-08
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IN)

In XXXX I received an auto loan from Wells Fargo in which they mishandled the payments I was making and not reporting to the credit bureaus from XX/XX/XXXX - XX/XX/XXXX. Also, they gave me a XXXX XXXX XXXX that had multiple recalls due to a number of serious problems such as engine stall, under hood fires, and overheating due to oil consumption, as well as abnormal sounds coming from the engine. While Im possession of the vehicle, I was in an accident due to one of the recalls ; vehicle stopped ( engine stalling ) while overheating and was then hit by another driver who failed to look towards my direction. Also Wells Fargo illegally repossessed my car after I agreed to allow a dealership to diagnose my car due to an extended warranty that I was unaware of. The event happened on XX/XX/XXXX. I never saw my car since
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

In accordance with the fair credit Reporting act XXXX Account. 
This creditor has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 

Along with hard inquiries as well.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (MA)

My insurance, XXXX, said I had out of network privledges. 
I went to XXXX XXXX XXXX XXXX XXXX in XXXX, when I loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Yes... XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have pictures for proof. 
I didn't even know if the hospitals ran the charges thru my insurance. 
When I called, XXXX said they did not run the charges thru them. 
The next thing know, I was receiving bills from XXXX XXXX XXXX XXXX XXXX XXXX 
I set up an automatic payment with my credit card, Just taking for granted the bill total was acurate. 
It was an automatic bill payment for several years that I had paid. 
You can check on that for accuracy. 
Then, there was fraud on my credit card account, which stopped payment on everything I had set up on automatic payment. 
There was never a problem until then. 
I just took it for granted that this was what I owed. 
I called the hospital and they said that these totals had never gone thru my insurance. 
I said, " Then what the heck am I paying for? '' This is when I was glad the fraud happened. 
Otherwise, I would never have questioned the charges from XXXX XXXX XXXX XXXX XXXX XXXX 
Please help, for God 's sake!!!! 
These hospitals are getting away with XXXX!!!! 

XXXX XXXX.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of. 

I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '
Consumer complaint received 2022-04-19
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. (IL)

In accordance with the fair reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

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

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

1. XXXX XXXX sent a letter of validation with no response account XXXX.

2.XXXX XXXX XXXX  account XXXX XXXX XXXX  3. XXXX XXXX account XXXX,
Consumer complaint received 2017-08-28
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: Neon Newco Corporation (NJ)

i had to go to an XXXX XXXX XXXX on XXXX XXXX 2017. while there, someone i rented a room from used one of my trusted devices to access my netspend debit card account, among other things, she blatently transferred {$200.00} from my account to her sister 's account. ( i checked from a payphone at the program ). After the phone inquiry, i opened a dispute. the company required me to send them an email ( not allowed in the program ) to get credited for the remainder of the investigation. Long story short. the company sent a letter with alot of transactions but not the main one in question and stated that there was no irregular usage of the card or account which was false as i had NEVER transfered any acount to account funds and that alone should have been a red flag. There is also the question of why wasnt that specific transaction shown in the original mail they sent ( they sent 2 to the program ). im finally out of the program now and did a follow up on the issue and appeal their decision. i got a response that i would get a reply in 48 hrs ... its been almost 2 weeks. 
its really troubling that i explained to the operator the situation about the XXXX XXXX in detail about response times i am allowed, follow ups, and lack of internet access. it seemed as the operator was just in a hurry to end the call.