davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO, NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, LLP. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS.
Consumer complaint received 2022-03-01
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. (MS)

This credit bureau is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.
Consumer complaint received 2020-06-15
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. (IL)

I was engaged in a dispute with XXXX XXXX and XXXX concerning a booking with XXXX XXXX. The disputed charge was resolved by XXXX XXXX XXXX. A refund was issued to XXXX and subsequently XXXX issued a refund to XXXX XXXX to resolve the dispute. My credit reports improperly reflected the situation. The XXXX XXXX charge that I refused to pay was not a legitimate charge by XXXX. I have tried to engage XXXX, XXXX and Equifax and have been unsuccessful or they don't care to reflect the correction this situation requires.
Consumer complaint received 2024-03-22
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

During this pandemic I was not offer to attached the payments at the end of my loan like all the other companies were during to help during this pandemic. Our county is number three in the state with this outbreak. A lot of people are still unemployed. I owe for this month and last month which is {$750.00}. He said if I don't come up with the money it will be turned over to their legal agent. I can see if there was not a pandemic going but times are hard right. We were order to stay at home shelter for two months from XXXX XXXX XX/XX/2020, order by the mayor and governor.
Consumer complaint received 2024-02-25
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: ENCORE CAPITAL GROUP INC. (IL)

I experienced significant issues with XXXX XXXX XXXX  related to XXXX credit card accounts I held : the XXXX XXXX  and the XXXX XXXX, each with a {$300.00} limit and monthly fees of {$25.00}. The core of the problem began when I lost access to the online portals for these accounts, making it impossible for me to log in and manage my finances due to the portal 's requirement for card numbers to reset passwords. This situation was exacerbated by the loss of my wallet, which contained the physical cards. 

Despite my proactive efforts to resolve this issue, including contacting customer support at least XXXX times to request new cards and update my mailing address, the bank repeatedly sent the replacement cards to an incorrect address. This failure occurred despite assurances from customer support that my address had been updated in their system. 

As a direct consequence of being unable to access my accounts or make payments, the accounts were eventually sent to collections, and I received a letter from MIDLAND CREDIT XXXX de

manding payment of {$680.00}. FDCPA Violations : This situation has been further complicated by potential violations of the Fair Debt Collection Practices Act ( FDCPA ) by MIDLAND CREDIT XXXX, including : Lack of Proper Notification : Under 809 of the FDCPA, debt collectors are required to send a validation notice within XXXX days of first contacting a consumer. This notice must include the amount of the debt, the name of the creditor, and the debtor 's rights. I did not receive adequate notification or validation of the debt before it was reported to credit bureaus, which may constitute a violation of this section.

Misrepresentation of Debt : If MIDLAND CREDIT XXXX failed to accurately convey the circumstances that led to the debt 's accrual, including the bank 's repeated errors in sending replacement cards to the wrong address, this could be seen as a misleading representation of the debt 's nature, potentially violating 807 of the FDCPA.
Consumer complaint received 2023-01-06
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. (AL)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2023-02-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Me and my XXXX  had a mortgage loan from Wells Fargo from XXXX till XXXX I believe, We moved from our previous address, I paid my loan every month now I'm wondering if I miss out on the Wells Fargo lawsuit where they agree to paid back to consumers for illegal activity,. 
Any help will be appreciate.
Consumer complaint received 2020-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO, NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, LLP. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (TX)

I have had a credit card with Wells Fargo. I have had trouble with them before ( and have put XXXX  complaints against them before ) but this last incident is so bad I need to write to the CFPB. I misplaced my credit card one Friday evening. I contacted Wells Fargo to see what the last charge was on the card that day to know if someone had received my card. They wouldn't tell me. I finally decided to give up and hung up. I found the card the next day. I tried to use it but the charge would not go through. I called Wells Fargo to find out they locked the card. WITHOUT MY PERMISSION. Then they would not unlock it until I drove to a branch and gave them my drivers license so they could keep and image of it on file. I refuse to let them take a image of my drivers license and keep it in their files. That puts me at great risk for identity theft. They tell me they will not send me an credit on the account, so they have decided to keep my money against my will. Also, when I was on the phone with them, they would switch me to multiple departments and put my identify at risk multiple times as for each department they wanted to re-verify me. And they had no intention of unlocking my account so I was put at risk for no reason!!
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.
Consumer complaint received 2023-01-06
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. (LA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ;
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (MA)

Honda finance illegally repossessed my vehicle I had to pay XXXX to get it back and could not understand the bill but paid it anyway. The bill consist of multiple XXXX XXXX under my vin however the vehicles in the photo were not mine. This caused me a hardship on my bills and they refused to hear me or fix it. Two months after I got the car I ended up in repossession again with XXXX on bill. Again not understanding why the bill was so high. I decided to not get the car back and allow them sell it since they would not help me or fix these mistakes causing me billing issues. I allowed them to sell the car in XX/XX/XXXX. However today is XX/XX/XXXX and the company honda finance is still continuing to bill me. I am still receiving bills as if I have a contract with them and XXXX XXXX as though someone is riding around with the vehicle still and I can not understand why. When I call them they say I have an account with them but I do not. Honda wanted to buy my lease back and I refused to do they created a hardship on my account to the point I could not afford the bill. Even after I let the car go they are still billing me affecting my license now I would like to send my evidence and sue them in court. I have enough evidence now to say they purposely caused me financial hardship because they wanted their leased vehicles back one way or the other. I can prove this. the evidence is overwhelming there is no way I wont prevail. I begged them to stop and they didnt. Now I will defend my name because my license is all I have. They are wrong. I had a XXXX XXXX. Not any other car why are they billing me other peoples info under my vin. Why am I still receiving bills with honda finance?
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Synerprise Consulting. I reached out to this institution via phone # ( XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with Synerprise Consulting and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Synerprise Consulting. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
Consumer complaint received 2024-02-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (AZ)

I placed an order for a new XXXX XXXX at the end of XXXX and was approved for a lease. I finally got a message to schedule delivery for the end of XXXX after waiting a month, but Tesla cut prices for the lease a few days before that, making the same car I ordered about {$2000.00} less for the same exact terms. Customer service has been terrible this entire time. Most representatives I have spoken to on the phone had no idea what price cut I was talking about or tried to give an explanation about the down payment or interest rates that made no sense. Ive also had no luck speaking to a supervisor after requesting one for a week and emailing a direct contact I have with the supervisor at my local delivery location. When I put in a request for the financing team to rework my terms to match what theyre giving new customers for the same car, it was denied the same day. I then requested for a refund of the original {$250.00} to place another order and get the same terms as everyone else with a new application. The representative XXXX XXXX I spoke to was very unhelpful and robotic, stating it was non-refundable under all circumstances. Again I was unable to speak to any manager or supervisor to work out an exception. Im still waiting on a call back or response from someone higher up who wants to keep a new customer, as Im still interested in placing another order but need the first order fee refunded/credited as a courtesy first.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, New Jersey XXXX 1. Incorrect Names : XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX Remedy requested : DELETE 2. Incorrect Addresses : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Remedy requested : DELETE 3. Incorrect Employers : XXXX XXXX XXXX XXXX  Remedy requested : DELETE 4.Fraudulent Inquiries : 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 5. Fraudulent Credit Card : XXXX XXXX : Fraudulent Utility Accounts : XXXX
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

i have tried XXXX to resolve this issue with synchrony bank, a credit card i have with t.j. maxx. in XXXX i alerted them with chat room email them and called them to try and stop a charge i saw pending! the amount {$95.00}. they would not fight on my behalf with the company. the company tried to fool them by saying they refunded my money! they lied! they charged twice for 2 separate charges and when i used the phone number that was on my payment list connected to this charge, they say " oh, that was for an online exercise program and now it has expired! i never ordered no such thing! i closed this account number and ordered another number that i put on hold. i want some recognition and compensation of {$95.00}.
Consumer complaint received 2020-04-13
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: EQUIFAX, INC. (MO)

The following accounts reporting on my credit file are fraudulent, therefore does not belong to me, I'm profoundly demanding that these accounts be removed, or show just cause ( physical documentation ) inwhich why they should be reporting. I'm also demanding a Method of Verification, and the title of the employee conducting such investigation. I will also like to know the date and time of such, as well as the means of communication via phone, fax, email, mail, etc. 

If this can not be provided then these accounts shall be removed and blocked immediately. 

1 ) XXXX XXXX XXXX  {$5100.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$14000.00} 3 ) XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX {$6900.00} 5 ) XXXX  6 ) XXXX XXXX XXXX XXXX  {$3100.00}