davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (HI)

Experian has not removed scores of invalid, unauthorized information that has a material impact.. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & XXXX ; settlement lawsuit, and is available for free, on XXXX websites, and on the blackmarket or dark web internets for a fee.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (KY)

I originally was told my first payment for my car was due on XX/XX/XXXX. I called XX/XX/XXXX to pay and was told it wasnt actually due until XX/XX/XXXX and I couldnt pay early. Thats where ALL my problems XXXX with Wells Fargo. From there everything went downhill. I was charged so many fees and it was them every time. Things got so crazy that my car was repossessed and I was left with so much money owed. Needless to say, it was paid within a day and my car was back to me. 
I had to trade my car in just to get rid of Wells Fargo. Wells Fargo literally ruined my life.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I usually always had an issue when a payment was processed and I had the funds in my account or there were too many fees coming out at one time which caused me to be in the negative multiple times to which the account XXXX XXXX up closing
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with 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. Account name 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 XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. TRANSUNION has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.
Consumer complaint received 2023-02-06
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. (FL)

I went to a car dealership and i was told they were only going to pull from their in house which was XXXX dealership. But they did not. These listed below were unauthorized. 
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 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Thaxton Investment Corporation (WI)

I have been sued by a finance company for {$10000.00} plus fees. The motorcycle was purchased by an individual by the name of XXXX XXXX who has stolen my identification she also had stolen the motorcycle from the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX of 2020, after being in a crash by someone. I submitted a fraud claim with the company and also did an identity theft report on the individual who did this to me. When I received documentation from the XXXX XXXX XXXX I was given a copy of my ID that is unverifiable from an email that I sent to an XXXX  management back in the beginning of the 2020 and along with forged documents of my name. I informed the finance company of everything and provided them with police reports and fraud reports but nothing worked in my favor. Now I am being garnished and my credit report has been ruined due to this situation. Ive also gave what I could on the motorcycle, but Im still in a hole and need help. I did try to do an small claims but it was denied as well.
Consumer complaint received 2023-02-03
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. (TX)

FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Once again, the agents at Mr. Cooper are not doing their jobs and there are multiple people at play. Starting with the email correspondence on XX/XX/2022, stating incorrectly that 3 consecutive payments were not met on the account and to contact again in XXXX. It would've been XXXX, which was corrected by another agent. I tried to contact their PMI department multiple times in XXXX and received no response. I returned two phone calls and got routed to the incorrect department. I tried again in XXXX, which is shown in the chat transcription. The agent represented themselves as working for the PMI department, but somehow did not know what XXXX XXXX pathway was. After multiple corrections, they finally sent my PMI removal request to another department. Only to receive another incorrect response which speaks to an original home valuation of {$490000.00}. Referring back to the email, you will see CLEARLY, that the original sales price was {$380000.00}, not {$490000.00}. Also referring back to the email, was an incorrect Principal balance of {$330000.00}. At the time of the email, it was {$320000.00}. 

I have made myself clear on multiple occasions, that I have XXXX interest in hearing about pathways that do not apply in my situation. I know how to do math properly! I said multiple times that the house easily appraises for more than {$440000.00}, which is proven on their own website and their " computer generated '' value via Fannie Mae. I have had it with people who don't do their jobs! The IXXXX XXXXXXXX should have been schedule a long time ago and it has not been done. There has not been a single email with the proper documents sent over, any schedule for someone to come out or anything of the sort. I should not have to send multiple requests for the same thing, just so I get lucky that someone knows how to do their freaking job!
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I have been disputing a charge on my credit cardas it is fraudulent ( this process resulted in me filing a complaint about this process but now my complaint is about my credit report and the calls that come in and are disconnected ). At this time, on my credit report, it now shows that Im delinquent on the card even though the status of my card should be indicated as being under investigation and not just failure to pay. I have been in this process for months. I have also asked for a phone call from the fraud department supervisor which was supposed to have been given to me within 1 to 5 business days, so Im still waiting for that phone call. In the meantime, I continue to get phone calls for this unpaid charge. The last 3 calls I answered were disconnected upon my answering. Is this an attempt to log calls being made to meyet not connecting me with anyone? The last 2 calls I made in return to those calls I was transferred to the fraud department and conveniently disconnected after being on hold. Tonight I called and asked it to be documented on my account but I have no confirmation that this happened. I was then transferred to the fraud department and after being on hold my call was disconnected once again. The amount of time I have wasted on the phone for nonsense is absurd. I still have no resolution but now am being harassed by phone calls that also end in being disconnected by the company or their poor phone system. I have to answer every potential telemarketing call because I am waiting for a call from a manager or supervisor from the fraud department but as I continue to answer these calls I become increasingly frustrated by the companys poor communication protocols, employees, and possibly equipment technical difficulties. Is anyone actually monitoring this company and the way they handle business and customers? Ive never dealt with any company that had such communication issues and I hope to never again.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I have a Care Credit Mastercard in which I have an interest free Promotional Balance for 24 months. On occasion I also charge other interest bearing charges to the account, herein referred to as the Regular Balance. Care Credit policy, as has been explained to me many times, is that I must pay the minimum balance on the card monthly, this is the amount that will be allocated toward paying down my Promotional Balance in the allotted time frame. Once the minimum balance obligation is met, their policy, as stated to me is that any payment above or additional is then allocated to the Regular Balance. This is important to me as, in order to avoid interest fees, I pay my credit cards in full each month. Care Credit is not following the policy stated above and as provided to me by Care Credit. I believe they are fraudulently and purposely misallocating payments to charge and/or maximize interest fees. 

Example : On XX/XX/20, I paid my minimum balance of {$150.00} as required and which, at this rate monthly, will pay off my interest free Promotional balance as required with a few months to spare. In the same billing cycle, the next day, I made a payment of {$54.00} to cover additional non-promotional purchases to date. This payment was not applied to my regular balance to cut down on interest fees and per their policy, but rather to my promotional balance. I contacted care credit and, after being given a hard time, they agreed to reallocate the funds to the regular balance. Also in this same billing cycle, on XX/XX/20, I wanted to make a final payment in the cycle to pay off the full regular balance to avoid interest charges. I contacted Care Credit prior to making the additional payment and was assured that, per their policy, the payment would allocate to the regular balance. I was very adamant that I wanted to ensure this payment be allocated to the regular balance. The rep agreed to make a note on the account to ensure this would happen. I hung up with the rep and immediately made the payment of {$190.00}. Today, XX/XX/20, I contacted Care Credit and was informed by the rep that payment was not allocated to the to the regular balance and AGAIN was allocated to the promotional balance, despite my reassurance by the rep, my request to the rep, and the note on the account. I was also again given a hard time regarding reallocation, even though it is per the policy. The second correction will again take 1-2 billing  cycles to complete. Care Credit should be following their policy without me contacting them to insist that they do. 

I have other examples of the same pattern that have happened previously. Based on my experience and the example above, I believe Care Credit Mastercard is  fraudulently and purposely mis-allocating payments to charge and/or maximize interest fees.
Consumer complaint received 2023-01-17
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-01-17
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. (GA)

I appreciate the effort and time you spent removing a porttion of the fraudulent items off of my Credit File but upon further inspection of my Creditr File. I noticed that there are still a bunch of fraudulent accounts and information being reported. Once again, I was a victim of identity theft and that the disputed items are the results of such crime. I have read that under the Fair Credit Reporting Act section 605, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I am submitting this CFPB Complaint to request once again to remove the fraudulent accounts and information off of my Credit File. Please help me remove the following items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2000.00}. I would also like to request that you send me copies of proof of verification or proof of ownership ot any documents you found during your investigation suggesting that I own these accounts. If you find no related documents, immediate removal of the disputed accounts will be greatly appreciated.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about about whom the report relates. The following account [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ] open and closed date is inaccurate with the amount of $ {$21000.00}. This is not my account, I've never given my consent to open this account, according to the credit fair act law called 15 U.S.C. Sec. 1681i. By law, I have rights to challenge anything I am not sure is accurate. I also have a fraud alert on file on my account to prevent acquisitions like this. Please investigate if every piece of information is correct. If not please remove it from my credit report. Thank you!
Consumer complaint received 2023-01-17
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. (GA)

I appreciate the effort and time you spent removing a porttion of the fraudulent items off of my Credit File but upon further inspection of my Creditr File. I noticed that there are still a bunch of fraudulent accounts and information being reported. Once again, I was a victim of identity theft and that the disputed items are the results of such crime. I have read that under the Fair Credit Reporting Act section 605, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I am submitting this CFPB Complaint to request once again to remove the fraudulent accounts and information off of my Credit File. Please help me remove the following items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2000.00}. I would also like to request that you send me copies of proof of verification or proof of ownership ot any documents you found during your investigation suggesting that I own these accounts. If you find no related documents, immediate removal of the disputed accounts will be greatly appreciated.
Consumer complaint received 2023-02-12
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. (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. This account must be removed off my consumer report immediately. XXXX XXXX  Allegedly {$4700.00} high balance. Allegedly Balance owed XXXX. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Consumer complaint received 2023-02-27
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it again. the accounts that I am disputing for verification on my last complaint dated XX/XX/2023, have not been verified yet. they are still reporting erroneously on my credit report. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

CitibanXXXX AT & T Universal Rewards World Mastercard XXXX I have called customer service many times since I found the error in XX/XX/XXXX with no action taken, some representatives have even hung up on me as they do not understand want I am disputing. They are unable to help me to get this matter resolved. I did receive a standard form letter in XX/XX/XXXX stating the payments applied correctly. They did not provide me with a breakdown of the payment. 

On XX/XX/XXXX, I make a payment of {$7300.00}. 
This payment amount was on the online payment screen and stated the following : {$7300.00} - Adjusted New Balance + Flex Plan Monthly Payment -This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in the future. 

On the account there are : Seven ( 7 ) Flex Plans Two ( 2 ) Balance Transfer Offers totaling {$2000.00} that were expiring XX/XX/XXXX & XX/XX/XXXX Standard Purchase Balance of {$4400.00} accruing interest rate of 18.76 %. 

The Interest Saving Balance Payment of {$7300.00} did not apply Payments correctly on the Non-Flex Plan portion as stated. 
Six ( 6 ) of ( 7 ) Flex Plans were completing paid off The 7th Flex Plan had a principal reduction applied.

The ( 2 ) Balance Transfers Offers were not paid off The Standard Purchase Balance was not paid off but had a principal reduction applied.
Consumer complaint received 2023-02-12
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: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX I took a loan to buy a vehicle and in XXXX of the same year I had an accident and the car was lost after talking to the insurance company. I called the company to explain what had happened, at most companies what happens is they pause credit while you get insurance information, but here I didn't call them and they always gave me different information and even if I didn't have my vehicle if I had to make my car payments, in XXXX the company sent a check for the full value of what was owed, because the check had already been sent, so I called the company and told them I didn't want them to make a negative report. I called them on XX/XX/XXXX and what the person told me was that I did not have to pay that the check would arrive that same day and that from that day on I had 10 more days as the deadline for the check to arrive if on that day moment the check did not arrive there if I would have to pay the installments, then on XX/XX/XXXX the check arrived at their facilities and they cashed it the same day but on XX/XX/XXXX what they did was report to us My credit and that of my husband, since we were both in the loan, they affected my credit so much that it dropped more than XXXX points and I already filed a complaint but the answer they gave me has nothing to do with what I asked them what they said is that we spent more time knowing that they themselves told us that we had 10 more days to make the payment and that they were not going to report us and it is in a recorded call on XX/XX/XXXX XXXX