davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX  on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX  on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Amerifund Home Mortgage LLC (NY)

I applied for a refinance from Amerifund in XXXX of XXXX</br> I completed all the required document submissions by the end of XX/XX/2020. 

They told me I was approved. They told me I needed to wire them {$3100.00} as an " application fee ''. I did this. They also charged me an additional {$750.00} as a " CEMA '' fee. I paid this by check.

Since then, they've been delaying the loan closing! 

They do this by asking for a new document each week. Then they tell me that an older document has " become stale '' and must be re-submitted. For example, I've had to provide bank balances and pay stubs multiple times. There have been two appraisals. 

On XX/XX/XXXX, they agreed to lower the rate ... but they are still delaying the closing. 

They always tell me that " this is the last thing we need '' ... and then ask for something new after a few days. Just last week, they asked me to prove that a parking ticket they found in an old database wasn't mine! Not only was the ticket not mine, but I had already submitted this information in XXXX! Now, they are asking again. 

Notice that they have not *denied* me a loan ( I have their approval in writing ) they simply delay ... and delay ... and delay. 

Meanwhile, I'm out the {$3800.00} I foolishly wired to them! 

And I can't apply for another loan because they've got my Application Fee! 

Lastly, every time they ask for a new document, there's a chance that I might no longer meet the acceptance criteria. What if a new appraisal comes in lower? What if I get my hours cut at my job? 

It's almost as if they're waiting for me to slip up and give them a legitimate reason to deny me the loan -- and keep my {$3800.00}.
Consumer complaint received 2022-04-18
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. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-02-19
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. (TN)

I'm making this statment, because I was not the person who is responsible for applying for these accounts. I have never applied nor used these accounts for my self benefit. My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus. Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine. I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Credit Reporting Act XXXX XXXX XXXX reported by XXXX reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I was in search for an emotional support dog and came across a beautiful pup named XXXX. everything seemed legit, they even sent me a binding contact to sign. So I paid the {$840.00} on XX/XX/2022. The following day they sent a shipping invoice, so again everything seemed legit until the shipping company started sensing {$1500.00} from me for a crate for the pup. Of course I didnt pay that and asked the seller to cover the cost. They said they wouldnt and would give me a refund. No refund since.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc. (AZ)

MoneyLion has been reporting my account as a charge off ONLY AFTER i started another builder account with them. Now I am paying over XXXX $ in FEE 's and they just NOW said my account was charged off TWICE in XXXX & XXXX ... they lag SERIOUS TIME and waited till I am in debt with them for another credit builder account to XXXX me over.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (IL)

I got a message from XXXX saying that there was a problem with the website and my information my have been seen on the website. I was XXXX  with XXXX and when I was in the XXXX  someone got access to the account and used money when I was in the hospital. When i got out of the XXXXl .I could not talk clearly. I email key bank and got a letter in the mail saying they got the complaint. I don't receive anymore information from them so I called and was informed there was no complaint so I file another complaint. I didn't get a response so I called again and was told that my account was closed. After that I got XXXX letters from my bank about identity theft and was denied.
Consumer complaint received 2022-04-18
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: Nelnet, Inc. (MN)

We had an automatic payment scheduled in the amount of ~ {$62.00}. In XXXX, failed to execute the payment. We found out 2 months later, and after explaining what had happened they did not help. A phone call on XX/XX/XXXX with customer support, they confirmed there was an internal problem on their end. We filed a complaint and requested a correction and they said they do not perform curtesy corrections to the credit bureaus. We have been paying our accounts on time for years with Firstmark. This same thing happened in XXXX and the same result. Now this effected our credit and we want this fixed.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

I filed a credit card dispute with Chase on XX/XX/XXXX regarding XXXX XXXX 's refusal to allow us to board a plane from XXXX, XXXX to XXXX XXXX. The airline also refused to refund our ticket value when denied boarding. There was disagreement and conflicting information about whether we needed another visa to enter XXXX. The amount of the charge was {$1000.00}. I went through the dispute process and provided copious amount of documentation defending my case. XXXX responded with documentation of their own. On XX/XX/XXXX I discovered that the charge once again was on my account. I contacted Chase and they asked me to provide our further documentation to further support my case which I did immediately. Soon after the XXXX I received a letter from Chase dated XX/XX/XXXX and ( most importantly ) postmarked XX/XX/XXXX telling me that me that I had until XX/XX/XXXX to respond to XXXX 's allegations. Subsequent calls to Chase about the case informed me that I missed the time to respond and, as a result lost the case. The most recent comment from a Chase supervisor, XXXX XXXX, was " the fact that we sent you notice too late for you to respond doesn't have anything to do with it ''. My argument is not the validity of the dispute with XXXX although I believe the dispute is still valid. My dispute is with Chase and their failure to give me any time to respond to finish the dispute process. As a result of Chase 's failure to adequately inform me in a timely fashion of my further dispute rights I missed a deadline and the case was closed. I am not trying to get the entire {$1000.00} back but the half that I did not use or {$540.00}. Chase acknowledged they sent the notice too late but, at the same time, said it wasn't their fault. I have a large amount of documentation about the dispute itself but my complaint is about Chase making it physically impossible for me to respond per my rights and, most importantly, not taking responsibility for their mistake.
Consumer complaint received 2021-02-19
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. (TN)

These accounts were taken off of my XXXX I do not understand why they are still verified on my Transunion and my XXXX. They were taken off because they were unverifiable and inaccurate. Please remove these account immediately.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-04-18
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. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-18
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. (TX)

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Case XXXX Finance Company misapplied a payment sent over the proof of payment provided by the bank. Got charged interest on that misapplied payment that hasnt been cleared by finance company been follow up for 2+ months and havent received my Title. Call was made also and above reference case # was provided
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc. (OH)

In XXXX of 2015, I went to a presentation about a XXXX in XXXX XXXX. I was told that I had an allotted amount of days to cancel the contract. After discussions with my family, I wrote a letter and cancelled the contract within 3 days. 
Later in the year, I receive a bill from Meridian Financial Company for account XXXX. I contacted the company and stated I had sent a letter within the allotted period to cancel the contact. I was told there was a letter but it was not received within the allotted time. I refused to pay because I sent the letter certified mail and I knew the company had received the letter within the allotted time. 
In XXXX of the same year I received a bill from Meridan Financial Company for account XXXX. This {$980.00} bill was for the yearly maintenance fees for the above account. I had cancelled the original contract which included the maintenance fees. I contacted the company again. I was told again that the letter was not received within the allotted time. 

Account XXXX is showing as a charge off on my credit report for {$7100.00}. I would like both of the charges to be taken off my credit report because I followed the guideline and Meridian Financial did not. Even after acknowledging they had received my cancellation letter.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc. (VA)

On Saturday, XX/XX/2023, I purchased a new XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, Virginia. This was through GM Financial 's Spring into Adventure campaign, which offered low interest rate loans to purchasers of select new XXXX vehicles. I purchased the vehicle with a {$32000.00} loan over five years at a 2.9 % APR. 

On Thursday, XX/XX/2023, General Motors Safety and Field Action Decision Authority decided to conduct a recall on my vehicle. General Motors notified dealers on XX/XX/XXXX that the vehicle was recalled. 

Had I known at the time of purchase that GM had already approved my vehicle for recall, I would not have proceeded with the purchase. 

I am unhappy that GM Financial, General Motors, and XXXX offered this vehicle for sale, despite the General Motors Safety and Field Action Decision Authority having approved the vehicle for recall two days prior to my purchase. I feel this was deceptive and misleading advertising. I attempted to resolve this complaint directly with General Motors but was ignored ( XXXX and XXXX ).
Consumer complaint received 2022-04-18
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-18
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In late XXXX, a surprise adverse account was furnished to the credit bureaus ( Experian, XXXX and XXXX XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and XXXX says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-02-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There is a public record on my credit file that I have been trying to get remove since XX/XX/2018. I have disputed many times via certified mail, online, and with CFPD. TransUnion Credit Bureau keeps reporting it and saying they investigated and XXXX is furnishing the information. Which is a lie! I have submitted proof that XXXX has removed it! This is the case number with XXXX XXXX that verify that they have removed it from their credit file. Trans Union is not up holding the law of the FAIR CREDIT REPORTING ACT!