davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
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)

On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking account
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, my wife and I to Wells Fargo, and were approved for a " no cash out '' refinance mortgage of our existing Wells Fargo mortgage ( # XXXX ). Wells Fargo selected XXXX XXXX XXXX to handle the title insurance/documentation. 
We signed closing documents on XX/XX/2020, and received notice of successful closing/congratulations, on XX/XX/2020. We were then issued an account number for the new mortgage ( # XXXX ). 
On XX/XX/2020, we received a phone call from Wells Fargo, for the " past due '' XXXX payment of our original mortgage ( # XXXX ). 
Upon calling Wells Fargo, I was told that the payoff amount for # XXXX ( sent by XXXX ) was somehow insufficient, so " existing balance '' payment for # XXXX has not been accepted, causing that mortgage to become past due. 
No one had previously informed us of this, and had, in fact, sent us the " notice of successful closing '' /congratulation email. 
So now there is a dispute between Wells Fargo and XXXX XXXX as to a solution. 
In the interim, here we sit, with two mortgages ( one on the verge of becoming delinquent ), because the title company Wells Fargo selected couldn't get their numbers right?
Consumer complaint received 2020-12-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: A-1 Premium Acceptance, Inc. (MO)

I had called King of Kash and made a payment yesterday XX/XX/2020 around XXXX XXXX and around XXXX XXXX that same company tried to take more funds out even after I had paid and told me that my bank declined the payment although the money isn't back in my account and my bank is saying that the funds were taken.
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was in arrears due to decreased income from the pandemic, and called to try to work out a way to get current. Fifth Third Bank was entirely unwilling to take anything than the full amount up front, and clearly thought they could get stimulus money first from me when I dont have any. They opened a whole program around this and prey on folks support checks.

After working two weeks to get the amount needed to fix the loan status, I called this morning to arrange payment. Ive also made regular payments even while in arrears of the due amount to try to get Fifth Third something.

They told me now that the amount they asked for two weeks ago isnt good enough, and the account has been charged off and I need to pay the full balance of the car.

I hear about other banks working with folks to lower payments, or add them to the end of the loan, and so on - Fifth Third wont even try to work with me to get an account current on the same impossible terms they gave me two weeks ago! The goalpost is always moving and they do nothing except demand more with each call.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (GA)

I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have been trying to get my credit info from the 3 credit bureaus. I had no problem with XXXX  and XXXX. Both showed my credit report and credit score free-of-charge. Not so TransUnion. They sent my credit report, but they refuse to tell me my credit score unless I pay them for it. This just seems wrong! Is it legal?
Consumer complaint received 2020-12-23
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. (FL)

XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX- Last reported XX/XX/XXXX {$8900.00} Reported balance Advcollbur {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my XXXX XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

We submitted a request to XXXX to take out the incorrect flag on my credit report and they did take it out. 

For context, a flag appeared on my credit report for a XXXX  bill that was sent to collections. However, I've never done any business with XXXX . My phone and Internet service has been with XXXX XXXX XXXX for about XXXX years. 

XXXX DID take this incorrect information off of my credit report. However, this incorrect flag is still on my other credit reports. Experian and XXXX are still showing this on my credit report file.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I had a past due balance of {$710.00} which I paid in full XX/XX/XXXX. I received two finance charges on XX/XX/XXXX {$2.00} and {$3.00}. I called comenity XXXX in XXXX and the rep said she could reversed the charges. This didn't happen. In XXXX messaged XXXX  and XXXX XXXX the rep who responded to my inquiry said I was getting charged and I needed to pay. The same thing happened with my other comenity card at XXXX except they reversed the charges because I had paid the account in full. I had been and am getting charged two finance charges a month on each card. I thought having a 0 balance would mean no interest. comenity bank cards are the worst for interest taking advantage of people.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

While I appreciate your explanation regarding the Cardmember Agreement and the company 's compliance with relevant laws, I must reiterate the importance of rectifying inaccuracies on my credit report. As a responsible consumer, it's crucial for me to ensure that the information reported to credit agencies accurately reflects my financial activity and status.

I understand your stance on declining my request for an update directly ; however, I will proceed to send a copy of my current credit report, highlighting the discrepancies, to the provided address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

Regarding the allegation of violating laws, I would appreciate further clarification on how the company is ensuring compliance with the Fair Credit Reporting Act and other applicable regulations. Could you provide more insight into the steps being taken to ensure accurate reporting and consumer privacy?

Moreover, while I respect the decision to decline compensation, I seek reassurance that the matter will be thoroughly investigated for compliance verification and that these late payments will be removed from my credit report.

Thank you for your attention to this matter. I look forward to a constructive resolution.
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (MA)

XX/XX/2020 I did a transfer from my usbank account to my other account in XXXX XXXX XXXXXXXX. 
XX/XX/2020 I receive a email from usbank stating that the transfer was unsuccessful and I should see the money 3-5 business days in my account. 
XX/XX/2020 I have already spoken to representatives of both banks. usbank argue that XXXX XXXX  XXXX rejected the transfer. XXXX XXXX XXXX says that the transaction never happened ( disclaimer : I only talked to XXXX XXXX XXXXXXXX before XX/XX/2020, however I also talk to usbank before and they argued that XXXX XXXX XXXX rejected it ). 
The last representative of usbank PROMISED THAT A MANAGER WILL CALL ME and that never happened. 


To put into context : I couldn't pay the rent on time, compromising my relationship with the landlord. Moreover this situation is the most stressful situation I have ever lived and could cost me and my family on health.
Consumer complaint received 2020-12-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I discovered inquiries on my credit and XXXX XXXX report that aren't mine. I never applied for alot of information being reported, as well as, I never had a bank of america bank account. So much is inaccurate on my reports that I don't have the slightest clue on how to get all of this off. XXXX XXXX shows up alot on my reports and I don't who they are either.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: DriveTime (MD)

Earlier this year before Covid I had an issue with my XXXX XXXX XXXX  which required me to take it into the shop to have some warranty work completed on it. It was covered after going through some hoops which I get it warranty work no one gets paid for it directly. My issue upon this situation was that the part that had to be ordered came from DriveTime and/or XXXX home office located in AZ. I was told it was remanufactured or like new. Wasn't able to see and verify parts after replacement because they had to be sent back to AZ. Under my warranty contract with them and XXXX XXXX it does state thats in line with the parts they can replace on any vehicle per the agreement. My issue was I was out of vehicle for almost a week because of the time it took for parts to come in and upon asking for a loaner vehicle said the billable hours didn't meet their requirement of reimbursement and I could get loaner any try to get it back but no a promise for reimbursement. Asked on several occasions that I wanted proof of what parts had been replaced and was told by all of them that it is something they have to prove to me per the contract. Fast Forward my needs have changed and am currently looking at getting out of this vehicle and getting into something that better reflects what I need at this time. No dealership will take the trade because of the high interest rate and more money down needed to make the deal happen. I get that but Drivetime/XXXX won't take the trade in as well at all regardless of money I need to put down. I was told they don't take their cars back on trade and/or refinance current loans even if they still make more money on new one. I am tired of the pure bad business practices these companies are allowed to get away with. My previous vehicle I had gotten from them had to be bought back from me after many battles that I eventually proved was a flood damaged vehicle. They couldn't give me the money I had paid into that vehicle being a XXXX XXXX XXXX because I had paid for time I used it and was only given my original down payment. These companies being able to do all of this and the consumer just out of luck? I had also asked what had come of the vehicle bought back from me did they sell it to another sucker. I have filed complaints after complaints but they are still in business doing same shady used car sales. There was now ay my 1st car should have been sold to me let alone past State Inspection. I am filing a class action lawsuit against DriveTIme and/or XXXX for unfair Business Sale tactics and Fraud any help would be appreciated.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (CA)

Total Visa sold an account under my name to XXXX XXXX. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. Total Visa claims that XXXX XXXX is reporting on my credit but under the wrong creditor name of Total Visa and not XXXX XXXX. I did not even know initially that XXXX XXXX bought the account. Please see attached letter from Total Visa detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.
Consumer complaint received 2023-05-04
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. (NJ)

I sent dispute letters to TransUnion, XXXX and XXXX on XX/XX/2023 and asked them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX, and XXXX I asked them several times to correct this information and they keep responding that the information has been verified. The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have a right to privacy According to 15 USC 1681S-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my report. 

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, the high credit is inaccurate, credit limit inaccurate, date of last payment is inaccurate, account status is not accurate. This is grounds for removal. 

I can go on and on about how the credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian has still not sent me verification of the " company '' that they use. By law they have to disclose this information to me as a consumer. I have submitted evidence indicating that the bankruptcy has been removed by " the company '' they use. They keep repeating the same jargon and we are getting no where. I again enclose the XXXX XXXX letter as evidence and the same response with no company listed. Experian please understand as a XXXX veteran I have nothing but time on my hands. I'm really exhausted of the methods the company uses. I ask again PLEASE PROVIDE YOUR SOURCE to me in writing. This the company is not satisfactory.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I helping my mother who is a non English speaker apply for a mortgage. We applied using quicken loans and they first stated we can get a 3.5 % down. Then the told us it has to be a 5 % down since he owns a home with my dad that is already paid off. Once we entered escrow XXXX XXXX a Solution Consultant called and said he has to change the terms to a 10 % down payment because he feels that my mom job was to far from the home she is getting and that he dont believe she will stay in that job. So he is forcing us to get the home as a secondary property which is that what we first agreed to. My mom feels deceived and lied to by this company they are denying her a mortgage by increasing the down payment to go over her availability funds. From 5 % XXXX to 10 % XXXX when she only has XXXX available. Since she is a XXXX residence we also feel she is being discriminated based on her national origin since he is refusing to close escrow unless she can provide more money for the down payment which they never mentioned when we first started the process. They where aware of all the fact of her job location current home and the new home she was applying for why wait until we are in escrow to change the requirements and threaten to cancel the loan application if she can not obtain twice as much for the down payment the first ask for. This is unfair, misleading, practices from quicken loans. 
Here is his info who is refusing my mom a loan. 

XXXX XXXX Solution Consultant Direct : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX | NMLS # XXXX