davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-07
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. (NV)

Multiple times this has happened but yesterday and today I have proof through experiane emails this happens on a regular basis. 
On XX/XX/XXXX thursday, in the evening at about XXXX. I called to file the dispute. On XX/XX/XXXX i get an email verifying dispute is opened, friday. On fri XX/XX/XXXX i get an email at approximately XXXX saying dispute completed. They contact company verified info and no changes have been made. 
Exactly how in less than 24hrs was the info sent from experian to company, company got dispute read it, opened my close account files, looked into disputed info and replied to experian before XXXX that the info was accurate and complete. 
They would not have received notice of dispute til they opened at XXXX or XXXX XXXX on friday. And they close at XXXX on friday and dont reopen until monday morning. 
Did experian really verify the info was correct. Did they even send disputed info to company or did they just lazy their way out and say done within 8 hours. 
As this has happened muliple times with multiple companies my guess is experian is shortcutting and not fully investing claims. And not fully reading and documenting problem.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (MO)

This complaint is towards a car agency by the mane of Carvana. I contacted the company on XX/XX/2021 in hopes of purchasing a vehicle. I applied for the vehicle ; this is where I was told that I was pre-approved. During this time, I was also given terms to where I would have to put a down payment down to finance a vehicle. According to 15 USC 1605 " Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable '' They can not charge me a down payment in the same transaction, where a finance charge is involved. According to 12 CFR 1026.2 ( 18 ) " ( 18 ) Downpayment means an amount, including the value of property used as a trade-in, paid to a seller to reduce the cash price of goods or services purchased in a credit sale transaction. A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is not subject to a finance charge ''. Everything based on this complaint is based in line with the truth and lending act when it comes to consumer. I went out may to ask the young lady who stated she was a supervisor, where their policies governed by truth and lending. She stated yes so, I am willing to produce phone records or whatever I need to produce if needed.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting in my file. 

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 2018-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (TX)

I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 


Federal Trade Commission # XXXX
Consumer complaint received 2021-12-19
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. (PA)

To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (OR)

On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX XXXX XXXX Equifax XXXX XXXX The item was successfully removed yet my score at this time is : XXXX XXXX XXXX Equifax XXXX XXXX Please correct my credit score. 
The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.
Consumer complaint received 2019-09-07
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: DISCOVER BANK (CA)

back in XXXX I paid off my discover card and asked to close my account however since XXXX was a able to keep my account open and then make about 4k in transactions and pay with the bank account that was on file with the card. however I told my bank not to allow any more transactions out of my bank to that company so they blocked ALL payments. I called discover to report this as soon as the first payment was attempted from my bank however they failed to close the account there were about 8 more failed payments and by the time discover shut down the card it was =dude to amount of failed payments. since then I was told by discover that they were going to give me a call back I sent several letters to the company however they failed to call me back or send me letters. I just found out that they placed a judgment against me in XXXX however they never notified me of court I was never served and to be honest this is crazy I don't know how they are able be operating in the usa1!!
Consumer complaint received 2021-12-20
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)

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX )
Consumer complaint received 2021-12-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Santander Consumer USA Holdings Inc. (NC)

My car was repossessed with Santander! I got behind on payments during covid. They gave me XXXX time of covid relief and then after that they said they couldnt help me anymore. Ive spoke to someone last month and she told me as long as i made two payments last month i would be in the clear. I made the two payments. I walked out my house this morning and my car was gone. The last letter I got from Santander was telling me i was preselected for financing another car. I never even got a phone call. I tried calling Santander and they are closed on Sundays! How can you repo someones car in a Sunday and then be closed. I have kids, a XXXX XXXX XXXX grandma. I need to know where my car is so i can atleast scrape together what I can to get it back.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX Transunion XXXX XXXX XXXX XXXX The item was successfully removed yet my score at this time is : XXXX Transunion XXXX XXXX XXXX XXXX Please correct my credit score.

The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (MA)

honda keeps adding late payments to my credit even before the due date of XX/XX/XXXX and then there are 10 days before it is late i am the co signer and have told honda to notify me of any late payments i will take care of them and they still have not done this and again they lie saying yes it is all set well guess what it still isnt all set my credit score was XXXX now its XXXX because of hnda not doing what was agreed to notify me the cosigner so i will take care of the payment i want off of this loan because they have breeched the agreed notifying the cosigner of any pending late payments
Consumer complaint received 2022-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union - It has been nearly two weeks since VyStar began experiencing issues with online banking. 

The system went down on XX/XX/XXXX for a planned conversion to a new platform, as of today their systems are still not operational and the wait time to speak with a phone operator is over an hour. 

I have not been able to check my balances, can not transfer funds and have had electronic payments previously set up refused.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was notified of account being closed on around end of XXXX of XXXX. Was told that the funds would be returned after 60 days of account being closed. It has now been over 100 days. I spoke with bank representatives but no one would tell me when the funds would be return to me.
Consumer complaint received 2021-12-19
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: Experian Information Solutions Inc. (CA)

The issue i am having is that Experian is continuing to report negative accounts on my credit report that are inaccurate and unverified. I have disputed numerous times via certified mail, phone, demand letter, and online. There is no proof these accounts belong to me even after requesting proof. The following accounts and inquires are listed below and need to be removed asap. 
collections XXXX XXXX & XXXX XX/XX/XXXX {$460.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} XXXX XXXX & XXXX XX/XX/XXXX {$1400.00} XXXX  XXXX & XXXX XX/XX/XXXX {$1700.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} ( Dates are last reported ) Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AND AS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Dates are Inquiry date )
Consumer complaint received 2021-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

First Home Mortgage has fraudulently chosen to both disqualify the buyer and keep the buyer 's money in the amount of XXXX of the closing costs without delivering the service or enabling the buyer the chance of qualification. The lending agent ( XXXX XXXX ) originally approved the buyer ( XXXX XXXX ) approximately 85,000. credit to purchase a property, in addition to a XXXX grant with a monthly HOA fee of XXXX per month, qualifying the above mentioned buyer approval to purchase. During the process the buyer was working with ( XXXX XXXX ) up until approximately one week prior to settlement when ( XXXX XXXX XXXX the listing agent ), discovered at the end of the contract that he made an error on the listing price of the HOA fee. The fee was changed during the contract from XXXX monthly to XXXX monthly. The change resulted in the buyer not being qualified and XXXX of the funds have failed to be refunded to the buyer and the buyer never received purchase of the property or receipt of the paid closing costs.
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (NY)

On XX/XX/2021 I signed contract with a scam loan company that call them self XXXX XXXX XXXX to get a loan and I need to send {$3000.00} for down payment on XX/XX/XXXX they asked me to send another {$4000.00} for insurance and then they asked to send more so I told them I would stop the loan because I realized that's it's a scam but they don't want to send back the money and they blocked me all ways to reach them out so I got to my bank should reask the wires I do from the other bank but they didn't want to that I show them prove thats its a scam but nothing and I told them you are partners of the crime because they are stealing money from people but nothing ..... 
By the way they asked me to send the money on different business name that called XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX US DEPT ED XXXX XXXX XXXX 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 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX 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 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX. Experian is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Experian written permission to furnish this account on my credit report. Experian is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Experian has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

I sent correspondence to Frost Bank 's corporate office on XX/XX/2021 and then again on XX/XX/2021 when my letter from XXXX was never responded to. In the letters ( attached ) I submitted a very detailed and important merchant dispute totaling {$6800.00}. I called repeatedly to check on the status of my correspondence and the Frost Customer Service people would tell me they do not see a letter received but I need to give that department 90 days to process. I continued to follow up and went to a branch in XXXX in XXXX TX and spoke with a representative named XXXX and she told me no letter was ever received and the amount of time to dispute has now past. I sent a letter to the CEO of Frost Bank about the situation and they referred it to a XXXX XXXX. She advised me they located my letters but they were never logged or processed and they can use this as a training tool to keep it from happening again. However, Frost has not reimbursed me for their processing error. In good faith I have entrusted Frost to handle my financial transactions and they need to be responsible for financial correspondence that come to them or be liable for their errors. I need Frost to reimburse me immediately the {$6800.00} in question.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (TX)

Re : CMRE Financial Services , IncXXXX Account # : XXXX and any other one of my accounts with CMRE. 

First, CMRE Financial Services , Inc. ( thereafter " CMRE '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX  or after XXXX XXXX calling me during my work hours when I have repeatedly asked CMRE to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy.

CMRE alleges that I owe debt it wishes to collect. I have repeatedly requested that CMRE send me an itemized list of all such debt. CMRE has repeatedly refused to do, only sending me piecemeal documents that are impossible to reconcile and therefore completely misleading. I have repeatedly requested that CMRE send me a consolidated and itemized list of all debt CMRE alleges I owe so that I can verify that CMREs allegations are legitimate, valid and truthful. Without such list, it is impossible to verify CMRE 's allegations. CMREs billing is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed CMRE that the hospital ( XXXX XXXX XXXX XXXX ) to whom CMRE alleges I owe debt has illegally billed me, by charging me prices ( e.g. for the visit of XX/XX/2019 ) that are unreasonably and unconscionably above the good faith estimate rate ( a hospital has the legal duty to not charge self-pay patients above the XXXX XXXX XXXX ). 

Instead, the hospital charged me the same rate it charged the insurance company of the party that I thought was responsible for the billing ( due to an automobile accident ) after said insurance company refused to cover said bill. I have also repeatedly informed CMRE that I was disputing bills from XXXX XXXX XXXX XXXX because at the time the services were rendered, XXXX XXXX XXXX XXXX informed me that a co-pay of {$75.00} for each rehabilitation session was the only and final cost I was to pay, regardless of insurance coverage. CMRE disregarded my dispute and reported my accounts to the Credit Bureaus.