davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (TX)

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 : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 2023-03-03
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CA)

Hello, I got the new XXXX  XXXX car from the XXXX XXXX dealership on XX/XX/2020. I signed the lease agreement/contract stating payment of {$490.00} ( including sales tax ). the dealership had my driving license data and picture of my DL. They made a mistake and typed my zip code as XXXX, instead of XXXX. 

After a few days later I got a XXXX package from the same XXXX  dealership asking me to sign a new contract as they messed up the sales tax calculation on their part and zip code XXXX has higher sales tax than XXXX. So basically my payment should have been reduced not increased., but XXXX increased my payment. I have this newly updated contract with the corrected zip code and I submitted that to VW credit company. They are not willing to adjust my payment. I tried reaching to everyone in XXXX  customer care/ XXXX  XXXX Dealership but they failed to resolve this issue or not willing to honor my new contract which I have in black & white and signed. 

I have attached a copy of the contract for your review and take action against XXXX.
Consumer complaint received 2020-09-30
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. (CA)

Equifax is reporting a chapter XXXX bankruptcy on my credit in XXXX. I have spoken to them on numerous occasions and they refuse to help me. I have filed dozens of disputes with them and they refuse to respond or help me. I have explained to them that the information is incorrect XXXX XXXX does not allow 2 Chapter XXXX 's within a 10 year period. So how if I filed in XXXX can I file again in XXXX? Impossible. Today I provided them with a letter from the United States Bankruptcy Court Eastern District of California stating that I can not have filed in XXXX because it has only been 8 years. And they still have refused to help. I spoke to a Mrs XXXX in their Consumer Affairs Department and she stated on a recorded line she would not be removing the information. Please help me correct this wrong.
Consumer complaint received 2020-09-30
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. (CA)

I am currently applying to the US SBA Office of Disaster Assistance for an Economic Injury Disaster Loan. They have placed four inquiries on my CBR as they are probably refreshing the information as my application goes through the necessary channels.

Experian is reporting this as four separate inquiries, when in fact, it should only be one inquiry. I have tried to bring this to their attention and have received that this is 'not disputable. ' Thank you for being here.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Tihs is my multiple compliants .... I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed ITEMS below. 

XXXX Account Number : XXXX UPDATE and remove the late payment of this account.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

Hello, To tell you that I have never received a notification of an outstanding debt from the pediatrician. 

I have received this bill without being aware of an outstanding debt. 


Please your support to be able to cancel this debt. 

Thanks.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (OH)

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. 

DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have not been able to obtain my credit report for the past several years online. Each time I attempt to get my report, I get a message that says I have to mail in copies of w-2 form, driver 's license etc. When I call Equifax 's customer service, I am told report can be mailed to me and it will take 5-7 days to reach me. I don't understand how the two other credit reporting agencies can provide this information online and Equifax does not. I shouldn't have to go through this unnecessary action each time I request my report.
Consumer complaint received 2022-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

They have refused a check from the state HAF program. For my past due amounts and now, as of XX/XX/2022. They have suspended a check or canceled a payment for the Program as sent on XXXX for the amount of XXXX. 
I have called both the HAF program and the mortgage company and have received XXXX different answers about my past due and current payments I have been approved for XXXX months of mortgage payments. The payment was excepted in XXXX and XXXX.
Consumer complaint received 2020-09-30
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. (MN)

Over the past 46 days I have sent two dispute letters in regards to several accounts that are not mine and need to be removed. After the first letter was received by the bureaus involved an investigation was completed by the bureau. Upon completion the accounts should have been removed. However I was notified that the accounts are in a resolved status and have not been removed. I then sent another letter asking again that the inaccuracy be resolved.
Consumer complaint received 2022-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc. (FL)

I don't know how to even begin this other than the fact I am extremely frustrated and am dealing with brick walls at this point in terms of resolutions. I was awarded from the XXXX XXXX back in lateXXXX, for a full mortgage assistance for XXXX XXXX, at XXXX application number is XXXX. With the XXXX, payments go out on the XXXX of each XXXX  The first payment went out on the XXXX of XXXX. I called around XX/XX/XXXX after not receiving anything and they said the payment was sent and should have been received by then. It is now XXXX the XXXX and still NOTHING from the mortgage company. At this point, I know for a fact Michigan Mutual have the payments and I am requesting they be found and applied. My electric company, XXXX are receiving the payments just fine. At this point, XXXX have sent MiMutual {$6100.00} and this needs to be found and applied. I also demand that MiMutual apply these payments to the FORWARD XXXX balance and NOT the principle. I have called XXXX and MI no less than XXXX times and am getting nowhere between the both of them. XXXX, are just a call center and are unable to provide check numbers, not even the supervisor ( I tried ) can. XXXX are blaming " the mortgage companies '' at this point. So here I am, writing a CFPB complaint in hopes that this gets resolved and fairly quickly AND is not an issue for the remainder of the XXXX XXXX award. Also checked, many times, the loan number and the address ( XXXX XXXX XXXX XXXXXXXX XXXX  ) were verified to be correct. I want someone with significant rank at MI to look into this and find our payments! Thank XXXX we are not in a foreclosure situation, because thanks to THEIR negligence, we would lose the house! 

Recently : MiMutual says they are " reaching out to XXXX to determine my participation in the program '' this is fruitless and baseless. The problem is the fact MiMutual is sitting on checks they have received and not posting them. My " participation '' is nothing to do with them. However, I provided them the application number and the phone number for XXXX and they have obviously done nothing. Terrible mortgage company.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

FNB has charged me {$110.00} for Returned Item Fees for 2 attempted transfers. 

1 ) I tried to transfer my checking account balance of {$400.00} to another bank. FNBs website allowed the transfer of my full balance, but then tacked on a {$0.00} fee, which resulted in a {$0.00} overage and a Returned Item Fee of {$37.00}. 

2 ) With my account showing the transfer failed, but not showing the {$37.00} fee, I had a balance of {$400.00} again. I tried to transfer this balance to my brokerage. FNB hit me with another {$74.00} Returned Item Fee because my account balance was only {$360.00} when the website stated {$400.00}. 

3 ) I have tried twice now to contact customer support via Chat. Each time, I am told I will receive a call back once customer support reviews the problem. I have never received a call back.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was Paying off my credit card and closing the account. I called the company to verify the amount I needed to pay in full to close the account, and sent that amount. I have since received a bill for more interest. I called the company and spoke with them three times about this and the said there was nothing they could do. The amount that I was told to pay in full on or about XXXX was {$1300.00} and that is what I did.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (FL)

This is just a complaint about a scam constantly calling and texting to tell me they have approved a loan that I never requested and they want all of my information so I can sign the paperwork. I'm not falling for their scam but, someone else might and that's why I'm reporting them. 

I tell them I never requested a loan and to stop calling/texting and they won't unless I give them my information. 

The name of the company is Explore Credit and the phone number is XXXX and they have been calling for at least 5 times a day for over 2 weeks now.
Consumer complaint received 2023-03-03
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. (FL)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have an excellent payment history with my payment accounts, credit cards etc. It started last year that Comenity bank said they received information from XXXX  that I have sever delinquencies. I reached out to XXXX  and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and XXXX XXXX  closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.
Consumer complaint received 2020-09-30
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)

I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards accounts from XXXX XXXX XXXX. Their investigation should discover that my claims are accurate and they should remove these accounts immediately. XXXX  has completed their investigation and removed both accounts without hesitation and I'm looking forward to the same action to be taken as this negative information is hindering my financial state in such unprecedented times. Below I will attach supporting documentation from XXXX  regarding the results of their investigation.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Equifax ; XXXX and XXXX should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my credit report the account with XXXX XXXX XXXX was opened XX/XX/XXXX. As of today this has not been removed from my credit report. The 7-year clock starts ticking 180 days from the date XXXX month and year ) of the XXXX missed payment that led to charge off, collection, foreclosure or repossession. 
" The 7-year ( credit reporting ) period referred to in paragraphs XXXX 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. XX/XX/XXXXc ( 1 )
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX  did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Consumer complaint received 2021-02-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Credit Acceptance Corporation at : XXXX XXXX XXXX, XXXX, MI XXXX has reported a negative claim on my credit profile, demanding two separate payments of {$11000.00} and {$5700.00} for an auto loan that I do not owe the company, as I've no prior nor existing account with the company. 

I've steadily worked very hard to on my credit ove the past three years, living in an unbearable one  motel room with my family of four  in order to finally purchase a home at the end of XXXX, 2021 so that my family and I can begin to experience life with dignity again, particularly in the interest of my XXXX XXXX, fantastic XXXX. But Credit Acceptance erroneous claim on my credit profile have now reduced my scores about 90 points each, halting my ability to forge forward as I've planned. I can not let anyone try to defeat my hopes and dreams.
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ClearLine Loans LLC (TX)

On or about XX/XX/2023 I began receiving emails in my gmail acct about pre approved, unsolicited loans> i have not applied for any online loans. On XX/XX/2023, I received 2 voice mails on my cell phone to call and complete the process for my pre approved loan. i returned both call to Clearline Loans and informed them i had not applied for a loan and this was a fraudulent claim. Both representatives requested I file a police report and they take fraud seriously. They would flag and remove my account from consideration and that the application was from a clearinghouse and I would likely receive more offers. The company did verify my birthdate. 
I have filed a police report and have had a lock on my credit due to 2 prior identity theft issues.