davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Acct # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX Accts # XXXX and # XXXX, XXXX  XXXX XXXX Acct # 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 an account without my written instructions
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2020, XXXX XXXX XXXX XXXX did a hard inqury on my report. During that day, I was at the XXXX Dealership looking to purchase a new car, which never happened. The salesman provided me with two lenders they used ; however, XXXX XXXX was not on the form. 

They ran my credit and caused my score to decrease. I did not authorize them to run my credit as I already have an account with them.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About two years ago i discovered that i have been a victim of identity theft, I discovered that someone unknown to me had used my personal information to get few credit cards under my name and one of these accounts happened to be with BANK OF AMERICA. at that time i had field a police report and had sent the dispute to the bureaus and bank of america and the other credit card company. Both items were deleted from my credit report immediately and i never heard from either companies till a year later when i tried to purchase a vehicle i noticed the same account from bank of america has appeared on my credit report. I immediately disputed the accounts with the bureau and bank of america and the account was removed and put back on my report again. Finally i came to this site to get help to resolve this matter once for all.
Consumer complaint received 2020-01-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

In XX/XX/2019 I was contacted by my mortgage company, Freedom Mortgage, where they offered me a lower VA rate if I accepted a refinance through them. They advertised that they could switch my mortgage to the new rate and by XX/XX/2019, I would be able to skip a payment and move forward with a lower rate. After months of miscommunication and lack of follow up by Freedom Mortgage they blamed the VA for the process taking so long and said they didn't have the proper documents to prove my service ( even though I already had a VA loan through their company. ) Finally, I was able to schedule a closing in XXXX. Freedom Mortgage cancelled the XXXX closing without notifying me. I then rescheduled in XXXX, where they cancelled again without justification or notification. The VA rate that Freedom Mortgage gave me is higher than the average VA rating with other mortgage companies. They only contacted me to keep my business, knowing that their rates are higher and are now dragging me through this process in order to prevent me to refinance with another company. This is an unfair and deceptive trade practice and is causing me and my pregnant wife much aggravation and stress. It has taken them over 5 months and they still are unable or unwilling to close on my refinance.
Consumer complaint received 2020-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2020, Capital One Auto Finance did a hard inqury on my report. During that day, I was at the XXXX Dealership looking to purchase a new car, which never happened. The salesman provided me with two lenders they used ; however, Capital One was not on the form. 

They ran my credit and caused my score to decrease. I did not authorize them to run my credit as I already have an account with them.
Consumer complaint received 2020-03-08
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

On XX/XX/2020, I went to XXXX XXXX XXXXXXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. 

After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. 

Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX  XXXX XXXXXXXX. They had no right to send my information to multiple sources.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED SO MUCH STRESS AND HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. ITS CLEAR THAT FRAUD PLAYS A VERY IMPORTANT ROLL IN THIS MATTER. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED SO MUCH STRESS AND HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. ITS CLEAR THAT FRAUD PLAYS A VERY IMPORTANT ROLL IN THIS MATTER. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been checking my reports and my consumer law rights have been repeated violated. after chasing down my worker from the XXXX for answers or correspondence from XXXX, it took her XXXX months to give me an update to my case. I emailed her multiple times. I never received anything from the bank or the XXXX XXXX. They are reporting open accounts on my credit file that are not open. I do not have any lines of credit open with them at all. They are reporting an open balance on these accounts with past due balances beyond XXXX  days. Then on the same report, another account with the same credit union a closed account with a past due balance. I never received a notice of sale or deficiency notice as required by law. They emailed it to my XXXX representative but never sent it to me as the consumer of the supposed debt. This violates the FCRA and Fair Debt Collecting Policies to help protect consumers all over our nation. The XXXX XXXX XXXX and her loan XXXX XXXX XXXX has forged documents to send to the XXXX which shows incorrect balances after the private sale they had at the bank. I also received a letter stating that XXXX sent me a letter regarding closing my credit card account that was never given to me, mailed to me, or emailed to me. I requested proof of the sale price to show the deficiency but the bank refused to produce this information even after asking. This is completely ridiculous and banking practices like this cause consumers of XXXX to really think about unfair banking and discrimination. if you look at the deficiency letters, they address me at the top but do not have a date on the letter. How and when was this sent?
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I disputed inaccuracies and incompleteness about a tradeline reporting on my consumer credit report with the agency and they failed to investigate the issues but instead responded to my dispute stating the information was verified as accurate. this is stated in the letter attached to the complaint.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I saw that on my credit report, I have XXXX hard inquiries, but XXXX of them are part of the time I was looking at financial institutions to purchase my car. I was told that the credit bureaus count multiple inquiries when shopping for a car as one inquiry on your credit report. Please remove XXXX of the hard inquiries and keep the last one with XXXX XXXX on XX/XX/2019, as that was the financial institution I took out the auto loan with.
Consumer complaint received 2020-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (KS)

They have yet to fix the overdraft charges they caused by running a check on the wrong account. They did not look at the check they had. Went to location in XXXX KS, made the payment with a check. The person did not look at the check in there hands, and used my other account instead of the one that they had the check for. This caused me to accure overdraft charges since it was not supposed to come out of that account. Talked to the person and took in the check to show them there error and was just brushed off. Also called corporate office and was basically brushed off there. I am going to be paying off the account but don't want to because they owe me money for their mistake. It has now been almost two months since this has happened and nothing has been done other than me getting the run around. I will never do business with this company again as they do not know what customer service means. Nor do they understand simple accounting.
Consumer complaint received 2023-05-15
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: CITIBANK, N.A. (PA)

We were deceived in a XXXX airport into traveling with criminals instead of the transport company we engaged. In the process they claimed there was another charge and to get pesos for it we attempted to use an ATM at which they apparently skimmed information from my credit card, which was later used to submit a false transaction. I think rejection of my fraud claim violates the Fair Credit Billing Act. The reason they gave me for denial is that I gave my credit card information to the " vendor '' who in fact was a criminal who impersonated my vendor. In fact I didn't willingly give the criminals the information. 

XXXX XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

My personal loan with XXXX XXXX went to collections with them for falling behind in my payments. However, when I tried to make payment, I was told I could not make payments and would have to wait until the collection agency called to make payments. Months went by and I was never informed of how to may payments. 

I called them twice and spoke to the collections department. On a recorded line, I was advised that I would be provided information on how to submit payments. This never occured. My credit report keeps having negative remarks every Month. This account has been paid in full. I have tried to resolve this matter over and over, and they have the recorded conversations to prove.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I saw that on my credit report, I have XXXX hard inquiries, but XXXX of them are part of the time I was looking at financial institutions to purchase my car. I was told that the credit bureaus count multiple inquiries when shopping for a car as one inquiry on your credit report. Please remove XXXX of the hard inquiries and keep the last one with XXXX  XXXX on XX/XX/2019, as that was the financial institution I took out the auto loan with.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account comefrom but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (MT)

I have two loans with Axos Bank that Ive had numerous issues with per the previous complaints that Ive filed. 

I have most recently been trying for weeks to get a balance payoff on the Heloc loan because Im transferring that to a new lender. Im not getting a response. 

And now the latest issue is that they appear to be holding my payments until they are in default. I confirmed with XXXX XXXX  that two checks were mailed to AXOS on XX/XX/2023. They are both set up as automatic payments and have been for many months without issue. But now, neither the primary mortgage payment I made for loan ending XXXX in the amount of {$2800.00} or the second payment made to the Heloc loan ending XXXX in the amount of {$730.00} have been applied towards those loans. Its been 18 days since those were mailed. I believe the mortgage will be in default as of today as that due date was XX/XX/XXXX. I have tried, without success, to reach customer service several times now for assistance to resolve this issue.
Consumer complaint received 2022-11-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (CO)

I have a car loan from Ford, and they are currently violating UCC codes 1692 d, and specifically 1692 f ( 6 ) by sending a tow truck driver to my sons house on Thursday, XX/XX/2022, to repossess my vehicle. More detail : My grandchildren saw an unknown man on their property looking into their personal vehicles through windows and violating their privacy and sense of security ( XX/XX/2022 ), knocked on the front door and spoke with my son 's mother-in-law. This unknown man asked if she knew me ( he spoke my name ). So, they are trying to harass me and my son, by taking this/ these actions ( UCC 1692 d ). 

This company also somehow located my unlisted new residential address, which I have not divulged to anyone but the XXXX XXXX, my bank, and my son. How did they obtain this address? They proceeded to affix a bright yellow notice on the doorknob of the front door of my residence, in an attempt to shame me among my neighbors and friends with its bright yellow color, details about my vehicle loan, and a case number. All of this info, including my first and last name written out out in large print, were open to public view, with an eye-catching bright yellow colored background. 1692 d I also sent a payment, tendering a negotiable instrument ( UCC 3-104 ) in the full amount of the remaining loan, as of XX/XX/2022. I am protected under UCC codes 3-306 ( Claims ), 3-311 ( a ) + ( d ) ( Claim is discharged ), 3-603 ( no further interest after date of this payment ), and finally, 3-602 ( payment ).

They have not returned this negotiable instrument, so have accepted it. 

Please help.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (CA)

XXXX XXXX time share has put me into collection with Meridian Financial collection agency for over 1k. I purchased the time share in XX/XX/2004 and haven't used it in approximately 8 years or longer. I requested to end my contract and was never contacted or notified. Now Merdian collection agency has 4 open accounts on my credit score. No contract can be perpetual without an option to close it out if I'm not using the services. 

I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (UT)

Wellls Fargo did continue to recharge me on late fees. They don't care whether I paid on higher amounts on some payments. They said I was late on XXXX, XXXX but I was only late that time so it means the charges fees should begin after XX/XX/XXXX. However, Wells Fargo charged me each fees per month since early XXXX. They don't care I'd I pay too much but if I am under {$500.00}, they charge me anyway and even after I paid over {$1600.00} ... they continue to charge me. 

I was late to pay but did call in and wrote that I d be late but would pay them full amounts on XXXX which was {$1600.00} but they charged me every month. They did not waive after I paid {$1600.00}. They kept charging me. 

I paid it off yesterday on XX/XX/XXXX but they DO OWE ME about {$500.00} to {$700.00} from wrongful charge fees. 

In pics, next to XXXX XXXX XXXX XXXX, XXXX shows you I was on time paying. I was never late except XX/XX/XXXX. The due is every XX/XX/XXXX or XXXX. I always pay first week of month ON TIME!
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MN)

I am a victim of identity theft. I did not apply for the following Synchrony Bank Ashley Advantage credit card # : XXXX. The account is a fraudulent account and not my credit card account. I been receiving death threats, threats of legal action, jail and prison, harassing, profane, abusive and threatening telephone calls from Synchrony Bank in regards to a debt I dont owe for this fraudulent account. The account or debt is not my debt or account.
Consumer complaint received 2020-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We have had this loan for 21/2 years or so as it looks we have in the 2/1/2 years only paid {$17000.00} off loan that does not seem right at 4.5 %. Our mortgage payment is about {$2300.00} and {$600.00} impound and {$1700.00} for loan it totals {$51000.00} for 3 years so something is wrong in the numbers and we may have been over charged. This company has no respect in  customer service I have XXXX and have trouble some times but for them to act the way they do is rude, I have did the math on my loan it is not right there is some thing wrong. please look into this for me. ASAP as we are in starting of foreclosure.. please look at the numbers and help us to be sure of all the charges.
Consumer complaint received 2023-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (CA)

First off I did not receive any help to complete this. I have already contacted Affirm about fixing this and correcting their violations, but they have yet to do so. See attached for full details in my complaint and response to them.