davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-26
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. (GA)

I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, XXXX, and Equifax both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my Equifax report. The information is similar to the same on my XXXX file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.
Consumer complaint received 2021-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TN)

I have requested documentation. They told me they would have the executive office call me. Until that time, I do not have any documentation and specific dates. I apologize. I paid {$550.00} a month on a broken car I got from XXXX. I paid this amount for XXXX years. My balance never went down. Then, recently, my payment jumped from XXXX to XXXX. So they considered me as five months behind even though I was still paying the XXXX. According to my records, I was maybe one month behind. That's it. They repossess the car. Now they are trying to serve me papers. I am moving to avoid this. I'm a single mother and I already work XXXX jobs. I am not capable of being garnished for {$16000.00} nor is it fair. The loan was through Santander Consumer USA. A quick XXXX search if you're not already familiar with it will show you that they have lost to class action lawsuits, one involved 33 States including Tennessee, the state I live in. I guess this was a subprime auto loan? That was never disclosed to me. I never heard of such a thank you. They have been ordered to do long forgiveness two people who made their purchases during the year that I did, 2018. I contacted them as the lawsuit website directed me to and ask them to please check if I qualify for the loan forgiveness. I'm sure I do. This is very predatory lending. They told me that they don't think that I do and that the executive office would call me. I still have not received the phone call. I need help with this. Is there anything you can do to help me? Thank you so much.
Consumer complaint received 2021-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to you requesting an investigation into items that I believed were wrong I have not received a reply from them or any acknowledgment that an investigation has begun.
Consumer complaint received 2021-09-26
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. (GA)

I disputed with Experian to have a negative accoujt removed from my credit report. 
There a three errors  for this particular account. The account was with XXXX XXXX  XXXX XXXX XXXX 
The account states its been charged off. 
Then it states the amount {$610.00} had been written off. 
Then it states the amount {$610.00} is overdue as of XX/XX/XXXX. The month of the dispute. 
This account was closed at the credit grantor request. Yet, Experian continue updating the information as accurate instead of deleting it from my credit report. 
I disputed the same errors XX/XX/XXXX. 
I also disputed the same errors XX/XX/XXXX. 
Each time I dispute this account, experian updates the amount owed to the month I disputed it on. 
This account was closed at credit grantor request. 
Why does experian refuse to delete this from my credit report?
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Advantage LNS Inc. (TX)

I am writing to file a complaint on Agent XXXX XXXX with National Credit Audit Corporation. She has wrongfully filed a debt on my rental history solely out of spite of me not paying her a debt that is incorrect. XXXX tried to force me to pay a {$6000.00} debt was wrongfully reported and once I told her Id rather file a dispute, she cursed me out and called me out of my name. She acted in a very unprofessional and unlawful manner and I do not feel comfortable with her having access to misuse my personal information. I am requesting the wrongfully reported debt be removed or transferred to a delivery debt collector until I am able to come to a resolution. XXXX threatened my livelihood by wrongfully reporting a debt instead of helping come to a solution to the issue at hand. She is misusing her position as a debt collection agent and should be closely monitored or terminated.
Consumer complaint received 2021-09-26
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 — Problem with personal statement of dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

I sent a validation letter to this collection agency twice requesting validation. The most recent validation letter was presented to this collection agency XX/XX/2021. The letter requests validation within 30 business days. I have yet to receive the validation and they are continuing to report negative information on my credit report with all three credit reporting agencies.
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (GA)

On XX/XX/XXXX, I tried logging into my gemini.com account and was alerted that my account was frozen and their security team needed to review it. They did not tell me the reason my account was frozen and I waited until XX/XX/XXXX to follow up via email and their XXXX account to ask for an update. I received no response and then received the same email I received on XX/XX/XXXX that my account was frozen. 

I'm totally fine with Gemini reviewing my account, but it's been weeks without hearing from them and my money and securities are currently stuck.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

I have been studying the Uniform Commercial Code, the United States Code, the Code of Federal Regulations, Negotiable Instrument Act, and the Bill of Exchange Act. I realized while studying these articles for the protection and education of the consumer that the instrument that was delivered to me at the dealership was a self-liquidating asset, which could be made payable to the bearer or to the order of someone. Once I realized this, I tendered the instrument to them in full satisfaction of the claim, to which I was denied and told that the promissory note had no value and was threatened to be reported for fraudulent activities. I have tried to explain and requested that they, since they claimed to have no knowledge of the UCC and that the UCC did not govern any part of the transaction between us, look it up and learn for themselves. I also sent in letters explaining what these things actually are with no success. I also learned that the bills that were being delivered to me via mail were due bills that could be converted into negotiable instruments, according to the UCC, and seeing how they have an account and routing number on the bottom of each payment coupon, it indicates that what is being issued are checks. Their refusal to listen and learn has led to the closing of my account and a repeated injury to my credit score.
Consumer complaint received 2021-09-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I applied for a VA/HUD addendum mortgage and the bank consultant XXXX XXXX after sending me documents to sign and complete the lender process declined after my calling about the matter. And emails, letter and phone calls he stated were mede but a VA/HUD addendum with the VA Form used to obtain the mortgage loan.The form for a Veteran to obtain the mortgage loan but I am declined because of a FICO score leaving me no options to get a mortgage loan and all involved unknown to me just fraudulent practices on my application. Discrimination against me! VA Mortgage Loans are backed by the Veterans Affairs Administration and I am declined. I want to sue Wells Fargo Bank for $ XXXX.For damages awarded soon I am homeless and a Veteran with first time home buyer opportunity and benefits.
Consumer complaint received 2021-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

I submitted a dispute, Chime Visa told me it would take " up to '' 90 days. 90 days was up XX/XX/21 and they now still say they have no further information and they aren't sure what's taking so long and have forwarded my dispute to be escalated several times. I am a consumer and I am protected by law. What action should/can I take? I can't believe after 90 days they still have no resolution or information yet, it's been 102 days.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (FL)

Jefferson capital systems is adding old collection items that are past seven years old back to my credit report. They added {$1400.00} from an old XXXX charge back from XXXX. I would like this removed off my report. Be wary of Jefferson Capital Systems
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CO)

On XX/XX/XXXX I submitted a request to change the 2-factor authentication on my Binance account as my phone had broken, needed replacement, and my two factor auth codes could no longer be accessed. I received a reply on XX/XX/XXXX to send verification documents, including a video of me holding my ID card and reading a statement, and a photo of the ID. I sent the documents promptly. Since then, for 12 days so far, I have had no response from customer support despite many attempts to get in touch with them. The documents I sent were sensitive and I still have no way to access my account, which holds approximately {$10000.00} in cryptocurrency.
Consumer complaint received 2021-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (OH)

I requested information from WELLS FARGO AUTO to validate alleged debt, and I have since been ignored. I sent them a cease and desist on XX/XX/2021 and asked that they provide me with the required documentation per federal law so that I can verify and validate the debt they are alleging I owe. My rights were violated several times even after they were in receipt of my letter. I have been harassed by WELLS FARGO AUTO over the phone calling me over and over again and they have sent letters claiming that they will steal my property if I don't pay them. This is a blatant violation of consumer rights. They have also reported this to credit agencies and I have been denied credit as a result of their reporting false information and un-validated debt. I've sent them notice along with an affidavit of truth on XX/XX/2021, to which has gone un-rebutted and ignored. I have also given them another notice on XX/XX/2021 both with return receipt so I know that they got it. They have now cost me thousands of dollars as well harmed my reputation with other companies that I want to do business with.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (FL)

I keep getting hard inquiries on my credit report that I never made from a bank in XXXX. I have one from XXXX and I called and they said it was an error and were supposed to remove it from my report. I then froze my credit because I was worried about identity theft. I just got a notification that the same bank pulled my credit again yesterday and when I checked the other inquiry is still on my report as well. At this point I dont know what to do. I thought my credit was frozen so nobody could try to open accounts in my name, but the same bank is still allowing someone to try to open accounts I my name.
Consumer complaint received 2021-09-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I applied for a mortgage VA as a Veteran and all Veterans quality as long as honorably discharged from the military as a benefit to homeownership but I am declined. Because of a credit score or FICO score and how can that apply to me. When in the military income is meager and purchasing limited and spend my income and taxed? My pay rate is increased by college credits and to get a good paying job and credit is the reason of score but I paid off my loan in college and no debts. Injustice to me. And business wants to exploit me by credit score. Getting better credit they say buying things with what income? Discrimination! But child support payments are not needed fto report as income for a female. To use as paying back a mortgage.And they have no college. Injustice by the Federal Reserve Board and Chairman! I want to sue the government for {>= $1,000,000} for the discrimitory practice. A homeownership will never exist for me a Veteran with the faalse standards. I would not need a mortgage ever and fair credit reporting non existent. The lenders continue to resort to that credit score. Then XXXX score. Covering up things as I see. Corruption in the government. Whom will rectify the situation? They see no wrongdoing to me. IRS or nothing those white people are racist who are guilty!
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

XXXX and XXXX Card was the same request to resolve and issue showing on my credit report that I did NOT authorize I called on XX/XX/2021, to inquire why they were on my credit report as a hard inquiry, they sent me a letter. When I got the letter to see why I was not approved for their card when they did a SOFT inquiry THAT I DID NOT APPLY FOR. That is when they checked the file on XX/XX/2021 to see what was happening. This apparently resulted in another HARD inquiry just for finding out what was happening. Neither inquiry was authorized. I will agree, I do not understand how most of these credit card companies work. Please help me and remove these hard inquiries off my credit report. This was not fair and not authorized to place a hard inquiry on my credit report. Please help me and delete both inquiries. I have filed numerous disputes, State of TN Affidavit 's and FTC complaint regarding these two inquiries to be removed from my credit report, that I did NOT authorize. I also did not authorize " XXXX ''. Please remove them all.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lending Club Corp (NC)

Lending Club, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX : Lending Club pulled a credit report without my consent and without giving them any information other than clicking on the website and using their rate calculator. I did not request a quote. I did not give them my social security number. I don't even have anything I need a loan for. In fact, I was just trying to see how much monthly payments would be for a friend who needed a loan. Sense I was not looking for myself I obviously did not request a loan. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( phone number not available ) XXXX XXXX : XXXX XXXX illegally purchased my information and pulled a credit report without my permission. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX XXXX  XXXX : XXXX  XXXX pulled a credit report after illegally purchasing my information. I never clicked on their website. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX  : XXXX pulled a credit report. I never clicked on their website. I used to have a XXXX credit card that I opened when I was an employee for XXXX back in XXXX. The credit inquiry was pulled on XXXX ( C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : XXXX XXXX Pulled a credit report after illegally purchasing my information. I don't even know who they are. 




XXXX XXXX XXXX : I did not request anything from this company. 
( XXXX  XXXX  XXXX, XXXX, AL XXXX phone : XXXX I never gave any of these companies my social security number, I never signed a form giving them permission to pull a credit search, I never requested a quote, nor did purchased anything from them. I don't even know who these lending companies are. All I did was click on ONE and they hack into my computer, stole my information and sold it to other lenders. I had to put a freeze on my credit because of this. These practices are deceptive and hurt your credit score. I would like justice please. I contacted Lending Club and they said they don't know who pulled the credit reports from their company and they can not help me ( run-around ).
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies XXXX, TransUnion and XXXX. Furthermore, I have contacted XXXX, TransUnion and XXXX as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I opened a US Bank triple cash card that advertises a {$100.00} credit after paying for a software purchase for 11 consecutive months. I began paying {$9.00} a month for an XXXX  XXXX XXXX on XX/XX/XXXX and have been paying it monthly since them. According to the terms, I would have met the 11 payments in XX/XX/XXXX. I did not receive the credit and followed up. I then called today XX/XX/XXXX and was told it could be 4 weeks until a decision was reached and a letter would be mailed to me. 

I would appreciate the credit now. I have met the terms. I have been paying consistently since XXXX of last year.
Consumer complaint received 2023-03-09
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: JPMORGAN CHASE & CO. (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card pen-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies Experian, XXXX and XXXX. Furthermore, I have contacted Experian, XXXX and XXXX as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.
Consumer complaint received 2021-09-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (VA)

I successfully paid off my car loan in XX/XX/2020, but Ford Credit did not send me a coy of the car title nor did it transfer anything to the Virginia XXXX. Ive tired to obtain the title from Ford but theyve been unresponsive.