davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne has manipulated the XXXX XXXX  I check on a daily basis and what ever they can pull up negative in regards does not jive with my settle disputes one thing they pull a XXXX report then XXXX Report and since I have resolved and brought my scores up mysteriously they use a XXXX inaccurate XXXX  report Its Like There In Competion with XXXX XXXX attached are the XXXX there coming up now with XXXX there manipulating ways to get highrer interest rate rating me poorly as I never screwed them and paid my cards off and closed IF CLOSING MY ACCOUNTS DID NOT EFFECT MY SCORE I WOULD IN A HART BEAT these practices have to stop example I had credit limits of XXXX paid and closed as a punishment they give me a XXXX $ XXXX credit limit WHAT AM I SUPPOSED TO DO WITH THAT? I will not ask for a line increase as last time the pulled 3 hard inqiries in one day SEE INQUIRES AND PREVIOUS CFPB CASE Unresolved
Consumer complaint received 2022-12-25
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: Experian Information Solutions Inc. (IL)

Submitted letter to Experian asking for the removal of 1.I did not authorize this inquiry XXXX XXXX XXXX XXXX of inquiry : XX/XX/2022. 

Sent letter on XX/XX/2022
Consumer complaint received 2024-03-14
Product: Credit reporting 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. (OH)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized 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 2022-12-24
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. (PA)

After Reading 16 CFR 313.18 & 15 USC 6801 thru 6805 - I realized that I was never given the opportunity to OPT OUT. All credit reporting bureaus are 3rd party vendors. Third Party reporting Bureaus are not permitted to share personal information such as transaction history, account limits, balances. They are allowed to report that the account exist. I am seeking to have the corrections to my report since this is a DIRECT violation of my consumer rights.

Pursuant to 31 USC sec 3123- All public debt is a government obligation and is to be discharged dollar for dollar.

15USC 1666 a - ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
Consumer complaint received 2022-12-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (OH)

So I recently purchased a vehicle with XXXX XXXX. When purchasing the vehicle I was lied to about the loan and final purchase price. I am currently paying at the end of my loan double the amount of the sticker price and my loan has only a XXXX percent interest rate. So only after purchasing the car did I find out how much Im actually paying for the vehicle. I feel like I was completely taken advantage of. I have fair credit and I also put down a substantial amount on the vehicle. In my excitement I think that they took advantage of that and knew that they could give me a predatory loan. Even the head salesman said they pulled some strings to get me the loan. Im currently paying XXXX $ every XXXX weeks on an XXXX year loan and Im very upset because I love the vehicle but feel like I was taken advantage of and not explained the loan in full detail. Please help me in this matter and maybe other people who have been taken advantage of. Thanks sincerely XXXX XXXX
Consumer complaint received 2019-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

I bought a XXXX XXXX XXXX about four months ago at a dealership called XXXX XXXX in XXXX. I got financed by a company called XXXX  XXXX XXXX XXXX. The day I purchase the car the manager at the dealership didn't let me test drive the vehicle before purchasing it. The the car had problems with the transmission or the engine I'm not sure what the problem was. I told the dealership to fix my car and they denied to fix it. I contacted the finance company and they told me the loan went through without me giving authorization that the car was in good running conditions. I told the finance company to tell the dealership to fix my car. The finance company told the manager at the dealership about my situation and I got a call back from the manager. He was angry at me telling me that the finance company was going to back off from the loan if I didn't tell them that the car was running good. They told me they would fix the car if I told the finance company that the car was in good running conditions. But they never ever tried to fix my car. The finance company knew about this problem from the start ever since I got the loan. Now my car got repossessed because I haven't given the first payment. I don't think it's fair that I didn't even get to enjoy or drive my car in the time that I had it. Now I don't know what to do since the loan went through and it's already on my credit and my car is repossessed. This looks like the finance company and the dealership worked together to sell me a lemon car that I didn't even get to drive. And now I owe them {$8000.00} because the loan went through without me approving of it. I need help getting rid of the situation I have XXXX kids and they're the reason I bought the car in the first place. Only to have a car that I couldn't even drive for 4 months until now that it's gotten repoed.
Consumer complaint received 2024-03-14
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. (LA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNT BEING REPORTED THAT I AM NOT AFFILIATED WITH NOR DO I HAVE ANY KNOWLEDGE OF. I CONTACTED THE CREDIT REPORTING AGENCIES AND NOTIFIED THEM OF THE INACCURATED REPORTING. I ALSO ADVISED THEM THAT MY INFORMATION HAD BEEN COMPROMISED IN THE PAST AND REQUESTED VERIFICATION. THESE ACCOUNTS HAVE BEEN UNVERIFIABLE. THESE FRAUDULENT ACCOUNTS AND CREDIT INQUIRIES ARE SEVERLY AFFECTING MY CHANCES TO OBTAIN CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED AND THAT VIOLATES 15 USC 1681, AND REPORTING FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2
Consumer complaint received 2023-07-24
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. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (SC)

I have spoken with all three credit bureaus in addition to the companies involved I sent paperwork proving that I did not open these accounts. Also, there are addresses that are on my credit report that I have never lived at, still, the credit bureaus refuse to remove them from my credit report. I placed a fraud alert on all three of my credit reports, but still, accounts are being opened without notifying me.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion will not let me see my credit report it has been blocked for several months, and I pay for Credit monitoring. I have tried to contact Transunion by mail with no response. Please I am asking for cfpb to help in this matter of unblock/unfreeze, so I can see my report. 

thank you for your help
Consumer complaint received 2024-03-14
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. (DE)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2019-01-19
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. (MI)

On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to Experian and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their Experian reporting. They verified their reporting was incorrect and verified that they sent over the correct information to Experian on 3 different occasions. Experian alleges they never received the updated information so my score is still suffering because of this one account and Experian 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The Experian Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.
Consumer complaint received 2023-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint needs to go back and credit to me the insurance that they charged me for that was forced place on my loan I have included the policies 1 ) The HOA had polices on the Townhouse going back to XXXX and I have had insurance on the inside with XXXX XXXX XXXX XXXX  XXXX and even before with another company that I will recover the data from, that the property at XXXX XXXX XXXX was also covered under too 2 ) there is more I paid the property taxes too and I am getting the canceled checks from my bank.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS/Select Portafolio Servicing , Inc During the refinance of the mortgage in the pay of statement pay a escrow refund {$230.00} dollars This included fore taxes and insurance mortgage. During XXXX SPS they dont pay taxes to the city of XXXXi between XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I paid XXXX. 
They was collecting from my check account {$940.00} dollars automatically every months payment. That included a escrow of XXXX in XXXX. The first 5 month XXXX SPS take from my check account {$1500.00} dollars. I paid to the XXXX XXXX for XXXX {$3100.00}. I was paid my insurance too though the association during this years from XXXX. I had several with SPS paying XXXX dollars more less.
Consumer complaint received 2023-07-24
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)

JPMCB ( XXXX bank ) has a auto loan date XXXX/XXXX/206 which is XXXX years old and should be remove from my credit report
Consumer complaint received 2024-03-14
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. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (NC)

XX/XX/XXXX, XXXX contacted Superfleet /Fleetcor/Comdata about not receiving an invoice Was told by representative there was a " GLITCH in our system '' Showed XXXX balance but paid {$750.00} anyway first week of XXXX. 
Paid monthly payment due until XXXX showed extreme Amounts due XXXX XXXX Contacted Company to request credit back for " high risk '' fees Each time I get a voice-mail. Nothings getting done. Finally emails were returned and someone tried to help but still not getting anywhere. Have all emails. 
Still made monthly payments minus these excessive fees ranging XXXXXXXX XXXX Over what we are use to paying for fuel costs. Was told XX/XX/2023 we would receive credits for over XXXXXXXX XXXX  Never received credits. Now XXXX is sending our account to XXXXXXXX XXXX to collect. We have XXXX credit. Never late on anything but when this company asked me to pay the balance of XXXX and then they would credit the fees after full payment is made, it made us very weery of who they are. We have heard about this happening to fellow businesses we know but never to us. We are at risk of our credit being varnished. And that is all we have as a small business. We have tried several times to resolve and nobody ever returns calls. We have made all attempts to fix this. Was on the phone all day with them being told different things by different reps. 
Please note, we have paid all monthly invoices on time each month minus the excessive fees they were charging.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Information for Capital One and XXXX XXXX credit cards are not being reported correctly every month which is effecting my XXXX XXXX. Capital one is current with no balance. Balance for other credit cards for XXXX XXXX are incorrect.
Consumer complaint received 2023-03-01
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. (MD)

I checked again my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (CA)

I highly dispute the credit reporting on these accounts being reported by Waypoint on behalf of XXXX XXXX. 

This company is reporting a paid collection account on my three credit bureaus and refuses to acknowledge that they never sent the first dunning notice to me. I have sent them several communications since XXXX of 2019, starting by disputes at the three major credit bureaus and following up with a direct letter to Waypoint sent to them on XX/XX/2019 advising them that they are violating my rights under the FDCPA. 

Specifically- I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. This information was innacurate from the beginning. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

In XXXX of XXXX PHH mortgage company took over my mortgage ( not my choice ). The company has the incorrect parcel ID and sent my tax payments to the incorrect borough for the taxes to be paid. The check was returned and I was never informed of this until I received A late notice from the borough in XXXX XXXX XXXX. I have been trying to get this situation rectified since XXXX and the Only thing I am Ever told is that its under investigation after reading XXXX reviews- this mortgage company is known for this same issue with other customers. My taxes are now delinquent- have been sent to collections and I have gotten absolutely no where with this company. They act like they are working on it but nothing happens.
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (VA)

This is in reference to Complaint number : XXXX-XXXX. Wells Fargo issued a response to the previous complaint, however, they did not actually do what they said they were going to do. 

In their response to my prior complaint, their letter says, " After reaching out to Branch Manager XXXX, our office was informed that she would be able to waive the stop payment fee. '' However, when I attempted to go to the bank and collect my money yesterday, I was told that the branch manager was unavailable and that they had no interim branch manager. Today I received a call stating that the stop payment fee would be waived and I would be charged a {$30.00} surety bond fee instead in order to reclaim my money. Otherwise, they said I had to wait until XX/XX/XXXX to reclaim by money without a fee. A fee by any other name is still a fee. I closed by account in XXXX and simply want the {$1500.00} that was left in the account back -- no more, no less. Unfortunately, Wells Fargo has made that impossible for me and insists on charging me excess fees for a check they allegedly issued that I never received. Furthermore, their response to my prior CFPB complaint was incredibly deceptive ; they simply replaced 1 fee with another.
Consumer complaint received 2023-06-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Carrington Mortgage deceptive practices during loan payoff. After receiving the payoff quoted they sent an additional payoff statement demanding more money. They have since returned the wire sent and the check sent for the additional money and are now demanding additional funds again. 

They are crooks of the worst manner and should not be allowed to remain in business. They should have to forfeit the payoff in full plus 3 times that amount to the consumer and pay XXXX XXXX XXXX XXXX for time spent in clearing trying to clear this up. 

They have refused to give us their agent of service trying to avoid a lawsuit.