davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Liberty Career Finance, LLC (TX)

I applied for a job with XXXX XXXX  XXXX  XXXX i was told by the instructor that i failed the training and was dropped from the program later i get constant threatening phone calls threatening to put it on my credit report that i owe XXXX XXXX dollars for sub par truck driving training on trucks that are not legal to drive on road bad brakes bad tires not safe i never signed any of the debt collections documents or liberty career finance complete forgery lies of employment offer free cdl on the job training complete bait and switch scam and they will not stop calling at all hours threatening legal action
Consumer complaint received 2019-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NJ)

Diversified consulting ( XXXX ) phone company I never opened a account in XX/XX/2018 and its still reporting thats it open and I have never open account {$1000.00} I contact company to see what could I do they told me they was investigating they never got back to me nor did I receive any more info
Consumer complaint received 2023-03-06
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. (NY)

XXXX / TransUnion did not fix my child support reporting on my report. I send them proof three or four times and they were legit a FAMILY court order XXXX XXXX  XXXX child support worker Revolution.Letter. The judge ruled on XX/XX/2022 starting on XX/XX/XXXX. I will pay the mother directly and not through the child support unit case XXXX. but department of child.support was my account {$110.00} XXXX XXXX XXXX and finally they corrected it. give me credit to a zero balance and they close my account. The credit bureaus did not correct my account and hes doing a lot of damage. On my credit report it tells me its still open and it was late in XX/XX/2022 that is not correct and this needs to be corrected or delete the whole child support account because its close now. this is causing me a lot of headache and it seems they are not working with me on this issue.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (MS)

The account was mine and my ex-husbands. When we got the divorce he got the car and has not been paying notes on it. I have begged him to refinance in his name only and when he refused I called the company Credit Acceptance where it was financed through and begged them to come get the car due to me being the military personnel on the loan. They also refused to come get the car. He has been arrested in the car numerous times and I dont want to have anything to do with it and I want it off of my credit.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Unauthorized charges on XX/XX/2023 for XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Filed a claim with Wells Fargo, but was told these charges were made by me. But how could I have been in California, Nevada, Illinois, and New York all in the same day? All charges from these businesses were not made by me or anyone on my behalf. 

My Wells Fargo Claim Case Number : XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

I filed a dispute with Citi over a charge that I did not make on my card. Citi immediately reversed the charge and started an investigation, which I appreciated. 

About 45 days after I filed this dispute Citi contacted me and indicated that " Based on the information available, we have closed our investigation and reversed our credit. ". The only information Citi provided me was a document from the merchant. The merchant indicated that only my credit card number and expiry was provided ( no CVV, no address, no zip code ). The merchant indicated that someone whose name does not match mine or my authorized cardholder made the purchase. The email address and phone number also does not match mine or my authorized cardholder. See my attached document. 

It appears that Citi is not actually doing any investigation here, but is blindly reversing credits when they receive any response from the merchant. I would like to understand if federal law requires Citi to do more than just this. No reasonable person would look at the evidence and conclude that this charge was legitimately made. 

I am continuing the dispute process with Citi, but I feel the process is unreasonable given the evidence and that Citi is not upholding their obligations under federal law.
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

The item on the report in question is KOHLS/CAPONE for {$180.00}. I tried reaching out to KOHLS at ( XXXX ) XXXX and they told me they could not find my information and was unable to assist due to not having my information on file.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

re : XXXX XXXX XXXX account # : XXXX Credit payment history is being reported incorrectly. According to the FCRA I have the right to 100 % accuracy of information furnished by the Credit Reporting Agencies. My credit report furnished by Experian clearly states my LAST PAYMENT was made in XX/XX/2017. The XXXX history clearly shows a payment I made the following month in XX/XX/2017. Both reports can't be true as this questions the entire payment timeline of this account. This inaccuracy is a VIOLATION of my rights and is very damaging to my ability to obtain credit and purchase a new home for my family.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-17
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, IS U.S Code 1681 b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consurer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

My husband and I tried to refinance our home with Wells Fargo starting in 2010 and they jerked us around & had opened a revolving credit account for {$15000.00} without our knowledge. We were trying to get a XXXX  year fixed mortgage and they just spun us around until we couldn't make the large interest only payment. We put our house up for sale and ended up selling it for {$740000.00} instead of the {>= $1,000,000} they had appraised it for. They kept bullying us every week and headed into foreclosure on XXXX. Our house is worth over {>= $1,000,000} now. 

I have just got the run around again today by calling the number you supplied, XXXX to verify that we are on the list of damaged customers. They sent me to XXXX different people and no one can help me. They say they only see that we had owned the house and the old address. 

It's still the same run around we got in XXXX  until we finally had to give in to the lion and sell our home to avoid them finalizing on a foreclosure. I have a bankers box full of letters and communications with ultimately no help. 

I have attached just a portion of the countless communications I tried to have with Wells Fargo.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

In XXXX of 2022 I notified the lender about not being able to make a payment on my loan. At which time they notified me that I have the option of requesting a forbearance on my loan for up to 6 months, with the ability to get a deferment to the end of my loan period. I submitted the request and it was approved. I paid all but 2 months of payments. In XXXX of 2022, I spoke to a representative from Mr. Cooper about the deferment and they submitted a request. Today, I found out that I'm two months behind because the " Investor '' that has my loan does not support a deferment, and I have to come up with {$3200.00} to bring my account up to date. This was all very deceptive and I feel it is not in the spirit of the Federal COVID relief Program. 

Mr. Coopers solution to the request a Loan Modification program, ( at which I lose my rate, and have to take a higher current rate ) or pay the amount in full.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened an account with capital one bank. 
I have deposited checks that are in total of {$130000.00} they tried to verify the checks, and they were able to verify all check except for one I tried to work with them to help them get in touch whit the congregation that gave me this check for about {$21000.00} in the meantime, I got an email that my account is closed, and they told me that they are holding my money until they end the investigation on the checks ( that includes checks that they verified already )
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Submitted a request to have inquire remove from my file that was fraud fron XXXX XXXX that was submitted on XX/XX/year>. IT WAS FRAUDULENT .... Transunion would not removed see complaint number XXXX thay said that it would remain on my file for XXXX years even though I did not request this inquire. If they get paid for keeping it on my report then they should have to paid me too. I have a freeze on my report so how is this get on my report. They suppose to call me before accessing my report.
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my dissatisfaction with XXXX XXXX XXXX XXXX handling of my car loan. I had a car loan with your institution, and unfortunately, the car was sold, leaving a remaining balance of {$2200.00} and a repossession on my credit. 

I had an extra gap insurance policy with XXXX XXXX XXXX XXXX to cover any extra expenses in case of car damages or repossessions up to no more than 150 % loan remaining balance. However, despite having this insurance policy, I was still left with a significant balance and repossession on my credit. 

Furthermore, I have discovered that changes were made to my account without my authorization. I have reason to believe that these changes were made through a document that was illegally obtained while I was incarcerated. This document does not have my signature or annulment with XXXX XXXXXXXX XXXX XXXX yet the changes were still allowed to go through. 

I have disputed this matter in a couple different ways. The situation has caused significant damage to my business funding, my living situation, my future moving situation and the funding of my daily living expenses and use of my credit line. It has been a major setback for me, and I am extremely disappointed with the way that XXXX XXXX XXXX XXXX has handled this matter. 

I have attached the relevant documents to this letter to support my claim. I believe that XXXX XXXX XXXX XXXX should have taken more care to ensure that changes to my account were made with my authorization. 

I will like to request XXXX XXXX XXXX XXXX review my case and refund the remaining balance on my credit as well as take the repossession off my credit. I also request that you investigate and unauthorized changes made to my account and take appropriate actions to prevent this from happening to other customers. 

I trust that you will take the necessary steps to resolve this matter in a timely and satisfactory Manner. 

Thank you for your attention to this matter. 

Sincerely : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

On XX/XX/2019, NJ HESSA reported that my loans, XXXX, XXXX XXXX, as being 30 days late. This is incorrect reporting because they were supposed to be in deferment since I had started classes on XX/XX/2019. I contacted them and made them aware and they informed me that although my status had been updated on the national publishers clearing house it had not been updated in their system yet. I was informed that once it was the loans would go back into deferment and any negative reporting would be corrected. It is now XX/XX/2019 and the negative 30 day late for the month of XXXX remains on my credit report for all three loans listed above on all three credit bureau agency reports.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NJ)

Dear CFPB officer, I recently made a wire transfer from my Chase business account to a 3rd party using an account at XXXX  The {$2000.00} that I wired has been missing although it was sent more than a week ago. I tried to ask Chase if they can help and all they are telling me is that they have made the wire transfer. I also tried to withdraw the wire and I received no response from Chase. The 3rd party that I sent the money contacted XXXX  customer service and they keep saying that they can not locate the funds. The money has practically evaporated within the United States.
Consumer complaint received 2023-02-24
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. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency XXXX 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 XXXX years. 
15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

For the past week beginning XX/XX/19 National Credit Adjusters has repeatedly called my work and personal phone during the day. I am typically on the phone most of the day so I have not picked up the calls. They leave no message but I do not have any outstanding debts or debts that would have been turned over to collections. They are harassing me. I am afraid to pick up when they call because everything I have read states that they are verbally abusive.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (VA)

There is a class Action lawsuit on Santander Consumer USA right now. We got a loan with them in XX/XX/XXXX for a new XXXX XXXX. The loan was {$27000.00}. I have paid on this car for almost 4 years and they are telling me that I owe over {$19000.00}. This is impossible. I also added to do extensions with them and they never disclosed increased interest rates or anything. My balance never seems to decrease. I filed bankruptcy for myself in XX/XX/XXXX. They refused to do a payment extension or anything g to help me unless I signed a reaffirmation on the loan. My husband was on the loan as well and did not file bankruptcy. The interest is outrageous and we were put in a loan that was near impossible to pay but we had to have a car. After the bankruptcy discharged I figured out that they were not reporting our payments to the credit bureau. Not even for my husband. When I called they told me that they didnt have to report the payments. I told them that I signed a reaffirmation and that my husband never filed bankruptcy. They acted like I was crazy and didnt know anything. I am certain they have added unknown fees, etc to my account. They refuse to help you and act super rude anytime they are questioned about anything. I just became aware of this lawsuit today while looking at their website. I feel as if my loan should be included. Our credit bureau reports do not even show a loan for either of us with them. I asked them what would happen if we didnt pay the loan since it wasnt in our credit bureau reports and they told Me they would come after us and they would make us pay. They are like punishing my husband in a way even though he never filed bankruptcy. The payment is {$510.00} per month for a $ XXXX {$12000.00} car. That is a house payment for our area. How can that much money still be owed in a car when it only XXXX XXXX XXXX at around d $ XXXX {$4500.00}? They gave us a loan when we never thought it was possible. We owed a lot at the time, but they made it sound great at the time and we had to have a car. It makes me sick that we have been done so wrong with this company. I am behind on payment now and they told Me before that they would repo if we defaulted, even though they do t report anything g in us at all. That doesnt seem right to me at all.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

My name was used with someone named XXXX XXXX as a co signer to create this account without my knowledge. I never opened this account up. My identity was stolen and is being used to open several accounts fraudulently. I have had my data breeched four times since 2019. I've tried to resolve this issue several times to be able to actually open my own line of credit through XXXX  XXXX in realizing there is already a fraudulent account. It's been a couple years that I've had this issue with lvnv funding inc and it stands the same today as they have kept it. Stubborn as they are they refuse to change or dispute the charge and won't listen to my report for them.