davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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: Self Financial Inc. (OH)

Yes I set up a self builder account with this lender and they are incorrectly reporting on my credit as late. I spoke with them regarding that I was having identity theft issues and that I will be using a different account to pay my {$25.00} payment in XX/XX/2023 and called and gave a representative my new account information for them to deduct from. However they never deducted the money from the new account and they reported me as being late on my credit report! This is unfair practices as I am trying to buy a home and suddenly this has popped up on my credit report!! I spoke with the company and they refused to fix this error when I in fact gave they auto pay to deduct from the new account and today on XX/XX/2023 I called to question why they hadnt deducted the money from my account they said they made an error and can not fix this from reporting to my account!! I called and made the of {$25.00} from the same account there were suppose to deduct from in XXXX and they refuse to correct this as paid on time on my account!! This is hurting my character with lenders and affecting me being able to purchase a home and I feel this was unfair practices. Under the fair reporting credit act 15 u.s.c 1681g and 15 usc is 1681 ( a ) ( 4 ) this is a defamation to my character
Consumer complaint received 2023-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

Someone stole my ID and other items from my purse. Then they were allowed to withdraw {$1800.00}. On XXXX and {$2000.00}. On XXXX. I called the bank and met with bank Mgr. And filled out an affidavit. I also reported and filed areport with XXXX police. I was finally told my claim was denied, because I failed to protect my ID and account number
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc. (FL)

I applied for a auto loan with carmax on XXXX  they ran my credit with multiple hard inquiries and denied me after the advertise said everyone can get approved I spoke to the financial department and they told me I had to give XXXX down payment in order to loan a vehicle or the other option would be to get someone to co-sign for me, they discriminated me because of the false reports on my credit and lied about their advertising.
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WVH, LLC (UT)

On XX/XX/XXXX, My apartment complex XXXX XXXX XXXX approved my 60 day notice to vacate. We found someone else to start a lease with the complex at the end of the 60 days. We got an email on XX/XX/XXXX letting us know of all the expenses for moving out ( photo included of email ). This included our rent for the last month, carpet clean, and con service bill. Also, an optional cleaning ( which we payed for as well ) The total for everything came to {$2000.00}. That amount was payed in full and I have a payment confirmation ( photo included ). I went to the office and they said we will also get our deposit back. I got a final move out statement that says we still owe {$430.00}. One of the charges was a wifi router we accidentally took with us when we moved, which was given back. Another was a key fob we had already returned. They agreed to take both expenses off once bringing the wifi router back. Those expenses were {$180.00} of the {$430.00}. After the {$180.00} was taken off it should have been {$250.00} left. Yet somehow they are saying we still owe XXXX. Also, looking at the statement they sent of what we still owe, it has the carpet clean and conservice bills that we already payed, included in what they say we still owe. I also tried to ask about where the deposit was over text and was ignored. I then got a single text saying they believe they may have charged us twice for our final trash/water/sewer bill and that they would look into it. I never got a message back again. Also, after paying the {$2000.00}, I logged into my account and it had over {$200.00} from that payment that was supposed to go towards any last expenses. I can no longer get access to that account ( I think it was deactivated after we moved? ) and I dont know where that money is now. I then got mail from the dept collector saying I owe XXXX XXXX XXXXXXXX {$340.00}. I called XXXX XXXX XXXXXXXX 5 times since then. The first time, I talked to someone and they said from their end I didnt owe anything else. I told them I got the letter from the dept collector and they asked who I worked with at the complex prior while moving out. I told them which person and they said they would have her call me back within XXXX hours. I didnt hear anything for a week so I called again. They said the same thing. Still didnt call. I then got another notice from the dept collector and tried to call again. This time they said they would send a message and say it was urgent so someone would get ahold of me. Again, no one did. I have now gotten my final notice from the dept collector. I called XXXX XXXX  XXXX one more time and explained the issue i was having to the person on the phone. I was rudely disregarded and told they would call me soon. My credit is now at risk because of XXXX XXXX XXXX blatant disregard for my concern.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (RI)

XXXXXXXX XXXX owes me {$98.00} in a refund from when my account with them was paid off XXXX XXXX XXXX {$98.00} was due to me and sent to me but the check was returned. Twice. I have called. XXXX has called since late XXXX. It is now mid XXXX. I submitted a written dispute and in XXXX days they concluded the check was cashed. Every time I try i get a new person who begins with no knowledge of my problem and they only look at a screen which tells yh the incorrect information that the check was cashed. I have addressed additional letters with proof that the check was returned twice to Head of Dispute Dept. They do not have a phone line that i am able to use. Hrlp m e get my {$98.00}. I am XXXX on low. Income and have no money. They have billions
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (MN)

First call was from a different number back in XXXX, unsure of date and time. Second call was XX/XX/XXXX at XXXX. Told them to quit calling me as I do not owe this debt. They called again XX/XX/XXXX at XXXX. Left message. Blocked and reported number. Called again today, XX/XX/XXXX at XXXX. Left voice message. Called again and told them to take me off their call list.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (TX)

violation of 15 U.S. Code 1605 ( a ) ( 5 ) on the date of XXXX XXXX XXXX  violation of 15 U.S. Code 1662 ( 2 ) on the date of XX/XX/2023 violation of Texas Title 4 Subtitle A Chapter 302 ( b ) on the date of XX/XX/2023 i sent a affidavit, and a cease and desist letter via certified mail.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX16cfr 313 433.2 Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (IN)

On XX/XX/XXXX I received a letter from Stenger and Stenger PC ordering me to appear in court regarding a judgement obtained against me on XX/XX/XXXX. I was never informed of any court date or judgement and had never heard of Stenger and Stenger. 

I checked XXXX and saw three cases filed against me by the attorney. 

The first case was filed on XX/XX/XXXX in a county I had not lived in since XXXX. Apparently I was served here and the process served signed and swore : On Thursday, XX/XX/XXXX at XXXX, | attempted service on XXXX XXXX XXXX the service address. | spoke with XXXX who stated her daughter purchased the residence from XXXX XXXX two years ago. XXXX stated they continue to get mail for XXXX XXXX. 

Stenger and Stenger had this case dismissed by the court only to refile on XX/XX/XXXX using the same address and this time making the process server swear that the documents were delivered to me while knowingly using the wrong address. On XX/XX/XXXX a default judgement was apparently entered against me. Stenger and Stenger then filed a third case against me but in the county that I currently live and to the correct address. I never received these documents and again another default judgement was entered on XX/XX/XXXX. 

XX/XX/XXXX I began working with a debt consolidation company to pay off my debt and improve my credit. During this process those attorneys would have reached out to each of my creditors to negotiate a settlement amount. I believe this is what led to the sudden urge for Stenger and Stenger to file for a garnishment two years after obtaining two judgements without ever contacting me. This can not be a legal way to pursue or collect a debt.
Consumer complaint received 2022-11-17
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX Balance : {$85.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX  XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank is holding my money hostage. I overpaid the balance in full by {$1300.00} in XX/XX/2023. My husband and I had our XXXX XXXX  XXXX XXXX credit card for over 20 years before they sold my account to Comenity Bank. One account.two cardsone for my husband XXXX and one for me. One balance. One monthly payment due. Paid it faithfully. My husband passes away and I contact Comenity to let them know that I overpaid and that my husband passed away. They advise me to send a death certificate and a power of attorney. Which I once did with XXXX  XXXX XXXX and then sent these documents again to Comenity Bank on XX/XX/2023. When I called at the end of XXXX, customer service was not only rude to me but refused to talk to me because I was not my deceased husband. Comenity Bank has my money and I want it back!
Consumer complaint received 2023-03-10
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. (LA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX  XXXX # XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-10
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} XX/XX/XXXX
Consumer complaint received 2023-03-08
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-12-27
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  account 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 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 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo received my direct deposit of {$460.00} and this morning they removed it. This is a XXXX problem again. Their answer is sorry for the inconvenience were working on it. They act like they dont know what happened. Meanwhile my account is negative because the money was there for at least 24 hours.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (FL)

Reference Case # XXXX ; Loan # XXXX XXXX XXXX avoided responding to our main complaint. Our previous complaint accused XXXX as the root cause for the XXXX late payments. We accepted XXXX 's offer to miss XXXX monthly mortgage payments ( appreciating our Hurricane Ian suffrage ). XXXX kept secret their intent to report our XXXX approved late payments to the Consumer Reporting Agencies ( CRAs ). We were not informed of this credit reporting risk as being part of their deferment request process. We followed their procedures and we were told to continually wait for their review process to conclude. 

XXXX stated in their response that we had not paid XXXX and XX/XX/2023 payments. That is not true. I'm providing proof that XXXX was not truthful ( see XXXX XXXX payment statements ). 

I spoke with XXXX XXXX and he understood that XXXX did not inform us that they would report us to the CRAs despite being active in their deferment process. I told XXXX that were we to have been informed, we would not have accepted their offer. XXXX agreed that this case deserved a second look by management. He apologized. I was made to believe that they would grant us our relief ( simply reverse the CRA report ).
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and REMOVE them immediately in my report : 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 2024-02-08
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: EQUIFAX, INC. (FL)

I am filling a complaint against XXXX XXXX XXXX regarding a payment issue that I encountered on XX/XX/. I believe that the company has not handled the situation appropriately, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter.On the aforementioned date, I made a payment to XXXX, and unfortunately, it was rejected by my bank, XXXX XXXX, due to an error. I have attached the rejection letter from XXXX XXXX for your reference. The letter clearly outlines the error that occurred, leading to the rejection of the payment. I immediately contacted XXXX to explain the situation and seek assistance in resolving the matter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX