davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had my federally protected consumer rights violated by TRANSUNION on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. TRANSUNION has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included XXXX notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS : XXXX - {$7900.00} XXXX XXXX XXXX - {$9000.00} XXXX - {$6300.00}
Consumer complaint received 2018-08-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC (OH)

On XX/XX/2018 I inquired about a vehicle from XXXX XXXX, XXXX XXXX. I told the sales person XXXX that my credit union was giving me an 8.49 interest rate " Oh I can do better '' said. The car I wanted at first all the sudden became " unavailable ''. I don't know why, so by the time I left they had given me a XXXX month payment at a really great rate. I returned on the XXXX to pick up the car EVERYTHING HAD CHANGED. I WAS LIED TO AND MISLEAD. I wanted my car registered in XXXX where I primarily reside, I was told they could not sell me a car unless I surrendered my XXXX DL and registered the car at the address I was residing in XXXX and plus it would cost me XXXX more to register in XXXX. I LATER FOUND OUT FROM THE STATE OF XXXX AND XXXX ALL THAT WAS A LIE. Since I have complained to numerous managers there, they are refusing to fix a driving mode change and another button on the console they have just left me hanging, I have only had the care barely a month, I told them about this timely and I purchased an additional warranty. The got my title and registration WRONG AND REFUSE TO CHANGE IT THOUGH THEY CAN SO I HAVE TO CANCEL MY VACATION AND DRIVE TO XXXX AND RESOLVE WHEN THEY CAN DO IT AND REFUSE. I DON'T SEE THEM TREATING ANY OF THE CAUCASIAN CUSTOMERS THEY WAY I HAVE SEEN THEM TREAT MYSELF AND OTHER XXXX AMERICANS. They did not fill out my paperwork for any tags and registration, A XXXX XXXX from Sales department literally chased me down in the community on Sat. XX/XX/18 to have me sign papers for my tags, title registration and I ask then to have it for XXXX he said I had to sign those FIRST for him to resolve anything I did, he was to get back with me on XX/XX/18 he did not. These ppl have lied so much I can't keep up now I am stuck with not being able to get tags because the paperwork has not been done. They charged me XXXX for this service to make sure done timely and right, AND IT WAS NOT, I WANT THAT MONEY BACK CAUSE I GOT PAY DRIVE TO XXXX CAUSE THE CAR HAS TO BE THERE PHYSICALLY TO RESOLVE. I AM XXXX ON XXXX XXXX AND THIS IS A GRAVE HARDSHIP FOR ME. THEY ARE JUST DOING WHAT EVER WITH NO PROCESS AND NO COMPETENCY AND THIS HAS GOT TO BE A PROBLEM NOT REGISTERING MY CAR PROPERLY. IVE BEEN DRIVING FOR OVER A MONTH AND DON'T LEGALLY OWN THE CAR FOR REAL, THEY GOT THE MONEY AND I AM STUCK. I left messages for the owner of XXXX XXXX a XXXX XXXX, General Sales Mgr. XXXX XXXX and Asst Service Manager XXXX XXXX. I have not hear back from anyone as we speak and IM TIRED OF CALLING THESE LIARS!!!!. I SHOULD BE ILLEGAL FOR THEM TO PRACTICE THIS WAY. I DON'T BELIEVE THEY DO THEIR CAUCASIAN CUSTOMERS THIS WAY.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.
Consumer complaint received 2022-07-26
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Reference # 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 account without my written instruction.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion poor displayed that they were charging {$20.00} for credit checking instead of a free credit report. They are not refunding the charge though I canceled within minutes of creating my account.
Consumer complaint received 2022-06-20
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. (SC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX anXXXX XXXX XXXX XXXXXXXX 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 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX at XXXX I placed an online order with XXXX and got its email confirmation from XXXX for the Order ID : XXXX. 
After only a few hours I realized the vehicle for the personal plate is not registered with the State of Texas where I'm a current resident, then I replied to the same email at XXXX on XX/XX/XXXX at XXXX to request the order cancellation and refund USD {$190.00} to my Wells Fargo debit card account asap. On the same date XX/XX/XXXX and the next date I contacted XXXX a few times at their phone number XXXX listed on their website to request an immediate order cancellation and refund, strangely every time I pressed '1 ' for English the system hung up automatically. So I sent a message from their Contact webpage to request an immediate order cancellation and refund. However after a few weeks gone by WITHOUT any response from XXXX regarding to my cancellation request for a full refund, I got an email on XX/XX/XXXX from XXXX that the XXXX XXXX Tax Collector office received the plate and I need all the Texas registered documents of the vehicle to pick up the plate. I also opened a claim with Wells Fargo debit card claim department about the refund from XXXX. On XX/XX/XXXX I replied to the same email that it IS illegal to put the plate on a vehicle which is not registered in Texas and requested them to refund. They replied that the vendor XXXX  IS responsible for cancelling my order in time and refund the full amount to my bank debit card. On XX/XX/XXXX or XXXX Wells Fargo debit card claim department denied the claim stating that I did NOT request the order cancellation in time or waited too long to cancel, which was NOT true per my previous email on XX/XX/XXXX. I tried to contact XXXX on XX/XX/XXXX at their same phone number and was able to talk to XXXX about the issue. She told me her supervisor XXXX will try to issue a refund asap. On XX/XX/XXXX I contacted Wells Fargo debit card again to reopen the claim with the copied email to XXXX on XX/XX/XXXX at XXXX to request the order cancellation and refund USD {$190.00} to my Wells Fargo debit card account asap as hard good evidence in writing that within a few hours of placing the order, I did contact the vendor to cancel the order. 
The customer service XXXX from the vendor XXXX told me on the phone that there is no refund policy in their order confirmation email but that is not true, not even on their website. Their business practice is more like a scam and misleading information.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MO)

Deposit check in the amount of {$1500.00} by XXXX XXXX ( check by XXXX ) to Chase Bank checking account on XXXX and teller and later management told me or will be on hold until XXXX no reason why. 
Thats not huge amount to hold and not even portion released totally unexpected.
Consumer complaint received 2023-04-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (MI)

I leased in XXXX of XXXX this car and expressly asked if Ally Auto would allow a lease transfer. Yesterday, I attempted to initiate a lease transfer and they told me that they no longer allow it as of XXXX of XXXX, as they changed their policy. This has created a hardship for me, as I only entered this lease because I could transfer the vehicle to another party because I expected a car that I had ordered to become available during the lease term.
Consumer complaint received 2022-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XXXX I got scammed out of {$2200.00} from a person who was selling an XXXX gaming console through an app called offer up. 
This person was selling the unit for {$150.00}. I agreed to purchase the unit for {$150.00}. I asked for the pick up address and the address was XXXX hours away. I live in XXXX XXXX and the address was in XXXX XXXX. 
I agreed to pay this person trough My mobile banking using XXXX. ( wells Fargo ) I sent a payment of {$150.00} to this person. 
Immediately I received a message back from this person saying that he accidentally had refunded the {$150.00} back into the account. He sent me an email with a message coming from his XXXX XXXX XXXX stating that the money was being refunded. I made another transaction of {$150.00} through XXXX thinking the money was actually being refunded. After, I received a second text message saying to check my email again because he accidentally had refunded {$1500.00} back to my account instead of {$150.00}. 
After this point I kept getting calls telling me to return the XXXX. 
I got calls telling me that if I did not send the money back they he was going to call the police. 
I felt I had to return the money because my intention was to purchase the XXXX XXXX  for {$150.00}, not to steal his money. This person used different names for this transactions because his account was locked after sending the {$1500.00} by accident. The names provided were XXXX XXXX {$750.00}, XXXX XXXX {$750.00}, XXXX XXXX {$400.00}, and XXXX XXXX. 
I bank with WELLS FARGO. 
I called Wells Fargo so they can stop the Transactions and they told me there's nothing they can do. 
I have called and filed a few reports with Wells Fargo and it seems they are not helping me to recover my lost funds. The only thing they did was to help close my account were the money came out from and I opened a new account. 
I have called XXXX as well and they tell me is Wells Fargo who i have to call and Fargo tells me to check with XXXX. 
Wells fargo reps tell me that there's nothing they can do because they treat it as cash transactions.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There is information reflecting in my credit report that is incorrect that is not my account and it is being reported as a collections I reviews my report with Equifax and there is no account XXXX XXXX owned by XXXX XXXX XXXX please review immediately and remove as it is an incorrect representation of me. 

Thank you,
Consumer complaint received 2020-08-01
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: LEXISNEXIS (TX)

I have filed several disputes with XXXX providing information about inaccurate bankruptcy accounts. All prior disputes I have filed are determined verified. In the completed dispute letter I received from XXXX, I was told to contact the company verifying the information known as LexisNexis which is their vendor. According to LexisNexis the bankruptcy accounts do not exist. I have provided supporting letters from LexisNexis that substantiate my dispute. I was told by an XXXX  representative that they obtain information from a public record source known as Pacer which is a third party vendor that holds court information. According to The Fair Credit Reporting Act, I understand that one must verify information from the original furnisher. I also provided a letter from the bankruptcy court stating they do not report to the credit bureaus such as XXXX, XXXX, and XXXX. I would like a proper investigation that do not violate the FCRA. Im attaching supporting documents from all sources once again. The accounts I want investigated and removed are listed XXXX US BKPT CT TN XXXX XXXX US BKPT CT  TN XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I was trying to refinance my cc. She acted like she didnt understand what I was saying. My Apr is 28 % annually. And they refused and said I couldnt do that. I have a good credit score o and pay my payments on time for years. It didnt make any sense. They also said I couldnt transfer my balance to another citi card.
Consumer complaint received 2018-05-18
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. (WV)

I have disputed identity theft on my credit report multiple times. I have submitted police reports, fraud affidavit, FTC identity theft reports ... all to no avail. I have fraudulent inquiries from creditors which are also lowering my scores. They have told me they didn't " receive '' my documents, my documents weren't sufficient ... basically I've been getting the run around and my credit report isn't fixed. It is hurting me from getting a home and it isn't fair because it's IDENTITY THEFT
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX i want this collection off my credit it does not belong to me i dont owe fair collections any money, i want to see a contract, you cant provide a contract i want this deleted off all 3 credit reports if not i will sue XXXX XXXX and XXXX and fair collections this is a easy win. be smart delete it
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (AR)

There are two accounts on my credit report for the same auto loan. 
The company is CNAC  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX They also performed a hard inquiry on my credit when I defaulted on the loan amount and my car was repossessed. 
Date : Inquiry fromXX/XX/2018 was not aware of this nor did I authorize. Not sure what I can do to resolve these
Consumer complaint received 2022-01-13
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent many dispute letters to XXXX, XXXX, and TransUnion to dispute erroneous accounts that are present with no responses sent back from any of the bureaus. They have violated the Fair Credit Reporting Act and the credit bureaus should remove the disputed accounts. I have attached the latest disputed letters along with the certified mail receipt numbers for the letters. 

XXXX XXXX XXXX TransUnion XXXX XXXX
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (ID)

I set up automatic bi-weekly payments to my mortgage lender, The Money Source. They refuse to apply the partial payment to my account. They state that they do not accept partial payments. I am aware of the huge impact that bi-weekly payments can make to my over-all interest on this account. It is extremely upsetting that they are refusing to apply money to the loan and instead placing it in a suspend account until the second partial payment is sent in. I feel as a consumer this is unfair.