davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (CA)

Our mortgage was on autopay and when the final payment was due, it was not deducted from our account. We didnt receive any notice until XX/XX/XXXX and I immediately inquired and was informed that a cashiers check was required for final payment. We send a cashiers check on XX/XX/XXXX and was received by XXXX/LoanCare on XX/XX/XXXX. They have reported the XXXX payment as being late on our credit report and it is next to impossible to talk to anyone about this. We are purchasing another home and this single instance is keeping us from obtaining a mort.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone attempted to open a capital one credit card in my name and it was declined. However, the hard inquiry is on all 3 of my credit reports. I have notified all the bureaus and put a freeze on all my accounts
Consumer complaint received 2020-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

AFNI, INC. 
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

I have contacted Experian several times myself, as well as via XXXX ( paid service ) and MasterCard credit protection service. Experian will no report my XXXX XXXX card that is closed, that is reported by both XXXX  and XXXX  because the account is in good standing when closed in 2013. XXXX XXXX has been contacted and they have contacted Experian as well. Experian also is quite unprofessional and rude when speaking with them and said if I want me card reported I can enroll in their Experian service that I have had prior and the XXXX XXXX card that was closed in good standing was reported that cost me {$39.00} per month. I believe that is illegal, at minimum amoral. I do have a current XXXX XXXX card that is unrelated that is being reported properly so the two are not confused. This is effecting my credit score negativity by 45 points based on comparing all three credit reports and scores in real time via XXXX. This is within the time limit the are required to report accounts in good standing by statute. Please help as my fiancee and I are looking to apply for a mortgage this spring. Thank you!
Consumer complaint received 2023-04-10
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. (SD)

Dear Sir/Madam, I am writing to make a formal complaint about my credit report. As a natural person, I have rights under 15 USC 1681, and I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act. I demand that the accounts listed below be deleted immediately, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : XXXX XXXXXXXX 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 XXXXXXXX These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681, and they have violated my rights several times.

In accordance with the Fair Credit Reporting Act, I demand that the accounts listed above be deleted immediately. Section 602 A of 15 USC 1681 states that I have the right to privacy, while Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, Section 1681c. ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse information other than records of convictions of crimes which antedate the report by more than seven years. Finally, Section 1681s-2 ( A ) ( 1 ) prohibits anyone from furnishing any inaccurate information relating to a consumer to any consumer reporting agency.

I would appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (TX)

In XX/XX/XXXX I purchased the vehicle which was on the lot for {$20000.00}, with an interest rate of 17.96 % and other added charges the total amount of the loan was {$32000.00} with my payment being {$630.00}. Since XX/XX/XXXX after getting sick, placed on XXXX XXXX, I 've struggled with the payments, had a number of extensions, yet I 've still paid a total of {$39000.00}. At this time I 'm still having some financial woes and talked to them several times about refinance, to lower the payment, yet told that was n't possible. I feel at this point, having paid the total amount of the loan, plus an additional {$7000.00} this debt should be written off as paid in full.
When speaking with XXXX XXXX on the XX/XX/XXXX, they 're saying I still owe approx 13,000.00, if asking about a pay off, 10 day pay off at that time was quoted as {$12000.00}. I am really in need of this matter being resolved as stated, PAID IN FULL.
Consumer complaint received 2023-02-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report The 3 credit bureaus must validate this account : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-01-27
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. (NY)

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

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 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 reason.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

My capitol one credit card account was hacked, including online access. 
They made fraudulent charges and changed user information, effectively locking us out of managing the account. 
Capital One will not resolve the issue since they are claiming they can not prove that the account is mine. I have submitted all the required documents ( social security card, ID, mortgage and bank statements, household bills, etc ) but the addresses will not match since the fraudster changed all the addresses. 
They will not offer any other solutions to resolve the problem.
Consumer complaint received 2022-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

The business sent me a letter informing me that I owed them {$700.00}. I sent a certified letter to Portfolio Recovery Associated on XX/XX/2022. I asked for a letter of debt verification. I received a response from the business on XX/XX/2022. According to the letter, I owe {$660.00}. It contained numerous comments that were out of order. They were separated by months. A letter saying that the account was sold for {$700.00} was also sent. However, they issued a letter in an effort to recover {$700.00}. Then, on XX/XX/2022, I wrote them another letter demanding further details. Considering that they did not provide the documentation I asked in my initial letter. The same assertion from the first letter was repeated in a letter I later received from the corporation. Even so, I looked at my credit report. Additionally, it states that they are attempting to recoup {$700.00} on there. Also both of the letters that I received from this company were written the same way. Including the same information and documents.
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (LA)

An old hospital bill of mines from XXXX, which was resolved showed up on my credit report on XX/XX/XXXX as unpaid in the amount of {$980.00}. I disputed it through the credit reporting agency, it was removed and reported again immediately after being removed.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MO)

I am having trouble with applying to Wells Fargot for any accounts. Whenever, I submit my drives license the text box will not recognize the format of my DL ID Number. It is formatted as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each # represents a. single digit number. Can we get this fixed/? I do not live near a branch to take a visit.
Consumer complaint received 2019-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Monterey Financial Services LLC (MA)

So I bought a scooter from a dealership for XXXX and paid XXXX at time of sale. 
that was a down payment and my first payment. this was on the XXXX of XXXX. I received an email that a third party called Monterey Financial has purchased the loan from XXXX XXXX 3 days later. Ok today I called them to get a pay off notice as I wanted to pay the balance within the next two months and I was told that my pay off was XXXX. I almost fell to the ground. I asked if she was joking because that was like over 100 % of what the scooter is even worth. She told me to return the scooter to XXXX XXXX XXXX XXXX in XXXX and my Balance would be XXXX. So basically I would be just giving them XXXX for something I don't have. I tried talking to a supervisor and got no where. I called the dealer from where I bought the scooter and told him that Monterey told me to return the scooter and he told me there are no returns. So now I'm waiting for a call back from the dealership and so far no call. I got severly scammed by everyone listed here.
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I applied for this card at Best Buy on XXXX Friday XX/XX/2023. I was approved in store for {$2500.00} and I purchased a XXXX XXXXXXXX XXXX tv for {$1600.00} I was told my payments would be XXXX a month for 2 years. I didnt receive a card until XXXX and when I did it was in the name of XXXX XXXX XXXX the account paper it came on still said my name. I called and found out that he received my card, made himself an authorized user, got credit increases and made thousands of dollars of purchases during this period that I didnt even have a card. On XX/XX/2023 he made a charge for {$700.00}, after that, on XX/XX/2023 another charge for {$900.00}. Then another on XX/XX/2023 for {$630.00}, and one more on XX/XX/2023 for {$1600.00}! After I called they closed out that card and sent me a new one. I received that card and made my first payment of XXXX $ on the account and the balance looked correct. Next month I try to pay and all of the charges are back on my account. I call and they said the dispute was denied and Im now responsible for all of these charges. The only information they gave me on why it was denied was this : The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. Ive now reopened this case for the third time and am getting no help. So, I have only ever used this card for one purchase on XX/XX/2023 in XXXX Ca XXXX where I live. I didnt receive a card until XXXX, and XXXX transactions were made in different cities in XXXX.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

As of today  XXXX   XXXX ,  XXXX , TranUnion shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of  XXXX   XXXX ,  XXXX .     I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .
Consumer complaint received 2018-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ME)

I received notice that there was a {$700.00} unauthorized charge from my XXXX  to some woman named XXXX XXXX ( though this might be fictitious ) with the user name XXXX. I tried to request the {$700.00} back, even though I knew that would be futile, but I got the message " We're sorry, the transaction could not be completed. Please contact the person you are trying to pay. '' The date of the payment was XX/XX/2018. I am not familiar with the person who was paid ( XXXX XXXX with the user name XXXX ). XXXX 's payment feed showed no other payments, so I am guessing that this a fictitious pseudonym used for the one fraudulent transaction.

Following the Unauthorized Charge Procedure in the user agreement, I contacted XXXX. I received a reply back that XXXX   's investigative team would contact me within 1-2 business days. Instead, I had to wait 8 days. On the 8th day I received an email from the investigative team asking for more information. Shortly thereafter, later that same dame, I received follow up email at XXXX XXXX EST informing me that XXXX  had " received the dispute. '' Within two minutes, at XXXX, I received an email informing me that my dispute had been denied. That was it, an entire two minutes to analyze my case. That is unacceptable.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've feel taken advantage of while several laws are broken under the FCRA by your company this caused me defamation of character making it harder to gain access to better employment housing and overall better credit. 

These are the accounts in question : -XXXX XXXX XXXX XXXX : Account # XXXX -XXXX : Account # XXXX
Consumer complaint received 2024-04-02
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: First Help Financial, LLC (CA)

I noticed unauthorized inquiries on my credit report and noticed someone applied for something in my name resulting in multiple fraudulent credit inquiries. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2023-04-10
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. (PA)

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 name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX # XXXX, Account name : 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 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 2024-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MO)

Repeated phone calls to myself and family members even after being asked not to. Personal Info provided to an ex spouse. 
I have asked in 4-5 different emails for them them to help solve my problem setting up portal. Screenshot proof was sent of the message I get when I try. 
XXXX XXXX and XXXX XXXX have both been rude in their communication and told me they would just tell creditor Im just refusing to pay my account when I am not. 
The first I have heard of this was last Thurs. I have never even received anything in the mail. 
The bully tactics and threats are uncalled for. Especially when Ive asked for help solving the issue.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (LA)

When I acquired this number while living in XXXX, I believe the person who used to have this number was still using it fraudulently. I believe his name is XXXX XXXX. People with middle eastern voices would call and leave voicemails and texts about jobs repeatedly. I ignored most of them, but I am getting annoyed with these debt collectors asking about this XXXX XXXX tied to this number. The last debt collector was Unifin. I called them and told them this is not XXXX and they immediately wrote it off as a wrong number. If I can I will send attachments of the texts and/or emails.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (IN)

This is my third complaint against CMC Funding as they still have not corrected the issue. They keep applying some of my payments to something called suspense instead of to principle. My monthly statements keep showing my next payment due is - {$500.00}. How could I possibly owe a negative amount is they were applying my payments properly?
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

I disputed 3 accounts {$600.00}, {$260.00}, {$3000.00} on XX/XX/2019 asking for proper validation ( a contract with my signature on it ) if not removed but rather they send updates and verifies but never provide me with nothing no paperwork, no method of verification nothing and accounts still on my credit report hurting my score.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NJ)

I was reviewing my credit scores between XXXX XXXX and Experian and they is a difference of 100 pts in my credit score, I review my report and submitted various changes in my Experian report and the score did not increase, I mhave been trying to reach them and with no avail, I hope that this matter can be solved