davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (SC)

Re : AutoPay Changing Terms at End of Loan I received an advertisement on the XXXX XXXX application that I could reduce my auto loan interest rate and monthly payment via a refinance. 

My credit score is XXXX - XXXX. My current interest rate is 8 % with a XXXX XXXX monthly payment. The AUTOPAY advertised a 5.1 % rate and {$330.00} per month. I completed the application online with Salary, Insurance, Registration and VIN #. 

The agent texted me several times asking for the same information and called for the loan payoff from my current provider. 

He then texted me that the rate would remain at 8 % and the monthly payment would be {$390.00} ( for a longer period ). 

When I texted back requesting why, AUTOPAY cancelled my application. What makes me most upset besides the 2-3 weeks of wasted effort is the hard inquiry on my credit report which impacts my score and I have no refi. 

I researched on the XXXX  compliant site and there is a multitude of similar instances with AUTOPAY via the XXXX XXXX application. 

This really needs to be investigated as a UDAAP violation
Consumer complaint received 2022-06-15
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: BARCLAYS BANK DELAWARE (CA)

Our son stole our credit card and charged a bunch of unauthorized charges on it. XXXX, XXXX, XXXX and XXXX, XXXX station charges from XX/XX/XXXX and XXXX are all not authorized.
Consumer complaint received 2019-09-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Global Asset Management Group, Inc. (TX)

GLOBAL ASSET MANAGEMENT HAS BEEN CALLING SAYING I OWE A PAYDAY LOAN COMPANY OVER {$3000.00}! .. THEY MAKE UP FAME ACCOUNT NUMBERS AND HAVE YOUR SOCIAL. I CALLED THE PAYDAY COMPANY THEY SAID I HAD AN OLD BALANCE OF OVER 7 YEARS AGO OF {$250.00}. I TOLD THEM I HAD PAID UP THIS DEBT ABOUT 2 YEARS AGO WHEN THEY CALLED ME BUT THEY DONT HAVE RECORD OF IT SO NOW THIS COMPANY IS CALLING ME BUT XXXX XXXX DOESN'T HAVE THEM AS THE COLLECTION AGENCY AND SAID FOR THEM TO PROVIDE ME MY ACCT NUMBER AND THEY GAVE ME A TOTAL DIFFERENT ACCOUNT AND STATED THEY WOULD START GARNISHING MY WAGES AND CHARGING MY CREDIT CARD WITH THE FEES I OWE THEM. I DON'T HAVE A JOB .. SO DON'T KNOW HOW THEY WILL DO THAT. THIS COMPANY IS SCAMMING PEOPLE THE NUMBER IS FROM MN - XXXX XXXX XXXX ( XXXX ) XXXX. BEWARE!!!!
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

Comenity bank and Sony both have XXXX  broken the terms of our credit card agreement and have failed to give the advertised points for purchases made. They also advertise features that have never worked and fail to address the issues I have filed multiple complaints about. I hold physical emails from a comenity employee who confirm that the rewards system does not work properly and that I have not been given the points as advertised, which constitutes broken terms of our credit agreement and makes the debt forfeit by law.
Consumer complaint received 2023-03-28
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-04-03
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)

Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. Pursuant 15 usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair, accurate and equitable. This is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when your company performed the initial investigation to inform me this information would be reported. Pursuant to 15 usc 1681 ( a ) ( 1 ) - 15 U.S. Code 1681a ( e ) 15 U.S. Code 1681a ( 2 ) ( iii ) The consumer reporting agencies failed to follow lawful investigative procedures. This grave mishap is preventing me from receiving credit worthiness which is ultimately harmful and abusive. No personal interviews were conductive by the persons which congress has outlined. The consumer was also not given the ability to address this information prior to being furnished which congress has also outlined.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Accounts opened fraudulently need them removed 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 2023-04-03
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-18
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. 

As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.
Consumer complaint received 2019-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (CT)

Prior complaints were made against Avant Credit and directly against the issuing bank, XXXX, pertaining to terms of a loan which were not disclosed at time of application/approval. Avant claims they were disclosed when in fact they were not. The high interest rate was not disclosed at the time of loan approval and payments ceased on the loan after attempts at lowering interest rate were unsuccessful. Avant has not provided any proof I agreed to the terms of the loan and does not have my signature on any documents agreeing to such terms. Avant refers to screen shots in prior replies to complaints, none of which they have shown.. The attempts mentioned prior include speaking with a XXXX XXXX directly at Avant as well as XXXX XXXX at XXXX whom I was not able to reach, calls from my number were not accepted and had to call from a different number. Once I was able to reach a rep at Web-bank, I was told Mr XXXX does not accept calls. Mr XXXX defended the high interest rate and would not agree to lower it or offer any other kind of remedy, he was advised payments will cease on the loan which they have. The last payment made was sometime in 2015, Avant is still reporting my account on my credit report, adding on interest and fees as a way to harass and also harm my credit score. Avant is aware of my dispute and will not resolve it, expects me to pay the high balance and interest which is at or around, {$16000.00}. The original balance is {$6800.00}, Avant is clearly adding on interest and fees as well as reporting the account to credit bureau ( s ) in an attempt to get me to pay which will not happen unless they agree to resolve my dispute over high interest rate. Their last reply closes with requesting me to call customer service to make payment arrangements which again, will not happen unless they agree to waive interest/fees, lower interest rate. In closing, please advise Avant they can continue to add on fees and interest but again, they will not see any further payments unless they agree to resolve my dispute. I am currently speaking with an attorney to see if what Avant is doing in regard to credit reporting is legal or not, it appears Avant is still reporting my account well after the contract end date..
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I was charged {$10.00} for moving money back and forth from checking to savings on my phone, I was told by the bank if I withdraw more than 4 time at an atm a month I would receive the penalty, I specifically asked what if I use my phone, I was told that was ok, after receiving the penalty I contacted the bank and was told it didn't matter that I used my phone and there was nothing they could do.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I have attempted multiple times to online freeze my credit with Experian. 
The online response is that they are unable to place the freeze, and to send a bunch of information through the mail to them. That is insane, like i am going to use the us mail to send a social security #, dob, and other vital information!!? 


This was all necessary due to the data breach at another credit reporting bureau -  XXXX.
Consumer complaint received 2019-04-29
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. (TX)

Transunion is reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 20 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. Any other address listed amongst the major XXXX bureaus Transunion, XXXX XXXX XXXX and the secondary bureaus XXXX XXXX XXXX XXXX XXXX is inaccurate and needs to be deleted immediately.
Consumer complaint received 2020-12-17
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. (NY)

Dear CFPB, I desperately need your help. I'm being neglected by XXXX, Transunion, and XXXX. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC (CA)

My mother keeps getting calls on her cell for me saying I owe this debt that I have never heard of the original company or the collection company. The caller says they are going to come seize all my property and my checking account if I do not pay them. Once again I never signed anything for this debt.
Consumer complaint received 2019-04-29
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: Experian Information Solutions Inc. (NV)

I sent Experian, XXXX, and XXXX all three letters stating that my payments in XXXX of XX/XX/2019 to XXXX XXXX XXXX XXXX were paid XX/XX/2019 and, were not late as, the payment was not even due to tell XX/XX/XXXX on my credit card, and XX/XX/2019 on my personal loan. I actually paid more than the payment required of me. I have enclosed my Bank statement the shows I paid on all of my accounts, the day I put money into my account payments went to each. I asked all three credit companies to please correct this issue as, I was not late, on my account in XX/XX/2019.
Consumer complaint received 2023-04-03
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

CHILD SUPP Account # : XXXX, XXXX XXXX Account # : XXXX, CHILD SPRT Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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 1681 section c. ( 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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX on XX/XX/23 to remove this inaccurate address and they said they can. I also sent in a letter with my identification verifying my current and only address.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (TX)

XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (RI)

I have been in an approved forbearance for the last 18 months. 
I have a letter from First Home Mortgage Company dated XX/XX/XXXX that my requested deferral was approved and that my account would be updated as of XX/XX/XXXX. 
The account and website still have not been updated. 
I paid XX/XX/XXXX 's mortgage payment. 
Today I received a certified letter informing me that I am in default on my mortgage and subject to foreclosure. 
When I call the number provided XXXX XXXX I am told by XXXX that there is no one available who can talk or help me with my problem because it is with the underwriters. They claim they are sending an email to them. And they expect me to just wait
Consumer complaint received 2023-04-04
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. ()

XXXX XXXX XXXX  XXXX  ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXXACTIONS TAKEN BY COMPANY CHARGE OFF/ COLLECTION
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

We have requested to see the original note after numerous applications for a loan modification that is continually denied due to '' best available terms. ". No explanation is ever provided why they are best terms. The interest is higher than the current interest rate for more than 4 years,. We were refused access to seeing the note because they stated it is " an undue burden ''. Their attorney XXXX XXXX XXXX also ignored our numerous email requests and request by certified letters to PHH. XXXX XXXX XXXXXXXX has now scheduled a foreclosure for XX/XX/XXXX with notice given on XX/XX/2019. This is a violation of notification.
Consumer complaint received 2019-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

we applied for a loan through first home mortgage. it was a 203k loan. the initial amount was for XXXX after we closed our loan first home sold the loan to home point financial. we informed home point that we would not require the entire {$190000.00} as we were not giving zoning for the extension/ improvement. we borrowed a total of {$61000.00} dollars from them. we informed them of this and they told us that we have to use the entire {$190000.00}. we repeatedly told them that we were done and all that was needed was the {$61000.00}. they said that they didn't care and we have to use the full amount, and continued to charge us for the {$190000.00} sum. they also told us that we have to use the same contractor for all work even after we informed them that this contractor was no longer in business for personal reasons. we have paid large amounts of money in interest payments and nobody at the bank will speak to us. they just keep hanging up