davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FORD MOTOR CREDIT CO. (VA)

I went to trade in my car in XX/XX/2020 and instead the sales person XXXX XXXX, Manager XXXX XXXX and XXXXne other associate were involved in a high pressure sales which led me to believe I could have my damaged vehicle be taken by my insurance carrier which was not the case. Instead I am now struggling to make two car payments on a very limited income. I need assistance as I have already tried to get assistance through the dealership at XXXX XXXX in XXXX Va with no further assistance
Consumer complaint received 2019-06-03
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. (AZ)

My XXXX  XXXX Visa credit card account # XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, Experian and XXXX credit report.
Consumer complaint received 2024-03-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Dovenmuehle Mortgage, Inc. (CA)

Continuation of complaint XXXX wherein we complained that XXXX and Dovenmuehle failed to auto withdraw interest payments, failed to provide monthly statements and mis-appropriated our principal payments in a bizarre months long scheme of repaying themselves, padding our loan principal and mailing us maddening dunning notices that we somehow breached THEIR terms of service. 

Attached letter dated XX/XX/XXXX, does concede they did not auto-withdraw as promised, did not mail monthly statements as promised, did not do their monthly accounting homework as promised, but merely apologizes for their stupidity and inept or criminal misbehavior. 

We do not now and never did agree for them to breach the service terms of this loan. If they forgot to do monthly statements or were too lazy or stupid to figure out how much to auto withdraw, that is not our problem. That is their problem to rectify and NOW. Issue the darn statements, manually, if their computer is too stupid to produce them.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ive repeatedly disputed with transition and XXXX  my late payments reported on credit report from XXXX. I supplied documents proving the late payments were jot late just deferred but neither will change my report.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, Sagestream, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I closed my credit card account with Capital One over 2 years ago. Despite that, they renewed the card and issued a new XXXX. They then proceeded to bill me and charge late fees for the new card. Hours upon hours on hold and unreturned calls from " supervisors '' failed to resolve the problem. These " fake '' renewals seems to have strong similarities with the recent XXXX XXXX scandal.
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NC)

On XX/XX/2022 I sent Hunter Warfield a letter asking them for validation on an account listed on my credit report. Instead of complying with my request, the company insisted on sending me alleged bills of some kind. The bills that they sent me wouldn't even classify as VALIDATION, it would be VERIFICATION if the account was indeed mine I thought as a collection company, they would be informed on what constitutes as VALIDATION but to make sure there aren't any further misunderstandings, I will describe to them exactly what I am looking for when referring to VALIDATION. 
I am requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Attached to this complaint is also a cease and desist letter describing the only method of communication that can be used from this point going forward. Communication about this debt through mediums such as the credit bureaus will constitute as a breach of the cease and desist and proper litigation will follow if the order is ignored.
Consumer complaint received 2021-04-13
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: SYNCHRONY FINANCIAL (NY)

I " had '' a credit score of XXXX NEVER missed a payment. I made a purchase at Old Navy in the amount of {$33.00} ( I have XXXX  XXXX  XXXX  in  bills ). I came home and ON TIME applied the payment. It was applied to GAP, not Old Navy. Synchrony bank with no notification sends my " late '' payment to the credit company 's reducing my score by XXXX points. It impacted me so quickly that I was unable to refinance my car and my house to take advantage of some very low interest rates. I called Synchrony in XX/XX/XXXX to have Synchrony rectify. They sent me two affidavits both firm GAP and Old Navy acknowledging the error and that it has been fixed. All three credit reporting agencies are STILL indicating delinquency. I spoke with Synchrony again today on XX/XX/XXXX. They indicate they are sending another letter to all 3 credit reporting agencies explaining the error and that it should be removed completely from all 3 reports.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (NY)

Please be advised on XX/XX/2021 I sent in a dispute regarding False/ Inaccurate information on my credit report. Per FCRA 609 all information on my credit report should be reporting accurately and it is not. I have tried to contact the company on many different occasions to let them know of their Illegal behavior regarding my credit report which is subsequently damaging my quality of life. I will be seeking litigation regarding this manner because It's been more than 30 days no verification nothing but the False items still remain on my credit report. Also be advised i was apart of the Equifax data breach aswell.
Consumer complaint received 2020-02-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC (FL)

I got a title loan from InstaLoan on my XXXX XXXX. With the loan we purchase insurance that if the vehicle was in a car accident and it was considered a total loss the insurance would pay for the title loan. So on XX/XX/2020 my insurance company considered it a total loss and sent this information over to instant loan and pictures of the vehicle. At that point and still alone said they sent in the claim to their office TMX. It's now been almost two weeks and I have heard nothing and regards to me getting my title back so I can buy another vehicle. And they I have to return my title so I can sign the title to my insurance company so I can get paid. I have called the manager InstaLoan here in town I have tried calling corporate I have tried calling TMX corporate I have tried calling the insurance company that they deal with and I've heard nothing from anyone other than it's being processed. I was told the process takes two days to a week it's almost been two weeks. I don't know who else to call or what else to do but I need my title back. I do XXXX  three times a week and see a doctor for my car accident three times a week and I'm having to pay someone to take me tomorrow my appointments because I'm unable to get a vehicle without this title
Consumer complaint received 2022-11-02
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NE)

I applied for a covid deferment after being on a covid forbearance I am also divorced, I was granted the deferal, however my wife was placed on it as well and I was told she would not be as I had submitted the quit claim deed with the paperwork,
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions (AL)

On XX/XX/2019 I contacted XXXX XXXX XXXX where I had previously received an XXXX XXXX  and purchase eyeglasses. My eyeglasses were stolen and I called the day before to set an appointment. I told the Receptionist that I got slapped by another XXXX XXXX and his fingernail scratch me in the XXXX. She suggested I see a Doctor upstairs instead of going through the doctor on the 1st floor that exam my XXXX  back then. She asked me did I have Insurance and I told her yes with XXXX XXXX XXXX XXXX. When I arrived the following morning they told me that the Doctor did not accept XXXX XXXX XXXX XXXX and I needed to go to their Emergency room. I went and 2 Doctors exam my XXXX  and said everything was fine, the receptionist took 2 insurance cards from me, one Was XXXX and the other was XXXX XXXX XXXX XXXX. I never committed to self-pay for an exam that I normally get free at XXXX XXXX XXXX  where I now have my eyeglasses. XXXX XXXX XXXX committed Fraud by charging me {$770.00} for an XXXX XXXX and placing it on all 3 of my Credit Reports. I contacted the Debt Collector Holloway Credit Solutions for the Dispute process and they still put it on my Credit Report. They both are in Violation of The Fair Credit Reporting Act and are liable up to {$1000.00} each on all reports in State and Federal Court. I am also a XXXX XXXX, a XXXX XXXX XXXX for The State of Alabama. Due to the collection on my Credit it is prohibiting me from borrowing money from my 2 Credit Unions for funding for my XXXX XXXX XXXX  to purchase XXXX. Right now that amount total is XXXX XXXX  they are responsible for me not getting.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-22
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXXXXXX Inquired on XX/XX/2019, KOHLS/CAPONE Inquired on XX/XX/2019,. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

As of XX/XX/2021, Experian, XXXX and XXXX XXXX are reporting inaccurate information on my credit file. The following accounts are being reported inaccurately on each credit bureau. 

XXXX XXXX # XXXX Experian - 2 late payments XXXX  - 0 late payments XXXX XXXX - 1 late payment XXXX # XXXX Experian - 3 late payments XXXX  - 1 late payment XXXX XXXX - late payment XXXX XXXX XXXX XXXX  # XXXX Experian XXXX 5 late payments XXXX - 2 late payments XXXX XXXX XXXX 1 late payment
Consumer complaint received 2022-07-22
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. (MI)

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

15 U.S.C 1681 Sections 602 A. States I have the rights 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
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to Equifax credit bureau 2 months ago and got no response here is my tracking number to prove they received it.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (GA)

I bank with SunTrust since last XX/XX/XXXX and as of XX/XX/XXXX they closed my account for no reason, something about rules and regulations and I contacted a lawyer and was told to go to one of the branches and close the account out on my own and take my money and bank some place else, but they told me I couldn't do that either, so I'm on the verge of being homeless cause I don't have any money, I've done everything and no help. I haven't done anything wrong. Please help me
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XXXX XXXX I was contacted as well as my relatives about an open proceedings case in the county of their address. The proceeding were going to be filed against me for account # XXXX and I had to pay my debt for Ace cash express for the amount of XXXX for a past due pay day loan. If I didnt do this the lawyers of this firm would follow through with the proceedings with Ace cash express and this was also being recorded as an attempted collection and notification of this process, and this was all recorded for their case against me. I was contacted by XXXX XXXX by the company XXXX on behalf to notify me of these legal actions being taken against me on behalf of Ace Cash Express. She stated the date of the loan taken out the and the amount of the original loan of {$500.00}. I attempted to make payments and she requested proof of income to provide. I explained I was unemployed due to the Covid-19 pandemic so they denied this request. To confirm this collection, I attempted to call Ace cash express On XX/XX/2020 directly to clarify this confusion they transferred me to their debt collections and confirmed they had sold it third party via DNP. I called the number back of the XXXX debt collectors whom notified me previously they had acquired the debt as well and settled for {$800.00} via my aquatintences credit. My friend and I and settled this debt together on a recorded line where he asked multiple questions, just as I did, and was told the same things. We requested and on a recorded line via phone number XXXX XXXX XXXX XXXX extension XXXX, a notified letter of proof of close of debt collection and closure of said proceedings as well as be emailed to both parties of confirmation. She confirmed that would be sent out and a email would be sent out following the ending of the call to both parties involved. She also confirmed my email address, she confirmed my address, and confirmed everything on file left with Ace cash express agency. I have not received any notification of closure, or payment in full, I have not been contacted by Ace cash express or the company acting on behalf of them since.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AFNI INC. (MI)

I have called XXXX  to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXX XXXX  via -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX  -XXXX  XXXX XXXX -XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.