davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
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: BBVA FINANCIAL CORPORATION (IN)

I feel I was discriminated against, as this company BBVA denied my credit card request based on false information.

1. BBVA ran my credit score it was = XXXX XXXX. BBVA said I had serious delinquency ... wrong, as I have one " old '' late payment 3. BBVA said I had too many inquiries ... wrong, as I have two " hard '' inquiries.

4. BBVA said, my bank card balances are too high ... the report showed 17 % use Note : I have 5 credit card accounts, all have an exceptional payment history 6th account is a car loan, XXXX of the way paid, never missed a payment 5. It looks like this Alabama based credit card company don't want to grant credit to an educated XXXX man. 

Thank you, XXXX XXXX
Consumer complaint received 2020-11-10
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. (NH)

I sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus XXXX, EQUIFAX, XXXX for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-11-10
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: Santander Consumer USA Holdings Inc. (VT)

Hi, I used a COVID 19 relief program with Chrysler capital to defer my payments for a few months. While setting up this program I was told that auto payments would resume at the end of the term. This did not happen. Chrysler Capital did not contact me or send me any statements or letters after my deferral was up. I got a bill after 45 days saying I owe 2 payments XXXX $ I immediately called them and asked why my account was past due. I payed the XXXX $ immediately and set up auto payments. During this call I spoke with a supervisor who assured me this wasnt my fault and it was Chrysler capitals fault. I then noticed a week later that my credit score was affected by this mistake. I called Chrysler cap, explaining the issue and the employee assured me that they would contact the credit department and remove this from my score. Month goes by and no changes. I filed a despite with XXXX XXXX explaining that this was a mistake due to natural disaster. ( There is a note on my credit report confirming this ) transition denied my dispute. From here I called Chrysler cap. transferring from department to department till I got to the central office for disputes. I spoke the the manager here and he agreed that this situation is their fault and said he would launch an investigation. It has been months since I last spoke to him and he wont return my voicemails. I have tried everything to set this situation straight and I feel like this company is being unfair and dishonest. This has affected my credit score and Im very upset with the lack of accountability on their end. Please for the love of god help me resolve this situation.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank aka XXXX XXXX XXXX. Two accounts of the same type, marked " closed '', but were never open and never inquired about. One inquiry was on XX/XX/XXXX and the other inquiry was on XX/XX/XXXX. Then another inquiry from XXXX XXXX which is showing inquiry from XX/XX/XXXX. I have not made any attempt to apply for any of these services at any time. This is impacting my credit as a hard inquiry and I would like them removed. I have not contacted the company as I have looked up the issue online and came straight to this.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

Missed a payment on care credit card, they have emailed, texted, and call at least 3x a day, and leave at least one voice mail a day. This is harassment.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-04-28
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: EQUIFAX, INC. (MO)

Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a XXXX  with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ 5 ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX Mortgage sold my loan to Fifth Third Bank over a month ago and I have received no correspondence from Fifth Third Bank ( email, mail, or phone ) to the property address or my address of record. The property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2022-05-13
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: Experian Information Solutions Inc. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Equifax has frozen my credit and will not unfreeze it despite claims from its representatives that it has -- this has prevented me from obtaining loans and negatively impacted interest rates I receive
Consumer complaint received 2023-07-25
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2019-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc. (GA)

I have never heard of this debt collector never sign any contract with them or have any business with company they did send any signature about this dedt I do not owe this debt to them. date was XX/XX/2019 XXXX so they say and have no proof of the debt.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AL)

Back in 2021 mortgage company was saying they didn't receive my payment from Wells Fargo but since then I had to open up another account thinking it was fraud.. But find out later it was due to Wells Fargo fraudulent charges almost went into foreclosure
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had to travel to a remote area where there I had no access to my mobile phone services for two weeks. An internet connection was available through Ethernet, and I tried to access my account online. I was barred from the account because they required me to verify my account by receiving a security code via text message. I call and they told me that the only way to access my account is to be connected with my mobile phone at all times. In addition, I need to have text capability because that is the only way they have to verify my account. I was besides myself, I think this is a violation on my customer right to access the funds in my account at any time, from anywhere. I am worried because I travel to places and countries where I find myself unable to use my mobile connection, which means I can be barred from accessing my funds in a time of need.
Consumer complaint received 2022-05-13
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-04-28
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. (IL)

My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 )  XXXX XXXX XXXX 4 ) XXXX XXXX XXXX {$390.00} 5 ) XXXX/ XXXX XXXX XXXX Please investigate this and send me the Method of Verification used, or remove the accounts immediately.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX ; XXXX XXXX  XXXX, account # XXXX ; and XXXX XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2020-12-22
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. (NC)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-10-10
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. (CA)

I financed a car thru XXXX XXXX XXXX. When I purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called XXXX XX/XX/XXXX XXXX my finance XXXX XXXX XXXX XXXX XXXX company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything
Consumer complaint received 2023-03-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Braviant Holdings, LLC (MO)

No verification letter has been sent. I have requested for one to be sent several times and they are refusing to send one. I informed them by law a verification letter needed to be sent to me. I was told either I will pay the settlement amount, set up a payment arrangement, or go to court. I stated that I havent received anything in writing from you all so I dont feel safe just paying money when its not validated nor any prior communication. Also, I was hung up on by the Finance manager in the midst of trying to come to settlement arrangement. I was repeatedly cut off and was given demands to pay or that there wasnt anything to discuss. I have not been provided no documentation and they seem to be trying to force me into paying un-verified/validated amounts.
Consumer complaint received 2022-11-18
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. (GA)

XXXX request XXXX received a check and cashed it. Someone tell me where the funds are. When I call XXXX will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress. 

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check. 

Where is my money. 
Why are you reporting charge offs after it was paid. Per experian the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK XXXX  TO REIMBURSE LEGAL FEES.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Uber Technologies Inc. (WA)

I signed up with XXXX, last year in XX/XX/XXXX. I was introduced to begin leasing with their partner, X-change Leasing. In the beginning, the lease program they offered to XXXX drivers was that all credit level can apply because no credit check was required. Only a clean driving record with a decent background were the requirements. I passed all of the requirements and went to their XXXX dealership in XXXX XXXX and got preapproved to lease a XXXX. The terms of the contract were quite simple to understand and the option to surrender the car even if the lease term was n't completed was possible. After driving for Uber in the state of XXXX, I relocated shortly thereafter. I relocated to XXXX state and did notify X-change Leasing that I moved. In XXXX XXXX, I had difficulties trying to get X-change leasing to send the proper paper works for tags and registration of my car. This process took over 2 months and I had to pay weekly the lease amount of the car out of pocket and driving for Uber seemed near to impossible without getting my tags switched to the current state that I now reside. However, the car was finally approved to drive for Uber after getting the tags and registration. Also, I was notified by X-change Leasing that my weekly lease payment will increase to an extra $ 80 monthly. I will provide the break down amounts below when I signed up and the weekly costs. XXXX {$160.00} weekly/ 36 month lease term ; XX/XX/2016 new price increase {$200.00} weekly/ 36 month lease term. I had difficulty driving the Uber to have my earnings cover the new price fluctuation of $ 800 monthly. Therefore, on XX/XX/XXXX, I notified X-change Leasing and Uber that I bought a new car and would like to surrender the XXXX. X-Change Leasing said it was no problem to surrender but I will be responsible for the repossession charges and if there was a balance remaining onto the account. Furthermore, on XX/XX/XXXX, X-Change Leasing sent a repossession company to recover the XXXX and I requested that an invoice of any charges be sent to my address. I had a new vehicle that I purchased and Uber certified it to begin driving. I noticed that my weekly earnings were deducted for X-change Leasing in which I thought was an error therefore, I contacted Uber inquire why was X-change Leasing extracting my all of my Uber earnings? Uber had no knowledge as to why this was happening and told me through email correspondence to call X-Change Leasing. I was told by X-change Leasing that I owed over {$2200.00} and that is why Uber is extracting the monies to pay it off. I demanded an invoice and explanation of charges but they have refused to send anything. I smell a rat and with other fraud allegations by other consumers against this company, I believe fraud is occurring in this matter therefore I am reaching out to various agencies to investigate X-change Leasing.