davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Yamaha Motor Finance Corporation USA (FL)

As Yamaha Motor Finance mentioned in In CFPB Complaint ID XXXX CFPB Complaint ID XXXX. 

Yamaha Motor Finance stated the account is 599 days past due with a balance of {$13000.00}. 

This is in fact a violation of 12 CFR 1026.13 ( 2 ) - Billing error resolution. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 

As it evident, Yamaha Motor Finance is currently furnishing such amount of {$13000.00} past due is a violation of Federal Law. 

Reporting delinquencys, collections/charge offs is NOT a requirement as Yamaha Motor Finance consistently mentioning is required to report accurate and complete intormation to the credit bureaus under what lawful authority is stated to furnish charge off and collections? Because I just pursuant Yamaha to the law where it clearly says you should not furnish such. 

The only way I see to resolve this issue is to take Yamaha Motor Finance to Federal Court. 

I refuse to go back and forth and these agents ignorant of the law, and violating my rights, and insulting my intelligence is going to cause the CEO and CFO to be prosecuted all because of their agents is ignorant of the law and consistently fails to comply.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Keeping payments on this account consistently prompt has been my practice, avoiding any instances of overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be enacted.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

On XX/XX/2020 I applied for a refinance of my home mortgage loan with Freedom Mortgage. They currently hold my loan so I am not a new customer and they contacted me offering a lower rate and to pay many of the related closing costs. 
Since that time, I have submitted every piece of documentation they have requested NUMEROUS TIMES. Often, I do not hear from anyone for extended periods of time. 

Each time I complete the submission, I am later told they do not have the information. 
Much of this is PERSONAL FINANCIAL INFORMATION that NO ONE in the company seems to be able to locate!!! On more than one occasion I have submitted files to and from secure sites and been acknowledged of their receipt by Freedom Mortgage - only to later be told they do not have the information. I have even been told they need something that they have never actually requested! Or, asked for statements that were not available at the time I submitted those they requested. 

My complaint here is to address their clear mishandling of such information as well as their complete lack of customer service. My so-called advocate is a very rude man. 
My loan officer and managers have been completely unresponsive to calls and emails. 
There is seemingly NO WAY to reach anyone in the review department or anyone higher than the advocate to find out the status of the application. My so-called advocate XXXX XXXX, has denied receipt of secure emails sent to him by my financial broker. He has had secure emails in his inbox that he simply did not want to take the time to open and upload. So where are they? 

I have not been able to access my customer portal for weeks to even be able to review my rate and closing costs. Repeated requests for this information were ignored. 

I apparently can not attach recent emails to and from the company but am happy to provide CFPB more details if necessary. 
There are literally HUNDREDS of customer reviews online that say the exact same thing about being unable to close on a re-fi for months, reports of completely unresponsive company representatives and repeated requests for documentation already provided. 

My damage? I have wasted THREE MONTHS trying to move this application to closing. Mortgage rates have now INCREASED SIGNIFICANTLY so I am not going to benefit nearly as much by refinancing. 

This company should be investigated for their mishandling of consumer applications as well as mishandling of sensitive personal and financial documents. NO ONE should go through this only to end up NOwhere. There is no indication of ever getting to closing with this company. My loan was originally scheduled to close on XX/XX/XXXX. 
They are now requesting even MORE documents as if completely starting over. 
I realize things are time-sensitive but the only reason - the ONLY REASON - this is an issue is their lack of professionalism and internal communication to be able to effectively process a loan application.
Consumer complaint received 2021-06-14
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: CBC Companies, Inc. (NC)

I was at work doing trainings and I XXXX XXXX I received a notification From XXXX, I did not apply for a Credit Card.
Consumer complaint received 2021-06-14
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: FactorTrust, Inc. (NC)

I was at work doing trainings and I XXXX XXXX I received a notification From XXXX, I did not apply for a Credit Card.
Consumer complaint received 2021-06-14
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. (MS)

XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to XXXX, XXXX and Experian, this alleged debt has been verified. How did they verify the debt if the company has provided that information.
Consumer complaint received 2021-03-10
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. (PA)

I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX, XXXX  CARD, XXXX/XXXX, XXXX XXXX XXXX as XXXX on my Identity Theft Report attached.. Please remove all from my credit report
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OR)

I received a letter in the mail on XXXX that a " Synchrony XXXX '' card was applied for but was denied. I looked on my XXXX XXXX account and found a hard inquiry had been made by Synchrony bank on XXXX. On XXXX, I called Synchrony and they verified that an internet application had been made for their music card in my name. I have been given a file # for the case and they will remove the inquiry from my credit report. The file # with them is XXXX, they can be reached at XXXX
Consumer complaint received 2019-06-20
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. (NV)

the account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2022-02-16
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. (MI)

Transunion is reporting and scoring me for seven hard hits for purchasing one vehicle. When calling trans union they agreed that it did not matter how many hard hits there were, if all the hard hits were for purchasing a vehicle, and I purchased a vehicle, these hits would count as only one hit. Unfortunately, although XXXX is showing one hard hit for the purchase of my truck, tans union nis showing and scoring me XXXX points for seven hard hits, for purchasing one vehicle. 

Last, XXXX is reporting a derogatory account from XXXX that I disputed ( never opened ), and that trans union removed. Upon calling XXXX today ( I have XXXX now for service ), they informed me that they could not find the 2018 account.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX {$400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland credit management has filed a lawsuit against me and I have no knowledge of who they are. I have never signed a document owing them anything. They have also never reached out to try to settle this supposed debit. I tried paying a settlement amount when I got the court paperwork and they wouldnt take anything less than full amount. I dont owe them anything.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2022 I received a call from a Chase listed telephone number, ( XXXX ) XXXX. The caller explained that my card was compromised and had been used in two transactions. The caller had NPPI information such as name, address, account number. The caller was in fact a scammer that used the NPPI to send a code that I received ( from XXXX ) that was then used to activate a Apply Account on an XXXX XXXX I do not have XXXX phones. The scammers took their XXXX XXXX XXXX to purchase items from stores in the XXXX shops in amounts over {$400.00} and {$7000.00}. I was not notified of these attempted charges by Chase. My card is set to inform me of charges in amounts over {$400.00} as a fraud protection feature promoted by Chase. I only found out about these item when I contacted Chase Fraud department on XX/XX/2022 to inquire why my new replacement card was not delivered as the scammers had promised. 

My questions are : 1. How did my NPPI get compromised by Chase? In addition, according to a Chase representative, they do not notify customers of fraud attempts if they decline the purchase. 2. What value is it to me if Chase does not notify me that {$8000.00} of charges were attempted on my account? The scammers still had possession of my information and this was only discovered upon my inquiry, not by any actions by Chase. 3. How can Chase promote " Fraud Protection '' on their cards with such a broad loophole of if Chase declines a fraudulent purchase, Chase does not have to notify the card holder of the attempted fraud, only if the fraud is completed? 4. Has the scammer been found, or is Chase even pursuing the scammer as the charge was declined? 5. What is Chase doing to protect my accounts from the scammer using my NPPI again? 

XXXX XXXX Chase Credit Card account ending in XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have continuously asked XXXX to remove the erroneous information regarding a phone number that is used to contact me which is not my number nor have I ever had this number that they keep listening on my credit report for the personal statement the phone number they keep putting on my credit report is ( XXXX ) this is not my phone number nor has it ever been and somebody has been hacking and tampering in and I am a victim of identity theft they have put this phone number across all three credit reports I reported it to XXXX they still refuse to remove it even after I made a statement they took it off XX/XX/XXXX I got an alert from one of my other credit monitors stating that was removed and I never requested it it has no expiration date my personal statement and I have proof I would like to submit copies of what they're posting my phone number is XXXX and has been for years and it's the same number that's in my profile experience is assisting these people in targeting me they have a leak in their system
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (FL)

These inquiries show as deleted on the Equifax letter and still remains on my credit report. I was told by Equifax it was removed but nothing has changed. I have documents from Equifax that shows deleted but they are still on my credit report. Here are the inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove from my credit report.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (AL)

I have sent one complaint about this company and it was not resolved to my satisfaction. I will pay the debt but due to the fact I have never received any notice of the debt or any reciept in the mail for my first payment. I am sending my next payment in a few days and wonder if I will get a reciept in the mail as well. I believe that the company should remove the collection info from my XXXX credit report immediately.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have disputed information with XXXXXXXX XXXX. They closed account and showed XXXX balance and placed foreclosure on report which is not correct. When I disputed account they then reopened account showing a balance and deed in lieu and 6 miss payments. They did this in order to hurt credit.

There is no deed in lieu. I don't have 6 miss payments and. The account should show XXXX balance owed All information reported is inaccurate and must be deleted. 
And I do have email confirmation on my dispute with XXXX XXXX.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX   account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Other — 
Company: Capital Management Services, LP (TN)

I previously filed a claim in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and illegal debt owed. Now I have a proposition to file with same company, Capital Management Services , LP of same claim of debt not owed. I have sent numerous letters as return to sender, phone calls. i contacted XXXX XXXX XXXX, ( XXXX ) XXXX debt paid in full. per transcript. I wish to seek help in getting this resolved and seek restitution for illegal payments to both companies and threating phone calls/letters. Please help!
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KY)

XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX KY XXXX Lexis Nexis is violating consumer Federal protected rights and Federal Case Law by providing a third parties XXXX, XXXX, and XXXX without 15 USC permissible purposes for this Child Support Nebraska account. Do no have my written authorization, old account open on XX/XX/2001, and no current court order on file. Delete immediately from consumer report. I also spoke with the district court and they stated the do not report to any consumer reporting agencies. CFPB please make them comply with the FCRA. Lexis Nexis continued to blaluant violated consumer three times by providing inaccurate information to third parties XXXX, XXXX and XXXX. They have caused emotional stress to consumer livelihood and well-being.
Consumer complaint received 2021-06-14
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. (MS)

XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to Transunion, XXXX and XXXX, this alleged debt has been verified. How did they verify the debt if the company has provided that information.
Consumer complaint received 2019-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I received a statement from a lawyer threatening to sue me if i did not pay the {$100.00} I owed them. ( Which in my opinion I don't think I should of paid in the first place. Please see the previous disputes against this company. ) After receiving this letter, I mailed them a {$90.00} money order and {$10.00} in cash to pay out the account so I wouldn't have to deal with them ever again. It's been about 2 months since I mailed this and I have yet to receive a receipt of the payment or a signed, and paid stamped Promissory note. I paid this company off even when I thought I shouldn't have. So it would be nice to get a receipt and paid stamped promissory note so I can keep it for my records if anything was to ever happen in the near future lawyer wise. It's only fair to get a receipt when you have paid out an entire loan, and this company is so backwards I have yet to receive it. I have filed complaints online with the company and they NEVER respond to me. I am just not sure what else I can do at this point besides reach out to you and the XXXX  about this issue. So I would like to have the receipt emailed to my address ASAP.
Consumer complaint received 2022-07-06
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (CA)

I paid my automatic XXXX  payment with my Chime debit card. The funds went through in chime and XXXX. The transaction disappeared. I called to make sure it still went through because it disappeared from my chime statement, they denied it. Then I paid my other bills then the payment went through when I didn't have enough funds. I believe someone is intentionally ruining my credit on chime 's end.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

I had set up a checking account with Suntrust back when my mortgage was through Suntrust. After refinancing with a different bank, I withdrew the remaining funds in my Suntrust checking account back to my main account with XXXX XXXX. Unbeknownst to me, Suntrust was using a third party payment processor that tacked on a {$3.00} fee to my withdrawal, thus bringing me to - {$3.00}. Suntrust did nothing to announce this fee. Moreover, it is beyond me why they need a third party vendor when they are a bank. I couldn't put more money back in to my account without hitting the minimum transfer of {$10.00}. And if I wanted to close the account, which I absolutely do at this point, I would again have to eat a {$3.00} fee from this hidden vendor. I called their representative, they said they would have to wait for the overdraft fee to process in order to waive anything. So I waited and called today. I've been given the runaround by their representatives for almost an hour. I'm now up to a {$42.00} fee to access my money. This is absurd and predatory.