davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC. (TN)

I was approved for two loans for my properties on XX/XX/XXXX. Summit funding is now refusing to close on the loans and from what was said it sounds like they dont want to honor the rate anymore. 

In addition, their electronic signature system does not provide me a copy of my signed documents and while they have promised to provide me copies I still dont have them.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

navy federal credit union keeps reporting the balance on my loans with them as increase in balance or dollar amount through the credit bureaus. the balances should be decreasing but they are not. i dont like this. ive made all my payments on time with them over the phone etc. i think they are scamming me
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2015-06-04
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Auto Trakk, LLC (NC)

I leased a vehicle from Autotrakk in 2013. It was to be a one year lease. I never received a copy of the lease. I was told by the auto dealer that Autotrakk would send it to me. The lease is up and I made arrangements with XXXX, XXXX, XXXX and others in collections to bring the car back to the dealer. However Autotrakk sent someone to repossess the vehicle. The repo company they sent left several threatening notes on my door and breached the peace by opening my door. I notified Autotrakk and they said they would call the company they use. I finally left the vehicle at the dealershi as agreed. Autotrakk sent me a letter saying they were going to auction the car on XXXX XXXX. The whole process with Autotrakk was mostly illegal. They installed a tracking g system without my knowledge and charged me for it. What I would like to see done is for Auttotrakk to not call this a repossession on my credit report because this is what the promised. The police was called because of them breaching the peace and they came to the house. I should be able to get the vehicle back because of this breach. There are to many people at Autotrakk passing the ball. I 'm not asking for the vehicle back I am just asking for them to honour their promise to accept the car back and not list it as a repossession. The agreement was for me to pay {$28000.00} and be settled with them.If the credit department can not do this the only other thing I can do is to sue for damages for the violations. Breaching the peace. Physical and emotional. I have the threatening letters and voicemails Autotrakk left. I did not receive any certified letter regarding how to get my belongings Although XXXX XXXX said she mailed it XXXX XXXX.the person they sent out to get the car name is XXXX. 
Resolution : Autotrakk needs to pay for the violations. They can do this by working with me so I can pay the XXXX and not have it reported as a repossession.because what they did was unlawful. That is what collections promised.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX My Previous Job was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX This was changed without my permission.
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (IL)

On XX/XX/XXXX, I received a letter from U.S. Bank, retail collections division. They implied they are filing a forgiven Debt XXXX form with the IRS for about 25,000 dollars that was discharged in bankruptcy, Case No. XXXX in the XXXX District of Illinois in XXXX. See Exhibit A. They are about to report a debt discharged more than two years ago in bankruptcy ( See Exhibits B, C, and D ) of which they had actual knowledge, to the IRS as money still owed to them, forgiven debt so I am required to pay taxes on it. 

They are hoping I do not know my rights under federal law for the Discharge Injunction which is still in effect since XX/XX/XXXX. They want me to call them and say " Hey, if I agree to a payment plan of XXXX a month, will you not report this on my credit or to the IRS? '' Of course, I anticipate they will defend themselves and say that they are new employees and didn't know about the bankruptcy, but they also " reported '' this " forgiven '' debt to the IRS in XXXX after I was discharged that year. This is a pattern of harassment. See letter from my previous attorney to them declining to provide documentation for their report to the IRS in XXXX of my " forgiven '' debt. 

They were notified of the bankruptcy when it was filed and listed in Schedule F of my Petition, and also notified of the Discharge on XX/XX/XXXX ( See Exhibits B, C, and D ). 

If the CFPB decides not to proceed, I can pay the fee to reopen my bankruptcy case, XXXX and seek formal sanctions in bankruptcy Court for U.S. Bank 's willful and knowing violation of the discharge injunction seeking to collect the debt that was discharged in Case No. XXXX, but I am offering them one last chance to leave me alone before I have to take this step.
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BMO Bank, N.A. (IL)

I received a check from XXXX XXXX XXXXXXXX and deposited on the XXXX of XXXX. 
it is now XX/XX/XXXX and i still havent received my money.
Consumer complaint received 2022-04-15
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. (NY)

I reached out to Experian in XXXX and informed them that I was a victim of Identity theft with XXXX XXXX XXXX XXXX of Maryland. I then sent them my personal Identification proof ( Driver 's License and Utility Bill ) along with this was my affidavit for data breach where my information was stolen. I heard nothing from the company despite the my efforts and when I called they told me that they had nothing on file for me despite me having proof of the certified mailing arriving. I did not give permission nor did I seek any products from these Lenders
Consumer complaint received 2017-09-05
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: EQUIFAX, INC. (OH)

I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yamaha Motor Finance Corporation USA (GA)

I received a call from Yamaha Motor Finance on XX/XX/XXXXand spoke to XXXX. She informed me that my account was 50+ days past due for {$51.00}. I questioned the amount because I always pay more than our monthly payment. She stated that they took my late fees of {$51.00} out of my last installment payment made and now my payment is past due. Is this legal?? I have read my contract thoroughly and can not find such justification. I asked for a supervisor and talked to XXXX. He sounded like a broken recorder so I asked for his XXXX, XXXX XXXX ( not sure if spelled correctly ). I was told that since the mgr is not in the office they can not transfer me to his voicemail?? I was also refused the managers email address. I have since tried to reach this billing XXXX on XXXX, XXXX, and XXXX. I even sent a certified letter on XXXX/XXXX/XXXX to which no one has responded. On XXXX/XXXX/XXXX I paid the {$51.00} PLUS a monthly payment. I received a call today XXXX from them and talked with a supervisor named XXXX because I was told that now my account does n't qualify for the extension ( I 'm only 10 days past due now ) but XXXX offered this to me at 50+ days past due XXXX XXXX said that must be a training issue ). I have been out of work since XXXX and I 'm trying very hard to keep the account out of collections. I would like their payment tactics looked into because it seems unethical and illegal in so many ways.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC (OH)

The new companies name is " Genesis FS Card Services ''. 
When starting to build my credit years ago i had signed up for these 2 credit cards that were owned by a different company. Each only had a {$300.00} limit with no annual fee. I obtained these cards simply to sit on and build up my total credit limit. 

Now several years later a new company has acquired ownership of the Indigo and Milestone cards. I suddenly started getting bills for a {$100.00} annual fee per card that i never signed a contract for. 

I tried to go onto their website to pay the bill/cancel the cards but all of the links on the website are dead. My bank will not connect to this website to allow me to attempt to pay this bill and the 2 phone numbers provided on their website are disconnected. 

I am not sure what to do in this situation, i would have never signed up for a {$300.00} limit card with a {$100.00} annual fee as i have 4 other credit cards with limits over {$3000.00} that have no annual fee. 

Here are the websites i am expected to pay the bill from, but they are non functioning and custom service is non existent. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Robinson & Hoover (OK)

XX/XX/XXXX ' 2024 I was notified by my personal bank of a garnishment placed on my VA Benefits Account at XXXX XXXX. This came as a surprise to me because I haven't received any recent collections attempts and have an excellent score. After researching the debt that this company Robinson Hoover XXXX XXXX located in XXXX was trying to collect I found the account was originally a Medical Bill from more than 10yrs ago. The dead line for legal action in Oklahoma is for this debt is 5yrs. As it turns out this company also placed an illegal lien on my home. They are all Lawyers there, they know they are breaking the law.
Consumer complaint received 2022-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Self Financial Inc. (TX)

I am a victim of identity theft, someone used my information to take out a {$720.00} loan with Self Financial. I did not ask for this loan, I did not apply for this loan. I have XXXX and I was notified by them about a credit change on my credit report. When I looked at my credit I found this loan on my XXXX credit report. XXXX is now trying to take care of this for me through their restoration process. This merchant is hard to get a hold of, no one answers the phone when calls are made. If calls are answered no one can help, can tell me if they received the documents XXXX sent to them on my behalf. I need this to be looked at on a higher level and get this account as fraud and removed from my credit.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Account on credit with XXXX XXXXXXXX XXXX opened XX/XX/XXXX Shows account is open.this account is not open and last reported XX/XX/XXXX. Ive disputed this several times of which I was informed this account is reporting accurately. This is immensely impossible for an open account to not report for 6 years! It is reporting inaccurately.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Consumer complaint received 2022-04-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

I have a XXXX school loan with Sallie Mae. For a student that just came out of school about 2 years ago, and started working in Covid, and as a XXXX XXXX. Sallie Mae charges over 500 monthly payments as just interest payments, which is difficult to pay when you have other bills such as rent, car payments, etc. I have tried to explain to them that XXXX dollars per month are an absurd amount to pay monthly for a loan, if it was a reasonable price such as XXXX dollars I would be able to make payments. Due to not being able to make consistent payments of XXXX dollars monthly, they constantly threaten to put my loan in delinquency which would go on my credit report and further damage my credit for years. They are causing me to go into debt because they do not work with their customers to provide options to stay afloat on payments. Sallie Mae 's representatives are rude and don't make many options to help you finance your loans. One representative was very judgemental, and when going over my monthly payments and rent, told me that I shouldn't be paying that much in rent knowing I had to pay loans back, and because of my annual income. I live in XXXX, rent is expensive regardless of where you are. During Covid, they only gave a 2-4 month delay in payments, but still charged interest. Which is so horrible, especially knowing how difficult it was for people to have a difficult time paying back loans. Sallie Mae is the worst loan company, and I wish I knew this prior to taking out a XXXX loan with them.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. I have attached the 1099c for the account XXXX XXXX  XXXX showing that you are reporting incorrect information. The account was paid and should have been removed per the agreement with the creditor. Not only are your furnishing incorrect information pertaining to this account, but you also failed to remove the account once it was paid. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 1099c form as well as the dispute letter sent to you on XXXX  which is dated and time stamped.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (NJ)

Hi, I referred a friend to the Chime card refer a friend program, through a chime app link of XX/XX/2021, Myself being a Chime card holder .The offer was that, my friend and I would both receive a XXXX dollar bonus for ( friend ) signing up and receiving a XXXX dollar direct deposit into his Chime account..Chime has denied my friend and I the bonus mentioned.I trust that Chime has the fudiciary responsibility to honor the offer / trustee.I tried twice to resolve the problem with Chime to no avail.I feel we were misled by Chime and there false advertising.My hope is to resolve this matter without taking it any further than CFPB.Thank you in advance for your help in resolving this matter. 
.
Consumer complaint received 2022-04-15
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. (TX)

transunion XXXX and XXXX are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my experian results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. transunion XXXX and XXXX are violating the fcra and all agencies are violating my right to privacy,.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (WA)

Have been getting multiple ( 3 or more ) calls a day, every day for the last 60 days. They are bypassing the DO-NOT-DISTURB setting on my phone and filling my voice-mail. They are disturbing me while I am working and I can not keep my voice-mail open and available for important calls from my son 's school and doctor.
Consumer complaint received 2022-04-15
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. (AZ)

I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. XXXX, XXXX, and Transunion refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

Set up an online savings account with HSBC USA with a XXXX, NY XXXX XXXX XXXX XXXX ) in XXXX of XXXX. Mailed in a check of {$6000.00} to start my account. Made an ATM withdrawl of {$100.00} in XXXX of XXXX. That was the only transaction that I have made. I was notified in late XXXX by mail that HSBC was selling its savings section to XXXX XXXX. On XX/XX/XXXX I received a paper final statement of only {$50.00} that was transferred to XXXX. Also received from XXXX its first statement ending XX/XX/XXXX of a balance of {$50.00}. That was when I realized a large portion of my account was missing. After numerous calls with HSBS customer service call center, I was told that on XX/XX/XXXX, there was a wire transfer of {$5900.00} made to XXXX. I did not make any such transfer and I would like to know who authorized that transfer, and why HSBC never bother to contact me about that. HSBC has my hone address, Email address and phone number on file.