davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (MI)

My husband and I took out a loan for a used care with Consumer Portfolio Services in XX/XX/XXXX. The terms of the loan were explained as a 72 month loan. During the course of the loan, we did extend the loan by changing the date and putting payments off to the end of the loan on several occasions. The loan was to originally mature in XX/XX/XXXX but was extended to XX/XX/XXXX. My loan is current and I technically have 3 payments left and late fees that we have accrued, that I can not and will not dispute. Once the loan matures and the late fees are paid, Consumer Portfolio Services states that I will still have an outstanding balance of over {$4000.00} of extra interest that has accrued due to the 10 month extension. 
After talking with the company on XX/XX/XXXX, they informed me that the extra {$4000.00} dollars accrued due to the fact that we have a loan that accrues daily interest. We were mis-informed about this when signing the loan back in XX/XX/XXXX. We were lead to believe that the loan would be paid in full once 72 payments had been received. 
We have already been charged an astronomical amount of interest due to CPS being a sub-prime borrower, and now they add an additional {$4000.00} in interest, that continues to accrue daily. We will never be able to pay this off, if the interest accrues on a daily basis. These subprime lenders are taking thousands of extra money from people that can not afford it to begin with. Our circumstances occurred due to a job loss and lay off, and we do not typically have this problem with paying our bills. I do not want to have to pay an additional {$4000.00} on top of what we have already paid. How can we resolve this without hurting my credit or having a repossession if we can not pay this extra?
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

I had a lease for a XX/XX/XXXX XXXX XXXX with Chrysler Capital - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ADIR INTERNATIONAL LLC (CA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against CURACAO for committing identity theft. I have never given CURACAO any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from CURACAO before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CURACAO can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CURACAO can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CURACAO continues its collection efforts, I will file for litigation for actual damages caused and CURACAO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2019-04-09
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: WELLS FARGO & COMPANY (CA)

I have a hard inquiry on My XXXX  and XXXX credit report as of XX/XX/2019 from Wells Fargo. Wells Fargo says they never made an inquiry and to call XXXX to take it off there is nothing Wells Fargo can do about it. XXXX says call Wells Fargo and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as XXXX goes someone fraudulently made a Credit Card application from Wells Fargo and the Hard Inquiry in on there from Wells Fargo. Wells Fargo says they only made the Hard inquiry to XXXX and not XXXX. Wells Fargo has found that the application for credit was fraud and the XXXX inquiry on my credit report should be removed but they told me to contact XXXX to do it. XXXX told me only Wells Fargo can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

We were purchasing some home gym equipment back on XX/XX/XXXX and when asking about promotions and cost. We were told that they have a 6 month promotional offer and we asked if it was possible to do 12 months and they said they could look into it and get back with us. They did get back to us and told us that we could get the 12 month promo and that there would be no monthly minimum payment as long as we paid it off in the 12 months. Well when I got the statement in the mail I was surprised to see that we did in fact have a monthly minimum payment which was being factored at 3.5 % which was never disclosed and we never received any disclosures or signed any application for that matter. When I received our Statement I called the Sales Rep on XX/XX/XXXX and asked him why I did have a minimum payment and why was it 2 accounts instead of just one and that my payment was due in 2 days and that he needed to get back to me asap. Well XX/XX/XXXX came and went and I ended up making my payment so that it wouldn't be late or derogatory. Now 11 days later I call him again and ask him to check into it and he says he will, he finally calls me back and tells me that he misspoke but that I was still getting a good deal. Well to me I am not getting a good deal cause what I was told was the deal I wanted but now I am stuck with completely different terms than what I was told I would be receiving.
Consumer complaint received 2023-04-10
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXXXXXX 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 2019-05-25
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: Experian Information Solutions Inc. (PA)

Made several attempts via certified mail regarding hard inquiry on credit file. Company failed to comply according to FCRA guidelines. Company failed to investigate hard inquiry. Also sent information via fax.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain on my credit report.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau Services Association (OK)

This account was paid by my insurance carrier through a negotiated payment. XXXX knew this when they accepted my insurance. I contacted the collection agency and asked for a copy of the invoice to send to the insurance carrier. I was told the account is too old to submit to my carrier how did I want to pay this off? 

CBSA XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1700.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1700.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been self employed for over thirty years now.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain on my credit report.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern, My name is XXXX XXXX, and Im a concerned chase sapphire customer. On XX/XX/XXXX. 2019, my family and I flew out to XXXX with a return date XX/XX/2019, with all my transactions made with my chase sapphire card. 
Upon the conclusion of the trip, a natural disaster, hurricane Dorian, was set to hit Florida ; which was my destination from XXXX on XX/XX/2019. Unfortunately our flight was canceled due to the state of emergency, and therefore we lost our non refundable tickets out of XXXX. I quickly called chase sapphire customer service and was told, by your representative, that all transactions made to accommodate my travels will be covered under the insurance provided by the credit card. This was confirmed to me multiple times by your representative. 
Once we arrived home, after a long and tedious trip, I made a call to chase sapphire inquiring about my claim. To my surprise, I was told that the transactions made to get us out of XXXX was not covered. I spoke to a manager and explained that the chase sapphire representative assured me that everything would be covered. I was promised that an investigation was to be made, and if the chase sapphire representative was to be found at fault, my expenses would be fully covered. 
On XX/XX/2019 around XXXX, I was contacted by XXXX XXXX, who claimed to be the utmost authority that can help me with my issue. He informed me that the investigation concluded that the chase sapphire representative was at fault. HOWEVER, surprisingly, he was very blunt in his approach and in telling me that chase sapphire would not pay for their misinformation. After much explanation, the conclusion was that I would have to pay for the representatives mistake. This is unfair as I was misled into thinking all my expenses were covered. I find it astonishing that a respectable corporation like chase, can not own up to their mistake and fix this issue. Im asking for a fair compensation of all my expenses that were purchased based on the information that was given to me.
Consumer complaint received 2023-04-10
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. (AL)

Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ALCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately. 

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TransUnion I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

We were in forbearance for 12 months on our mortgage with Lakeview serviced by XXXX, at the end of forbearance did a loan modification placing all past due payments, taxes and insurance in a deferred balance. During that time was approved for HAF mortgage assistance on XX/XX/XXXX. Lakeview received funds and refused to apply them and returned them on XX/XX/XXXX. We have spoken to Lakeview almost daily, they have given several different reasons why they will not apply the funds. Even after Lakeview returned funds they claimed they never received them. They refuse to give us the information on where to have the funds applied to deferred balance.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Karma (CA)

credit karma and XXXX, XXXX states to CFPB XXXX  not reporting but Credit Karma is stating XXXX is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that credit karma by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX  XXXX /
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never opted in to have my information sold by Transunion. I do not have a member account with them and did not know I needed to " opt out '' of having reported information sold to third parties. Late last week, I applied for a mortgage through one lender who I submitted an application to and gave permission to run my credit. 

This morning I was woken up at XXXX by a lender I never contacted cold calling me trying to sell me a mortgage. It's now XXXX and I have received over 35 phone calls and 3 text messages from different lenders- one of who let it slip that they received " my inquiry '' from Transunion . 

I have gone onto the Transunion website and found the section that allows me to opt out of communications and have opted out of all selling of my information. Interestingly, I don't need an account to " opt out, '' which indicates to me that no one is actually " opting in '' to this information sharing. 

It it ludicrous that Transunion can get away with selling information that I have not given them permission to sell.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 2019-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I learned I was part of not one but two major breaches are XXXX   where my personal identity, all personal information was sold including my SS #, name, middle name, married name and maiden name as well as email addresses, cell phone, address and parents address among other relatives of mine. Yes have court orders, restraining and harassment orders for life restricting use of my private information or use of my credit and FTC filings, police reports, notarized fraud affidavits, financial investigations, locked credit, security and fraud alerts now in place as of XX/XX/2019 when I learned of all this, recorded conversations and written documentation backing everything up and still TransUnion will not remove the fraudulent inquiries and other erroneous information, public records that are associated with suppressed/blocked confirmed confidential documents that are not authorized and are not associated to any address/home Ive owed, nor will they remove accounts I also dispute that are listed on my credit report that have been ordered records destroyed.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of Identity theft, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (MD)

They kept calling me everyday! I told them that I have no co trip to pay the payment to pay back the phone company spirit and will try figure out to pay back when I do my tax return and they kept on pushing me pushing me i repeated told them what I plan and they did not listen to me so i told them the same answer and hung up the. they kept call me everyday! so i blocked them and it still go thru and call me everyday!!! harassing me i 'm tired of getting their calls!