davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (IL)

I had 2 secured credit cards with XXXX XXXX. After receiving a unsecured card from another credit provider I called XXXX XXXX and asked them to close these 2 accounts and refund what monies I had left in my savings after the accounts were closed. They stated that the deposits will be used to credit the amount owed on the cards, which I had no problem with that. I wasn't looking for a big refund since I had a balance on both cards. 
I just wanted the accounts closed! They said that it would be taken care of. So I waited for my refund, but instead I got a statement on both accounts that they were past due. So I was charged a late fee and I called right away to find out why these accounts were not closed as requested. They stated it takes 15 day to make sure no further charges came through. So they continued charging me late fees and if I recall I think they charged me a over the limit fee. I told them I was not going to pay late fees and these accounts should have been closed and my little refund sent to me. So since I told them I was not paying any late fees. They kept reporting my account late until they finally sent it to collections and wrote it off as a charge-off and continued reporting it to all the bureaus. These account were secured and they should have been closed as they were asked. Nope let 's charge him late fees/over limit fees and write it off as a charge-off.
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (IN)

Hello, my name is XXXX XXXX. I co-signed a loan with XXXX XXXX at a XXXX dealership. On XX/XX/XXXX, we opened a loan agreement with Chrysler Financial in the amount of {$33000.00}. It has an APR of 21.53 % As of XX/XX/XXXX, we owe {$25000.00}. Our monthly payments are {$840.00}. Regardless of interest, paying {$840.00} just shy of 6 years, This company will have made {$61000.00}. That is equivalent of 2 brand new cars that we have given this company. 

At the rate things are going, we will hand them at least another 3 brand new cars. I have pleaded and pleaded with Chrysler financial, and there is nothing they can do. This loan is so upside down that no one wants to touch it for refinancing. If it does get refinanced, me and XXXXXXXX XXXX are divorced. Her credit is horrible, so I would have to refinance it making my names still on the loan. 

In the meantime, this secondary auto loan is holding me back from a mortgage. Please help me with this predatory lending practice.
Consumer complaint received 2022-07-26
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. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-07-26
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 has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my wriiten instructions
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The credit bureaus are not investigating my dispute with XXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.
Consumer complaint received 2018-05-23
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. (NJ)

A credit card account with XXXX XXXX XXXX XXXX XXXX continues to be reported with an open balance. 
The account is paid in full and is now closed, however, Experian continues to report the account has an open balance despite my several attempts to have this corrected, Experian has not thoroughly investigated the account and continues to report the account with an unpaid balance and still open.
Consumer complaint received 2018-11-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (CA)

Dear, Im XXXX  years young, with XXXX and XXXX XXXX vet, On XX/XX/2018 at XXXX XXXX ( pacific time ),  I made teller deposit {$1500.00} cash and {$100.00} check total of {$1600.00} inside the XXXX grocery store  one of US bank branch located at XXXX  XXXX XXXX, XXXX Ca XXXX, I got official receipt showing my deposit amount, on XX/XX/2018 Iat XXXX logged in but couldnt find my deposited fund, It is very important because I paid few bills that going to appear on Monday, so I called US bank and discussed the issue they couldnt find the deposit either they said we will investigate it this can not happened because they are banks what happened if i dont have the deposit slip but the issue is what if I didnt had it and is cash this is fraudulent action when an deposit or withdraw or any transaction It must appear in the account ( s ) I really believed Usbank participating in fraudulent activities and CFPB must investigate It, Im going to the same branch in few hours but why this is happening, Investigate if there other government agencies that i can file complaints please let me know also. Thanks.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (OH)

I received background check information back from XXXX and noticed some information pertaining a felony misdemeanor. This information is completely inaccurate and I would like for it to be investigated and removed. Per search ID : XXXX State : OH/XXXX  it list record found for felony/misdemeanor but provides no information pertaining to a case. I have never had any criminal records, felonys or misdemeanors. My SSN has been flagged due to all federal government employees personal information and SSN compromised. I would like to know how to move forward to dispute this. Please help.
Consumer complaint received 2023-03-26
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 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 A account without my written instructions.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (MI)

I received a strange text message from MRS BPO LLC saying I owe XXXX {$760.00} and theyre trying to collect a debt. I do not owe XXXX anything. I have an automatic monthly payment with them that Ive had for many years. This is clearly fraud. And they need to stop contacting me. I dont owe anyone anything. 

MRS BPO LLC XXXX
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Collector states they have to contact me about a non existant court appearance. Say the are collecting for HSBC card services. Debt was already paid to another creditor in XXXX. Even after talking to them they are harassing family and friends.
Consumer complaint received 2018-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

My home loan with XXXX was immediately sold to Amerihome in XX/XX/2018. I have been paying into the escrow account since then, with an amount based on the new assessed value of my home. 
In XX/XX/2018 I received a supplemental tax bill from XXXX county for {$8500.00} which clearly stated I am responsible for paying this bill, not my mortgage servicer. I immediately contacted Amerhome to tell them that the amount they have in my escrow account far exceeds the tax bill THEY were to pay ( {$1100.00} ), which was based on the old assessed value. 
For two months, I have repeatedly called, emailed and begged them to send me the excess escrow funds, which are currently {$4800.00}. 
Amerihome, and THEIR servicer, XXXX, has repeatedly claimed they have ordered new " escrow analyses. '' Amerihome sent me {$640.00} XX/XX/XXXX as a result of an annual escrow review, but this review still assumed a new, higher assessed value, NOT the actual property tax bill they received and partially paid to XXXX County. In a phone call XX/XX/XXXX, an Amerihome/XXXX representative admitted they should send me my {$4800.00} AND reduce my monthly payment for escrow/impound. My several follow up phone calls yielded no results. 
Amerihome is holding my excess {$4800.00} escrow funds hostage -- funds I NEED TO PAY MY SUPPLEMENTAL PROPERTY TAX BILL WHICH IS NOW DUE! This is unlawful.
Consumer complaint received 2023-03-26
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)

After checking my Credit Report I Reached out to the credit bureau to open an investigation on the verification of accuracy and consistency of information on my credit report. The Credit Bureau came back with the result as being verified and accurate, and after doing more in depth research i found the information to be improper and inaccurate after the credit bureau stated they have already conducted their investigation In 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 XXXX US DEPT ED XXXX - XXXX XXXX XXXX XXXX30 Days 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 a account without my written instructions
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bridgecrest Acceptance Corporation (FL)

I was in the hospital last year for two month dealing with mental health issues. I let Bridgecrest know I was in the hospital. I told them several times. They called everyday. Obviously cause I was late. I told them I didnt know how long I was gon na be in the hospital. Im a veteran so I going through a XXXX program. Near the end of my program they sent me deferment contract to defer the three months. I was late on. I missed XXXX, XXXX, XXXX. So a deferment pushs those payments to the end of my loan. I signed the deferment contract on XX/XX/year> after I signed they hit my credit report with two 30 day late payments. For the months that I deferred. Now how can that be if I deferred the payments to end of my loan. You can be late on something you dont have a payment for. Their policy with Bridgecrest is 45days your late. I was able to get the one removed. But they will not remove the one for XXXX. Tell me how Im 30days late on a deferment contract. For payments that were moved to the end of my loan. Even if I was 45 days late for XXXX. My payments are due on the XXXX of every month. So signing the contract on the XXXX of XXXX would still not make me late. They refuse to do anything about. I reported it to the XXXX. They said they cant do anything. This is a legal binding document. On top I am being charged over 24 % APR the state max is 18 %.
Consumer complaint received 2022-07-26
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 # XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my wriiten instructions
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (VA)

This debt to consumer portfolio services is not mine! I requested documentation showing my valid license and signature and the company sent me a signature that isnt mine! I have not been able to drive since the age of XXXX because a illness I have. I have never had a valid license to purchase a vehicle! Something needs to be done! A police report is on file
Consumer complaint received 2022-07-08
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. (VA)

In 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 has violated my rights. 

XXXX5 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 2018-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

A fraudulent transaction was made using my XXXX account in the amount of XXXX to a XXXX, made on or around XX/XX/XXXX. The last authorized transaction was made to my GF, XXXX XXXX, over a year ago. I rarely use my XXXX account and it appears the person, XXXX, sent a money request and the person ( s ) whom hacked into my account approved it and used my card on file. I believe the persons are all working together as I do not know the person, XXXX and she appears to be selling herself as XXXX is listed in her user name on XXXX. I reported the transaction as fraud to a XXXX via live chat on XXXX on XX/XX/XXXX, an XXXX emailed me yesterday, XX/XX/XXXX, she stated my claim was denied but did not disclose what actions were taken to investigate. As I stated before, I do not know the person whom funds were sent to, I would not send money to someone I do not know and again, it appears she is a XXXX worker whom is selling herself. I would advise XXXX to reverse transaction, take funds out of the receiver 's account and close my account as well since I do not use it, the last transaction made by myself was to my GF, XXXX XXXX which was over a year ago.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

My drivers license was recently stolen and I have an older XXXX  drivers license that expired in XXXX  it has the same drivers license number as my current one that was stolen. Before I visited the branch at XXXX XXXX XXXX XXXX I called customer service who said I could deposit money with out a current ID if Im the account owner. When I went to the branch in XXXX XXXX XXXX located in XXXX California they refused to let me access my account which is over drawn even though I had a social security card and bank statement and expired ID card. My account is overdrawn yet the branch would not let me deposit money my son is a beneficiary and supposed to be able to access my account he had his ID and the branch manager said he can not access my account even though he is a beneficiary. What good does it to add a beneficiary if they cant access the account? The phone number to this bank is XXXX. Im guessing that this Wells Fargo branch does not value me as a customer denying me access to my own account. When I called customer service they said the branch manager had discretion to accept an expired state ID. I was trying to deposit cash not withdraw money I almost suspect discrimination and prejudice by the bank as they acted unreasonable. Please investigate Im locked out of own account and the bank lied to me and refused service. This branch I would only give 1 out 5 stars. Please investigate.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank reported my credit report a 60 days delinquent and they have refused to correct the information being reported on my credit, I have started a dispute with the 3 credit bureau wich XXXX is the only one that was able to correct the information as per the documentation I provided, the other 2 Bureau still pending since Synchrony bank refused to correct the information. 
Attached is the proof where it shows that a check ( check attached ) from a XXXX XXXX account was mailed to Synchrony bank on XX/XX/2019 with my synchrony bank account in the memo line, and a letter printed on XXXX ( letter attached ) from Synchrony bank was mailed to me stating the payment I sent on XX/XX/2019 was unable to post my account because they were having difficulty identifying my account, even though my account number was written on the check ( check attached ). 
After I received that letter a second payment attempt was made to make a payment and as far I was concerned the payment posted my account and received a refund check back for overpayment ( check attached ) about 30 days letter I received a letter printed XX/XX/2019 ( attached ) stating they were unable to post the payment again because they were unable to find the bank information. I attached the information of the XXXX XXXX with the bank information to verify that the check had funds available to be cash. Synchrony bank is reporting delinquency on my credit report and that information is incorrect since I have attached proof showing otherwise.This situation is affecting my life financially since it has had a big negative impact on my credit score and at this point im unable to refinance my XXXX  XXXX for a lower rate due to Synchrony Bank wrongly reported my account 60 days late and they still refusing to help in any way. 
Thank You Very XXXX, XXXX XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX  XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-07-28
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXXXXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.