davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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. (CT)

Account paperwork received from a XXXX XXXX  says original account name is for a XXXX XXXX XXXX opened in XXXX, first of all, I am not XXXX XXXX XXXX, I am XXXX XXXX XXXX paperwork received from a XXXX XXXX also said original account opened for a XXXX XXXX XXXX XXXX XXXX account number XXXX in XXXX, not XX/XX/XXXX, debt collector XXXX XXXX violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Dispute filed about account filed with Experian since it is listed on mu consumer credit report, all I get back is a computer generated print out not addressing what I was actually disputing. They are obligated by law to report accurate information. Re-aging an account is a violation under FRCA also incorrect information on an account is also a violation
Consumer complaint received 2022-02-28
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: Maximus Federal Services, Inc. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CO)

I WILL SUBMIT MORE INFORMATION ON MY ORIGINAL FILING THAT WAS CLOSED WITHOUT MY RESPONSE TO THE COMPANY RESPONSE TO MY COMPLAINT. 

I HAVE MORE INFORMATION THAT I WILL BE SUBMITTING BY REGULAR MAIL. 
I AM CHARGED TWICE ON INTEREST ON MY ACCOUNT. ONCE ON THE " XXXX OF THE MONTH, WHICH IS CHARGED TO MY " CREDIT CARD '' WHICH IS TAKEN FROM THE BALANCE ON MY CARD. 
IF MY BALANCE IS BEFORE THE XXXX ( example {$130.00}, after the XXXX my account is charged {$44.00}, they take the money out of my charging balance, now it reads {$80.00} on my available credit charging ). THEN ON THE NEXT MONTHS BILLING I'M CHARGED " MORE INTEREST '' WHICH I PAY IN CASH WHEN I PAY MY MONTHLY CHARGE. 
HOW IS THIS RIGHT? OR FAIR? 
MY COMPLAINT XXXX
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently pulled my credit report with all 3 bureaus and thoroughly looking over everything I noticed there is inaccurate information on my credit report including : wrong names not, wrong addresses, wrong employment listings that are not associated with me. in addition Unauthorized Inquires I do not recall attempting.
Consumer complaint received 2022-05-05
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The follow items are suspected of being a product of fraudulent activity .My Ssn and all person information have been leaked online.I believe this has lead to some unauthorized use of my credit, credit cards, and personal information. I have files a police report and the items on my report i believe to be affected,. see atttachment
Consumer complaint received 2021-06-14
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. (TX)

not mine fcra : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

XXXX XXXX XXXX left me without running hot water for 8 days. As recourse I withheld the rent for 8 days as per California Renters Rights. I had XXXX service the hot water heater that should have been replaced. XXXX reported it unrepairable and shut it off to be replaced. Its passed the statue of limitations and I already disputed and won with XXXX XXXX XXXX XXXX. Credit Bureaus Associates contacted my employer under false representation using false statements. They informed HR of this debt not owed. The caller Id showed XXXX XXXX rather than CBA. The rep was rude, harassed me and would not allow me to speak. I was never asked to be recorded nor was a pre recorded disclosure played. Call made X/X/17 at approx XXXX XXXX
Consumer complaint received 2017-09-06
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. (NV)

My credit report for both Transunion and XXXX are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XXXX. I paid off the credit card on XXXX XXXX and its still showing a high balance reported in XXXX XXXX.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX check # XXXX in the amount of {$20.00} was mailed to Florida XXXX XXXX XXXX. 
Somewhere along the way the check was compromised and re-written to a XXXX XXXX in the amount of {$9300.00} and cashed. I immediately went to TD Bank to report this act of fraud and closed my account. A new account was opened. TD Bank did not offer any temporary checks or cover costs of new checks. A Police report was taken by the XXXX XXXX Police Dept. Case # XXXX. 
XXXX XXXX with TD Bank ( XXXX ) XXXX sent a letter on XX/XX/XXXX stating that TD is looking into the case and that it could take 120 days or more for the " other '' financial institution to make a decision on returning my money. No other communications have taken place with TD Bank.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (TX)

1. XXXX XXXX XXXX XXXX Account listed not mine information listed inaccurate 2. Bankruptcy reporting Account listed not mine information listed inaccurate- violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-28
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX. The letter was a settlement letter requesting me to pay XXXX different amounts to settle the account. I called to ask why I was receiving the letter & that I am not aware of an account with them. The guy on the phone at XXXX XXXX XXXX, asked for identifying factors in which I would not give him. He became irate & hung up. Afterwards, I called Credit Acceptance Corporation, & was informed that they're trying to collect a date from XXXX which is far past the statute of limitations so I faxed a letter to both entities & in total disregard concerning my letter, this morning, I received a call from XXXX  & voicemail from XXXX, after I requested for them to not contact me concerning the matter. So I called back & spoke to another person who answered & asked that my number be put on their do not call. She asked me to hold & after 10 minutes I hung up the phone.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I reached out to the consumer finance board for assistance and getting SunTrust to reach out to me so I could get bank statements from XX/XX/XXXX through XX/XX/XXXX. It is impossible to reach Suntrust directly as wait times are consistently over one hour. Even though SunTrust called me back within two days and understood completely which statements I needed, XX/XX/XXXX, I only received a one page statement which compiled of three months of no activity. This is not what I asked for this is not what I need and I will have my XXXX XXXX XXXXXXXX benefits terminated if I do not get the statements that SunTrust promised me but didnt provide.
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NC)

The entity involved is Santander Bank and XXXX XXXX. Back on Wednesday XX/XX/XXXX Santander had the XXXX XXXX XXXX  repossessed by XXXX XXXX. XXXX XXXX has its physical location in XXXX, NC ( which is about 45 minutes from where the vehicle was picked up ). Once the XXXX XXXX XXXX was repossessed it was taken to XXXX, SC. XXXX is roughly about two hours away from where the vehicle was picked up. During the time of transport and while in possession of XXXX XXXX the XXXX XXXX XXXX underwent some mechanical damage. To be specific the XXXX XXXX XXXX was in perfect mechanical working condition prior to being repossessed. Once the XXXX XXXX XXXX was allowed to be recovered, which was 24 hours later. XXXX XXXX would not allow the vehicle to leave until 24 hours had passed even if the balance was fully paid. I had to drive to XXXX, SC to pick up the vehicle on Thursday XX/XX/XXXX. Once the vehicle was recovered I started to hear and feel a kick in the transmission. When the truck would shift between 1st and 2nd gear it would kick. Also, when placed in reverse it would kick and spin ( making real loud and concerning noises ). I then proceeded to take the vehicle to my local mechanic XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They advised me that if the vehicle was towed/rolled without the differential being unlocked, it very well could have caused mechanical damage. XXXX XXXX XXXX XXXX XXXXXXXX advised to get a second opinion from a shop that specializes in transmissions and such. I then took the XXXX XXXX XXXX to XXXX XXXX XXXXXXXX for an evaluation. After the diagnosis took place, it was then confirmed that the transmission, transfer case and differential were all damaged during the towing process. The truck stopped operating properly after the diagnosis and was advised to get a rental vehicle. I proceeded with that and left the XXXX XXXX XXXX at XXXX XXXX XXXXXXXX. In the meantime I had submitted the various reports provided by XXXX XXXX XXXXXXXX. At this point Santander asked to wait 7-10 business days awaiting response from XXXX XXXX ( in hope of them owning the damage ). XXXX XXXX  responded by saying they were not taking responsibility for the damages. Santander communicated this to me, I then explained that I was not looking for a free handout and that the vehicle was in perfect mechanical condition prior to the truck being repossessed. Santander asked me to submit records of the maintenance that had been done to the XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX provided service records for the entire time I have owned the vehicle. I then submitted these records to Santander ( which included a recent service done in XXXX of XXXX ). XXXX XXXX still came back after these records where provided and denied the claim on the damages.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/scrub>XXXX XXXX XXXX The amount was open XXXX I presented my LLC and my EIN and at that time my score was above the requested score they said XXXX and even tho its still low I had XXXX XXXX XXXX if they would have really investigated they would have seen that but there only read the cover. Claiming they used their own thoughts. So that show negligence on them .but not truly taking the time to see if I really fit.then they send me all these invitations to there so called cards that fit my criteria and Im sure to get and I dont they say reapply with in XXXX and we dont check your credit score and report. Then they do it anyway. Then I asked them to remove there hard inquiry and they dont then I ask to be paid as a trustee and they dont I asked for my XXXX for not removing them I didnt get it so what eles to do SUE right
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services (OH)

The worse dealership experience I have ever had, and I've been driving since I was a teenager. When I purchased this vehicle ( gladly with a witness ) I told the salesman how much I drive ( numerous times since we were discussing a lease ). Fast forward 6 months later of a supposed " brand new vehicle " and XXXX miles later battery and engine issues. To which I'm basically told is going to keep happening. Tried numerous times to reach out to mbusa, Mercedes road side, and the dealership to be hung up on, lied to or ignored. I finally towed the vehicle up there and went directly myself since no one cared about my problem and made it clear I wanted to return the vehicle this is not what I pay {$850.00} a month for. They forcibly put the vehicle into " repairs '' against my consent, then when it reached the point of me having to make a scene to actually be heard they want to tell me I have to pay {$10000.00} to return the piece of XXXX they lied about and sold to me. I left the vehicle there since they forcibly put it in " repairs '' without my consent and contacted my attorney to update him on the matter. Run from here as fast as you can! I'm glad I recorded my whole interaction with the lying scammers.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

We discovered several fraudulent accounts on my credit report. When attempting to contact this Bank - Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX, We have been unable to make contact. The XXXX number has limited hours and when I called today during a period they were supposed to be open, I was on hold for 20 minutes, then my call was terminated by them. 


How can I report the fraud in a timely manner if they never answer their telephone.
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CashRepublic Holdings, Inc. (TX)

Omni Financial of Nevada has continued to avoid my concerns. My account shows C/O of XXXX but amount owed XXXX. 

Again, not only did I purchase debt cancellation with the original loan which shouldve took care of this debt but, and mainly, had it not- the balance should still only be XXXX. 

Ive never been provided right to dispute, payment plan option, nor a monthly statement outlining interest as required by FDCPA and FCRA.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

I have sent proof of address proof of social security card and drivers license. This company is using a stall tactic to prolong there investigation after sending proof the company respond and still ask for these documents that was sent with the initial dispute.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I settled with the Debt Collector XXXX XXXX XXXX XXXX Capital one and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all XXXX credit bureaus. XXXX XXXX XXXX has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). XXXX {$1300.00} XXXX {$520.00} ... On XX/XX/XXXX XXXX XXXX XXXX tried to double-dip on a collection that doesn't belong to me and reported the amount to the XXXX credit bureaus which resulted in a negative effect as I am currently going through the process of closing on a home.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I started my modification application in XX/XX/XXXX because my balloon payment was coming up to be due in XXXX. My application was paused in underwritting because there were some questions. I addressed all of the questions and made the changes they requested. 
XXXX. ) they wanted me to submit a lease agreement, I explained that my XXXX business is a bed and breakfast and does not have a lease agreement. I was told to change my XXXX ( application ) to show the income as a business instead of a rental income. I was also told to submit a P & L and bank statements. I did all the above, the XXXX & XXXX and statement was approved, but the lease requirement is still not removed. 
XXXX. ) They wanted a court document for my child support. All I have is years of bank statements showing the receipt of the money and an affidavit from my ex-husband because we did not need to go to court to come to an agreement. Since that was insufficient, I asked them to exclude the child support as an income source altogether. I was told to submit another XXXX excluding the child support, which I did. 
Both the child support and lease requirement were still not removed. From XX/XX/XXXX until XX/XX/XXXX I did not hear back from my assigned agent, although I called and sent several emails but was always told someone will get back in touch with me, but nobody ever did. I then received a denial letter dated XX/XX/XXXX stating that I was rejected for the modification because " I failed to submit the required documents ''!! I sent a really long email on that same day to their customer relations, research department and all emails I had from Mr.Cooper stating my complaint and providing all the emails and details ( similar to above ). I received a response on XX/XX/XXXX from the assigned agent, XXXX XXXX, My apologies for your experience, I have escalated the issue once again and we will get back to you as soon as I receive a response. I have followed up with calls, voicemails, and emails since I received that email and still, as of XX/XX/XXXX nobody is responding to me. 
Due to this false reporting from Mr.Cooper, my credit score has dropped from XXXX to XXXX, that is a difference of XXXX points within 2 months! The modification would have closed in time if Mr.Cooper would have processed my application. I also tried to make a payment when I called customer service but I was told the minimum payment was more than XXXX.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (TX)

It is unfortunate that I have to continually complain against XXXX XXXX XXXX XXXX ( XXXX ). XXXX  labels all my complaints as duplicate but has yet to provide the permissible permission used to access my credit report on XX/XX/2017. XXXX didnt have permission and would rather feel like they have answered but they have yet to provide me with the valid permissible permission. They have also said they mailed the permission but that is false.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MD)

Pursuant to my complaint # XXXX to CFPB, Regarding closing my account, enclosed is the Citi Bank 's letter dated XX/XX/XXXX, stating of the account closure and issuing an official check for the balance deposit to account holder 's address on the file within sixty days of the letter. As of this date XX/XX/XXXX, Citi bank not only has send my {$100000.00} deposit balance, but also no bank statement was sent since XX/XX/XXXX. 
Here again the Citi Bank violates its own commitment to customer, besides closing my account with irrational and abusive actions. 

I must emphasize, Citi Bank disregard my honest error by returning {$100000.00} transfer to resolve the issue and now withholding my {$100000.00} deposits over 115 days. Citi Bank restricted and closed my account on XX/XX/XXXX. 

XXXX XXXX