davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

I will like to file a CFPB Complaint against Wells Fargo Dealer Service for inaccurate billing practices while deployed. On XXXX XXXX, I opened a car loan with WFDS. On XXXX XXXX, I deployed for 12 months. During this deployment, my loan was not deducted to 6 % as required under the SCRA ( Reduction of Interest to 6 % ) XXXX. The bank was notified and completely aware of this deployment but failed to decrease the interest. 
Also, during this time my vehicle insurance was changed to liability due to it being stored on a military installation. The vehicle was insured and covered by law. During this time, WFDS implemented their own insurance and charged me discreetly. This has caused my loan to fall into delinquency. Currently to date, the loan payment has always been promptly paid on time, never late. 



Thank you
Consumer complaint received 2022-10-26
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. (NV)

Disputed late payment dates on XXXX XXXX XXXX late payments. XXXX and XX/XX/XXXX XX/XX/XXXX, on XX/XX/XXXX after the dispute they changed dates arbitrarily to XXXX XXXX XXXX and XXXX of XXXX and also during that time. They completely changed late dates and added some. Also those dates I believe were deferred payments to due covid.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

On XX/XX/XXXX I opened an account with XXXX XXXX and on XX/XX/XXXX I received notice that my account was closed and upon speaking to a representative at a local branch on XX/XX/XXXX I was informed that I was denied due to negative reporting on my Chexsystems report. Upon contacting Chexsystems for a report, I was made aware that it was XXXX XXXX that is reporting negatively on my report. Upon further review, the negative information was from XXXX, which is now completely over the 5 years time frame that Chexsystems reports an account. Chexsystems is in violation of the FCRA and has prevented me from having access to banking and brokerage accounts.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I saw on my credit report that Convergent Outsourcing reported that I owe {$1400.00} to XXXX. I called them I let them know I do not owe them anything. They said that they would contact XXXX and I still haven't heard anything back in a few months. I returned all XXXX phones back to XXXX 's corporate office due to not being able to make calls or send texts the whole month I had them as my cellular provider and was told I don't owe anything. I called customer service and was told they were servicing the cell tower in my area. They didn't work in any area I was in.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

My mortgage was refinanced with the money source NMLS # XXXX in XXXX. I received a billing statement from them on XX/XX/XXXX. I made a payment of {$2200.00} to the money source on XX/XX/XXXX even though no amount was currently due. This is when the problem occurred. The Money Source did not apply the payment and didn't notify me. They did not refund me the payment either. At the end of XXXX, they notified they were selling my account tXXXX XXXX XXXX ( XXXX : # XXXX ). I called them asking why this notice didn't reflect the payment I made and they said it would post with the transfer to XXXX XXXX. That didn't take place. I then called them again on XX/XX/XXXX and XX/XX/XXXX and emailed them on XX/XX/XXXX. No method produced results. I called them on XX/XX/XXXX and they said they sent the payment to XXXX XXXX by wire on XX/XX/XXXX but XXXX XXXX said they didn't receive anything. At this point, I made a payment on XX/XX/XXXX and was not made aware that they wouldn't post the payment and they didn't refund it. Each day they hold my money, I pay approximately {$30.00} in interest on my mortgage.. Since I wasn't told about this and no communication was made to me and the funds were reversed, I feel like I'm entitled to my full payment and the interest I accrued on my loan while they held my money for free that I intended to pay a loan with. My XXXX statement ( that i had to pay again ) reflects {$970.00} in interest per month. That's {$32.00} in interest per day they're costing me and we're at least 20 days in since last payment ( {$640.00} as of today ). 

I just want my money and the interest they cost me by holding the payment. This could have been avoided if they told me or gave me options to refund it or hold it, but deceitfully they held it without telling me when they should have applied it to the loan. 




reference : XXXX XXXX wired on XX/XX/XXXX. {$2200.00}.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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)

FCRA Violations please add payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Missing payment history for 1 year : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA Violations please add payment history XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Missing payment history for 1 year : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this complaint in response to another complaint filed XX/XX/2021,. Transunion had been reporong an old delinquent child support account From XXXX XXXX, past the statute of limitations because the credit bureau recieved the paperwork with the real XXXX, the bureau verified it is 7 yrs past statute removed the account, but the account is still appearing on my credit report, they are in violation of the fair credit reporting act, everytime I call i always get transferred to a supervisor or representative in XXXX in XXXX I'm XXXX getting sick of this bureau violating the FCRA, and not reporting correctly. If they do not remove this account like it says on my credit report I will sue the XXXX out of them, they are causing me XXXX XXXX reporting XXXX debt, even after I sent them evidence of the original first date of delinquency which was 8 years ago,
Consumer complaint received 2022-10-26
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. (GA)

I have unauthorized inquires on my credit report that i do not recognize. I've tried to handle the situation but didn't get a response. I'm asking cfpb to help me with this situation.
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TN)

I paid off my car loan in XXXX that was originally with Suntrust but then transferred to Truist. However I never received any paid in full documents or anything after it was paid off. I called them ( Truist ) in XXXX to get these documents and they said they would mail it out again. I still never received anything so I called again in XXXX and they said the documents never even got generated and had to generate them again and be mailed out. Well its been a few weeks and I still havent received my paid Im full documents showing my loan was paid off.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TN)

I had XXXX back in XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. I sent a certified letter twice to XXXX and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. I provided proof and it was removed from my credit. 

Fast forward, earlier this month, I received a collections letter from XXXX stating they are representing XXXX to collect a debt that I do not owe. I have contacted XXXX numerous of times in addition have contacted each collections company that they sell my account to. This company has requested that I provide a letter in writing in which I did but apparently they have not received it. They state that I must notify them within 30 days. I get a credit alert today which is NOT 30 days that this debt has been placed on my credit report. This XXXX debt does not belong to me nor has XXXX been able to provide me with a contract or anything to show that this was my phone number. I have the original contract and never changed my number. The other collections had to remove it from my credit because I have provided all documents as proof. In addition, XXXX must remove this too because this debt does NOT belong to me nor do I know who it belongs too. I am attaching proof as well.
Consumer complaint received 2019-11-20
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: WELLS FARGO & COMPANY (NC)

My payment information on my Wells Fargo Mortgage is not being recorded by XXXX  as it is on XXXX  and XXXX. I have contacted Wells Fargo and they have reviewed and confirmed that the information has been given to XXXX  since XXXX of 2012 as it was with the other three agencies. I disputed this with XXXX  and they are saying Wells Fargo is not reporting the information. For some reason Wells Fargo information is accurate at the other two so why would XXXX  be any different. I have attached my XXXX  and XXXX  payment logs for proof of what I am saying is the case.
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

Noticed this account added to my consumer report, tried to contact the debt collector by mail requesting validation and didn't received any response, reached out to the credit bureaus ( started a dispute with XXXX ) 3 days later came back verified yet not method of verification hasn't been provided by any party. Today noticed the same account, amount and collection agency listed twice under the same XXXX report ( XXXX XXXX ) which is a violation under the FCRA.
Consumer complaint received 2022-03-25
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. (MD)

I, XXXX XXXX, am sending this complaint on behalf of myself. This complaint is not being submitted in error or by a third party agency. Please see attached documents.
Consumer complaint received 2019-11-20
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. (OH)

There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud
Consumer complaint received 2022-05-17
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (AR)

I deposited a check in the amount of {$11000.00} on XX/XX/2022, the payment came from XXXX XXXX XXXX XXXX for the purpose of paying my rent. PennFed placed a freeze on my account and asked me to send documents to verify my identity. I never received a letter for this decision, I found this out after several calls. 

After submitting documents I've still been unsuccessful withdrawing my funds.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.
Consumer complaint received 2022-10-26
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. (TX)

The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC (NV)

When I got my car loan I was told the interest rate would be 12 % along with the Veterans discount of {$1000.00}. I wasn't given discount and my interest payment ballooned to 29.99 %. I was told that I can drive the car home during the application " pre-approval '' phase. I was told that nothing with the deal would change. The Dealer told me that the car I got was all I was already qualified for at the lower rate of 12 %. The manager needed to call his friends in the bank who could make that happen. I drove that car around and sold my other car that night. I later got a call a few days later telling me that either I XXXX. Take the deal with the new terms XXXX. Reject the deal ( car I had was sold ) or XXXX. Return the car and have the dealership report it to the police as stolen. Now I am a XXXX Veteran ( 100 % VA rating ) and that terrified me. I had no other car and I took the deal without what I was told. The Dealer told me that I was lucky that it was mine now? How when my rate XXXX and I was given no Vet Discount. He laughed I even heard other Veterans talk about how they got treated the same. The finance company when I told them said that it was nothing that they can do. Then nearly every conversation I had with them was hostile. The reps were extremely aggressive telling me 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' Who says that? So I asked them to stop calling me and only email.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

AmeriHome Mortgage increase my mortgage payment stating that I didnt have enough money in my escrow account and because of that they paid the City and school taxes and now I owe them that money. According to the City AmeriHome havent paid the taxes and now I have been sued by the city for unpaid taxes. I had called numerous times to AmeriHome to get to the bottom of this situation however, they have failed to provide proof of the payment of the taxes.

I had to hired an Attorney to help me solve this situation. My attorney sent a letter to AmeriHome and were waiting for a response and he advised me to file this complaint.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX, XXXX and equifax is missing generation identifier. These are inaccuracys XXXX reports status updated XX/XX/XXXX Equifax reports status updated XXXX XXXX XXXX reports status updated XXXX XXXX. These are inaccuracys. 

XXXX reports last payment date XX/XX/XXXXXXXX XXXX XXXX  Equifax is missing last payment date. XXXX is missing last payment date. These are inaccuracys