davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp. (FL)

eep driving the car as I will incur additional fees for going over the mileage. They offer me a new loan that is so expensive and I said but I would not be able to afford that payment, I want something that I can afford. I contacted XXXX XXXX around XX/XX/XXXX, to come pick up the lease, they said they would contact me back and they never did. I visited the dealership on XX/XX/2018 to return the car and they did not take it back. They say, they would have someone called me. Nobody called me, I went to the dealership on XX/XX/2018 and returned the car and signed a lease return receipt. I sent an email to XXXX XXXX XXXX notifying them that the lease has been returned. The remaining payment on the lease was XXXX. However I received a letter that stated I owe {$39000.00} and that my vehicle was repossessed on XX/XX/2018 and I was charged repossession fees. Please help me as this company is engaged in deceptive sale practices and charge excessive fees. My remaining lease balance is only {$12000.00}. I am a XXXX XXXX veteran who work hard to earn my money. I can't give it away to this company that engages in unethical and illegal practices.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX account for months with Experian and XXXX They also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the late payments on XXXX XXXX, and XXXX XXXX XXXX   XXXX  XXXX accounts for months. Equifax also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-25
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, has Violated my rights. 15 USC 1681 Section 602 ; states, I have the right to privacy. 15 USC 1681 Section 604 ; A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open ended consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-30
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-11-06
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove ( Original Creditor : ) XXXX
Consumer complaint received 2018-11-04
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)

XXXX, Experian and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a  statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( XXXX, Experian and XXXX  are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that XXXX, Experian and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

THIS INFORMATION WAS REVISED XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

SLS or Specialized Loan Servicing has sent out three checks from my escrow account they can't track these payments and my escrow IS DUE NOW to XXXX my insurance company. 

all checks have been lost. 

they can not track where the escrow went and they do not call me back after many phone calls.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (GA)

I attended XXXX ( GA ) in 2013. I withdrew from school. I assumed federal student loan debt, that I am now repaying. XXXX has been seeking debt, on what they say is a balance left on my student account. However, I received financial aid in grants as well, which created a refund, when I was enrolled. I have disputed this amount several times, with no proof of debt. Also, XXXX has sent this debt to a collection agency, which I have disputed. I received a ledger report of my account from XXXX that displays a refund dispursent, that then was reported as a EFT ( Electronic Funds Transfer ), to who (??? ) no one is able to tell me. The student finance representative told me, it was a re-coopment back to my financial aid lender. When I call the financial aid lender AND the NSLD ( National Student Loan Directory ), they have no record of another financial lender associated with my name, as well, no record delinquency or re-coopment of funding sent to the XXXX. I was advised to request validaty of the debt, submit a copy of ledger report, and proof of student loan repayment, to the credit reporting bureaus to disputed debt. When I call the collection agency ( ATG CREDIT LLC. ), the representative could not provided legitimacy of the debt, and that the school would have that information. When I advised her that I spoke with the school, student loan lender, and the NSLD, and was unable to get the requested information, she advised me to call the parent company of school ( XXXX XXXX XXXX ), and hung up in my face. I called XXXX, and that representative told me they did not have the details of the the debt and told me to call XXXX. When I told him I had went in circles already, he gave me an email to send my disputement to. I am tired and frustrated and need assistance to resolve this matter. It has/is hurting my credit score, reporting, employment, and lending options.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (IN)

XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO CHEXSYSYTEMS,  XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (CA)

I received a statement from XXXX XXXX sent to my P.O Box over 6 months ago. It was for a order that was made for items that I did not order or recievc. I contacted the merchant and they informed me of this problem and I explained to them I had not ordered anything and that I have not received any merchandise. They stated I had to sign a statement indicating that it was not anything I had ordered or received.They sent me this affidavit which I filled out and returned. I just received a duplicate statement indicating that I still owe this money and they have now threatened me and reported falso information to the credit bureaus
Consumer complaint received 2018-11-04
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. (NV)

It all started when I complained to cfpb last month about XXXX XXXX XXXX and the account that they are falsely reporting on my credit file. I pointed out that they claim they got the account from XXXX XXXX, then they claim it almost 6 months later and reage it, as soon as I complained my credit score with TransUnion drop like 70 points in like 2days for no reason. Is that supposed to be a punishment for complaining? I want justice for these guys just doing what they want with ones credit.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have an account that is reported as a Charge off ( XXXX XXXX XXXX ) but all the payments were made in time, i have two pictures to prove it. Please change the status of this account from Charge off to Paid as agreed or remove it from my credit report because this is inaccurate reporting. Thank you very much, I really appreciate your help with this matter.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

XXXX  has been non-compliant with removing the unverified account WF/XXXX   XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that WF/XXXX  was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XX/XX/XXXX, I tried to take out a hardship from my 401K they denied it twice charging a total of {$90.00}. Instead of letting you know what missing paperwork you have to approve it, they deny it to maximize their revenue. They told me insurance is pending so it doesnt qualify if insurance doesnt pay itll just make the bill even more and the amount I requested didnt cover the complete bill anyways. I pointed out where insurance was forwarded to the bill and patient balance was {$490.00} they said that wasnt good enough. No where on their website do they describe exactly all thats needed or what exactly is appropriate information! They said they needed patients bill showing what insurance covered I sent them the bill that says what insurance was pending and the patients balance. Their requirements arent specific on whats appropriate or not.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

jc penny/synchory bank offers a discount on line to apply for credit card.. gives a bogus number cvc tells me with out physical card I cant get discount.. yet the card will take the purchase..now they have accessed my personal info giving me credit and refusing discount w/o a card?? XX/XX/2018 on phone over an hour. I have had issues with jc penny before cancelled there card.. obviously nobody has reported them enough for it to stop
Consumer complaint received 2021-04-14
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. (NY)

I AM TIRED OF WRITING TRANSUNION, XXXX XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX NOTICE : Pursuant to the laws set forth below, you : EXPERIAN, XXXX, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : EXPERIAN, XXXX, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 


Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Pursuant to the laws set forth ; I DID NOT GIVE YOU : EXPERIAN, XXXX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. 

I look forward to resolving these violations and hearing from you soon. 
Thank you. 

XXXX XXXX
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I received a check from XXXX XXXX on monday XX/XX/22 and did a mobile deposit to my bank Wells Fargo on Tuesday XX/XX/22. They deposited {$400.00} into my checking account and said the rest of the money {$1800.00} would be deposited on today XX/XX/22. When I checked my account this morning they had taken the {$400.00} back and I could not understand why. I called Wells Fargo this morning and they said that XXXX XXXX did not release the funds to wells fargo. I called XXXX XXXX  as well and they said that everything was clear on their end and the funds were released. Wells fargo is now holding my check until next Thursday XX/XX/XXXX. I have bills that are coming out and need my money to be released as soon as possible. I have never had this happen before and have never had an issue receiving funds in a timely manner.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My oldest Credit Card had an annual fee of {$35.00}. I called Capital One and asked if they can change my credit card to a " no annual fee '' one without closing my old account. They said " yes '', and told me that they can make this happen by doing a " change of product ''. They explained to me that not only I get to keep my old account, I get to keep my old Credit Card number as well. After a month, I checked my credit score ( report ) and they reported it as a closed account. Not only it lowered my average credit age, it also lowered my overall credit score. This practice is misleading and unacceptable.
Consumer complaint received 2018-11-04
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. (ID)

I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances
Consumer complaint received 2018-11-04
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. (NC)

I have sent many letters trying to get XXXX and Equifax to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have not.
Consumer complaint received 2023-03-22
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX