davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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: TOWNEBANK (VA)

On XX/XX/2022 I purchased a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with XXXX institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, Towne Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I noticed when I had logged into my mortgage account that the monthly mortgage amount was much higher ( {$1500.00} ) than what I had paid in the past ( {$1100.00} ).. 
When I called Customer Service, I was transferred 4 or 5 times just to get clarification on whether the mortgage amount includes property tax and insurance. I was told that it was just the insurance amount from XX/XX/XXXX. 
What is bizarre is that I had property insurance from XX/XX/XXXX till XX/XX/XXXX and then Wells Fargo decided to pay the property insurance even though I have never had an escrow account and renewed it on their own.. 
The monthly payment jumped from {$1100.00} to {$1500.00} even though the property policy I had in XXXX was $ XXXX. The math does not add up and I feel that Wells Fargo is gouging the insurance premium amount and has added it onto my mortgage amount when in reality, I have always paid for property insurance and taxes separately.. 
I think there are lot of discrepancies and fraud to get me to pay a higher amount for my mortgage over the insurance premium.. 
I have escalated this issue about the mortgage escrow account and still, nothing has been done to resolve this issue..
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Sales Inc. (GA)

On XX/XX/XXXX I signed a contract with U.S. Auto Sales/U.S. Auto Finance to purchase a XXXX XXXX XXXX ( vin number XXXX ), at the price of {$35000.00} including a finance charge of {$14000.00}, in addition to a down payment of {$2000.00}. 

I was not fully disclosed of all the facts of my contract before signing. I did not receive notice of my right to rescission upon signing such contract, nor was I disclosed of the fact that my down payment was included in my finance charge and that I was gifting my cash to them. 

Pursuant to 15 U.S.C 1635 ( a ) the creditor shall clearly and conspicuously disclose the facts of my right of recission, in addition to providing the proper forms, which was misrepresented by an exchange program by the creditor nor were any of the proper forms provided to exercise my right.
Consumer complaint received 2022-08-31
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. (IL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, XXXX and TransUnion credit bureaus initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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. (IL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, Equifax and XXXX credit bureaus initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On multiple occasions I noticed transunion and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. Transunion in more than one case sides with the corporation disregarding proof of error.
Consumer complaint received 2018-12-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I requested verification of the following account pursuant to CRA Act, 15 U.S.C 1681g XXXX XXXX XXXX Acct # XXXX This Account was opened fraudulently and I filed a police report and XXXXXXXX XXXX XXXX Attorney Investigated and found that it was fraud and sent me a letter stating that this account would be removed permanently from my credit record.
Consumer complaint received 2023-06-24
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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that need to be cleared. review an remove all listed data to help clear my file asap.
Consumer complaint received 2022-02-24
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. (LA)

I have contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed account.
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter I HAVE ATTACHED is a formal complaint that this credit bureau has ignored my previous TWO request and failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I get no response from the credit bureau when I submit disputes.
Consumer complaint received 2018-07-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On multiple occasions I noticed XXXX and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. XXXX in more than one case sides with the corporation disregarding proof of error.
Consumer complaint received 2018-07-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX   XXXX back to the finance company. Since that time I get repeated calls from a company called XXXX XXXX to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation (TX)

I have a title loan with the OneMain Financial branch located in XXXX Texas. The loan has typically been paid through ACH debit initiated by XXXX. On XX/XX/2022, while reviewing my bank account, I discovered that XXXX had taken a second ACH Debit from my account in the amount of {$550.00}. I immediately reached out to XXXX XXXX where my account is located. XXXX XXXX was able to see the fraudulent ACH Debit and noticed that the debit was made in the name of XXXX XXXX XXXX whom I do not know. The only way to stop XXXX from making further fraudulent debits was to close my checking account of more than 30 years and open a new one. This has led to countless hours setting up the connections with all of the other vendors I use. I reached out to XXXX on Saturday, XX/XX/2022 but the support line was unwilling to help as the branch was closed. I finally was able to connect to a representative at the branch named XXXX XXXX in order to get them to reverse the fraudulent ACH Debit. 
He has refused to help reverse the ACH debit unless I show them a screenshot of my bank account with all of my information on it and the current balance. This has been now been going on for several days and XXXX XXXX refuses to give me contact information for anyone other than himself. I am stuck and they still have my stolen {$550.00}
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NE)

Called Experian on XX/XX/22 to dispute unrecognized hard inquires on my account. The representative was very deceitful making up random laws to justify unknown inquiries and when asked that I be provided with my credit files and sources that verify that the inquires were infact accurate and valid the representative hung up on me.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXXXXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX andFederal Trade Commission ).
Consumer complaint received 2022-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

I have been paying a late fee to navient for almost 3 years. I recently emailed them about it because I didn't understand why I was getting a late fee when I wasn't late. I was told in XX/XX/2019 I was late and in XXXX of 2019 I was granted forbearance. They just never removed the late fee. The late fee is XXXX a Month and when I do the quick pay option it takes out the money for the late fee. Otherwise I have to allocate my payment per loan with navient.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (LA)

My wife received a voice mail from " XXXX '' at " XXXX and XXXX '' that said she was reaching out on a notice of intent to advise me of a pending legal matter that her number was listed in the file to relay information to. She gave a toll free number and a reference number and said to call them or the office will " move forward without his participation or acknowledgement. '' So I called the number and spoke to a lady there and she claimed a lender ( Chase ) was going to sue me to collect some credit card debt ( I eventually got the dates of XXXX for the account period ). I was like that, if it was even legit, it was well past the statute of limitations She mentioned something about a " tolling clause '' allowed them to pursue this beyond the statute. 

She claimed a packet was sent to me in XXXX and she gave an address I hadn't lived at in a year now ( it is my mother-in-law 's address ). I spoke to her and they never got anything for me. 

I then asked to remail this information to me but she said their client only allows them to mail one time but she could email me this information. I gave my email address. She offered me a 24 hour " hold '' on legal action. I said ok.

Upon researching online, I found out that this claim she couldn't mail again but could email me is a common scam tactic used and now believe I'm being scammed. 

I did receive an email and am 100 % certain this is a scam. It claims I owe over {$8000.00} which is absurd considering never in my life did I ever have a credit card with a limit greater than {$2000.00}. 

I have this entire call recorded as well ( all of my calls are recorded with an app I have installed on my phone by default ).
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BRite Financial Services, Inc. (MI)

This account with XXXX XXXX with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2020-02-22
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is NOT a duplicate complaint. 

Scheduled the minimum payment on the credit card, even after Bank of America reneged and did not honor the Hurricane Irma waiver as promised in XX/XX/2018. The Bank of America website would not allow me to re-attempt to pay the minimum payment all week. Why would Bank of America treat a valued customer this way? Fraudulent motives by Bank of America to extract more fees and interest? Clearly this is Bank of America 's objective. Retaliation against Bank of America customers who complain about very poor customer service.

Consequently, I have been unable to pay the {$430.00} that Bank of America reneged on waiving as promised. This appears to be bias irregularities with regards to my account. Are all disadvantaged minorities treated this way by Bank of America?

This is NOT a duplicate complaint. 

XXXX XXXX
Consumer complaint received 2022-08-31
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. (NC)

The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop!

They have spammed my file over 20 times in one month.
Consumer complaint received 2022-02-24
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: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Va. At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, BB & T XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (NC)

The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! 

They have spammed my file over 20 times in one month.
Consumer complaint received 2022-08-31
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. (TX)

In accordance with the Fair Credit Reporting act 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 instruction