davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld Systems Inc is reporting a debt collection account with the original creditor of XXXX XXXX XXXX XXXX. I never received notification of the debt owed, nor did I receive notice of my rights to dispute.
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have an issue with New Rez Mortgage. Their customer service number is XXXX. 

My mortgage loan is held by New Rez, and the number is XXXX. 

On XXXX I made a payment of {$1800.00} and XXXX I made payment of {$1400.00}. These payments were inteded for the XXXX mortgage payment of {$2800.00}. These I was unable ot make the payment all at once due to financial hardship. The sum of these monies was placed in " unapplied payments '' and ultimately ended up being placed as payments toward the principal agains my will. I have called the company eight times ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice today on XXXX in addition to having send several written requests ) times to have the issue resolved. Two tickets were requestesd, I've escalated to mamangment three times, and each time I have been told that my request is being handled. It has not been. I am afraid of losing my home due to the issue not being resolved. I am afraid of my credit and mortgage history being impacted negatively due to their inability to correct their mistakes. I have encurred over {$500.00} in late fees that New Rez said would all be refunded because of this. Today I was assured by manager XXXX XXXX that the issue would be resolved. I do not have any faith in this promise. I need help resolving this issue as it is a great cause of stress and worry as well as a financial stress that puts my family in a position of not eating and paying bills. 

Complete and full payments have been made every month, on time since that date. 

Thank you so much for any help you can provide! 
Warmly, XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (TX)

DataVerify was used by my mortgage lender to pull a Borrower Profile Report. 

DataVerify reported that I had a foreclosure on a past home of mine on XX/XX/15. I pulled the record in question from the XXXX XXXX XXXX NY clerk and the filing in question was a deed transfer. NOT a foreclosure. 

DataVerify NEVER looked at the document to see what it was and inaccurately reported the information.
Consumer complaint received 2020-12-10
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. (CA)

Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, Transunion, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX stating the car was paid in full and my title would be mailed in which I did receive.
Consumer complaint received 2020-12-10
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: WELLS FARGO & COMPANY (SC)

scammers and identify theft applied for an online loan in Wells Fargo. 

I request an investigation, Wells Fargo first replied it's an online application does not need a physical person 's signature in XXXX. Then Wells Fargo investigated that personally applied this load in one of their Branch.
Consumer complaint received 2021-02-26
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. (MD)

Bureau 's informed me of a mortgage that I'm unaware of. They refuse to remove that, the addresses, phone numbers and other inaccuracies on my file. 
Transunion is the only bureau that granted me a freeze and fraud alert. 
XXXX  and transunion refuse to grant me a copy of my credit report. 
XXXX and XXXX refuse to comply with granting a freeze of any sort. Its clearly fraud happening and I am trying to take control of my credit.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

INTEREST ADJ - CASH ADVANCE REFUND # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX MINIMUM INTEREST CHARGE ADJ - PREV CYCLE # XXXX {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX PREV CYCLE CASH FEE # XXXX + {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX Purchase Mode NOT AVAILABLE INTEREST ADJ - PREV CYCLE CASH ADVANCE # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX ADJUSTMENT-CASH ADVANCES # XXXX + {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST ADJ - CASH ADVANCE DISPUTE # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST ADJ - CASH ADVANCE REFUND # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX CASH ADVANCE FEE {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX Purchase Mode MANUALLY ENTERED XXXX XXXX XXXX CA # XXXX {$25.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX According to XXXX anything thru XXXX is considered a cash advance so that why I was charged {$10.00}. 
This is WellsFargo response : My name is XXXX XXXX and I am a Case Manager in the Wells Fargo Executive Office. My role as a Case Manager is to research and resolve your concern. 

I received your email about the {$10.00} cash advance fee that was assessed to your credit card account number ending in XXXX. I realize your concern about the fee being assessed and I will be happy to look into this matter further for you. 

Please be advised that I have received your two follow-up emails and will be addressing all your concerns in this one email response. 

Our records show a cash advance on your XXXX statement at the same merchant in the amount of {$45.00} on XX/XX/XXXX. You were assessed a {$10.00} cash advance fee. The refund of this fee was reflected on your XXXX statement on XX/XX/XXXX. On this same statement another cash advance was made in the amount of {$25.00} on XX/XX/XXXX. A {$10.00} fee was assessed for this transaction but regretfully we were unable to refund it back to the account. 

The Merchant is XXXX XXXX Phone number : XXXX Description : Money/Transfer Merchant There's no grace period for cash advances. 

Interest charges begin to accrue on the date that the cash advance posts to your account and continues to accrue until the cash advance is paid in full. 
Today, I contacted XXXX & spoke with XXXX, ref # XXXX, who informed me that the company didnt charge a cash advance. I need to talk with my bank I called WellsFargo & spoke with XXXX, refused to give ref # or ID #
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I have an auto loan with Credit Acceptance Corporation. With XXXX being especially hard, I have reached out to the company on numerous occasion explaining that I had been furloughed and that I needed to either 1. change the due date on my account, 2. lower my payments, ( even if temporarily ) or 3. refinance. I told them that I was still working but my pay was extremely limited. Repeatedly I was told that I could not do any of the above and that my only option was to double up on payments. 
At the end of XXXX, they put the car in collection/repossession status and told me that they would collect any day. Being that I wanted to avoid this, I asked if I could sell the vehicle and settle the account. I was told no. If I were to sell the vehicle, I would have to pay the buyout with was {$19000.00} for a XXXX XXXX XXXX XXXX with XXXX. Obviously this is already a bad credit loan. And they insist they are trying to help people like me. But it seems they are extorting people like me. Nothing about this whole situation has been helpful. It is a decision that I have lived to regret and I wish there were more options for people like me to get themselves back on track. Companies like this dont help. They make the situation worse.
Consumer complaint received 2020-12-10
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. (FL)

XXXX  XXXX XXXX  I am making a formal credit dispute for my terminated leased XXXX  XXXX  XXXX. I returned my lease vehicle, and was informed my wear and tear would cover most if not all of my incidents. While I was waiting for the adjustment applying my Wear and tear coverage to what was owed {$1400.00}. This took place over several months due to Covid 19 delays which resulted in my account being turned over to collection while I waited the response. Once receiving the updated bill of {$52.00} I made prompt payment in full. The result of this delay caused my credit report to be delinquent of 90 days. I have NEVER missed a single payment during my entire lease. Please update my report at your earliest convenience.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DC)

I have a XXXX 's XXXX card with ~8 years of credit history with a limit of {$3000.00}. I also have two other credit cards with a limit of XXXX {$40000.00}. I also carry a mortgage. I made a purchase of {$130.00} on XX/XX/18 at XXXX XXXX in downtown XXXX XXXX  using my XXXX XXXX XXXX card, however apparently using the XXXX XXXX XXXX card IN a XXXX 's store does not utilize any of the XXXX XXXX, but rather utilizes a store credit account ( of which there is no choice to utilize the XXXX only, and not the store account ). 

My limit for this account is apparently {$100.00}. I rarely use the XXXX card due to the terrible customer service and previous problems with delayed autopay from XXXX XXXX, and anticipated my credit limit was {$3000.00} as with the XXXX Of course, with my {$130.00} purchase, I went over my {$100.00} limit. My credit score dropped 30 points overnight as a result. XXXX 's solution is solely to increase my credit limit above {$100.00} for this account, and had no solution for credit issues, or why my limit was {$100.00} when I have well over {$40000.00} in limits elsewhere.
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello I have 3 Inquiries that I want to dispute and get off my credit report I applied for these accounts and got denied after I was suggested by credit karma but I open my XXXX card and took out a loan on XXXX and Im thinking bank/creditors are looking at that like I might be risk but I am actually using my credit for my business and paying them back ASAP I would like to dispute Capital One XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XX/XX/XXXX off my Hard Inquiries please give me a call @ XXXX if you need any additional information!
Consumer complaint received 2021-10-17
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. (FL)

XX/XX/2021 I mailed a certified dispute letter to XXXX XXXX XXXX XXXX XXXX and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB
Consumer complaint received 2020-12-10
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. (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-04-26
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. (TN)

on XX/XX/22 XXXX XXXX XXXX contacted me about refinancing my home. They asked if they could do a credit inquiry and I objected to a " hard inquiry '' and they assured me they could and would do it as a soft inquiry instead, so I agreed to that. Please ask them for proof that I agreed to the hard inquiry rather than the soft, they don't have it because I refused the hard inquiry. 

Equifax confirmation # XXXX
Consumer complaint received 2021-10-10
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. (TN)

I have contacted Credit Bureaus/Agencies ( Equifax and XXXX ) and the Creditors ( XXXX XXXX and XXXX XXXX XXXXXXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-12-10
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. (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

see attached 15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (PA)

I refinanced my mortgage through Guaranteed Rate, XX/XX/XXXXXXXX, XXXX, GA XXXX, with the first payment made on XX/XX/2021. I paid escrows in advance for taxes at settlement as well as had escrows deducted from my XXXX mortgage payment. I receive notification from a collection agency that my school taxes had not been paid. I contacted guaranteed rate with my concerns. The agent was not helpful. I need guaranteed rate to release the escrows to pay my taxes and for them to reverse and correct and apologize for my being sent to a collection agency.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

synchrony bank created a false debt and sent it it to credit reporting I owed no money They reporting XXXX  account on my credit file which makes no sense why would they open XXXX otherccounts when he claim I didn't pay the first XXXX
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

The vehicle was unlawfully repossessed, unfortunately we didn't realize this until it was too late. They repossessed the vehicle prematurely and then sold for more than what we owed. They sent a letter stating we owed an additional XXXX dollars, when they sold the vehicle for XXXX. When you add the itemized items on the Auction sale statement they calculate out to a balance left of {$28000.00}. With our remaining balance of {$28000.00}, which is also listed on the same statement, it shows they owe us XXXX. Yet they claim it as a debt we owe them, which is incorrect. They refuse to correct this, or remove it from my report.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (SC)

The list of accounts below was violating my consumer rights to privacy and confidentiality under FCRA. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX [ only reports to XXXX ] XXXX No creditor name XXXX [ only reports to Equifax ] According to 15 U.S.C. 1681 section, 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
Reporting information that you know is inaccurate or incorrect, violates the FDCPA and Fair Credit Reporting Act.
Consumer complaint received 2021-10-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Earm LLC (FL)

The company " MAC '' has multiple people calling my phone constantly from all different phone numbers and area codes. The latest number is XXXX. They leave voicemails non stop about a payday loan that I may or may not have taken out in 2016. I'm not familiar with the company name they keep saying that I owe and they won't give me any more details except a huge amount I supposedly owe. Which if I did get a payday loan out the amount they are demanding is more than double almost triple the amount of any payday loan I have ever received. They are calling family members out of state and telling them information that would not even pertain to them and calling all hours of the day. They are threating arrest for a bad check that is incorrect because the acct is now closed so they are telling family members I have write bad checks, which is false. I have spoke to different individuals. Every time I call no matter what time I am told they are not at the phone or desk or on another call and that they will return call in 10 minutes. They do usually call back about 30 mins later. I have requested a validation report on the loan which I still have no received and have asked them to please stop calling my phone because I don't have the funds to pay for a extra debt at this time with. No income XXXX children and unemployed right now due to the pandemic.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The list of accounts below was violating my consumer rights to privacy and confidentiality under FCRA. XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX [ only reports to TransUnion ] ; No creditor name XXXX [ only reports to XXXX ] According to 15 U.S.C. 1681 section, 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
Reporting information that you know is inaccurate or incorrect, violates the FDCPA and Fair Credit Reporting Act.