davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (IL)

In accordance with the fair credit reporting act, XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX XXXXXXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-03-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

I have a Wells Fargo business checking account which is linked to my Wells Fargo Mortgage account. Wells Fargo has linked the XXXX accounts, I am able to make a mortgage payment directly from my business checking account. 

We have an auto-draft for the mortage from my wife 's Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 

I elected to pay my XXXX XXXX, XXXX using my business account. 

Wells Fargo still drafted my wife 's personal account and did not recognize the payment had been made from the business account. 

My wife had the transaction from her personal account and the overdraft fee reversed by a customer service rep after explaining what happened. 

On XXXX XXXX, XXXX the transfer of funds from the business account to the mortgage was reversed by Wells Fargo. No one from Wells Fargo reached out to inform me that this action was taken and it was only through complaining to the bank, in writing, and talking to representatives and looking at my account, that I learned the transaction was classified " incomplete '' and reversed by Wells Fargo. 

Wells Fargo subsequently deemed the payment, " late '' and entered derrogatory information into my credit history which will not be removed by the bank until XXXX. 

I am a XXXX and have the money to pay my mortgage. The XXXX XXXX payment was not a matter of missing a payment, it was a matter of a transaction being reversed by Wells Fargo.
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AZ)

I have discover credit cards for years I opened a new acct with no interest for 18 months and provided proof of verity from bank XXXX notary they told me they called bank and the notary was not there I went back to have another notary verify my identity again they rejected it for no reason
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

XXXX University XXXX XXXX has false reported to Equifax a {$5200.00} balance on my credit report when the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

I've been paying Care Credit for almost XXXX years and one time every month. I've paid over XXXX in payments and the credit line was XXXX. Today I received an email stating my contract has changed to owing over XXXX and XXXX in interest. Where's all the money I paid them? This is some kind of fraudulent activity to consumers. I never received any letters stating they would hit me with XXXX in interest. This is undermining consumers and ripping off the public They didn't make aware of this at all. So, my XXXX is in their pockets like I didn't pay anyting.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (FL)

The 3 major bureau 's never gave me complete disclosure of any debt verification, like actual proof or any signed agreement i ask for in my disputes with XXXX, Equifax and XXXX as they are to keep records on file to verify the debt. My dispute process was started on the on XXXX 2020 by certified mail and recieved on the XXXX of XXXX 2020 i feel that 3 major bureau 's never really verified any of these disputes ... just say that they did XXXX being the better of the 3 in notification.This complaint is my next step in the process of correcting these inaccurate items 6 in total on my reports.
Consumer complaint received 2016-03-10
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " Asset Acceptance , llc '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you
Consumer complaint received 2015-10-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding placed a judgement on my credit report for a credit card debt that had nothing to do with them. I owed XXXX XXXX and apparently they purchased the debt and proceeded to harass me. I have a medical condition with proof and I told this company about this issue. This debt is since XX/XX/XXXX/XX/XX/XXXX and they are still harassing me to pay way more than I owe. I never received a summons but when I checked my credit report, there is a judgment placed. I called Midland Funding and asked them about it. they stated that they did not put this on my credit. Can you contact this company to find out why I have a judgement on my credit report and I am being hindered from getting medical attention because of this. I appreciate you investigating if this is legal for an unsecured credit card and the debt is so old. Thank you.
Consumer complaint received 2015-03-25
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc (FL)

Call cell phone several times with threats I will be arrested if I do n't call this number to speak with attorney general to stop the process. We have your social security number and they also send these threats on my XXXX XXXX School XXXX e-mail. I have legal insurance and spoke to a lawyer who gave me the web site to make a complaint because this fraud.
Consumer complaint received 2022-02-08
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. (TX)

XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO EXPERIAN, XXXX, AND XXXX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.
Consumer complaint received 2022-02-08
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. (NY)

hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.
Consumer complaint received 2021-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

United wholesale mortgage XXXX Loan # XXXX Property # XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX Just refind XXXX XXXX ever since then we have had problems with this company. 
I have called many times always getting a new person, and upon completion of our conversation all issues are resolved, then I get letter stating I'm a payment behind, after sending canceled checks that have cleared my account, so I started paying over the phone, last payment I made paid XX/XX/2021 and received a letter from them stated I was late on my payment, my bank statement shows it paid on the XX/XX/2021. 
Please I need assistance from you. 
XXXX XXXX XXXX XXXX cell
Consumer complaint received 2015-07-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (TX)

XXXX XXXX, XXXX, I purchased a XXXX XXXX from XXXX XXXX located in XXXX, Texas. The initial loan was financed through AmeriCredit XXXX XXXX. The loan was acquired by GM Financial. I contacted a representative on XXXX XXXX, XXXX and requested a printout of my payment history. Upon reviewing the documents I noticed there were several months in which the finance company charged me over {$400.00} dollar in interest. My monthly car payment is {$510.00}. I called the finance company. The representative said I have a simple interest loan. I asked the representative is it legal to charge me an exorbitant interest rate on the loan balance. In my opinion, this type of loan is equivalent to the pay day and or car title loan. I vaguely remember reading the government has passed or is contemplating passing legislation to prevent companies for preying on customers in financial distress. She said the interest is compounded daily on the unpaid loan. On XXXX occasions I encountered financial difficulties and deferred the loan. Unbeknownst to me they charged me XXXX the amount of interest which resulted in additional {$2400.00} in payments. I asked the representative how much I would save if I paid the loan off. My current interest rate is 10 %. She said I would not save a penny because they have already added the interest due to the type of loan. Can a finance company legally charge over {$300.00} in interest in one month? I am confident XXXX of Americans on a daily basis are paying a high interest on a simple loan due to lack of knowledge. I would not have selected this type of loan option. I relied on the expert knowledge of the loan officer. 

Example of interested paid : {$270.00} interest paid XXXX/XXXX/XXXX {$430.00} interest paid XXXX/XXXX/XXXX {$390.00} interest paid XXXX/XXXX/XXXX - I was late paying the care note {$420.00} interest paid XXXX/XXXX/XXXX - I was late paying the care noteInterest rate in XXXX to XXXX average was {$270.00} dollarsInterest rate average in XXXX was {$220.00}
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP (TX)

This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VW Credit, Inc (NC)

I received a loan from VW Credit which is a part of XXXX of XXXX for a 2015 XXXX XXXX XXXX. The vehicle is currently out for repossession and with the court preventing VW from selling any of these vehicles they are not willing to negotiate with me on the final balance. My fear is that they will take the car back and that I will still be responsible for paying the entire {$43000.00} loan amount. I have suggested that they take the car back and forgive my loan or wait until I am able to accept the VW buyback and then give them that amount and forgive the loan. I fell that this car was sold to me under deceptive and unfair trade practices by VW and VW Credit ( which is the same company ). I want to know what they will give me for the vehicle since there is no fix for it and they can not sell it.
Consumer complaint received 2023-03-16
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. (VA)

I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP (NY)

I have been leasing Honda automobiles continuously since XXXX. 

I leased a new Honda XXXX in XX/XX/XXXX, for a 3 year term. Toward the end of the 3 year term, I informed Honda that I would like to extend the lease for 6 months. Honda sent me a lease extension agreement by email in XX/XX/XXXX. Unfortunately, I did not return the signed lease agreement until this week. ( I was unable to download the attachment, as it appeared to the network filters as spam. ) I MADE ALL PAYMENTS ON TIME AND DID NOT MISS A SINGLE PAYMENT. 

Honda repossessed the vehicle on XX/XX/XXXX, claiming they did so because I did not return the lease extension they sent me. 

Under NY law, I believe I have the right to cure this defect by submitting the required, signed agreement. I did not willfully ignore the requirement to sign the extension. Honda will not budge, and they claim they will put the car up for auction and will not permit me to resume leasing the vehicle. I am facing potentially thousands of dollars of debt if the car sells at a low price at auction.

I believe that Honda is violating my rights by not permitting me to resume my lease.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I looked at my free credit reports and the addresses being reported is wrong. Completely wrong and this needs to be removed. Equifax, XXXX and XXXX are reporting addresses where I've never lived and are not my current or former addresses. This gives me concern because I don't want any fraud or information that's not mine on my credit reports. I have tried to dispute this inaccurate information with the credit bureaus on XX/XX/2020, XX/XX/2020 and XX/XX/2020 but they won't remove the inaccurate addresses which is terrible. Please help. I attached my photo ID and credit report screenshots for you to see the errors I'm talking about.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

I have a year or older account with Chase bank that is active and regularly gets $ XXXX a month in direct deposit. I received a $ XXXX check from my parents as a gift ( trusted source, I received from them in person ) which I deposited before the cut off time on XXXX at a XXXX atm connected to the chase bank branch. As of today XXXX the first {$220.00} has not been made available to me and chase will not provide a reason why. I have a XXXX day hold on the entire amount which is fine, with the exception of the first {$220.00}. They refuse to provide any additional information as to why they are not following federal ruling.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

Chargeback was initiated but bank retracted wrongfully return process started date received product that was not as described. Many attempts have been made to resolve this. It is XXXX months now XXXX third party seller has prevented me from returning in XXXX days but they have the unopened product. XXXX XXXX XXXX seller wanted nearly XXXX dollars to return which is in violation of XXXX return policy.They refused to send valid return label. XXXX kept saying they were returning my money and they have not. Synchrony paid third party from account before I even received the product. I have many documents how can I submit my documents
Consumer complaint received 2022-02-08
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. (FL)

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX XXXX ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

I have received numerous debt collection calls from Midland Credit Mgt. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX. Collection Agency blocks their name on caller id ( shows as private caller ). I located the business name by using on-line acct management tools provided by my the telephone company. I informed this company that the person they are asking for is unknown to me. I also informed them they are violating telephone consumer protection act by blocking caller ID. I then spoke with a supervisor and demanded they remove my phone number from their system and cease and desist calling the number as I am not the debtor. I continue to receive calls from this company with blocked caller ID. Last call received XX/XX/XXXX was from an abusive representative who said she did n't care that I asked not to be called and she was breaking no laws. She hung on me when I asked to speak with a supervisor.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (VA)

American Express charged my account for a product I never recieved even after XXXX disputes providing proper documentation to support my claim. The product was suppose to be shipped. I never recieved the product ordered. American Express conspired intentionally or unintentionally committing or inspiring to commit fraud with the merchant/vendor even after providing them with the shipping order. I expect the credit company American Express to properly review my documents and provide me proper resolution to resolve my dispute. The option of arbitration and discussion with their legal counsel was not provided.