davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMO Bank, N.A. (MO)

On XX/XX/2022 I submitted a complaint to XXXX XXXX XXXX BMO Harris was harassing my dad with phone calls due to my debt. I had to tried to call in to resolve the issue and the phone reps were no help. I requested them to stop calling my dad over the phone. I worked with a representative to make payments on my card which did leave my account although BMO Harris didnt modify my credit report to show that. When my payments bounced I was unable to pay and now they keep calling my dad again. This is unacceptable harassment of my family and needs to stop
Consumer complaint received 2022-08-15
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. (GA)

1. XXXX XXXX : XXXX XXXX. XXXX. XXXX My rights have been violated numerous of times. 
The credit bureaus violated my given rights under 15 USC.1681 According to 15 U.S.C 1681 section 602 A. states I have a right to privacy.

According to 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 According to 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 2022-02-09
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. (IL)

After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

In XXXX I took out a mortgage loan with XXXX XXXX Mortgage XXXX for the amount of {$330000.00}. On XXXX/XXXX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX Mortgage XXXX to XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. On XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX started a foreclosure action against me for the amount of {$340000.00}, which is {$4900.00} more from my original mortgage. How does that make sense, when I had paid about {$100000.00}. Also, even though XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage Investor XXXX, XXXX XXXX named as the plaintiff in my case why am I not receiving my mortgage statements from them but rather from Citi Mortgage. I have tried fixing the problem, and the response I get from the bank is that the investor does n't participate in loan modifications. How am I going to save my home if they are not even giving me a chance. It seems like they do n't care if I pay them back or not, they just want me out of my home. I am victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

Last XX/XX/2017, I applied for American Express XXXX credit card while there is a promotion of XXXX points can be earned ; XXXX initially after {$2000.00} spend and XXXX additional extra {$1000.00}. After my {$3000.00} spend, I was waiting for the additional XXXX which never deposited to my account. I contracted the American Express Service Department numerous time back XX/XX/XXXX and again in XX/XX/XXXX since they need a time to investigate the matter. Last time I talked to  service department. They just told me they just can't honor the promotion since it was never linked to my account.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX XXXX and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Horizon Financial Management (VA)

I had a XXXX XXXX and was billed for an amount of {$300.00} after my insurance deduction. I was unable to pay this amount to the original creditor ( XXXX XXXX XXXX ) and therefore was sent to collection. In XXXX XXXX, I paid off this amount to the collection Agency ( Horizon Financial ) through my bank, XXXX XXXX XXXX XXXX, and I requested my husband to follow up with the collection Agency to make sure they take away the derogatory remarks on my credit report and close the account. He spoke with a lady called XXXX at Horizon Financial who assured us that this will be done. 
However, 8months down the line, the negative reporting is still on my credit report and when my husband called on XXXX XXXX, XXXX at XXXX ET, he spoke with the same XXXX who says that, although the account has been paid, the derogatory remarks will still be there. Also, the account remained opened on my XXXX credit report.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian refused to honor my request to place a security freeze on your personal credit report based on the information you entered. I entered everything they asked for. I think they are purposely being difficult so I'll buy their monitoring product.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My address history is incorrect. My home address is listed as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. and XXXX XXXX XXXX is the same exact house. About 20 years ago when XXXX was set up in my county, XXXX County XXXX, the US Postal Service changed the house numbers, changing XXXX to XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX XXXX XXXX. My mother-in-law, XXXX XXXX ( deceased ), lived at XXXX XXXX XXXX, XXXX XXXX XXXX for about 20 years until sometime XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

So I recent pull my credit report through annual credit and I noticed that Toyota Motor credit is reporting an alleged late payment on my credit report for XXXX XXXX I have never been late on this account so I dont understand why Im getting hit with this erroneous error. I have already dispute this information with the 3 credit bureaus and was informed that Toyota Motor Credit is report this item. I have paid off this this car from last year and I never missed any payments. I am in the process of getting a house and because of this late payment showing on my credit report by Toyota, I can not get approved. I have never missed a payment with any of my current accounts. I pride myself for that. This late payment should be remove and updated to Paid/never late.
Consumer complaint received 2016-03-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (KY)

Credit Acceptance corporation are falsely reporting on my credit report which has been hurting my ability to purchase consumer products from other companies. My identity was stolen and used years ago with out my permission with Credit Acceptance 6 years ago. I filed a report and also notified them that I never co signed a loan. I was told that it would be taken care of but instead Credit Acceptance has been listening negative payments on my credit report for a vehicle I have never seen nor have any ownership of. Now it 's list repossessed on my credit report which makes it very difficult for me to get a fair rate on an auto loan. I request this this company send me all the original contracts that they said I signed or delete themselves from my credit reports immediately.
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

XX/XX/2021, a claim was processed from XXXX XXXX XXXX. XXXX XXXX claim # XXXX. Amount billed was {$1600.00} XXXX paid {$1500.00} and XXXX XXXX paid {$370.00} The statement shows PATIENT RESPONSIBIITY {$0.00} I keep getting letters from Credence debt collectors that we owe {$62.00}
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (PA)

Radius Global Solutions is refusing to remove a delinquency from my account even thought the balance was paid directly to whom it was owed months ago. I have completed two disputes but they refuse to admit that the balance is paid. I have contacted the original company to whom the debt was owed and they say that they have informed Radius that the balance was paid.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (AR)

Consumer Financial Protection Bureau XX/XX/XXXX Re : Ally Auto Finance I need your help. Ally Auto Finance has hidden charges in the XXXX XXXX Contracts. 

Permit me to explain. On XXXX of XX/XX/XXXX I entered into an Auto Finance Contract with Ally Auto Finance via XXXX XXXX XXXX, XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX. The interest was supposed to be 7.09 %. 

However, Ally Auto Finance has instituted some creative Finance Charges in addition to the Interest Charges. This is totally Ludicrous and highly Unethical. 

I am not paying 7.09 %, I am paying 7.09 % + a fabricated Finance Charge. The Finance Charges nor Interest Charges are disclosed in the monthly statements. Instead when you receive youre your Monthly Statement there is an area marked Last Paid which contains a column named Finance Charge. There is NO disclosure showing the Interest Paid just the Finance Charge Paid and there is NO calculation showing how that number was derived. Such as Number of Days in the Billing Cycle. ( See attached titled : Ally Interest Statement XXXX highlighted in yellow ). 

I have put together a Summary Sheet ( see the attached titled : Ally Calculated Interest XXXX ) which shows the amount charged by Ally under the column titled Ally Interest ( highlighted in yellow ). I have also included a column titled Calculated Int. ( Interest ) which represents the Interest that should have been paid based on 7.09 % APR. 

Please help me to extinguish this Unethical Business Practice and please keep me informed as to your progress. 

XXXX XXXX
Consumer complaint received 2017-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I explained to Transunion,  XXXX , and   XXXX   that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my   XXXX  ,  XXXX , and Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order Th e following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX  .   XXXX   XXXX   (   XXXX   XXXX   XXXX      )    XXXX   XXXX   (   XXXX   XXXX   XXXX      )    XXXX   XXXX   (   XXXX   XXXX   XXXX     )
Consumer complaint received 2022-02-07
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)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NY)

td bank XXXX XXXX XXXX..I 'm apply online td bank XXXX credit I'm working this bank almost 3 years I'm proof all personal information bank account documents salary documents I'm sent td personalfitloans.com and they don't accept my credit
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CT)

Equifax wrote me stated they are unable to verify my identity. All the right information except the last employer before I was unemployed since 2016 and that employer is not on the Equifax file. They state they are unable to identify but the correct information is in the system. I believe someone is trying to use my information to do something fraudulent.
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

After going into a dealership to look for a vehicle, found out later when I had my credit checked on my account with XXXX that the dealership had pulled my credit XXXX different times from XXXX. I never read nor did I ever see any agreement or paperwork showing that this was going to happen. No one went over or showed me a finance application. I now have these hard inquires on my credit that have messed up my score. I sent a certified letter to the dealership asking for the proof of my consent to pull my credit XXXX times. They sent back a response showing a print out of the salesman 's application he filled out on his computer that I never was showed. But when they sent out the application it clearly reads in their agreement statement that they are required to let me know the creditor and address of who they share my credit with. I was never presented with any of this information and have been taken advantage of. I sent back a certified response explaining the conditions, the dealership never responded back, I gave them over 30 days, now I want to take action against them. I have attached all corresponding letters with the dispute.
Consumer complaint received 2022-08-15
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. (VA)

Someone stole my identity a long time ago opened a few accounts which went to collections. The account XXXX XXXX XXXX isnt mine nor do I know who it is. 

The last four of my SSN is XXXX.
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (CA)

I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I am formally notifying your company that if the appropriate steps to rectify the inaccuracies on my credit report are not taken immediately, you will be in violation of federal law. Upon contacting the banks, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb. You are required by law to respond to me within 15 ( FIFTEEN ) days, and failure to do so will result in serious consequences, including potential fines of up to {$1000.00}. Upon con Please provide me with detailed procedures taken when obtaining the investigation results for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (TX)

My father in law purchased a bunch of gift cards at once. This was a Visa Vanilla gift cared. All of them had {$50.00} on it but one, the one he purchased for my daughter. I called to get the issue fixed and get reissued another card. I had no problems getting ahold of someone at first. I sent them all of the information they requested. That was sent on XX/XX/XXXX. I was given the case # XXXX. I tried emailing to touch base on XX/XX/XXXX, XXXX XXXX ( from my work email ), XX/XX/XXXX, and the last one was sent on XXXX XXXX. I have tried calling several times. Every time I called I either kept getting transferred and the call dropped or they gave me different numbers to call and the calls wouldn't go through. 
I know this is only {$50.00} but that is still a pretty substantial amount of money to just throw away. All we are wanting is a replacement gift card or just a refund for my father in law. I have all the information you should need if I need to send anything to you. I have also attached the sticky note I wrote information on regarding contact information. The email that is written on there is the one I was given to send the information to. I was told I can also email for updates if need be.
Consumer complaint received 2021-05-20
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. (UT)

The three major credit bureaus are reporting an erroneously on my account and it must be fixed immediately. I have been disputing this account for some time now and have recently received a deletion letter for the account. I sent the deletion letter to all 3 credit bureaus but every time I take a look at my credit it continues to report. The late on XXXX XXXX XXXX is inaccurate. I have attached a letter stating so. This is keeping me from being able to buy a home and needs to be resolved ASAP.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has reached out and reported an inaccurate debt to XXXX, XXXX, and Equifax. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the XXXX, XXXX, and Equifax.
Consumer complaint received 2020-10-16
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: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX XXXX. 
I am writing to complain on XX/XX/XXXXfor their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX/2020 XX/XX/2020 XXXX/XXXX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans sent me a letter that they will refund the amount of {$5000.00}. Instead i received {$4700.00}. I called customer service asking why the amount was less and they could not come up with an explanation.