davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (AL)

XXXX XX/XX/2018 I traded in phones from XXXX XXXX to XXXX  XXXX in order to switch my services to XXXX. Now, I have debt collection on my credit report that is not accurate and is in the amount of {$2100.00}. The equipment was in the hands of XXXX  as is stated XXXX XX/XX/2018 which is when I switched service providers for my wireless phone service. I have attached correspondence from XXXX and communications with the collections companies.
Consumer complaint received 2017-12-17
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. (CA)

On my new Experian report dated XX/XX/XXXX, I have an inquiry on my credit report from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, CT XXXX, and dated XX/XX/XXXX that I do not remember seeing on a report before. To the best of my knowledge, I have never done any business with XXXX XXXX XXXX at any point ever.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-07-24
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. (CA)

CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT TO BE REMOVED
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE XX/XX/XXXX- 30 DAYS LATE XX/XX/XXXX- 60 DAYS LATE XX/XX/XXXX- 90 DAYS LATE XX/XX/XXXX- 120 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-09-17
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX account 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 an account without my written instructions
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TN)

I HAVE ALREADY FILED A DISPUTE WITH XXXX, I RECEIVED A RESPONSE FROM THE ORIGINAL DEBT COLLECTOR, AND XXXX. STATING : THAT THEY VERIFIED THE ACCOUNT AS LEGALLY BELONGING TO ME. IT DOES NOT BELONG TO ME, THIS ACCOUNT WAS OPENED ONLINE WITH XXXX XX/XX/XXXX BY A TENANT LIVING IN OUR HOME AT THE TIME. A POLICE REPORT WAS EVENTUALLY FILED, AND I DISPUTED THE ACCOUNT AS MISREPRESENTATION, FRAUD, AND UNAUTHORIZED USE OF PERSONAL INFORMATION TO GAIN ACCESS TO SERVICES OR CREDIT, TO XXXX AND XXXX. 

THE COLLECTIONS COMPANY " DIVERSIFIED CONSULTANTS '' SENT ME A LETTER THE OTHER DAY XX/XX/XXXX ( THIS IS THE THIRD TIME I'M, TRYING TO REMOVE THIS FROM MY CREDIT REPORT. )!!! 

BALANCE OWED ALLEGEDLY : {$480.00}
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

The first time I call this company a lady answer the phone and I told her I wanted to settle this debt. She told me that the city of XXXX do not settle any debt. I call another time and spoke with a guy about payment options and what I can pay on a month to month based. I did made a payment towards this account for XXXX . I am disputing because I want to settle this debt and have it removed from my credit report file. On My credit the balance is showing incorrect. 

Attached will be the photos from my XXXX XXXX account about this collection. 

XX/XX/2018 payment of XXXX $
Consumer complaint received 2023-03-02
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. (IL)

I recently turned XXXX and I just got a hold of my credit report and I see a lot of items that I do not recognize. I do not know what this stuff is XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-10
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: Sunbit, Inc. (OH)

i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX accurate put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work Radiator was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2020-06-04
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. (NJ)

****Hello, My name is " XXXX XXXX '', I have been trying to correct my credit report over the past year but it seems no success. According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report. I notice that all of the name, addresses, employment information and all the hard inquiries are incorrect. There are also some derogatory accounts that are not belong to me or our association that I demand removal as they are in violation of the following applicable credit reporting laws : XXXX** 15 USC 1681623 ( a ) of FCRA/FACTA ****I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are all of name, addresses and employment information that need to be removed : **************************************************** _NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _EMPLOYMENT INFO XXXX XXXX XXXX % % % % % % % % % % % % % % % % % % % % % % % _ADDRESSES REPORTED XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ************************************* _HARD INQUIRIES *XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX **XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX _COLLECTIONS OF DEBT : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint dedicated to TransUnion regards their insincere measure actions not responding past 90 days. The data reported about me is erroneous because this is not my account. 

The XXXX XXXX, with the account number beginning with XXXX is entirely inaccurate and incomplete, and represents a very serious error in your reporting Therefore, requested disputes but after the past 90 days no response and no action at all.
Consumer complaint received 2017-12-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION (AR)

My truck was repossessed by XXXX XXXX XXXX due to my failure to make payments adequately. My dad paid the truck off in full within the time that the bank said that we could pay it off which they told us by phone was on or before XX/XX/XXXX. They gave instructions for sending a cashier 's check by XXXX XXXX and a check was sent and delivered on XX/XX/XXXX which was confirmed by the XXXX XXXX routing number and also via phone with bank employees. The first problem was they LOST the first check, so cancellation had to be made on that check which the bank said needed to be done by XX/XX/XXXX, and another cashier 's check was sent by that date. Even though we were supposed to have until XX/XX/XXXX to pay off the truck, they had already sent it to XXXX and it arrived on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). My dad XXXX XXXX and I had to drive to XXXX to pick up the truck, and we did on XX/XX/XXXX. We have been advised by phone numerous times we would receive the title and release of lien but still have not received it. We employed an attorney who was given written permission to talk to the bank on my behalf, but he has had trouble getting them to respond to his inquiries. Other expenses were incurred in getting the truck from XXXX XXXX in XXXX including travel expenses of {$540.00}, {$580.00} fees paid to XXXX XXXX in XXXX and {$36.00} XXXX XXXX fees to send a second check. Since we do not have the title we can not put a license on the truck nor sell it. We are very upset by the unprofessional operation of this bank and their lack of integrity.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

On XX/XX/2021 my mortgage company, Mr Cooper/Nation Star Mortgage, debted my bank account 3 times totaling {$3700.00} without my authorization. I have spoken to this organization multiple times with no resolution of this financial theft.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

I feel like I am being penalized or retaliated against by Wells Fargo since I had complaint about the original checking/credit account opening beginning in XX/XX/2021. As recent as XX/XX/2021, my credit monitoring alerts indicated WF  again has another checking/credit open under my identity. They closed one and attempted to open another.

In addition, the WF fraud department sent me a slew of documents dated on XX/XX/2021 to be NOTARIZED by me or they threaten to leave the accounts open and will assume it was made in good faith. Why don't they make the person who is trying to open the account notarize the application? Why do I have to pay for a notary service to stop them from opening fraudulent accounts. Keep in mind that I had already put a fraud alert and froze all of my credit reports. The letter also stated that they could not reach me by phone, but I had called them several times regarding the fraudulent accounts. 

Called them XX/XX/2021 with Claim # XXXX, other case # given XXXX and two more times after this. 

I even went into a local branch ( XXXX XXXX nmls : XXXX ) so they can verify my identity : XXXX I had filed an earlier case that was closed on XX/XX/2021 and was referred to WF Fraud department. 

Subject : Concerns received from the Consumer Financial Protection Bureau Case # XXXX Wells Fargo Case ID : XXXX, XXXX and XXXX Account ending in : XXXX I don't understand how a large financial company can even open an account without properly checking a person identity and when the identity is in question, force the victim to identify himself or they would leave the account open. It's mind boggling. 

I attached the letter from WF fraud department stating that I must notarize my identity otherwise they will assume I had authorized the credit card application. I also attached my monitoring alerts showing WF is again opening credit/checking account in my name fraudulently. This is blatant fraud and blackmailing.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH FCRA XXXX  ACCT#XXXX, IS VIOLATING MY RIGHTS

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY
15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

XXXX XXXX XXXX  ACCT#XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THIS IS NOT A DEBT
Consumer complaint received 2021-10-15
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. (TX)

On XX/XX/XXXX I disputed a charged off account from XXXX and XXXX with Experian, XXXX and XXXX XXXX due to incorrect " date of last payment '' ( XX/XX/XXXX ), charge off account balance is incorrect. They continue to report balance increases ( {$50.00} ) on a charged off / closed account. I sent written letters to the bureau to re-investigate and provide method of verification and I've received nothing but a simple " verified '' statement. I am entitled to an accurate and complete credit report. 
XXXX is reporting an incomplete and inaccurate account. I submitted an investigation dispute and received a simple " verified '' response. I requested a re-investigation of such with method of verification and, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section611, Subsection A-D, I demanded that they provide actual proof the information was verified, not a computer generated confirmation. 

1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information. 

I also wanted to know if the furnisher provided you with my SSN, address or DOB. 
All I received was a simple update of the following : Completed investigation of FCRA dispute - consumer disagrees.
Consumer complaint received 2021-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services (GA)

I contacted Mercedes Benz Financial/Credit Services shopping for car loan. I was told that a credit score of XXXX or lower, the default interest rate is 5.99 %. I knew my credit score was higher then XXXX. So I allowed the representative to pull my credit, suffering a hard credit pull. He quickly determined that I have several loans but all in good standing and my score is XXXX. He then offered me an interest of 6.25 %! This is outragous! That is prediatory lending! I couldn't believe it. I want Mercedes Benz to further look at my application and review my credit. I also want CFPB to look into this situation and determine if I was discriminated against. I think because I am a XXXX woman my credit inquiry was dismissed and disregarded. Thank you.
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Auto Finance continues to report an auto loan that is a result of identity theft. I have disputed this account and have submitted my identity theft report and they have yet to conduct a proper investigation. I'm not arguing that the account does not exist but it wasn't open by me. There's no signed contract bearing MY signature agreeing to this account. The reporting has hurt my credit rating and defamed my character.I have suffered damages because of the inaccurate reporting of this account.This is clearly violation of my rights as a consumer under the FCRA
Consumer complaint received 2018-04-06
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: JPMORGAN CHASE & CO. (NM)

I applied for a Chase Southwest Plus card, in addition to a Chase Southwest Premier card on the same day and was automatically approved in XX/XX/XXXX. A week or so later I received my card in the mail, but it was instead two premier cards. This seemed odd to me, so I called Chase to see what the issue was. After thirty or so minutes on the phone I was told that they did not know how this happened, but that there should be no issue with receiving the rewards on each of the cards. I received the first bonus in XX/XX/XXXX after I had reached the spending threshold on the first premier card. I received a letter in the mail stating that I would not receive the second bonus because I had already received it on the other premier card. I called Chase immediately, who said that I should wait and see if the points post to my account, given that this was such an unusual situation. The points did not post to my account, so I called them again on XX/XX/XXXX. I was referred to an account specialist after again telling them what happened, asking them to honor their agreement and post the points to my account. They would not budge and said that I can not receive benefits from two of the same cards. It makes absolutely no sense for me to try and have the same card and pay an annual fee twice. There is no benefit, only harm to me to do that.
Consumer complaint received 2022-09-17
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. (TX)

I have submitted multiple dispute letters to Experian to remove my Public Record that was not authorized to be reported IAW The Privacy Act of XXXX. Each time the company states the information is verified by XXXX XXXX. XXXX XXXX did not have my permission to sell any information concerning me to Experian. I submitted a letter to Experian from XXXX XXXX dated XX/XX/XXXX which shows where XXXX XXXX has removed/deleted the information from my report. Experian is refusing to remove/delete the Public Record Information .
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XXXX of XXXX and XXXX, XXXX of XXXX