davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
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: FUTURE FINANCE COMPANY (IL)

To whom it may concern Since XX/XX/2017 we have been dealing with a company that we got financing for an auto to correctly report to the credit bureaus. 
We have gotten every excuse as to why it is not reporting, we were even told there was a letter sent to XXXX in regards to this matter but we can not get a copy of this letter either. We are in the process of getting a mortgage and the almost 3 years of credit would help out tremendously. 

We have been trying to be really patient and understanding but it seems to get us nowhere, there are two people on the loan, my son and my husband. This trade line reports just fine on my sons credit report but not my husbands. This could one mean we go from needing 3 % down instead of 10 %, a lower interest rate and possibly approval. Right now there is a lot riding on this and they dont seem to want to do anything to help the situation. 
I have already filed a complaint with the XXXX and their excuse was a problem with their program, but when I disputed that because it is reporting to one but not the other the XXXX closed the case. Our Attorney is stepping in but we are running out of time for this to be reporting. At this point XXXX XXXX needs to report this trade line A.S.A.P. As of today a manager by the name of XXXX spoke to my husband and stated that we did not want this trade line on our records even though it is reporting on my sons records that 95 % of the payments are on time. 

They claim we have disputed the trade line but if that were true and the information had been correct the trade line would not have been removed. Their failure to do anything is going to cost us more money than necessary. 
Honestly this company needs to not be allowed to provide loans, their customer service is awful and they are very hard to work with. I have copies of emails back in XXXX that they sent a letter to XXXX XXXX and now they are saying nothing was sent. Again more excuses. We need your help please. 

Thank you for your assistance in this matter
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SUN LOAN COMPANY INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SUN LOANS can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SUN LOANS reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (GA)

I have tried to close account multiple times with PayPal as I had unauthorized charges on my account. I paid some of the unauthorized charges before I noticed that someone was charging on my account. I opened a complaint and closed my account. I continue to get harassed by the company and it appears they opened another account in my name or someone has. I am so tired of calling this company and getting the run around.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NJ)

I have a business checking account with TD Bank. 

I received a new credit card as my old one was hacked. 

I called the bank to let them know that I would like my credit card linked to my online checking account so that I can view all my TD bank accounts on one website and make payments check balances etc. 

When I called the 888 number i was directed to 4 different departments and then the best part the last one told me to go back to the same department I had originally called This incompetence has got to stop as If they don't know their own systems especially when all the banks in the USA offer common online banking information there is something wrong with TD processes. This could result in the consumer being misled in future other transactions or accounts.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The 3 Credit Bureaus is reporting inaccurate information on Capital ONE BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

I was informed by my lender that this debt was on my credit report. I called the company Phoenix Financial Services LLC XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX XXXX said it was a medical bill from XX/XX/XXXX. He rattled off a medical procedure name which I have not had and could not produce documentation for the original debt and told me it would take months to get it. He kept trying to get me to say the debt was mine and I wouldn't. I keep getting tons of unknown calls which I believe to be from this company and they don't identify themselves with caller id or leave a message. I have filed a report with XXXX and with XXXX because I believe this is fraud. I have paid off all my debt as of XXXX through XXXX XXXX XXXX and do not believe this to be a valid debt. These companies need to stopped from these strong arm tactics of trying to get people to pay bills they don't owe. I have paid all medical and hospital bills for which I have been billed either through personal check or via my federal XXXX XXXX XXXX XXXX XXXX plan. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert DateXXXX Balance Amount {$37.00} Is CollectionYES Open DateXX/XX/XXXX Payment StatusUNPAID ( D ) Status DateXXXX NamePHOENIX FINANCIAL SERVICES LLC Street AddressXXXX XXXX XXXX XXXX XXXX CityXX/XX/XXXX StateIN ZipXXXX
Consumer complaint received 2017-06-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I received a check for amount of {$6000.00} from   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX  do their banking with   XXXX   XXXX  . Check was made to me (  XXXX   XXXX  ). So i signed back of check and ask my wife to deposit it, few days later i check my account and did not see a deposit posted yet so i asked my wife if she deposit the check. Finally we found out the she lost the check.     I contacted  XXXX   XXXX  ask them to stop the check and send me another check but they told me that the check has been cashed at : *Well s Fargo Bank in Arizona ( I live in Georgia ) *Cash ed o n  X/X/2016     *Routing # :  XXXX  *Seq # :  XXXX .      Teller w ho cashed the check, did not get any identification for check cashing and there is no information of who cashed the check.     I have talked to  XXXX   XXXX ,   XXXX   XXXX   and  Wells Fargo B ank several times but they have not help me so far. It is been almost 9 months and i have not helped yet. Please help me to solve this matter and get my {$6000.00} back Contact at  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX , Ga.  XXXX   XXXX
Consumer complaint received 2021-09-03
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: Collection Bureau of Fort Walton Beach, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... COLLBURFTWB ( Original Creditor : XX/XX/XXXXXXXX XXXX XXXX XXXX ... XX/XX/XXXX( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Our home was substantially destroyed by  XXXX   XXXX . We have recieved t he RREM Grant from the state of New Jersey and are currently raising our home and have had to find  other residence. In  XXXX  we were made aware of a Forbearance of Mortgage Payments  by The  New Jersey Department  of Community Affairs. We  applied for that certification. On  XXXX   XXXX  we received a Certification of Eligibility,  XXXX  - Impacted Forbearance Certification. We contacted our Ban k Wells Fargo by g oing into a local branch and speaking with their hea d officer. We also sent Wells Fargo a certified letter with the Certification letter attached. They said they would be back in touch with us in two weeks. We have never received any notification from Wells Fargo on  how to proceed. I have paid our escrow of {$1000.00} for both the month of  XXXX  and  XXXX  so our Insurance and Taxes would be covered. They now tell me that they do not apply partial payments and I am in arrears  for two months to for {$5300.00} not taking into consideration our two payments of {$1000.00} equaling {$2000.00}. I am getting threatening letters about foreclosure and I am worried about them reporting our loan as delinquent. I just spoke with the NJ Department of Banking and Insurance and they advised me that Wells Fargo is a Federal Bank and does not come under their jurisdiction and I should make the complaint with your Bureau. Wells Fargo refuses to give me any direction on this and I am afraid this will have a great impact on my cre dit standing I took so long to attain. Please advise me of what to do.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-22
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. (IL)

On XXXX XXXX, I sent by registered mail, a letter addressed to Trans Union at XXXX XXXX  XXXX, XXXX, PA XXXX. Enclosed was a letter of dispute and a XXXX ( attached ) said letter was delivered on XX/XX/XXXX, at XXXX am per XXXX  Tracking ( attached ), The reason for the dispute was that XXXX XXXX was reporting The balance of {$1900.00} which I had disputed several times in the previous months with no avail, now that I received the XXXX in XX/XX/XXXX, I thought I would re-dispute with written proof, needless to say this was not the case. On or about the XX/XX/XXXX I received from Trans Union the investigation results dated XX/XX/XXXX, ( attached ) the results read " VERIFIED AS ACCURATE AND UPDATED '' showing a balance of {$1900.00}, even though the XXXX for {$1500.00} was sent from XXXX as well as sent to Trans Unions attention. Previous disputes where where " VERIFIED '' in the same fashion and with the same end results, another issue is the date of the identifiable event on the XXXX is dated XX/XX/XXXX, nearly a year prior to my disputes and XXXX still refuses to verify the correct information to Trans Union as well a the other two ( 2 ) remaining credit reporting agencies when asked to verify. Trans Union was furnished proper documentation and refused to update with documented proof and instead relies on undocumented press of a button.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NV)

I have requested my credit report several times from all XXXX major credit bureaus, however, I have only received responses from XXXX. I have sent in all required documentation at least 3 times but I have not received any response. I understand that I am entitled to receive at least XXXX free annual credit report and that I am also entitled to receive a credit report anytime I am declined for credit and also when I add a security alert to my credit report. I have cited all XXXX reasons to XXXX and Equifax and I still have not received my credit report.
Consumer complaint received 2017-06-19
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. (MD)

I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my right s as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the cre dit being pulled without my permission.
Consumer complaint received 2022-09-07
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)

In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account XXXX ( Date claimed open XX/XX/2019 ) XXXX XXXX XXXX Account XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX ( 6 accounts ) XXXX XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX  Account Number XXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-03
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. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC. (MD)

I am reporting identity theft : I noticed someone has made attempts to open a credit card account in my name XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX  XX/XX/XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AND XXXX XXXX I will appreciate it if this complaint is forwarded to the 3 credit bureaus for these derogatory information and hard inquiries to be cleared from my account.
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (MI)

Hello Complain department Today I, am writing this complain in extremely frustrated condition, I paid my buy out quote on XX/XX/2021 to KIA Motors Finance, and since than waiting for my title, but every time I call to them, their customer tell me another story, I send hem payment on XX/XX/2021 XXXX email Odometer Statement XX/XX/2021 on email which they provided me XXXX And XXXX They were not checking their email and was keep asking me statement again and again, I sent statement many times from other email address too. 
Management, please help in this situation to get y tittle, they are making me to run here and there.

KIA Account Number XXXX Your cooperation would highly appreciate
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

I deposited a business check on Monday, XX/XX/XXXX at XXXX. After three days, the funds still had not been deposited into my account. I went to the Chase branch where I made the deposit- the teller admitted handling the deposit, but then the bank manager moved me away from the teller and into her office. She said they lost the check and are trying to find it. I have called every day since only to be told that they are working on it. The check amount was {$5.00}. This is our families main source of funding, which has caused great stress not having the funds we need to live. As of this writing, I have seen no resolve from Chase. They made a mistake, but I am the one paying the penalty. Unacceptable
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX OF XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.