davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I tried using Experian upload on their designated website to upload my documentation and they're website isn't allowing me. Ive been denied for credit due to Experian negligence and inaccurate reporting of my personal information. They haven't rectified my affairs and are willfully non complaint when im sending them documentation certified mail.
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I am interested in purchasing my XXXX leased vehicle and I feel I am being treated unfairly. 
I leased my XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX for a 36 month term. My Lease Agreement has a purchase option at the end of the lease term in the amount of {$22000.00} and a Purchase Option Fee of {$300.00} as stated in Section 6. Important Terms, of the Lease Agreement Details in Section 15 of the Lease Agreement further outline the terms of the Purchase Option as follows : You have the option to purchase this Vehicle AS IS from the originating dealer, or other location we specify, in case for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}. I understand that there will be other official fees such as Taxes and Registration etc. but on XX/XX/XXXX, my husband and I visited XXXX XXXX to Purchase my Vehicle. We met with the Finance Manager.

He presented us with a Purchase Option price of {$25000.00} not including official fees and taxes ( if applicable ) total buy out including taxes was quoted at {$28000.00}. When we told him that the Purchase Option price did not seem right, he angrily said This is NOT NEGOTIABLE and if you do not like it, you can leave now. We asked for a breakdown of the Purchase Option price. He gave us the following : {$22000.00} Purchase Option price {$300.00} - Buy Out Fee {$490.00} Early Termination Fee {$1900.00} Dealer Fees Plus Taxes When we questioned the Dealer Fees and pointed out that this is no where on the Lease Agreement, he got angry. I asked the finance manager to show us where this fee is located in my Lease Agreement. He referred to Section 6, and Section 15 as referenced above, which does not include a dealer fee of {$1900.00}. His explanation was that everybody has the right to make a profit. This goes on his police books and he has the right to charge whatever he wants. He continued to say that he can break it down however he wants and charge me whatever he wants and if we dont like it to go somewhere else. I continued to question this section and he became irate and asked us to leave.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AR)

This unknown caller calls several times a day, and harasses me on the phone, and ask very personal questions. I need these calls to stop. The company is Midland Funding LLC account # XXXX for a credit card for XXXX. There contact phone # is XXXX.
Consumer complaint received 2021-05-22
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. (TN)

XXXX XXXX XXXX  Balance : {$1700.00} XX/XX/2020 Debt does not exist and should be removed.
Consumer complaint received 2018-01-09
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: Loan Science, LLC (NJ)

XXXX and XXXX are not updating my credit report for one negative item. XXXX and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.
Consumer complaint received 2018-01-04
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. (CO)

A series of parking tickets were accumulated by my wife through XXXX  XXXX  University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the National Consumer Assistance Plan: XXXX , should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, XXXX, and XXXX. However, all three did not apply the National Consumer Assistance Plan, and the hit to my credit was not removed.
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

I was on Forberaance for 4 months from XX/XX/XXXX to XX/XX/XXXX. I started to pay from XX/XX/XXXX. They used to tell me that after Forbearance they will reduce your interest rate and monthly payment. They chose Modification would be best for us. I did not know the FHA policy at that time. They raised the monthly payment every month. On XXXX my payment was {$2500.00} and rate was 2.875 %. Now my monthly payment is {$2700.00} and rate is XXXX. Because I still have Financial Hardship. I am using the option Covid -19 Advance Loan Modification ( must be reviewed no later XXXX XXXX. 
Covid -19 ALM is a permanent change in one or more terms of a Borrower 's Mortgage that achieves a minimum 25 percent reduction to the Borrower 's monthly Principal & Interest ( P & I ) payment that does not require Borrower contact. I am requesting 30 % reduction on my monthly payment of {$2700.00}.
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (FL)

Its has been a struggle, with this company getting my XXXX  refund back from Santander Consumer USA. XXXX  sent them a check back on XX/XX/2021. Ive been calling them around XXXX XXXX to see if they received the check. I called several different representative at this company even spoke with Managers never received a valid answer. Only XX/XX/2021 a rep informed me my check was sent out. I called back a week later the gentleman told me, he do not see a check in the amount of {$570.00} and hes not sure why the person told me that. So once I ended the call with him. I contacted XXXX to advance them of whats happen. XXXX informed me they cashed the check on XX/XX/XXXX, n gave me the check #. Rep has hung up on me when ask to speak with management ( XXXX ), also keep you on hold for 15 minutes without coming to check or give you a status on whats going on. Something need to be done with Santander Consumer USA. I still havent received nothing. Its even hard to get through once the account is paid off. This place should be closed down toooo many complaints on XXXX
Consumer complaint received 2017-09-13
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: Experian Information Solutions Inc. (MN)

It is unjust that 3 businesses can have access to such personal and potentially damaging information such as my Social Security Number, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.
Consumer complaint received 2023-03-29
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. (MI)

I am submitting this CFPB Complaint to to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. 
XXXXXXXX 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 XXXXXXXX Balance : {$290.00}. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

All of my  Capital one ac counts were included in my  DISCHARGED Chapter   XXXX  Bankruptcy in  2013  ... YET they continue to update the accounts monthly!!! By law they can not continue to update and damage credit after a  discharged bankr uptcy!
Consumer complaint received 2017-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

It is unjust that XXXX businesses can have access to such personal and potentially damaging information such as my Social Security XXXX, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX- {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.
Consumer complaint received 2018-01-09
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: JPMORGAN CHASE & CO. (GA)

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in a fraudulent inquiry with Chase/XXXX that she did not authorize XX/XX/XXXX. A previous official dispute of this item was already sent to Chase/XXXX XX/XX/XXXX and again XX/XX/XXXX however as of this date Chase/XXXX has not sent a reply which is a violation of the FCRA.
Consumer complaint received 2017-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

I was fully up to date with my HELOC with  XXXX  and was making my payments through my bank 's autopay. They sold to Shellpoint. It was hard getting through to make payments. I did not realize I fell behind with them in  XXXX  as I thought I had changed the bill pay information. I tried paying on their website and calilng but it seemed impossible during work hours. When I finally was able to get through and pay them, they somehow reported  me two months late  and made it impossible for anyone to refinance me. I then continued to make payments from thereon. I have a HELOC balloon payment as it turns out so as of  XXXX   XXXX  they would only accept full payment and began to report me late and rack up fees. They told me in  XXXX  to submit a package to do a " work out. '' The would only contact me by phone call and would not email me back to tell me if paperwork was acceptible or incomplete or in their correct format and so not until end of  XXXX  was package submitted. They have not gotten back to me with any answer and they say the do not know when or if they will do anything for me. I have no idea whether to wait for their answer or if they are trying to foreclose on me because I have good equity. I have  XXXX  children. The only hardship I have is I do not have  XXXX  but am willing to make payments. It was only because of their late reporting I could not refinance with  XXXX  or  XXXX   XXXX . They were the only ones in the way of us refinancing.  XXXX  would have refinanced us.
Consumer complaint received 2017-07-27
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. (AL)

Hello I attempted on several occasions to fix the errors on my report! I work extremely hard to pay my bills and also to keep good credit! I can not get a mortgage with XXXX XXXX because of these accounts that do not belong to me! I have submitted and am desperately seeking a resolution, please see the following accounts that do not belong to me! XXXX XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  XXXX. All of these accounts have been sent in to all three credit reporting agencies and have been notified that they are no mine! Please Remove them inorder for me to obtain my life back!
Consumer complaint received 2016-11-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (AZ)

My husband and I co-signed XXXX loans through WF when our daughter started college in 2010. We were VERY hesitant about c0-signing, but since the financial aid she was receiving was not enough to cover the cost, we felt like our hands were tied. We were assured it was relatively easy for the student to remove us once she graduated and began repayment. Here we are 6 years later, she dropped out of university, went to a XXXX college, incurring more student loans and left that without a degree. She works for minimum wage, married to a guy who refuses to work, and she has decided that she does n't " ca n't '' pay the loans. Which means WE are now paying the WF student loans we co-signed and she has no intentions of repayment. Her husband has said " let your parents pay it. '' I am a XXXX and have my own student loans that I will be re-paying until AFTER I retire. AND now I 'm stuck with her loans. I am frustrated because I feel like this system is enabling my daughter to be financially irresponsible. If she does n't pay, we have to pay or our credit is affected. We pay her loan and her credit looks great. I am aware there are thousands of other parents who are stuck paying their adult children 's education loans, further enabling this generation to be drop-outs and irresponsible. Are there any solutions? Why wo n't WF go after HER for payment, instead of forcing us to pay? Are there any programs available for parents in our situation? We know that when we co-signed we were legally agreeing to pay in the event our daughter could not, however our hands were tied. Federal financial aid said we were responsible for paying part of our daughter 's college education ( which is ridiculous - I 'm a XXXX in AZ! ), and in an effort to be supportive of her furthering her education, we felt guilted into co-signing her loan. Afterall, did n't we want our child to be a part of the American dream and help her succeed as a responsible citizen? Now I see this whole situation as a means of entitlement for this XXXX generation, and the government and financial institutions are encouraging their lack of responsibility. Why ca n't Wells Fargo go after my daughter, garnish her wages, hold her accountable? Why does the government expect parents who are making ends meet expected to pay thousands of dollars per semester for their children to go to college - especially when they are trying to repay their own student loans? There has to be a solution for this. Is there a grass-roots movement out there working to change this? Parents should not be responsible for paying their ADULT children 's educational loans. Why ca n't WF force my child to pay her debts?
Consumer complaint received 2023-01-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of XXXX of XXXX Requests were ignored by the company since XX/XX/XXXX.
Consumer complaint received 2023-02-16
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. (MI)

I acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is Equifax XXXX and XXXX XXXX did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how XXXX XXXX XXXX Equifax violated my rights
Consumer complaint received 2021-09-09
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Company is taking the Stand that benefits them - I have shown my proof and according to Capital One terms and conditions I have the right to Arbitrate .Since there is a disagreement between both parties a neutral party needs to mediate and arbitrate between the dispute, According to the Terms of Capital One I am required to set up Arbitration rather then start a civil action. Capital Once is required under their conditions as well as New York State Banking Condition Rules and Regulations that Arbitration needs to be set up before a Summons and Complaint can be started. 

Capital one is only giving half the information to avoid participating in Arbitration. I have over 4 hours of recording that took place between the merchant and Capital One as well proving my case. 

I am requesting that the CFPB instruct Capital One to reply to the Arbitration request under the rules and guidelines of theXXXX XXXX Thank you
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (NC)

Sometime in  XXXX , we were very surprised to receive a VISA credit card fr om Wells Fargo in  the mail. We did not request the card, nor did we want it. I kept the cards that were sent, but did n't know what to do about it.     Then  XXXX   XXXX ,  XXXX , we received a letter saying t hat Wells Fargo  was discontinuing t he VISA and Cash  Advance features, and that we would receive replacement cards. These non-VISA cards arrived, and I saved them as well.     As background, we signed up for  the Wells Fargo Financial National Bank Automatic Payment ser vice  XXXX   XXXX ,  XXXX  for {$6800.00}, to purchase a heating and air conditioning unit from  XXXX   XXXX    XXXX   XXXX  . At this time, they sent VISA cards which we did not request, but I ignored them and filed them away.      Wells Fargo  was helpful in resolving a disputed charge with this vendor. This account was paid in full ( I believe in 3 year s ), and we did NOT have any further contact with Wells Fargo.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

On Thursday XX/XX/2022 Columbia Debt Recovery LLC DBA Genesis phone number XXXX contacted againt my work place XXXX XXXX XXXX in XXXX WA for the second time and talked to a security guard in the control center about my personal information. XXXX  policy prohibited phone calls from collection agency or soliciting company. Also FTC considers a collection telephone call to your work place from a creditor unfair or deceptive act. The representative from this company XXXX XXXX is calling to my work place several times. I told him that STOP calling me instead use email, but he continues to do his bully job. I meet with my supervisor about these two phone calls. Next time will be a mark in my employee file. Also, I told XXXX XXXX that I work in a XXXX  XXXX  please respect the XXXX  and co-workers.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed erroneous accounts present with Equifax, XXXX, and XXXX  for many months with little response from the credit bureaus. This is a violation of the Fair Credit Reporting Act and the accounts listed in the attached letters should be deleted.