davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$4500.00} written off. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1100.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1300.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$360.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-04-06
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. (LA)

XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (PA)

Ive been locked out of my account since XX/XX/XXXX and it is now XX/XX/XXXX. I opened a support request with Binance US to reinstate my account and provided answers to their initial questions. I have not heard back since XX/XX/XXXX despite following up numerous times. I can not get into my account nor can I get a response from their support team. I need to access my account data in order to file my tax return on time.
Consumer complaint received 2022-08-12
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. (NJ)

Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Porsche Financial Services, Inc. (CA)

XXXX of XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX On XX/XX/2021, I agreed to purchase a car at a price of {$63000.00} at a 5.88 % interest rate. During the signing of the contract in the finance office, the finance officer offered me a lower interest rate if I would purchase a package ( key replacement, gap insurance and Eckbond - all totaling about {$3600.00} ). Thus the payment would be lower since he said he would change the interest to 2.99 % and the payment would be same or lower. 

However, once I went home, one fact that bother me was the fact that the interest rate of 2.99 % was arbitrarily decided by the finance manger at the signing of the contract. This did not seem right. I felt that I qualified for the lower interest rate all along but this was intentionally kept from me during the negotiations, all for the purpose of selling additional package. 

Subsequent communications ( phone and email ) after I discovered that this practice of offering lower interest to sell a " package '' was illegal, the finance manager assured me that he would cancel the " package '' and that I would still receive a interest rate of 2.99 %. However, the price of the car remained the same, with the package still added. The the price of the package ( about {$3600.00} ) was not deducted when I received the first payment invoice. I have email correspondence with the finance manager that states the packages will be cancelled.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AC AutoPay LLC, Denver, CO Branch (IL)

ac autopay account was closed XX/XX/XXXX and now its seems as ac auto pay place another account on file for XX/XX/XXXX ... I have never step back in that office since XXXX of XXXX they place a. Delinquents on my account for the same balance that was owed back in XX/XX/XXXXto XX/XX/XXXX.. they made it seem like I refinance another vehicle in XX/XX/XXXXbut didnt make payments so and now their coming after me again ... .THEY HAVE NO RIGHTS TO DO THAT ..I never applied for another vehicle or finance with them please help me understand whats going with this company AC AUTO PAY
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MN)

REGARDING ORIGINAL COMPLAINT XXXX ( XX/XX/20 ). DISPUTE WAS CLOSED BUT NOT RESOLVED. FOLLOW-UP COMPLAINT XXXX ( XX/XX/20 ), NOW CLOSED BECAUSE DOVENMUEHLE ADMITTED WRONG-DOING IN WRITING - BUT STILL HAS NOT REFUNDED MY {$7900.00}. 
When we received the letter from Dovenmuehle in XXXX ( attached ) FINALLY admitting to an error, clearly stating that our loan that they transferred to XXXX XXXX XX/XX/XXXX " inadvertently '' included the erroneous second lien of {$7900.00}. They were to advise XXXX XXXX that our payoff balance was to be REDUCED by {$7900.00}. But before we received the referenced letter above, and after 8 months of fighting and getting nowhere, we had the erroroneus lien rolled into our refinance loan just to get out of our high interest mortgage while the rates were low. We refinanced on XX/XX/XXXX, a day after Dovenmuelhe wrote the letter, but that we didn't not receive until a week later. It was too late to get matters settled - and now we'll be paying interest on the nearly {$8000.00} extra on our new mortgage. 
BOTTOM LINE - Dovenmuehle received our monies last XXXX to completely satisfy our mortgage and bring us current ( I had called to get the exact amount needed ). The funds were applied incorrectly, then removed, then applied, then removed - and in the end, were never applied to our loan ( per an independent audit ). Instead an erroneous second lien in the amount of {$7900.00} was created. 
RESOLUTION - Dovenmuehle MUST refund the {$7900.00} to us! That doesn't even include the 8 months of higher interest paid with them delaying our refinance because of their error! And the additional YEAR of interest had that money been put back into my IRA from where it came! 
We've tried REPEATEDLY for more than a YEAR to settle this matter with Dovenmuehle, and still it remains- they STILL have my {$7900.00} that was never applied to my loan.
Consumer complaint received 2023-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: The LGM Co., Inc. (OH)

Im a XXXX XXXX XXXX woman and I purchased a XXXX XXXX XXXX  in XXXX of XXXX from XXXX XXXX XXXX and it was financed by LGM FINANCE COMPANY. They charged me over {$8000.00} and the finance charge was 24.99 % .. the total cost was {$11000.00} and some change. 
I've paid over {$16000.00}, and they said that I still owe over {$1400.00} + a daily interest rate. 
I don't know when I will get a final payment, or anything. 
Everytime I make a payment, the balance goes up. 
Please help me.
Consumer complaint received 2022-08-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

add : XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga XXXX are violating the Fair Debt Collection Practices As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). 

I would Like to file a complaint against XXXX XXXX XXXX XXXX XXXX for the following violating or attempting the violate the following : 1. 804. Acquisition of location information A. Not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; B. Not communicate by post card ; C. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

807. False or misleading representations : A. the character, amount, or legal status of any debt ; or 812. Furnishing certain deceptive forms A. False Misleading information on printed correspondence that entity has A+ rating with the Better Business Bureau XXXX
Consumer complaint received 2021-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Last spring after XXXXovid hit there was an offer for loan forbearance due to the pandemic. I applied but initally I did not need it until after I got furloughed then I used 3 months of the forbearance for XXXX, XXXX, and XXXX. My mortgage payments at the time were XXXX per month with XXXX being principal and interest. In XXXX I got a escrow review notice saying I owed XXXX for escrow shortage and had to pay the full amount or my mortgate payment would go up to over XXXX. I called the company and explained that I didn't think my taxes went up XXXX per year. They did another review and came back later with another escrow review giving me a refund of over XXXX and my mortgage payment was changed to about XXXX. All well and good. Then I noticed that my " unpaid second principal balance '' from the forbearance was listed as over XXXX. I believe the escrow issue was folded into my unpaid balance since the amount actually unpaid was less than XXXX assuming escrow was included, and less than XXXX if its only principal and interest. I waited awhile, until around XX/XX/2021 figuring it would get sorted out now that the escrow was fixed. It never changed so I called the company and explained and they said they would get back to me in a week, I waited a few months until XX/XX/XXXX and called again, was told again they would look into it and gave me a direct number to call back for a status. i waited a month until XX/XX/XXXX and this time I was transferred all over, explained the issue several times, no one I spoke with could even confirm if the issue was reported in their system and nobody seemed to know if anybody was even working on the issue and eventually I was put on hold and then the call was dropped. I have no faith in their customer service to do anything for me at this point so I am making this complaint.
Consumer complaint received 2021-04-06
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. (PA)

After reviewing your letter which I attached from your company, Transunion, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Transunion now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 

DSNB MACYS DISCOVERBANK Thank you.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Account was paid for and creditor sent request to delete on XXXX and Equifax has listed this account for XXXX XXXX on the report as a new account of XXXX. The same account is listed 3 times as open and unpaid.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022 I was sent XXXX to my account on XX/XX/2022 I did a transfer of that XXXX to be in my bank. It states it takes 3-5 minutes instant transfer. All of the sudden it takes 24 to 48hrs to review not even get the money to be reviewed
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

The Fair Credit Reporting Act was meant by Congress to require that credit reporting agencies adopt reasonable procedures to ensure the accurate reporting of data with regards to credit reporting. On the three credit reports from XXXX, XXXX, and XXXX, the date of last payment regarding this Capital One account is different. On XXXX the date of last payment is shown as XX/XX/2015, on XXXX the date of last payment is shown as XX/XX/2015, and on XXXX no such date is even listed. So there are inconsistencies among all three credit reports which goes against the FCRAs stated purpose. Please ensure the furnisher of such information, Capital One demonstrates the correct date and ensures its on the reporting of all three accounts, or delete the reporting of the account entirely.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc. (CA)

On XX/XX/year>, I asked, the U.S. Department of Education to no longer sell my personal information. I, the consumer, have suffered harm and injury due to these companies selling my private consumer information. These companies make claims to protect their consumers, at the same time all of their recent XXXX annual reporting ( under risk ) mention clear violations of U.S. Code title 15, including ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( d ) Limitations on the sharing of account number information for marketing purposes. A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 
15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I have sent the companies in the mail, documentation stating, " Per the FCRA, as a federally protected consumer, I am now opting out of any and all obligations, written, unwritten, verbal and nonverbal per 15 USC 6802. '' None of the companies have responded via mail and continue to sell my private information without my consent.
Consumer complaint received 2023-01-11
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-21
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: CASHCALL, INC. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!
Consumer complaint received 2020-11-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Experian having not fix the problem I was victim of identity theft if they can't provide identification card social security then someone use. My name not making my credit report no better
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company (FL)

I paid off my partners  loan by wiring {$160000.00} on XX/XX/2024 to Freedom Mortgage Company. He passed away over 2 years ago and because I was not on the Mortgage so they would never speak to me. I was named his legal representative in his will and my name is on the deed. They force place hommeowners insuance on me even though i already had insurance on the property They refused to accepts it because it was not in my partners name. I was told by an agent that they received my wire transfer and that I overpaid. Also they have not allocated the funds to the payoff. I'm still receiving bills in my partners name with late charges not added. I've now had 3 unallocated payments to this company with late charges added because of this forced placed insurance even though the loan in completely paid off.