davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
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. (FL)

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX, Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX  needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX SS Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (CO)

Trough Credit Karma ( creditkarma.com ) they offer a variety of services on of them it's auto loans they offered me one option XXXX XXXX XXXX which when you go to their website it say 's it's a PRE-QUALIFICATION turns out XXXX XXXX XXXX doesn't give any kinds of loans or prequalifcation they send my personal private information to a XXXX dealership here in Colorado XXXX and XXXX without even speaking to me because I never replied to them I even replied STOP to their text messages They RAN A HARD PULL CREDIT CHECK ON ME THAT I NEVER AUTHORIZED I contacted Auto Credit Express they bounce me to Auto XXXX XXXX I contacted XXXX XXXX after many calls and over 2 weeks they finally replied back to me telling me to go to XXXX  XXXX XXXX This is ILEGAL I DIDN'T Authorize it and they ran a HARD PULL I Demand this to be corrected! and propper action taken against this people Companies involved Credit Karma , XXXX XXXX XXXX and XXXX XXXX in Colorado
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have continuously submitted to my mortgage lender, Americas Servicing Company ( ASC ), documents to modify my home loan. They have continuously been asking for the same documents over and over and over again for over a year now. 
I have been through XXXX Home Preservation Specialists. 
The current XXXX is XXXX XXXX. He has not been of any help just as the XXXX prior to him. 
They have sent requests ( form XXXX ) to order my tax returns from XXXX numerous times. I have provided the information and they have still been requesting these same documents. I have even sent them copies of my tax returns. In addition, they continue to ask for my business tax returns. They have been sent copies numerous times as well. They continue to claim signatures are missing and pages of my tax returns are missing. I continue to tell them there are no pages missing and returning signed tax returns. Again, this is a repeated process that has been going on for over a YEAR! All documents are sent to them by their requested deadline and uploaded on their site. 
Everything they request has been returned timely and sent to them numerous times. I 've even had to submit the original application twice so they can by time and not service my request. 
When is it time they process my application? 
I am trying to get approved for a HAMP loan and this mortgage servicer, Americas Servicing Company, and Wells Fargo need to work with their consumers when they are in need and quit playing games. I attached only a partial paperwork I have been receiving from them for well over a year as it is so many documents they send to make it appear they are helping their customers, when in fact they are only repeatedly finding reasons to request the same documents over and over again.
Consumer complaint received 2017-12-06
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. (AZ)

XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.
Consumer complaint received 2022-08-11
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. (MD)

To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports EQUIFAX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Consumer complaint received 2022-04-01
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX XXXX Code XXXX ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-06-10
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: Experian Information Solutions Inc. (NJ)

Experian is reporting a hard inquiry from XXXX XXXX on my credit report but I never applied for any products from XXXX XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.
Consumer complaint received 2017-11-23
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. (NV)

I have sent Equifax 3 letters stating to validate and send proof of the following items : XXXX  account XXXX, XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX. They have failed to due so. Each time the letters were sent certified and were received. Also they are reporting XXXX inquires that are not mine. ( my information was breached with their systems ) XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

When making payments to my Discover credit card, I initially set up my pay account information with an account number that I received when I first open my account several years ago. Over the years that card has been canceled out to the fraud or other reasons, and anytime I make a payment to that account number the payment does not reflect on my account and I am charge late fees and interest. When I called Discover they tell me that I need to update my banking information so that way the payment is applied to the correct account, however no other credit card company operates this way.  At one point I made a payment of over $20,000 and discover did not know the payment has been received or that they had the money until I called them and inquired about it. It wasn’t until after they connected me to their fraud department and took a look at the old account number to where they realized they had been sitting on over $20,000 of my money, while charging me interest and late fees on the new account number. This particular instance happened about a year ago, but it is happened quite a few times since most recently a couple months ago. It is also happening on the current bill cycle because I called today and my payment had  not been received.I don’t think it’s fair for a bank to receive such a large payment and apply it to an account that is not being monitored. If I make it  A payment to the wrong account number I can understand they would say that’s my problem. However anytime I make a payment to a closed account and it has been converted into a new card number, XXXX, XXXX, and XXXX XXXX are all able to figure out how to apply that payment automatically to the most recent account number. I believe Discover is doing something wrong by receiving payments on closed account numbers and not doing anything about notifying the consumer that they have received the money, are in possession of it, or are applying it to their account. There needs to be checks and balances for something like this.
Consumer complaint received 2024-02-20
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. (NV)

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-03-20
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2024 I purchased XXXX {$200.00} Southwest Airline gift cards at XXXX. 
I mailed them to my nephews in California that day. They never received my letter that the cards were in. 
On the week of XX/XX/XXXX I called XXXX to get the card numbers I purchased since they were not on my receipt. They gave me the numbers then I called Southwest to see if they were used and they were not. 
I asked for them to stop payment of the card and reissue or refund my {$400.00}. They said they can not do that. I called XXXX and asked for a refund of the unused cards they said they can not do that the $ $ went to Southwest. I called Southwest again to try and get a refund of the unused cards and they refused. 
I called the weeks of XX/XX/XXXX and still the cards have not been use and still Southwest and XXXX will not refund or replace the gift cards.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XXXX XXXX XXXX I was notified that my Wire transfer of {$2000.00} was NOT returned to my bank because the name on my business did not match my name EXACTLY on my coinbase account. It is now XXXX XXXX XXXX and MY FUNDS HAVE NOT BEEN RETURNED YET! Coinbase emailed me and stated that it would be returned in the 7 days after the XX/XX/XXXX It is frustrating enough that I was n't able to add the funds to my account but to not refund me the {$2000.00} within the 7 days is completely unacceptable. I have attempted MANY times to get in contact with someone about this issue but have only been met with automated phone services and emails. I have contacted your bank for Coinbase as well as the XXXX XXXX XXXX XXXX XXXX ( wire department ), and made them aware of the situation. I have also completed all the steps that the previous email from Coinbase support has requested me to do and all that the system will allow me to do.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (CA)

I order a new XXXX XXXX XXXX  card over the phone. and was not given a tracking numbers. so I may track and locate my new XXXX XXXX XXXX card. I asked twice to different times over the phone.
Consumer complaint received 2017-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX will call before or on the due date and demand payment. If you do n't make payment over the phone they report a late payment. This happened in XX/2017.
Consumer complaint received 2016-07-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

On XXXX/XXXX/2015 I submitted a complaint against Santander Consumer USA in regards to overcharging me for an auto loan. There response was that the issue would be resolved within 60 days. It has been almost 1 year since then, and I have yet to be refunded any of the money I was overcharged.
Consumer complaint received 2024-02-20
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. (VA)

I have disputed items with Transunion multiple times and they are failing to address the merits of the dispute. Instead Transunion is simply stating the debt has been verified, which is a generic response not addressing the actual violation of Rules, Codes and Acts. This has been a months long saga with Transunion going back to XX/XX/XXXX. Transunion is causing undue pain and suffering for not complying with the Fair Credit Reporting Act. 
Transunion is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) which states consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. Utilization is included in transaction history. This was reported previously to Transunion and again the response is it has been verified instead of the actual violation of Rules Acts and Codes they should be abiding with.

In addition, Transunion is in violation of 15 USC 1681e Accuracy and Fairness of Credit Reporting due to discrepancies along with 16 CFR 433.2 Preservation of Consumers claims and defenses, unfair or deceptive acts or practices due to inaccuracies being reported. Again, Transunion has yet to address this issue.

Transunion should only be reporting based on my written consent according to 15 USC 1681b, and I have written and called Transunion to alert them of the inaccuracies and yet they refuse to address the actual issue of the item.

Charge-offs on my credit report are income to me and therefore should not be reported on the credit report.

I am opting out of certain information being reported to my consumer credit report according to12 CFR 1016.7 and 15 USC 6805 and Transunion has not complied.

Transunion is currently in violation of my privacy per the Privacy Act of 1974 and 5 USC 552a.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

My complaint is specifically with Experian. First of all it is impossible to talk to a human being, I tried several times and even tried a hack on the Internet ( pushing XXXX instead of XXXX ) and none of them work. I tried to temporarily lift a freeze on my bureau so I could apply for a loan. I tried online and it refuses to accept my User Name and Password ( I know it is correct because I wrote it down and place in my safe when I put the freeze on ). When I ask to have my user name emailed to me it accepts but I never receive the email ( requested XXXX times over the past 12 hours ). I call the " Customer Service '' number and I get a machine. The machine permanently removed the freeze instead of temporarily suspending it. I tried to fix and since it is impossible to talk to a person I was unable to do so. This company needs to be put on your hit list to fine billions of dollars like you do the banks! At least banks have a customer service department that tries to actually help their customers. Credit Bureau 's seem to think they are immune to any sort of responsibility to their customers! This has got to stop!
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Cornerstone Legal Group, LLC (CA)

XXXX of 2016 I entered into an agreement with Cornerstone legal group LLC in Florida to consolidate and negotiate three debts. As of today no communication was ever made to any of the creditors. The company has taken all funds and applied to their services. Several written requests have been made for copies of all communication regarding my creditors none has been supplied. I have now spent 3 days tracking down my creditors and have been informed No communication on my behalf has been made. We are talking 20 months with plenty of opportunity and yet their fees over 3600 have been paid to themselves,
Consumer complaint received 2017-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (NV)

Appears to not be a licensed lender for the State of Nevada but doing USPS mailings and performing high interest loans. Tried to have me use a credit/debit card for payments using a payment processor outside the USA for  a higher fee. Refused to stop an ACH withdrawal
Consumer complaint received 2021-04-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I purchased a vehicle from " XXXX XXXX XXXX XXXX '' in XXXX, Florida. The salesman lied and sold me the vehicle, and the only paperwork I signed was with the understanding that I was purchasing this vehicle for a total amount of XXXX. I then receive information from Credit Acceptance stating I owed XXXX. I have never signed or agreed to such a ridiculous amount for a 2014 XXXX XXXX ( former police vehicle stripped I might add ) close to 10 was pushing it. When I contacted the dealer, he stated not a big deal to call the credit company and refinance. I never agreed to this amount. He was very rude then, and no longer wanted to speak of it. My mother called him as well she was also met with very nasty, rude and unprofessional behavior. We then tried to explain the situation to Credit Acceptance, sent the forms we have showing the significant difference in price, and they just referred us back to the dealer stating they could send the forms, but had nothing further to do with the situation. I am not sure what transpired, but I do know that I did not electronically sign my name to XXXX. The total never came up and was never discussed. I would have never agreed to this amount. I no longer want this vehicle and know that I was scammed during the pandemic with the knowledge that resources were very limited.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (SC)

The week of XXXX XXXX I sent verification/validation to XXXX XXXX, and XXXX for the collection agency AFNI. I received a letter from XXXX around XXXX XXXX staying the debt was validated but I did n't recieve any contract or documents showing the debt was mines. I never received anything from XXXX or XXXX  but it 's showing Meets FCRA Requirements.