davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc. (GA)

When I first purchased the XXXX XXXX in XXXX I asked the dealer for GAP insurance. My daughter totaled the vehicle XXXX. I found out that day that the dealer did not add GAP insurance as requested. The insurance company paid XXXX towards the XXXX that was still left to pay. The loan company did not apply the check right away which caused more interest to be added to the account. I called to request a reasonable settlement amount so that I can pay off the car, I have always paid on-time and have always payed over the loan amount. The balance is around 1900. They offered XXXX as a settlement. I believe that they have been excessively charging interest and intentionally did not apply the insurance check to the account immediately so that more fees could accrue. I was told that the only option was to pay the XXXX, or else the full amount which is still accruing interest. After experiencing this, I would like to have my account looked over due to believing that I have been paying more interest that is actually owed.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (OH)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2016-10-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2014 Wells Fargo bank offered {$20.00}. To open a credit card account attached to XXXX pay for the iPhone 6 's. As long as you used the card within the specified limited time, you would receive a credit to your account. I purchased some batteries with XXXX Pay within the time frame and looked for the credit. After a month or 2 checking my credit card statement and nothing being credited I contacted Wells Fargo to question what happened to the credit? They said XXXX was responsible for the payment and they were waiting for them before issuing the credit. Nothing was ever credited. Here is a link that describes the XXXX Fargo/XXXX promotion. 
XXXX
Consumer complaint received 2022-02-04
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. (CA)

I am saddened to report that Equifax, XXXX and XXXX are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXXXXXX XXXX I lodged a complaint against XXXX, Equifax, and XXXX. The reason behind this action stemmed from my individual disputes with each of these credit bureaus in XX/XX/XXXX. At that time, I had informed them that I had fallen victim to identity theft that I noticed after being released from prison. Upon reviewing my credit reports, I noticed several items that were inaccurately attributed to me. Despite submitting my police report, identity theft report, and government-issued identification to support my claim, I did not receive any response from the credit bureaus. 

As a result of their lack of communication and action, on XX/XX/XXXX, I escalated the matter by filing a complaint with you. In my complaint, I requested that the credit bureaus provide evidence of their investigation into the disputed items. I also demanded that they either remove the erroneous entries from my credit report as mandated by law ( which I referenced in my complaint ) or substantiate the validity of these accounts by presenting supporting documents such as contracts or signatures within a specified timeframe of 15 days. While some deletions were observed on my credit report subsequently, I did not receive any formal response from the credit bureaus regarding the resolution of the dispute. 

On XX/XX/XXXX, I submitted another complaint against these three companies requesting once again the deletion of the disputed items within four days or proof be provided within 15 days. Despite noticing some deletions, there was still no response, and some items remained. 

On XX/XX/XXXX, Equifax responded to the original complaint from XX/XX/XXXX. They stated that they had contacted the furnisher of each disputed item, including XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and disputed inquiries and stated that these items were verified as being mine but unlike my two prior requests and law states have not provided any proof regarding their investigation or how they were able to verify this debt. 

The lack of response on these remaining items could be a cause for concern and may require further follow-up with Equifax or the respective companies involved. Failure to do this will leave me no choice but to take legal action because they are suppose to verify each item reported prior to reporting, and I have the right to have each item validated and receive proof of each validation.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MI)

I never applied for or had knowledge of the credit card. My wife at the time opened this account using my name and social security number. I asked the bank for a copy of the original application and/or any information regarding the application of this credit card and they replied, " we can't forward you anything ''. This was back in 2020. How can anyone open a credit account in someone elses name, even if they were married at the time. The bank must have something on record if this account was opened. Their refusal to disclose information to me tells me that they were negligent on their end.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/XXXX a Mortgage contract was entered between my self and XXXX XXXX XXXX, using an XXXX conventional loan. All loan contract paperwork dated for XX/XX/XXXX have no disclosure of or state " NO '' PMI/MMI/LPMI insurance. 
XX/XX/XXXX the home was lost to foreclosure to which XXXX XXXX filed a claim to XXXX XXXX for the amount of {$50000.00}. 
After which XXXX XXXX secured a default judgment against me for just over {$56000.00}. After reviewing my mortgage documents, Truth and Lending documents and Good Faith estimates, all documents state No PMI or LPMI is attached to the loan. I have contacted XXXX and they stated that LPMI was added to the loan XXXX days after closing. According to 12 U.S.C 4905 Home owners protection act and the Truth In Lending Disclosure acts, the original contract and the collection from XXXX is illegal, however I can not find a lawyer who has any background on a mortgage company not disclosing LPMI nor adding it after closing.
Consumer complaint received 2015-09-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd. (CA)

A XXXX XXXX from XXXX XXXX at XXXX is calling and asking for a XXXX XXXX. No such person resides at this number or residence. She attempted to be deceptive in giving her phone number and I was able to capture her true phone number on my caller ID.
Consumer complaint received 2020-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MD)

I currently have federal student loan debts through Navient. During the CARES act it appears I was charged interest on two separate occasions ( {$1.00} on XX/XX/2020 and {$1.00} on XX/XX/2020 ). While I know the aforementioned amounts are very small I am confused as to why I am being charged interest and curious if there are other people Navient has charged interest to during the CARES act.
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (NY)

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX And New American funding. On my consumer report, there is a late payment and Fraudulent items on my credit report which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2019-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a 60 month loan with capital one I have never been delinquent over 30 days, in the last 2 years I have had financial hardship due to employment issues. I have been allowed 2 deferments and I recently requested a deferment, my balance on the car is {$3000.00}. I was denied a deferment with out explanation, I was told that everything was computer generated. 

I was offered an option of splitting my payment in 3 installments, however that will cause my account to be delinquent. I would like to know why I am being denied a deferred payment and if they can make arrangements so that my account is not past due or in arrears.
Consumer complaint received 2017-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hi, This complaint is in regards to the company called Coinbase. I have a registered account with them. Basically, I have moved to another country ( XXXX XXXX ) and the only way you can log into your account is by verifying it via a text message. Since I moved, my number has changed too. I have sent them at least 3 to 4 emails saying that I have changed my phone number. The issue is the only way to change your number is you need to go through an ID verification process, which I have tried numerous times to complete. However, my ID is a passport and not a simple photo ID which is all they accept. So finally the only way to change it is to contact Coinbase, which I have done several times as mentioned above. The only response I have received is automated messages and nothing else. Now, recently I was able to locate my American phone number. I have then tried to log in but everytime I try they do not send the verification code. I am 100 % sure that it is the right number as well as I never had a different U.S. number. I have sent them an email about this too but I have yet to hear back.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.
Consumer complaint received 2022-02-04
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: Mercedes Benz Financial Services (NY)

The vehicle was returned to the dealership on XX/XX/2020. The dealership had it in their possession from that date on but didn't process the lease return. It will be reflected in their records that I chacked it in on XX/XX/XXXX. After having the vehicle for over 4 months the dealership orchestrated a repossession and billed me for over {$6000.00} as if the vehicle was not returned.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

I had a credit alert from all of all credit reporting agencies ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that XXXX XXXX inserted a collection in the amount of XXXX to XXXX XXXX XXXX. On XXXX XXXX XXXX I submitted a complaint to the Consumer Financial Protection Bureau asking for Verification and Validation that this account was mine. On XXXX XXXX, XXXX they responded with the attached letter. I also received a letter in the mail from XXXX XXXX stating that enclosed was verification that the account belonged to me. The supposed verification was what looked to be an old bill. This company has failed to provide me the requested verification that this account is mine. They have not present a sign contract bearing my signature or any type of photo identification. On XXXX XXXX, XXXX I got an alert that the collection was added to my report after this company failed to comply. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt that Diversified Consultants has placed on my report.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America treated my unfairly by charging me XXXX {$35.00} overdraft fees. I had {$220.00} in my account on XX/XX/2016. I charged {$4.00}, {$84.00}, and then an automatic deduction posted for {$230.00}. They allowed my debit card to work so I believe the auto payment took place after the XXXX smaller charges. They cheated me out of {$70.00}. I believe I should be penalized for the {$230.00} charge only. I would like to receive credit for both erroneous fees. I called today, waited on hold XXXX minutes, the employee waive XXXX fee and I requested to speak with her supervisor. She placed me on hold, came back XXXX minutes later and said she would now transfer to supervisor, the phone rang XXXX times and they disconnected me.
Consumer complaint received 2020-07-10
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: CREDIT ACCEPTANCE CORPORATION (MI)

This complaint is involving Credit Acceptance, I called them regarding my payments, all payments are up to date now. They reported 30 day late payments for XXXX, XXXX and XXXX. 
My payments were late due to COVID, I expressed that to the company and they assured me they would freeze my account and there would be no marks that would report negative. 
I need this fixed on my credit report as Im getting turned down for auto refinancing and an approval for mortgage on a new home. 
I have documentation to prove this was COVID related. 
I was quarantined for 14 days and was still sick. 
I took a leave due to the fact there were several cases that were reported and I was afraid for my health
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Experian Omission of accounts or records belonging to the consumer Data and data entry errors Furnisher system or process inaccuracies Assigning a payment to the wrong account ;
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I HAVE SENT IN NUMEROUS CERTIFIED MAIL TO ALL XXXX BUREAUS IN REGARDS TO IDENTITY THEFT I SENT THEM MY IDENTITY THEFT AFFADAVIT # XXXX NOTARIZED AND STAMPED I SENT IN CONSUMER FINANCIAL PROTECTION BUREAU # XXXX