davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.
Consumer complaint received 2016-06-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Someone called me and said that I had leftover scholarship money. They had all of my prominent information. They just needed my bank account information. I just moved from XXXX to XXXX and my old bank is not local here so my dad opened an account for me with USAA. I was going to switch my banking from XXXX to USAA. But they did deposit and now my account is negative around {$4800.00}. They closed my account out but I need help finding out who these people are and where this money came from.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation (VA)

XX/XX/22 vehicle purchased through XXXX repossessed by Bridgecrest. Car purchased XX/XX/22. 

Vehicle not repossessed for non payment but because paperwork incorrectly completed at the dealership. 

Drive time the seller of the vehicle states they called and sent notices. 

Bridgecrest the finance company acting as debt collector did not. 

Spoke with several representatives from both XXXX and Bridgecrest stating contradictory information. 

Bridgecrest stated contract invalid at sale but is trying to maintain rights, XXXX wont null and void the contract because they say it is proper. 

Tried to have Bridgecrest waive the reinstatement fee because it was a XXXX paperwork error. 

They refuse and even though payment offered on XX/XX/22, same day, third party repo company states they can not release vehicle within a day. 

These companies not only have unethical and possibly illegal and unclear business practices they have now also contributed to emotional stress and lost wages.
Consumer complaint received 2016-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

I left XXXX to join XXXX and the account stopped around XXXX XXXX. XXXX claims that I owe more than just one months payment. I left the country around a few days after my acccount was closed with tmobile. Now I have three different amounts of money that I owe the collection agency when XXXX never contacted me about the final bill. At the same time I had to wait for XXXX to handle the phone fees and that took much longer than anticipated. The amounts are : {$420.00} {$480.00} {$520.00}
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TRANSUNION : THIS DISPUTE DOES NOT GIVE YOU PERMISSION OR AUTHORIZATION TO PUT ANY KIND OF EXTENDED FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT. I AM ASKING FOR VERIFICATION OF XXXX LINE ITEMS ON MY CREDIT REPORT THAT I SEE FROM A NEW UPDATED REPORT THAT I RECEIVED TODAY FROM YOU. SECTION 609 OF THE FCRA ALLOWS ME TO ASK THAT YOU AS A CREDIT BUREAU SUPPLY ME WITH PHYSICAL PROOF OF WHAT YOU ARE REPORTING IS ACCURATE, COMPLETE AND VERIFIABLE. YOU HAVE BEEN UNABLE TO DO SO WITHIN A 30 DAY PERIOD SO NOW I MUST FILE THIS COMPLAINT. THE FOLLOWING ARE TO BE REMOVED IMMEDIATELY AS THEY DO NOT MEET FCRA GUIDELINES. 

1. XXXX. THIS AGENCY IS TELLING ME THAT THE RENTAL LEASE FOR XXXX XXXX IS UNDER XXXX XXXX NAME BUT YET YOU ARE REPORTING IT ON MY CREDIT REPORT. IF YOU HAD THE ORIGINAL CONTRACT AS YOU ARE SUPPOSED TO YOU WOULD SEE THIS. I AM DEMANDING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS YOU DO NOT HAVE SUFFICIENT PROOF THAT THIS IS A LEGIT ACCOUNT LINKED TO ME. 

2. XXXX. YOU ARE REPORTING THAT I WAS DELINQUENT ON THIS ACCOUNT XX/XX/2011. THIS INFORMATION IS INCORRECT. THIS PARTICULAR ACCOUNT HAS BEEN IN A FORBEARANCE STATUS FOR YEARS. YOU ARE TO SHOW SUFFICIENT PROOF THAT I WAS INDEED LATE. IF YOU ARE UNABLE TO SUPPLY ME WITH PHYSICAL PROOF I AM REQUESTING, NO DEMANDING THAT THIS ACCOUNT REFLECT AN OK STATUS FOR EACH AND EVERY MONTH THAT YOU HAVE LISTED. YOU ARE INCORRECT THAT I WAS EVER LATE ON THIS LOAN WITH THE FEDERAL GOVERNMENT. SIMPLY SAYING YOU HAVE VERIFIED BOTH OF THESE ACCOUNTS DOES NOT MEET FCRA GUIDELINES.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing the following items on my Transunion consumer report under the basis that Transunion did not follow the permissible purpose law under the FCRA. 
Accounts : XXXX. XXXX 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 inquiries : XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX " ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. '' According to this definition Transunion is a consumer reporting agency because you have assembled and furnished my credit information. Seeing as how you are defined as a consumer reporting agency you are subject to following FCRA guidelines which includes permissible purpose. 

" 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 instructions of the consumer to whom it relates '' If you can not provide me proof of my written instructions giving you permission to furnish each of the following 25 items I mentioned in the beginning of this letter then I request that you delete the accounts and inquiries immediately. 

15 U.S. Code 1681n - Civil liability for willful noncompliance says that : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} According to the Civil liability section of the FCRA it says that I am entitled up to {$1000.00} per violation, If you can not prove that your agency had permissible purpose then I would like a settlement of {$25000.00}. ( {$1000.00} per violation for the 25 items i disputed )
Consumer complaint received 2024-03-16
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

Dear CFPB, I hope this email finds you well. I am writing to urgently address an ongoing issue concerning my recent order of a XXXX XXXX XXXX from the XXXX XXXX. 

On XX/XX/XXXX, I made a purchase of a XXXX XXXX XXXX totaling {$920.00}, inclusive of taxes and fees. During the checkout process, I specifically selected the " Signature Confirmation '' option with the courier to ensure secure delivery, as indicated on my order confirmation. 

However, on XX/XX/XXXX, the scheduled delivery date, my package failed to arrive, and to my dismay, no signature was obtained as per the selected delivery option. Despite my persistent efforts to resolve this matter with both XXXX XXXX and XXXX, a satisfactory resolution has remained elusive. 

Of utmost concern is the fact that XXXX, despite being repeatedly contacted, has been unable to provide any proof of a signature for the delivery, despite its critical importance in this situation. Despite their standard practice of providing photographic evidence of delivered packages and obtaining signatures as proof of delivery, the documentation for this specific delivery only states that the package was " Left at Front Door, '' devoid of any photographic or signature evidence. 

Furthermore, I have made numerous attempts to address this issue with Syncrony Bank, the provider of the store card for my XXXX purchases. Regrettably, my claims for reimbursement have been summarily denied on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), with each response failing to acknowledge the necessity of concrete proof of delivery, particularly a signature. 

I am reaching out to request your urgent assistance in resolving this matter. Given the circumstances outlined above, it is imperative that we obtain conclusive evidence of delivery and take appropriate measures to rectify this situation promptly. 

Please advise on the best course of action to address this issue effectively. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

XX/XX/2016 our prior mortgage company sold our mortgage to PNC Mortgage. with our first payment to the new company to begin on XXXX XXXX. PNC did not have us set up in their system so we were able to pay over the phone without any extra charge. For the XX/XX/XXXX Payment I paid on line and was charged a extra fee of {$7.00} even though in this day and age everyone pretty much pays their bills on line I do n't think we should be charged for a service in which they get they funds quicker ... that is the first issue. Here 's where the big issue starts ... for the XX/XX/XXXX payment I sent in a check with the coupon from the book they sent us. I made my check for the amt. they had on the XX/XX/XXXX coupon only to be told that we did not submit the correct amount that we still owed {$81.00} more even though that 's not the amt. on the coupon. They called and said they were holding our funds but cashed our check. After speaking with a supervisor who did a escrow analysis on our account we were told that we only owed {$24.00} and received a confirmation number that we paid the extra funds. We were told that a new coupons with the additional {$24.00} each month would be sent with the corrected amt. We now received a letter saying that we owe an additional amount of {$56.00}. Just prior to the sell of our Mortgage we made a payment of {$500.00} to our escrow to make sure it would not be short and to keep our payments the same or less. Also the PMI came off during this time, plus we lowered our homeowners ins. We have never been late or short during the 13 yrs. that we have had our mortgage, if anything we overpay when we can to help pay it off sooner. PNC keeps changing the amount which is causing us to look late when in fact we are not. We feel PNC is purposely causing this issue by not having their books straight. We have never experienced this with any of the other companies that have purchased our account in the past. We feel that they are tacking on additional funds that are not suppose to be there. Please help us resolve this issue. We have no idea as to what we are to pay in XX/XX/XXXX.
Consumer complaint received 2015-10-24
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (CA)

Our VA mortgage is financed thru Freedom Mortgage, they called and said they wanted to reduce our mtg. by XXXX % - just because ... he said they would send electronic documents to sign. I told him I wanted full disclosure he said no problem. When I review the e-docs I did not like what they said, did not sign and sent an email we were not interested. I have sent XXXX emails telling them we are not interested. This morning I got email that said " congratulations on you loan application, now sign these additional docs ''. We never signed anything, electronic or otherwise. I have emailed them again and still they are saying we need to submit additional docs to " lock in our rate ''. We do not want this, they are our current VA Mortgage servicer, I am now afraid of them and do not trust them. What can I do?
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (MA)

I OFTEN PAY MY MORTGAGE AT THE LAST DAY OF THE GRACE PERIOD, E.G., ON THE XXXX OF THE MONTH. I DEPOSIT THE CHECK WITH A TELLER AT XXXX OF THE BRANCHES. 
THE TELLER GIVES ME A DEPOSIT RECEIPT THAT HAS RECORDED A LATER DATE, SAY THE XXXX OF THE MONTH. 
I THEN SAY THAT IS WRONG AND ASK THAT THE TELLER TO INITIAL THE DEPOSIT SLIP WITH THE DAY DEPOSITED, AGAIN THE XXXX. 
I THEN WIND UP WITH A LATE FEE AS MY DEPOSIT IS RECORDED AT THE CENTRAL OFFICE AS LATE, WHEN IN FACT IT WAS ON TIME. 

A. IS THIS LEGAL B. DO I OWE A LATE FEE C. WAS THIS SETTLED YEARS AGO WITH XXXX BANK (? ) XXXX WHICH PAID AN ENORMOUS FINE {$450.00} MIL FOR THE JUST THE SAME METHOD OF RECORDING PAYMENTS AND CHARGING ILLEGAL LATE FEES.
Consumer complaint received 2022-02-15
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. (NY)

XXXX has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. XXXX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with XXXX responded that an investigation with the furnisher has been initiated and I should wait for their response XXXX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action XXXX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( 2 ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. EXPERIAN HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX XXXX and etc.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TX)

We traded our car, and we authorize the dealership to only do wine, credit inquiry, and they did XXXX. Please remove them immediately, because now my credit went down almost XXXX points. 
The dealership says they can not do anything, and that they didnt realize, that they were trying to find us the best possible rate. They say theres nothing they can do. Im extremely upset because he took me years and years to be my credit. Please remove all the credit Hits/inquiries for an auto loan. Thank you very much.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

On XX/XX/XXXX. I contacted the original debtor XXXX. They verified the account was closed on XX/XX/XXXX. They sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX REAGED the debt which is illegal to XXXX XXXX and this date is stated on my credit report with all three credit reporting agencies. XXXX XXXX XXXX stated on XX/XX/XXXX that they received the debt on XX/XX/XXXX and that was incorrect when XXXX still had the account and it wasn't closed until XX/XX/XXXX. They clearly reaged this debt!!!!
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: Atlanticus Services Corporation (FL)

Emerge Credit Card has been charging me 29.99 % interest on a card I not used for over six years. I voluntarily closed the account and have only been paying on the balance owed. However, it seems to only have decreased by about {$2000.00} on the principal over those six years. I need to get them off my back. I am XXXX veteran on set income. Please help.
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC ()

I 've been receiving collection invoices from this company on several occasions. On  XXXX   XXXX ,    2017 I se nt certified mail denying this account belong to me, they fail to respond to this letter. Once they fail to respond I then  sent 3 certified  letters asking them to verify the debt. They refuse the debt with documented proof that the debt indeed belongs to me. They are in clear violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-05-26
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. (GA)

A computer glitch that was TransUnion 's problem - not mines - caused inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that you all help me make TransUnion stop victimizing me. As a resolution can you assist me so that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY (GA)

I was trying to make a high ticket purchase and was advised that I have a judgement fr om  XXXX  County Court/  XXXX   XXXX   XXXX   XXXX   XXXX  /Wachovia Bank. I closed a Wachovia Bank account I had back in  XXXX . To my know ledge it was in good standing. I used the checks from that to pay my rent. After moving from  XXXX  in     XXXX   I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in   XXXX   I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agenc y,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  did not contact me either. My phone number has been the same for many years. on   XXXX   XXXX   , I called Wells Fargo cus tomer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where Wachovia accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place  at Wells Fargo?
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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: UMPQUA HOLDINGS CORPORATION (GA)

FINANCIAL PACIFIC LEASING / XXXX XXXX are in direct violation of my Consumer Rights. 

FCRA prohibits any person ( individual or entity ) from reporting inaccurate, incomplete, and unverifed information to my Consumer Report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Please see attached )