davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a 12-month lease on XX/XX/XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XX/XX/XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XX/XX/XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed. 
1 year later, I checked my credit report and the finance company, XXXX XXXX XXXX has recorded a charge off amount of $ XXXXwith a monthly payment of {$78.00} on my on all three credit files ( XXXX , Equifax , XXXX ). 
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XX/XX/XXXX, this company was paid a total of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided. 
Furthermore, I contacted the company in XX/XX/XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed. 
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported. 

In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. XXXX XXXX as also sent back dated emails with previous amount owed. See all attached documents. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a XXXX lease on XXXX. Once the XXXX lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed. 
1 year later, I checked my credit report and the finance company, XXXX XXXX XXXX has recorded a charge off amount of $ XXXX a monthly payment of {$78.00} on my on all three credit files XXXX XXXX XXXX XXXX XXXX Transunion XXXX. 
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided. 
Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed. 
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported. 

In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. XXXX XXXX as also sent back dated emails with previous amount owed. See all attached documents. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (PA)

I opened a secure loan purchasing a bedroom set XXXX XXXX XX/XX/XXXX '. The loan was originally held XXXX XXXX XXXX who since sold the account to Concora Credit as of XX/XX/XXXX '. Since the buy out Concora has been billing me w/o properly reconciling my account with XXXX XXXX. My Concora statement do not display what y true balance is as though the account is a 0 % promotion for 12 months. Several occasions representatives told me that i would need to call the next billing cycle ( XX/XX/XXXX ' ) in order to get the view the account payment history and for the account to be reconciled. I called in XX/XX/XXXX ' and again was told that all the information from previous lender has not yet been accounted for and i would need to call back on the next billing cycle ( XX/XX/XXXX ' ). After receiving the new statement, my statement still does not display what my true balance is. It's only displaying what my balance " would be '' if interest is applied. At that point on XX/XX/24 i called again and asked for a payoff amount. The phone system provided me a payoff that included " would be '' owed interest. The amount that was verbally provided was {$2000.00}. I requested the set amount in writing and was denied. I was then assured that once the payment was made my next billing cycle ( XX/XX/XXXX ' ) would reflect XXXX balance. However that was not the case. I called again XX/XX/24 at which point was provided a different payoff amount then what was previously stated. I again requested payment history to which they were unable to provide because they still have to reconciliate the account. At this time, I'm unable to see proper payment history through their website and when contacting them, they were unable to provide the data. Was advised that investigation can take 60 days and account would remain active during this time. As a consumer, I've had to manage this account in depth and have not been provided any data or confidence from the current lender on their management of the account. As a result, i'm now having to submit this official complaint and hope this agency can provide the proper assistance that has lacked from the lender. They should consider the account squared away and take accountability for their lack of management and false statement of this account.
Consumer complaint received 2024-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO. (GA)

Attempted to close my HELOC and provided incorrect information on numerous occasions, even after payoff amount was wire transferred to the company. Talked to 5 different individuals in their Home Equity Escalation Depr alone. I have no confidence that any information from this company is accurate ir will be acted on responsibly. This issue was a result of a Hack and I am concerned that the HELOC account may be available for fraud if it is not promptly closed
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Date:XX/XX/2017 Company : TransUnion Situation : The company supplies the free credit report without a fico or any sort of credit score. When trying to obtain a credit score, the company forces you to click on a link to " view credit score '' which they then automatically sign you into a {$19.00} per month subscription without warning or confirmation of payment. They first ask for credit card information beforehand without any information as to why ( i.e. no amount to pay shown ). Because one has been primed to supply private information for credit report, one is led to believe this is just another step to obtain a credit score.
When I noticed the charges, I had to call and cancel to get a refund. Others may not have paid attention to this and may have recurring payments to TransUnion.
The website was accessed by requesting a free credit report from : XXXX and choosing TransUnion.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (WI)

WF stated that the COVID19 FORBEARANCE PLANS WOULD NOT BE REPORTED TO CREDIT AGENCIES! NOW THIS XXXX SHOWS UP ON MY SISTERS ACCOUNT BECAUSE I TOOK THIS LOAN WHEN SHE HASNT EVEN LIVED HERE! WF BETTER CORRECT XXXX
Consumer complaint received 2017-11-13
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: Experian Information Solutions Inc. (MI)

On XX/XX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.
Consumer complaint received 2017-11-13
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. (MI)

On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.
Consumer complaint received 2017-11-13
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: ID Analytics, Inc. (OR)

On XXXX XXXX, 2017 I leased a vehicle from XXXX XXXX XXXX in XXXX Oregon. Received a letter from the lease company dated XX/XX/XXXX stating that they were unable to issue credit due in whole or part to my credit report. 

One of the credit reporting companies listed is SageStream LLC which I have never heard of, and has my score listed over 200 points lower than the other three established credit firms. 

Since I have never heard of this company, I have not attempted to contact them since personal information is needed to access my file, and I am unwilling to share such information with someone unknown.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XX/XX/XXXX I opened checking account XXXX XXXX XXXX to receive the promised {$300.00} reward in offer code XXXX. Automatic deposits of my Social Security checks took place until XX/XX/XXXX. A letter dated XX/XX/XXXX, " We deposited an incentive reward of {$300.00} to your account ending in XXXX on XX/XX/XXXX. '' The deposit of only {$210.00} was made on XX/XX/XXXX. A minimum settlement would be a deposit of {$84.00} without any late or other fees for a zero balance after XX/XX/XXXX.
Consumer complaint received 2021-02-07
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. (CA)

I tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or XXXX XXXX an Experian. I will be sending an identity theft document to the 3major bureaus.
Consumer complaint received 2017-11-13
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. (MO)

The following ALLEGATIONS of inquiries 1. XXXX XXXX XXXX 2. Spring leaf Fin Srvcs- XXXX/XXXX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX is NOT reporting COMPLIANTLY due to XXXXne of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is  clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!
Consumer complaint received 2019-03-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

i was at my XXXX XXXX for a XXXX 's conference on XX/XX/2018 when I stopped to say hello to the Tax Collector. The Tax collector informed me that my property taxes had not been paid for 2nd qtr. I stated to her that it was because I had received a letter that my mortgage had been sold to a new company and it would work it's way to you. 
The next month when I was making my mortgage payment online I decided to ask Customer service regarding my mortgage. I believe they have records of all my calls so I'm going to say this was on the 6th of the month of XXXX. They stated to me that they had made my payment. I immediately called the Tax Collector and she stated that the payment had not been made. I called back the Mortgage company and they said they would run a check with their vendor and call me or email me with the results. No one called no one email. The next month, XX/XX/XXXX, I made my payment and called the mortgage company to ask regarding the tax payment. The borough had already informed me it had not been made. They would check and return my call or email me. 
XX/XX/XXXX, The Tax collector say no and the mortgage company says yes and now my monthly payment changes again because my escrow is short. Finally after not getting off the phone I got transferred to a supervisor and they stated they would escalate the matter. I received the letter attached and waited another month with no results so I stared calling again. A supervisor called me in XXXX and stated he was handling the matter personally. I have not heard from him since.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

Account : GM Financial # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to GM Financial for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC State Bar. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from credit file.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (TX)

Quality Asset Recovery, LL sent me a collections letter on XX/XX/XXXX stating that I owed their company {$3000.00} for their XXXX XXXX XXXX. It is apparently an old lease agreement from XX/XX/XXXX. The entire management staff no longer works at the apartments and the apartment complex had no knowledge of this debt. I requested documentation concerning the debt because to my knowledge I did not owe this company any money. I received copy of the old lease with revised financial account statement. On the statement dates, payment amounts, charges, and reasons are clearly fraudulently altered. I have requested that this debt be removed from my credit report but collections activity has continued to occur. I was also informed that this account was purchased by this debt collector, it is not valid and I wanted to report the illegal activity of this company, and I would also like for this debt to be removed from My credit because I do not owe this company any money. Thank you ~XXXX  XXXX~
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Experian 's repeated rejection of valid documents is unacceptable after six months of complaints. I urge the CFPB to promptly scrutinize this case, as Experian seems to have neglected its legal duty to process my identity theft report. XXXX XXXX XXXX. Moreover, the reported bankruptcy XXXX  7-dismissed ( Ref : XXXX ) is factually inaccurate. No trial or judgment occurred, indicating a lack of validity.
Consumer complaint received 2019-10-28
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. (FL)

I have three unauthorized inquiries in my equifax report file. # 1 by XXXX XXXX onXX/XX/XXXX # 2 by XXXX XXXX XXXX onXX/XX/XXXX and # 3 by XXXX XXXX XXXX on XXXX
Consumer complaint received 2017-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have requested to transfer my IRA account from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX OH XXXX, to Citizens Bank, to be deposited into my existing IRA Savings acct. The XXXX XXXX then sent me a letter dated XX/XX/XXXX, stating that the Trustee to Trustee Transfer was completed in the amount of {$8400.00}, and that the check for said amount was mailed to Citizens Bank-Retirement Services, XXXX XXXX XXXX XXXX, XXXX RI XXXX. Again, the letter is dated XX/XX/XXXX, and today 's the XX/XX/XXXX. The money has left the XXXX XXXX yet have n't reflected on my IRA account at Citizens. My numerous phone calls to Citizens produced no results, the money is nowhere to be found. It 's been almost a week and nothing happens. It appears that Citizens have lost it. OMG
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

This company ( US Collection West ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.