davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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. (CA)

XXXX XXXX issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. XXXX XXXX also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However XXXX XXXX continues to report his credit card debt incorrectly to Experian which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue XXXX And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 

Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. XXXX XXXX has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : https : XXXX
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP (TN)

I am writing this due to non-compliance with the ( XXXX XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-08-23
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

ATTENTION DISPUTE DEPARTMENT JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Appli

cability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX
Consumer complaint received 2021-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MS)

On XX/XX/2021 I opened a Citi savings account in response of their offer to award me XXXX XXXX XXXX miles as long as I deposited at least {$50000.00} with them for at least 60 days. I have done that, but the bank has not awarded the airline miles as stated in their offer to me.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (AZ)

I was a victim of a scam that the person Impersonated Us Bank and conned me into sending him money through the XXXX ap. At the time I had no idea what XXXX is or have I ever used it. My bank refused to help me because I knowingly logged into my account to do it. The following is a copy of my FTC complaint : I was driving down the road when i got a text from what I thought was Us bank asking me if I sent {$3500.00} on a XXXX acount and I texted no. A few minutes later i got a call from what I thought was the fraud department. He asked me some questions and told me a person from Georgia tried to take {$3500.00} from my XXXX account which I never used or new about. He said we have to do something to my bank account to reverse this payment. I said call me back in an hour I will be at home. He called me back in an hour and told me I would have to enter some info into my XXXX  account to reverse this. So I did and they took out {$3500.00} out of my account and returned it the next day. Now I trusted him. He called me back the next day and said we had to work on the next one. we repeated the same process and the money was never returned. So I called the number he called me from and It went right to Us Bank so I was like well ok. Note the number listed above is the number he texted me codes Ect.. The next day he called and said we had to work on the last 2 instances. I asked him when i would get the previous amount back he said dont worry you will get it all back at a certain time today. So we repeated the same process, and when that time passed and nothing happened, I called the number he called me on and talked to someone at US Bank. He did give me a name but I cant find it. I asked for that name and no one could find him. So I explained what had happend to the lady on the phone, she repeated the scam back to me and I know I had been scamed. 
She filed the claim for me. I filed a police report with the XXXX, Az police Department. If you need more daitails, I also have screen shots of my phone to discribe what happened. It a little more complicated. XXXX XXXX police report XXXX.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OK)

On XXXX I was denied a personal loan to buy groceries due to Ally bank being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to Ally bank for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. Ally bank shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.
Consumer complaint received 2022-08-03
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. (MD)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed XXXX {$5100.00}
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-08-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CO)

I financed a XXXX XXXX XXXX through Hyundai Motor Finance in XX/XX/XXXX. The total amount financed was {$11000.00} USD. My first payment was due on XX/XX/XXXX. The minimum payment is {$190.00}. Hyundai Motor Finance refused to apply my {$150.00} in overpayments to the principal balance. After repeated attempts beginning XX/XX/XXXX, of calling Hyundai to resolve the payment application, I recognized Hyundai Motor Finances unwillingness to help and decided to refinance with another lender. 

On XX/XX/XXXX, I attained a ten-day payoff quote to close the loan I have with Hyundai Motor Finance. The amount of the quote is {$10000.00}. A check arrived on XX/XX/XXXX, for the exact payoff amount of the payoff quote at the address stated on the letter. Hyundai then inexplicitly changed the terms of my loan from 60 months to 61 months and appears to have lost my payments somewhere in their system. After I paid the payoff quote and all my monthly payments and additional payments, Hyundai Motor Finance is claiming I still owe {$160.00}. I made repeated calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to resolve the issue. Hyundai Motor Finance continues to ignore the clear and obvious evidence and refuses to acknowledge the error in their system. Each time I call, I get advised to call back in 5-7 business days, even though it has been twelve days.
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am writing a letter to you to ask that a lawsuit was filed against Mr. Cooper [ Nationstar Mortgage XXXX  XXXX Mr. Cooper ( XXXX ) XXXX on XX/XX/2021 and served on XX/XX/2021, howcome you guys are so careless that you haven't responded? ( Please see the attached lawsuit in Exhibit XXXX ), also see proof of service in Exhibit XXXX Within XXXX business day let me know why you haven't responded to the lawsuit. 
thanks
Consumer complaint received 2021-08-31
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: JPMORGAN CHASE & CO. (TX)

I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DIRECMANAGEMENT, INC. (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Ally Financial will be civilly liable under Title 15 U.S. Code 1692k if Ally Financial failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I paid my account in full, and have the receipt and proof of this account being closed. 

It is still being reported on my credit report, and I wish for it to be deleted immediately. 


Creditor : XXXXXXXX XXXX  Debt Collector : XXXX XXXX XXXX Amount : {$99.00} Account number on XXXX : XXXX
Consumer complaint received 2019-10-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I was currently XXXX overseas as a XXXX XXXX XXXX XXXX XXXX XXXX. My house loan had recently been transferred from XXXX XXXX to Flagstar Bank. I later found out there was only paper mail to my house for notification. I had been off the grid with little to no connection back home. Therefore, I did not receive any notice of the financial movement and missed consecutive payments on my mortgage ( I had auto-pay with XXXX XXXX  ). I paid in full for all the months missed as soon as I identified the problem. I contacted all credit bureaus, XXXX XXXX, and Flagstar Bank to remove the late payments on my credit report and to remove my late charge fees on my account. I had an above average credit score ( 800s ) up to this point and have always been a reliable client to any bank I have worked with.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

During COVID-19 my bank ( Wells Fargo Mortgage ) offered me the federal gov instilled and backed mortgage deferral program - forbearance. 
After 14 moths of taking advantage of this offer and to defer my mortgage payments to keep my cash during the uncertain times, I have called Wells Fargo to restart my monthly loan payments.

Though, I am ready to pay my dues, they have told me to wait 6 weeks to make my first payment again. After checking my mortgage account I found out that my principal balance has increased by $ XXXX dollars. Not knowing the reason, I called Wells Fargo again to have it explained to me. They told me on the phone that this money is for past-due principal interest in the sum of {$2200.00} a month times XXXX = $ XXXX. 

My usual mortgage amount is $ XXXX/month and I feel this charge excessive to say the least. This is not what help looks like to me. 

The bottom line here is that Wells Fargo is taking advantage of hard working Americans who are trying to meet ends needs and trying to stay afloat by providing their families a roof over their head and providing food during difficult times. 
By taking advantage of this program, I have more than doubled my monthly house payment not deferring anything during the COVID-19 times.

That is NOT RIGHT!!!!!

Much appreciation for any help with this matter.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX XXXX XXXX XX/XX/2020.
Consumer complaint received 2022-04-25
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. (CA)

To whom it may concern When I bought my vehicle 2017 for {$17000.00}. I verified my income and purchased the car with down payment. I never missed a car payment and I was wrongfully accused of not making my car payment when I had a job my checks were direct deposit and then when I retired I had my pension checks also direct deposited so I would never mis a car payment. They falsified my documents and closed my account so they took my car without any notice or any final warning to pay or loose the car. I was not notified in any way. When I finally got a new car they showed on my credit report I have not missed a car payment. They took the car when they shouldnt have. Please help return my car.
Consumer complaint received 2021-08-31
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. (IL)

XX/XX/XXXX, equifax, XX/XX/XXXXrefuse to correct info on my report even though it is paid in full. I have email confirmation
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX XXXX  was fraudently withdrawn from my checking account. They were all unauthorized tranactions. This person. Withdraw XXXX $ into their XXXX XXXX account. I filed a police report. Stating there were unauthorized transactions my first complaint to citi bank was rejected then i rifled an appeal XXXXXXXX XXXX  XXXX it was denied too!
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GFS II, LLC (TN)

I purchased a vehicle XX/XX/2021 from XXXX XXXX XXXX in XXXX, TN. My credit was ran and approved. I asked and was told they participate in the truth in lending act. I was still required to put a {$2000.00} down payment. XXXX XXXX XXXX said that Gateway financial solutions ( loan is through ) required it down even after asking/stating in regards to the truth in lending act as well as the law 15 US Code 1662b advertising of down payment and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
As I did not arrange any credit payment or installment, I would like my down payment of {$2000.00} refunded and account justified/cleared since they violated my rights. The car still currently does not run and I have been current with my car note each month regardless.