davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TN)

I recieve multiple phone calls in a single day from Ally Financial about a past due car payment. They call many many times and use different numbers when doing it. On XX/XX/2019 they called a total of 5 times in the span of 30 minutes ( 4 times back to back ) from number XXXX
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MN)

A credit card was opened in my name from XXXX XXXX through Comenity Banking. I sat through a timeshare program through XXXX XXXX XXXX. shortly after returning home from XXXX XXXX, I received a letter in the mail stating that my account is ready to be viewed. However, I never opened a credit card through comenity. I have yet to " set up my account '' online, as i am afraid that it will then start collecting interest on something that I didn't do/want.
Consumer complaint received 2022-06-07
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. (GA)

This company is showing that i have a late payment and i have never had a late payment with them Also this company has dropped my credit score XXXX points I have never had a late payment before in my life and need this removed immediately
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

DECLINING TRANSACTION FOR A LIMITED EDITION HAND BAG WHEN THE AVAILABLE CREDIT IS THERE AND I CALLED CUSTOMER SERVICE AND THEY CAN CARELESS! IM OFFENDED BY THIS TYPE OF HARRASMENT
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of 1974 Violations with Experian, XXXX and XXXX. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to Experian, XXXX and XXXX on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from Experian, XXXX and XXXX regarding this matter.
Consumer complaint received 2019-04-01
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)

two student loans are reporting under my name, please have these inaccuracies removed from my credit file, i have problem with equifax reporting two inaccurate and fraud student loans reporting under my name, i have dispute several times and so far nothing has happened, please have these inaccuracies removed, i have attached my police report to equifax as well and to you, these do not belong to me, please have these inaccuracies removed thank you
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

I had got a new phone number and was unable to add my new number to my account as it was associated with someone elses account, even though I had verified ownership. I was unable to access my account at all until they closed it and continue to give me generic responses about how they cant help me.
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (LA)

Hello, I agreed to pay the balance owed on my auto loan after it was in a charge off status in exchange for the negative account being removed from my credit reports. Creditor did not uphold their end of the bargain as the account is still reporting on my credit reports, which is damaging my ability to obtain new credit due to my lowered credit scores.
Consumer complaint received 2021-09-09
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. (CT)

i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX. account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 2019-02-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (MA)

I leased a XXXX XXXX XXXX in XX/XX/XXXX ( 3yr term ). In XX/XX/XXXX I terminated the lease under the Dieselgate class action settlement. As a requirement of lease termination I settled all prior and future liabilities with VW. 

On XX/XX/XXXX, I received a bill from VW Credit indicating I owe {$140.00} in excise tax. The letter is undated, but includes the threat that I will be reported to credit bureaus if I do not respond within 30 days. 

I will be following up with Volkswagen directly, but given the situation, I believe this to be fraud. There is no way that the company could be unaware of my decision to surrender the vehicle in XX/XX/XXXX. I am reporting to CFPB in case other defrauded ex-customers are receiving similar notices.
Consumer complaint received 2019-02-15
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: WELLS FARGO & COMPANY (NY)

In response to Wells Fargo 's closure to my complaint ( ref # XXXX ) I am very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. 
In a response letter dated XX/XX/XXXX, Wells Fargo has claimed that my once mortgage loan and all modification requests were handled properly. 
I vicariously disagree and have lawyer-ed up to prove the unjust handling of my then home loan and all attempts to work out this now known predatory pick-a-payment home loan via a viable loan modification. A modification that was once afforded to all pick-a -payment loan customers via a non-hardship interest rate modification option, but later was rescinded by XXXX once the finical crisis hit and when Customers needed to exercise this option the most ( have supporting documentation of MOD option ). It is my position that in XX/XX/XXXX after falling behind on my mortgage payments I requested financial relief via a loan modification, but what I was offered was yet another destructive loan agreement that XXXX called an " approved '' modification. This Modification did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate relief plan. In fact by accepting the " Modification '' the stipulation was that I forfeited my rights to pursue any legal action ( have supporting documentation ). It was at this time that XXXX, now Wells Fargo, left me with no other option other than to begin legal proceeding against XXXX/Wells, in doing so Wells dragged my suit out in court over the course of several years that when Wells finally agreed to another modification consideration in XX/XX/XXXX my financial state was not as dire as it was five years ago ... Subsequently Wells neglected to revisit my XXXX modification to see if it conformed to the mandated mod agreement of the class action pick-a-payment suit settlement. Instead Wells duped me again and applied my XX/XX/XXXX financial state as a modification qualifier and thereby rejecting my request for a loan modification and appeal. Providing no Modification or outstanding loan balance relief Wells left me with an underwater loan with the same pick-a-payment rate terms that would continue to balloon as rates continued to rise leaving me with the same destructive loan. Instead of Wells working to keep, its since outlawed, pick-a-payment loan customer and his family in their home they instead looked to drive us to our imminent financial demise and damaging credit rating via their demand of foreclosure, as again there were no payment plans being offered in lieu of foreclosure.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022 Someone made an attempt to apply and open a Target Credit Card in name. Target called me and left me a detail message. I followed up with Target and a fraudulent store card was opened in my name, without my consent. Target advise me to follow up and make a complaint on this website.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AFNI INC. (GA)

I closed my XXXX account XX/XX/2019. XXXX continued to bill me for services after that date. I had sold my house, disconnected and returned their equipment and vacated the premises. I refused to pay the charges past the date of cancellation so they've sent me to collection. I've received several notices from various collection agencies. I've responded to each one that I do not owe, nor with I pay this debt but have never received a single response. I'm responding to yet one more notice today from Afni , Inc.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (CA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights under the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX XXXX XXXX account no. is XXXX .... 
XXXX account no. is XXXX ..... 
XXXX account no. is XXXX ..... 
XXXXXXXX XXXX  account no. is XXXX .... 
XXXX account no. is XXXX... 
XXXX account no. is XXXX ..... 

delete all these accounts or be fined {$1000.00} for each violation
Consumer complaint received 2021-09-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CT)

I received a number of calls and an email from XXXX today on XXXX, two calls received prior to email. I did not sign up for any such calls or emails, two calls came from XXXX, both rejected. I do not appreciate being harassed, the calls and emails are not wanted.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian has 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.

15 U.S.C. 1681 Section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others or whom he is acquainted or who may have knowledge concerning any such items of information. However such information shall not incluide factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-07
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX, # XXXX DEPT OF ED/XXXX  # XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XXXX 2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX XXXX and TransUnion.
Consumer complaint received 2022-06-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Title Clearing, Inc. (CA)

I purchased a " newly completed home '' at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. On XX/XX/XXXX I was informed by the XXXX XXXX XXXXXXXX final permits for home were obtained.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My husband and I started with a covid loan deferment in XXXX to Specialized Loan Servicing and then it was switched to covid hardship forbearance that ended in XX/XX/XXXX leaving a debt of {$42000.00} that the mortgage company is demanding as a lump sum due immediately or house will foreclose. They are insisting that our only option is deed in lieu or short sale. We have applied for a 2nd independent review for a loan modification, or any other way to resume our payments immediately and have the debt deferred to the end of the loan etc. but they are uncooperative and continue to threaten foreclosure. Any assistance to resolve this matter is greatly appreciated.
Consumer complaint received 2022-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

This is an additional complaint regarding Fed Loan. I have been employed with the XXXX  XXXX XXXX XXXX XXXX since XX/XX/XXXX. This is a qualifying Employer. Fed Loan indicated I am ineligible for periods of XXXX XXXX XXXX. I worked for the same qualifying Employer. 40 hours a week. Why were these skipped. The rest of XXXX and XXXX were considered Qualifying payments. However they skipped these. I had consecutive Employment.
Consumer complaint received 2022-06-07
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  Account # XXXX, account ID # XXXX has 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 2022-06-28
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. (CA)

New and Updated information. After sending a written request that EQUIFAX remove a number of inquiries being fraudulently reported on my credit report EQUIFAX still continues to furnish them.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Has violat

ed my rights15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Consumer complaint received 2020-08-03
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (WI)

I received multiple phone calls from P & B Capitol Group through out the past year attempting to collect an alleged debt associated with my name. I explained to the reps that I had no knowledge of said debt, I also asked for any documentation associated with my name in the event I have to file a police report with my local police department. I never received any documentation nor anything in writing notifying me of said debt. According to the FDCPA, consumers have 30 days from the date of being notified in writing, to dispute the validity of any alleged debt associated with them. In addition, as of XX/XX/XXXX, this debt have been reported to consumer reporting agencies without me be properly notified and giving the opportunity to respond to said debt. This has since damaged my reputation and credit worthiness.