davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (TX)

I have been disputing the erroneous accounts and information reporting on my Credit Report but all my Disputes have been ignored and neglected by the Credit reporting Agencies. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required o conduct an investigation and verify the disputed items being reported on my Credit Report. And if the Credit Bureaus insist that the Disputed accounts are verified, I need the Credit Bureaus to provide me copies of proof of verification. However, all my previous requests for proofs of verification have been neglected by the Credit Bureaus. I am submitting this CFPB Complaint to request another investigation and correct my Credit file from any erroneous reporting. I need the following items deleted if the Credit Bureaus are not able to verify : XXXX XXXX XXXX XXXX  XXXX, TX XXXX DPT ED/XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-13
Product: Credit reporting 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. Experian XXXX XXXX have violated my rights under 15 USC 1681 Section 602 states I have to right to privacy ( 15 USC 1681 ( Section 604 A Section ( It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc. (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section XXXX of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

So I Called the credit dept at The Wells Fargo that handles my credit card. XXXXI mentioned that i was making scheduled payments through my Wells Fargo Account to pay for my newly installation of my XXXX to my XXXX. I explained to them the situation that I wanted to pay them direct and I no longer wanted it to be taken out of my credit card. Because there was a dispute on the total amount. The representative said " No problem all we have to do is change the credit card number and they would no longer be able to charge it. So we can see that that credit card changed around the 3rd payment to a different card No. # and so they issued the new one. At the time I had most of my bills on automated payment because my XXXX mother and my XXXX yr old niece was XXXX. At the same time i had some chronic pain from an accident i was dealing with so this was a very stressful time. 5 or 6 months later i notice my NEW card was being charged so i was now paying double. I then contacted wells fargo about this and they gave me a large credit back. It was around {$1200.00}. I believe it happened it twice ( 2nd one was maybe {$800.00}. But its been so long im not positive. Then after that they said we are sorry but the XXXX  can reattatch the payment on the new card. I shortly after closed the card down And complained that the gave me the wrong information that i should have just closed my account down period. I wrote Wells Fargo 3 time. Mind you i was with them 18 years and they included me in the fraud that they were sued for by opening multiple accounts in my name in which i complained many time. Then I asked for them to go back and listen to the Wells Fargo Rep recorded phone conversation telling me that this would fix the problem. They only said that the Rep made a mistake and there was no recorded call. They refuse to repair my credit that they ruined. I since left wells Fargo years ago and went to XXXX. All im asking is that they reverse the damage it did for the 7 months from XXXX through XXXX of XXXXthat are on all my credit reports with all bureaus.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I finance my car through Credit Acceptance Corporation. Over the past couple of years, this company has REPEATEDLY reported me for nonpayment & late payments and not only did this company make reports of missed/late payments, they made the same report for each multiple times! I have been disputing false reporting by this company to all credit bureaus, however, they still remain. For the times in which I have been late/delinquent in making payments, I was informed that due to the pandemic, this would not be reported. At a time in which every day, hardworking individuals, such as myself, were living through economic turmoil, this gesture was astonishingly symbolic! I felt confident in knowing I was doing business with a company that genuinely cared for their customers. Only later, upon further investigation, would I come to see that they had been deceitful. Not only were the payment/nonpayments reported, theyd been reporting each one repeatedly in the same timeframe. I cant begin to state the imperative, negative impact my credit score and history now has as a result.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : 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 XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 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
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (NJ)

XX/XX/2022, I checked my XXXX credit report due to me trying to purchase a home. After checking, I realized there was a collections account from Receivable Performac. What is bothersome to me is that, I did not receive any correspondence in regards to the debt, however the debt is listed as collections on m credit report.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

Experian 's website security is horrible. No XXXX factor verification, and my account was hacked/accessed without my permission. Information was changed. I asked to reset my login and password and discovered that my email and security questions were changed along with other information. 

At this point there was a ticket to escalate, but I'm seeing that others have had this same issue XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp. (OH)

To whom it may concern, My auto lender, First investors, illegally repossessed my vehicle. I understand stand my rights as an consumer and what is a consumer transaction. Under US Code 15 section 1602 paragraph I. It states that, any card or coupon book can be a form of credit. That means that the vehicle was paid off through my social security card. And also in section US Code 15 section 1611. Talks about companies willing and knowingly to defraud consumer. So with just these to rights alone, should have prevented First investors from illegally removing my vehicle from my possession. But to further prove that the vehicle had been paid in full and kept into my possession. I had cap insurance on the vehicle. Which by law pays the remaining balance of the vehicle. If I couldnt continue to make payments or if the vehicle was deemed, totaled out.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NJ)

On XXXX I have contacted Marcus XXXX  by Goldman Sachs to find out my savings account details for a wire transfer. I have done this by logging in to my account at marcus.com website and using the chat system on the website. 

The chat agent gave me the following details for the wire transfer to my account : Account number : XXXX. 
Bank name and address : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX, Utah XXXX. 

My sister has transferred XXXX XXXX USD to the above mentioned details on the same day ( wire confirmation attached ) from her account with XXXX XXXX XXXX 

I have started to check my account every few hours after that but haven't seen the transfer. I contacted Marcus XXXX  numerous times to find out why the money is not being credited. At first, Marcus XXXX  told me that the funds haven't arrived yet. Then they told me that the transfer has been rejected. Then they told me that the transfer has never been received. 

I asked several times to provide any form of confirmation that the transfer hasn't arrived or was rejected/ sent back to XXXX XXXX XXXX Marcus XXXX  refused without explaining the reason. Today is XX/XX/2022 and I still can't get any information from Marcus XXXX. 

Please help.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (NC)

I had several written requests to each credit bureau to verify these accounts below because I did not know anything about them nor aware of them. However the bureaus sent me basic letter just stating was verified but no details that I requested. Then when I reviewed an updated report nothing has changed on any of these accounts including data detailed per bureau. 

In accordance with the Fair Credit Act XXXX these accounts listed has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account items : 1. XXXX XXXX Bankruptcy Case Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXXXXXXXXXXxxxx 4. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Hello, I have a lawyer and will be suing USAA for wrong doing of disputes. They tried to say it's my fault but this info is nit true at all. Also XXXX will not allow my husband to transfer his VA money into his acct which us ABSOLUTELY INSANE AND NOT RIGHT! THAT VA THAT WAS DEOOSITED THIS MORNING NEEDS TO BE TRANSFERRED ASAP. WE HAVE 4 CHILDREN AND DO NOT HAVE ACCESS TO THE ACCT. I will be having my lawyer contact usaa as well to get this resolve. USAA HAS ALSO BEEN IN THE NEWS FOR TAKING MONIES FROM ACCT HOLDERS. I will make everyone aware if Usaa and don't recommend them to anyone. It's not fair how they treat there customers
Consumer complaint received 2022-07-13
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VEROS CREDIT, LLC. (SC)

Car installment loan with Veros Credit and XXXX XXXX in XXXX NC. 
XXXX XXXX  sold me a car they knew was not going to work, when the check engine light came on after a week of the purchase I was told that the vehicle had patch work done and the car salesman also pressured me into getting an extended warranty. They sold me this vehicle under false pretenses, I reached out to veros credit numerous times and they are not trying to fix this problem. They have repossessed the broken vehicle 2 times, and refuse to hold the car brokerage accountable for selling me a car under a fictitious sale, they knew this car was going to mess up. It didnt even last a month after purchase.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax wants me to send in the mail to them a copy of my Social Security Card, Drivers License and other items just to update my information as I can not remember my log-in for the online account. ARE THEY NUTS, WHO WOULD EVER SEND THIS INFORMATION THROUGH THE MAIL, WOULD YOU? I WILL NOT!!!
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I have been having nothing but trouble with my escrow account ever since Freedom Mortgage took over my mortgage. I know about escrow accounts, i am in the mortgage industry myself. I paid the shortage in XX/XX/2022, they adjusted the payments to reflect the change in my home insurance which i had to call them about and tell them to apply it to escrow. and now they send me another escrow statement 3 months later stating that my insurance went down, that i still have a shortage and that my payment is about to go up in XXXX. when i called them yesterday they were extremely rude they put me on extremely long hold times, when the lady came back all she did was reiterate what was stated in the escrow statement. even when i told them everything i have done since XXXX, the insurance went down the taxes never changed, and that their math was incorrect. she still argued with me and kept me on hold until i had to hang up and go to work. This is an ongoing problem and i would like to have them investigated.