davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-01-21
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)

XXXX/XXXX XXXX Balance {$0.00} - The account is confusing, it looks inaccurate and unreliable, please be vigilant to render evidence that you have not violated the fair credit reporting act by way of filing the account type as is available. If you fail to give proof that you've not violated my own privileges given to me underneath the FCRA and also the FDCPA you should get rid of this invalid post on my credit report.
Consumer complaint received 2021-10-18
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. (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$140.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$170.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$70.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$580.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$95.00} XXXX XXXX Reported : XXXX XXXX, 2021 {$680.00} XXXX XXXX Reported : XXXX XXXX, 2021 {$210.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-04-14
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands or information mixed.
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I Leased a car through Nissan and I called them in XX/XX/XXXX to discuss deferring payments because of loss of income due to Covid 19. They gave me a 3 month grievance to not pay on the lease. I called XX/XX/XXXX and asked for 1 additional month grievance and were given permission to not make the payment due to my circumstances. Unfortunately my car was repossessed in XX/XX/XXXX. I have spoken to Nissan several times and have filled out packets of information and here we are in XXXX and they have not processed the paperwork to return my car or give me any options. I was told by Nissan that I would get my car back, but every time I call Nissan says its still processing paperwork 3 months late? Any help would be greatly appreciated.
Consumer complaint received 2021-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the Petitioner that states XXXX XXXX  had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and XXXX XXXX  has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXX.and explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot. 

I first discovered the missing payment in the payment history on my XXXX  credit report. At that time the account was owned by the original creditor, XXXX XXXX XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX  report # XXXX. 


This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account. 

I am requesting that CFPB order XXXX XXXX XXXX. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017. 
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to the account
Consumer complaint received 2020-11-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$270.00}, {$39000.00}, {$48000.00}, {$960.00}, {$8000.00}, {$19000.00}, {$390.00}, {$0.00}, {$12000.00}, {$8200.00}, {$25000.00}, {$16000.00}, {$71000.00}, {$1200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- PERSONAL ACCOUNT 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$71000.00} -This is not my account. 

15. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2021-02-24
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: Open Dealer Exchange, LLC (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-03-15
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX XXXX in XXXX, FL. XXXX**IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as : XXXX XXXX XX/XX/XXXX***Please update the correct wording to reflect what I do professionally******
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter out to XXXX XXXX, and Equifax. In the letter, I pointed out several inaccurate accounts reporting on my credit report. It has been beyond 45 days and I still have not received any results from the 3 credit reporting agencies. I have tried contacting the credit reporting agencies but they have not resolved the situation. I believe they are taking advantage of my situation and they are not doing anything to fix the problem. I contacted them on several occasions. even after contacting them, they still have not sent me the results of the investigation. They are in violation of the law because they have 30 days to do an investigation and they are suppose to send me the results of the investigation within 5 days of the investigation. If they can not verify the accounts, it must be removed from my credit report. These inaccurate accounts has been holding me back from several opportunities and it has caused a lot of stress.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (PA)

I received a mailer with a promotional offer from Rategenius ( see attached ) for an auto loan refinance including a lowered interest rate of 2.74 % on XX/XX/2022. I completed the application using the pre-approve offer code through Rategenius, which including a hard credit pull which I confirmed through XXXX ( see attached ). After completion the application process, I was contact by the company ( XXXX XXXX to finalize the loan but was told that that interest rate in a mistake and that they are working to correct the issue. I then spoke with the manager who said the rate is not a guarantee, and that they are not able to offer me that rate, even given my XXXX credit score. I feel this is clearly bait and switch. Ive asked that they undo the hard credit pull, to which they replied that they are not the lender and to instead to contact XXXX XXXX XXXX XXXX. I will also be filing a XXXX  inquiry with this company as well. The business did not agree to remove the credit pull, stating that I had accepted RateGenius ' terms to do so on my behalf. I disagree. Consent was provided on the understanding that I was pre-authorized for a lower rate, which turns out was never available. Their mailer clearly stated on the cover page that I was pre-authorized for a rate of 2.74 %, but after speaking with Rategenius was offered a much higher rate of 6.99 %. RateGenius should provide what conditions would have had to have been met to receive the advertised 2.74 % rate. I believe this marketing practice is a violation of the Deceptive Trade Practices Act ( DTPA ) Sec. XXXX The advertisement is designed to be deceptive and should be changed to reflect a range of potential rates based on market conditions. When I spoke with RateGenius. The representatives indicated that they are fully aware of the market conditions and impact of loan interest rates but continues to send out direct mailing to bait and switch customers.
Consumer complaint received 2021-06-11
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC (AZ)

3 or more calls a day claiming that my payment is past due. Shellpoint acquired my mortgage and the contract I signed with my original mortgage company states that my payment is not late until the 15th of the month and the calls started on the 8th. I repeatedly told them to stop calling me, I repeatedly told them that I do not give them permission to record me, all ignored and the recorded calls just keep flooding in.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

Cardinal Financial Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX claims that : we, XXXX and XXXX XXXX attempted to obtain a loan from them on XX/XX/XXXX XXXX. We have never heard of this company and we own our property outright - so why would we ask for a loan?? They say that that they issued a loan : XXXX but then denied it for various reasons. I think they are phishing and trying to get us to give them missing information on the supposed application. We are targets because we are XXXX years old. Hopefully, they have not tried to get our credit scores from XXXX, XXXX  and XXXX, as they claim. They list a silly figure for each of those agencies, namely XXXX. This is a fraudulent company.
Consumer complaint received 2022-04-05
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. (PA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2022 a fraudulent purchase was made on my Capital One Venture X card in the amount of {$1800.00} at XXXX. I did not make this purchase or authorize this purchase. The package was addressed to me and dropped off at my door without my consent or permission. Upon receiving the unsolicited package, I immediately contacted Capital One to advise them of the fraud. They performed an " investigation '' and advised on XX/XX/2022 that the fraud could not be " verified '' because the the thief used my contact info, credit card number, and I " received '' the package. Capital One has refused to remove the fraudulent charge, notwithstanding that they market this card as " {$0.00} Fraud Liability ''. Although they state that the fraud claim is subject to verification, their use of the word verification deviates substantially from the common sense dictionary definition which is " establishing the truth, accuracy, or validity of something. '' The truth is that this is a fraudulent charge and Capital One is using its verification process to harm customers and charge them for bogus purchases by credit card thieves. I dispute this charge and Capital One has violated its own terms " {$0.00} Fraud Liability '' terms by refusing to remove the charge.
Consumer complaint received 2022-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westview Financial Services VA, LLC (VA)

I received a check in the mail for a loan that said We are here to help through the pandemic.. I am a single mom of a XXXX yr old so XXXX is getting expensive and it was right after the new year when all the bills were coming in. All was fine until it came time to make my first payment on XX/XX/2022. I called and they asked for my bank account number. I asked if they could take a debit card payment and they stated they did not offer that type of payment option because of the cost. I told them I was not giving them my account number and would they take a cashiers check because I do not have regular checks. They agreed and I told them I would bring it in the next day. I did some research online because the most used form of payment these days is credit or debit so it just sounded odd to me and I couldnt find much except no rating with the XXXX. Well I work at a doctors office and I let time go by because of staffing issues and honestly I felt it was a scam. Even though I got the money I felt they wanted access to my bank account. Fast forward to XXXX and XXXX I speak to XXXX XXXX a few more times and apologize for it slipping my mind and Ill be in to make the payment, as I do with my other XXXX loans from XXXX. XX/XX/XXXX there is a freeze on my account, no warning, no citation, nothing! I cant pay my rent, my car payment, food for my son. My checks are direct deposited into that account and I cant touch it even if I paid the entire balance. I have no money to get gas to get to work! No wage garnishment? I called my bank and they say their hands are tied. I call the company and he basically laughs in my face. I cant even buy a dollar cheeseburger! Can lenders just do that? Im not disputing the money I owe but I got no warning no time to work out making payments and have lost everything. Thank you